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Account set-up and application timescales
Set-up and application timescales

Unlike certain payment providers we will always underwrite an application before setting it live. Meaning that once we approve and set live an account it will stay that way and won't be checked (and likely closed) later that week.

Timescales quoted below are once the 'completed' application has been received, including ALL documents and ID that may be requested

Once we have received your completed application documents back it takes around 5 - 7 working days to underwrite, approve and set live your payment processing.

Please note that due to the nature of the business and the underwriting criteria high risk accounts (and some adult one) usually take a little longer and is normally 7 - 10 days

Please make sure that all information contained in the application form is complete, cohesive and correct as incomplete applications cannot be processed and will cause delays.

Want to speed up your application? Simple but effective ways to speed everything up


When do I pay for the merchant account?

Payment is applicable once the account has been set-up. The set-up fee and monthly charges are taken directly from your merchant account once you have enough to cover the amounts owed. This means that you do not need to pay anything until you have started trading.

The annual fee associated with the High-Risk Merchant Account will be invoiced once the account is live.

What happens if you've set up the account but I am still integrating the website?

If you are still integrating your website, we simply set the account to test mode and do not allow processing until your website is ready. Once ready we set the account live the same day.

  Why timescales extend

We find that when an application takes longer than anticipated, 9 out of 10 times this was down to the fact that the merchant did not provide everything asked of them or that their website did not comply as requested.

" The biggest delay in an account going live is incomplete applications and delays in replying to our requests "

Simply put - for every day it takes to receive the relevant documents back, that's at least how much of a delay there will be. For example if we provide an estimated timescale of 3 days to process and activate an account, but receive the documents back 10 days after sending them, the complete process will take 13 days.

We are working for you

Please note that we are working for you! Therefore once we know anything about your application we will notify you straight away. There is no benefit whatsoever for us to withhold information that would slow down an application. As we do not start to make a living ourselves until your account is active, it is very important for us to get you live and trading as soon as possible. Again, once we know anything you will too!

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As part of the application process, and only done once we have received all the relevant documentation back and we start to process your application, we perform four main checks.

Want to know what questions you will be asked as part of the application? Click here to learn more

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