Understanding the High Risk and Adult Documents


When you apply for a High Risk or Adult Merchant Account you will be sent an application form to complete and email back to us. Depending on the partner bank we use depends on the application form used. Because of this we are unable to show them here.

We also kindly ask you to use the following checklist to ensure that you have included all required documentation. Once the merchant account documentation has been received and approved, you will receive an email with the integration information and test configuration account. You will then receive the financial agreement to sign and return.

Please send us the following documents digitally scanned via e-mail:

1. Scan copy of valid ID of company's owners/director. Preferably Passport or National ID
2. A copy of a recent Bank Statement showing company name and bank account information - Account number, IBAN etc.
3. Certificate of Incorporation (and ALL related documents of association)
4. A copy of the Terms & Conditions as listed on website
5. 6 months previous processing (Excel spreadsheets are not accepted, unless accompanied by screen shots)
6. If applicable: Copy of Business/Operating License(s)

Selling online through a website...

Furthermore, please make sure the following points on the website are met:

1. Clear posting of the company's legal name on the website
2. Clear posting of the Customer Service telephone number or email address
3. Clear posting of the Refund and Return Policy
4. Clear posting of delivery methods and timing
5. Listing of products with pricing stated in the settlement currency
6. Website order page needs to be secure/SSL
7. Domain name should be registered in the company's name
8. If the website is under development, then we require a username and password to enable the bank to access the BETA site

MOTO (Virtual Terminal) sales...

If you require only a Virtual Terminal then we can still help. However, you may need to complete an extra MOTO document that will be sent to you once you apply. The reason for this is that these types of transactions are more open to fraud by the merchant. Therefore we need to be satisfied that you have fulfilled certain criteria. i.e. In which way do you advise your customer explicitly of the total order sum at the end of the order form? In which way do you inform your customer of the debiting time for the respective transaction?