Four steps, and what you walk away with at each one.

Step 1 — Apply

Three fields: monthly keyed-entry volume, your current processor, and a business email. That's the whole form. We don't ask for bank statements, tax returns, or a call before we'll talk to you.

You get: a written assessment against published ranges, usually within one business day.

Step 2 — Underwriting review

Three to five business days. A human reads the file — volume, ticket size, countries served, prior chargeback history. This is the part most brokers skip, and it's the part that determines whether you're still processing in six months.

You get: one of three answers. Approval. A counter-range with the reason attached. Or a clear no, with the specific number that killed it.

Step 3 — MID and terminal configuration

A test MID is issued and capped at 500 USD. One transaction proves the whole chain — gateway, descriptor, settlement path — without exposing you to real volume. Result inside 24 hours.

Once it clears, you ramp: 500 USD a day for three days, 2,000 USD a day for seven. Slow on purpose. A file that behaves under a small limit tells us more than any application form.

You get: gateway parameters on your existing terminal, billing descriptor set to your DBA, velocity limits issued against your tier.

Step 4 — First settlement

Settlement follows your tier — T+3 at entry, down to same-day at the top. Every midnight UTC you receive a reconciliation file: time, amount, first six and last four of the card, status, response code.

You get: the money, and a file that matches it line for line. If those two ever disagree, the file is what we work from.