Merchant resources
Your merchant account conversation checklist
Know what to prepare and what to ask before your merchant account conversation.
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Describe the business as it operates
Have your website, legal business name, operating locations, product or service description, and sales channels ready. Explain anything a reviewer might not understand from the homepage alone.
Explain the transaction pattern
Note expected monthly volume, typical and largest transaction values, recurring billing, deposits, and any delay between payment and delivery. Distinguish estimates from actual processing history.
Summarize previous processing
If you already process cards, know your current provider, recent volume, refunds, and disputes. Explain previous declines or closures accurately.
Prepare questions about the offer
Ask about all fees, settlement timing, reserves, contract terms, cancellation, technical integrations, and support. Ask which terms are fixed and which may change.
Use the right channel for documents
Initial enquiry forms should collect basic details. Wait for the provider’s secure process before sending statements, identification, or sensitive records.
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