Four steps, and what you walk away with at each one.
If you take orders by phone, fax, or email, most of your volume is card-not-present. Most processors either decline it outright or bury the real cost inside a rate they won't itemize. We publish the range before you commit — and we tell you when the number won't work.
Apply
Three fields: monthly card-not-present volume, current provider, business email. No bank statements, no call before we'll talk to you.
Underwriting review
One to three business days, read by a human. You get one of three answers: approval, a counter-offer with the reason, or a clear no.
MID and terminal configuration
A test account (MID) capped at 500 USD. Then staged limits: 500 a day for three days, 2,000 a day for seven. Slow on purpose.
First settlement
Settlement follows your tier. Every midnight UTC you receive the reconciliation file: time, amount, first six and last four of the card, status, response code.