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What happens after you apply?
Here’s what to expect after you submit your application, from uploading documents to getting approved.
What happens after you apply
You’ve submitted your application, so what’s next? Here’s a quick look at each step so you know what to expect along the way.
1. Upload your documents
Right after you apply, you’ll be directed to our documents page to upload your documents. Uploading everything right away is the best way to speed up your review, since we can’t get started until we have what we need. Not sure what you need? Check out What you need to apply.
2. We run a soft credit pull
We’ll run a soft credit pull as part of your review. This won’t affect your credit score, but it can’t go through if your credit is frozen. If you have a freeze in place, lift it temporarily so your application doesn’t get held up.
3. We verify your bank account
Before your account is approved, we’ll validate the bank account you provided for deposits. This helps make sure your funds go exactly where they should from day one.
4. Our underwriting team reviews your application
This is where we take a closer look at your business, what you sell, and how you operate. Reviews typically take 1 to 2 business days. Depending on your industry, we may reach out with a few questions or ask for additional documents, which can add a little time. If your business is in a high-risk industry, you can learn more about this step in Why do some industries need extra review?
The best way to keep things moving is to upload your documents as soon as you apply and respond to any requests from our team quickly.
5. You get approved
Once our review is complete, we’ll let you know the decision by email.
If you’re approved, you’ll receive directions on how to log in to your dashboard. Your account will be set up with the gateway and any equipment you chose during enrollment. Head over to What to do after your account is approved for your next steps.
If we’re unable to approve your application, we’ll let you know. Not every business is a fit, and we’d rather be upfront than leave you waiting.
Questions while you wait?
We know waiting on an application can feel like a lot, especially if you’ve had a rough experience with another processor. Our team is here to help if anything comes up during your review, whether you’re unsure about a document or just want to check in. Contact our team anytime.