Apply for Your Merchant Account
Complete the form to begin your application process. Our team will review your information and contact you within 24-72 hours with your customized merchant account solution.
✓ Fast Approval Process
Get approved within 24-72 hours, significantly faster than traditional processors that can take weeks.
✓ High Approval Rates
Over 90% approval rate for high-risk merchants, even if you've been previously declined elsewhere.
✓ Competitive Rates
Transparent pricing with no hidden fees, tailored specifically to your business model and industry.
Already submitted an application? Contact us for status updates.
Merchant Account Application
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Frequently Asked Questions
Common questions about our application process and merchant accounts
How long does the application process take?
Our application process is streamlined for efficiency. After submitting your application, our underwriting team will review your information and provide a decision within 24-72 hours, significantly faster than industry averages which can take weeks.
What documents will I need to provide?
Required documentation typically includes: business license and formation documents, 3-6 months of bank statements, processing statements (if applicable), valid ID for all owners with 25%+ ownership, and industry-specific documentation. Our application specialists will guide you through the exact requirements for your business.
What if I've been declined by other processors?
Previous declines do not automatically disqualify you. We specialize in high-risk industries and have banking relationships specifically designed for businesses that traditional processors reject. Our approval rate exceeds 90% for qualified merchants, even those previously declined elsewhere.
Do you require a rolling reserve?
Rolling reserves are determined on a case-by-case basis. Many accounts do not require reserves, and we work to minimize or eliminate reserves when possible based on your business history and risk profile. When required, reserves typically range from 5-10% and are fully returned after a predetermined period.
Why Merchants Choose Kosipay
Hear from businesses like yours who have successfully partnered with us
"After being declined by three different processors, Kosipay approved our CBD business in just 48 hours. Their rates are fair and transparent, and we've had no processing issues in over a year."
Michael R.
CBD Retailer
"The application process was incredibly straightforward. Their team guided us through each step and helped us understand exactly what we needed to provide. We were up and running in less than a week."
Sarah T.
Subscription Service
"As a high-volume merchant, finding stable processing was always a challenge. Kosipay not only approved us for the volume we needed but also provided better rates than we were getting before."
David K.
E-commerce Platform
Ready to Get Started?
Complete your application today and join thousands of merchants who have found reliable payment processing solutions with Kosipay.
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