Applying for a merchant account could involve fulfilling the following conditions:

  • Your website must be live (published online).
  • Your website must include the DBA (“doing business as” or “business name”).
  • List your goods and their costs.
  • Please include your postal address.
  • Describe your refund and return policies.
  • List the shipping options you have.
  • Describe your privacy statement.
  • List the phone number for your customer care department.
  • Your shopping cart needs to function and be safe (but not yet processing orders).

Additional requirements may be needed as determined by the merchant account provider, including a credit check and background check.

Website Content

DBA/trade name on the entire website: You must prominently display your DBA, often known as a trading name or business name. The firm name, postal address, and any other necessary contact information should be displayed at the bottom.

Many payment service providers receive applications from merchant account holders who are not genuine operators, and as a result, companies carefully examine the goods or services that are offered on your website. It should be clear, accurate, and well-written. Immediate declines are frequently the result of hazy or confusing descriptions.

The use of photographs, motion pictures, and other works protected by copyright must be licensed or handled in-house. A system that looks for possible copyright violations will be performed on your website by certain acquiring firms (such as using stock photos without authorization).


Shipping Policy: The shipping policy is crucial if you are shipping goods. It must be detailed, concise, and clear. The website’s homepage and main menu, the payment and checkout pages, and the purchase confirmation and tracking emails you send to customers should all connect to it.

Terms and conditions: This is an essential part of your blog that payment service providers carefully study and will highlight any issues. The terms of the transaction, the customer’s rights, and the applicable law should all be mentioned on this page.

Privacy policy: Every website must have a privacy policy that includes how the data is used and is legally required. For online retailers, it is crucial to explain exactly how sensitive payment information (such as credit card information) is collected and how you secure the data. You should mention, for example, that you are using a checkout page managed by a payment gateway.

Working payment page: Before registering, you must build up a working test or fake payment page. Based on the CRM or shopping cart platform you’re using, we can give you a test account with our payment gateway and interaction details to set up the payment page in advance, or you can use the fake gateways that most systems provide for testing. Card brand logos: You must include on your blog the card brands you wish to accept. For further information about certain payment cards, please see the Mastercard Brand Center and the Visa Point-of-Sale Guidelines.

Domain and Web Hosting Setup

Domain and hosting country: The nation in which your blog is located and the domain that was registered with the application form must often match for many acquirers. This is particularly true for US-based acquiring institutions, which need that both the site’s server and domain registrant to be located in the US.

If the domain privacy settings are active, you will have to provide documentation of the specifics of your domain registration.

SSL certificate: Any blog that accepts payments needs to have SSL protection on every page. Also, there must be a Forced HTTPS setting (i.e., a redirect from to in place.

Broken links and a WWW subdomain: Check to see if your website functions properly when accessed via or Likewise, make any broken links visible in advance by fixing them. 

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