New Merchant Application
A simple, guided process — just answer a few questions. We handle the complex parts automatically.
7 Min
Average Completion
256-bit
Bank-Level Encryption
24 Hr
Average Board & Process
Your Data Is Protected. Bank-level 256-bit encryption. We use Plaid for bank verification — your login credentials are never seen or stored by Paynuity.
Save More On Every Transaction. Get a custom, competitively-priced rate plan built around your business — transparent rates, no hidden fees, and you approve before anything is final.
Certified
01
Business Basics
Tell Us About Your Business
Start with the legal essentials — this takes about 60 seconds.
Have your EIN or business name handy? We can pre-fill most of this for you.
Required by federal law for payment processing. Secured with 256-bit encryption.
Sole Proprietor
LLC
Corporation
Partnership
LLP
Nonprofit
Government
02
Location & Contact
Where Is Your Business Located?
Your business address and primary contact information.
Address Verified
03
Business Profile
What Kind Of Business Do You Run?
Select the option that best describes your business.
Dental
Medical
Retail
Restaurant
eCommerce
Other
Nonprofit
04
Processing Profile
How Do Your Customers Pay?
Help us understand your typical transaction mix. This takes under 60 seconds.
Enter the percentage for each method below — all four must total exactly 100%. Card-Present (Swiped/EMV) is lower risk and lowest cost; Card-Not-Present (Internet/MOTO/Keyed) is higher risk, higher cost due to fraud.
Card Present — lowest cost
%
Card Not Present
%
Card Not Present
%
Card Not Present — highest risk
%
Total:
0%
must equal 100%
Check all that apply. Picking Non-Profit auto-selects Charity, and vice-versa.
Retail
Restaurant
Charity
Non-Profit
Healthcare
Lodging
Government
Other
$
$
05
How You Do Business
Three Quick Questions
This section takes under 30 seconds. Almost there on the basics.
Yes — I Have A Processor
Three months of statements may be required
No — First Time
We'll set you up from scratch
Refunds Within 30 Days
Refunds Within 7 Days
Exchange / Credit Only
No Refunds
Yes
No
06
Identity Verification
Verify Your Identity
Federal law requires identity verification for all business owners. Powered by Persona — takes about 60 seconds.
Scan ID
Selfie
Verified
Scan Your Driver's License
Tap to open the camera. We'll extract your name, date of birth, and address automatically — no typing required.
Or
Secured by Persona · Bank-level encryption · Not stored after verification
07
Banking Information
Your Business Bank Account
Where should we deposit your credit card settlements? Please enter your business checking account details.
Checking
Savings
Please note: You may be asked to provide a voided check or bank letter to verify this account during underwriting. Your settlements will be deposited into this account.
08
Pricing Review
Your Custom Rate Plan
Built specifically for your business — transparent, competitive rates with no hidden markups. Review and approve below.
Custom Rate Plan — Interchange Plus
Interchange Plus Pricing
Industry's most transparent pricing model — you pay actual interchange cost plus a small fixed markup. No hidden tiers.
1.5%
+ Interchange
Credit Rate
Credit Rate
1.5%
+ Interchange
Debit Rate
Debit Rate
$0.00
Per-Transaction
Fee
Fee
Monthly Service Fee$20 / Month
PCI Compliance & Protection$9.95 / Month
Annual Fee (after 90 days)$99 / Year
Early Termination Fee$375
Amex · IncludedSame Rate Structure
American Express Included. No separate enrollment — Amex is automatically included at the same rate structure.
09
Disclosures & Consent
Almost There — Three Disclosures
Required by federal law. Three checkboxes and you're done.
Paynuity Merchant Agreement — By proceeding, you agree to the Terms & Conditions at paynuity.com/WJ482. Key terms: (1) Your data is encrypted and never sold. (2) You may cancel with 30 days notice after year one. (3) Paynuity processes payments on behalf of your acquiring bank. (4) Standard dispute resolution applies per Card Network Rules. (5) You may opt out of marketing at any time by calling 1-888-878-7100. (6) Chargebacks and retrieval requests are the merchant's responsibility and may result in additional fees. (7) Fees are subject to change with 30 days written notice. (8) This agreement is governed by the laws of the State of California.
Scroll to the bottom to unlock this checkbox.
Scroll to the bottom to unlock this checkbox.
Merchant Agreement & Terms: I have read and agree to the Paynuity Merchant Agreement and Terms & Conditions at paynuity.com/WJ482. (Scroll to read — unlocks automatically)
IRS & KYC Certification — Under penalties of perjury, I certify that: (1) The EIN or SSN provided is my correct taxpayer identification number. (2) I am a U.S. person as defined by the IRS. (3) I am not subject to backup withholding. (4) I consent to identity verification of all beneficial owners per the USA PATRIOT Act and Bank Secrecy Act. (5) Paynuity and its sponsor bank may share this information with card networks and regulators as required by law.
Scroll to the bottom to unlock this checkbox.
Scroll to the bottom to unlock this checkbox.
IRS & KYC Certification: I certify all information provided is true. My EIN is correct. I consent to identity verification per USA PATRIOT Act requirements. (Scroll to read — unlocks automatically)
Communications Consent (Optional): Paynuity may contact me via phone, text, or email. I may opt out at any time.
10
Sign & Submit
Final Step — Review & Sign
Your application is fully populated. Draw your signature and submit. Boarding typically within 24 hours.
Application Summary
Business—
Owner—
Location—
Monthly Volume—
Bank—
Identity—
Rate Plan—
Rate Plan & Fees
Credit Rate1.5% + Interchange
Debit Rate1.5% + Interchange
Per-Transaction Fee$0.00
Monthly Service Fee$20 / Month
PCI Compliance & Protection$9.95 / Month
Annual Fee (After 90 Days)$99 / Year
Early Termination Fee$375
AmexIncluded · Same Rate Structure
I've reviewed and approve my custom rate plan and fees shown above for my merchant account.
Auto-filled from identity verification
Required — used to credit the agent who closed this application.
Tap here to sign
Legally binding electronic signature · Paynuity SecureClear
By signing, I certify all information is accurate and I agree to the Paynuity Merchant Agreement.
Date: July 1, 2026 · Session ID: PMW-2026-000124
Date: July 1, 2026 · Session ID: PMW-2026-000124
Application Submitted
Congratulations! Your merchant account application has been received and is under review for same-day boarding.
Questions? Contact Your Paynuity Agent
Your Paynuity Agent
(949) 555-0100 · agent@paynuity.com