You receive a packet that shows you exactly where your business is exposed, what the bank does not know about your operation, and copy-paste fixes for each gap.
A short guided voice intake captures your offers, fulfillment, client journey, billing practices, and current payment setup. You upload supporting materials: processing statements, client agreements, offer details.
Our system analyzes your operation against bank and card brand standards. Pricing structure, offer alignment, risk exposure, documentation gaps, card brand policy compliance. An expert reviews the findings. The packet covers:
The packet includes copy-paste language for your terms, refund policy, marketing claims, and billing structure. Specific, actionable, ready to implement. Yours to keep whether you become a client or not.
Three months of bank statements and 3 to 6 months of processing history, your offer details, terms, and marketing materials. Each document tells us something specific about how your business operates, how the financial system sees you, and where the gaps are between the two.
We now understand your business deeply. We present your case to a bank that reviews your model and approves you specifically. Not a credit check. A real underwriting review by people who understand what you do and how you deliver it. Approvals typically come back in 24 to 48 hours after submission.
Your current processor stays running until your new account is live and tested. Nothing changes until you say go. Custom onboarding builds your new merchant account around how your business actually operates. You have a direct banking relationship with an institution that knows your business, and a team that advocates for your account.
ScaleSafe is optional. With WholePay processing it is $59/month. It is also available standalone at $97/month if you want the onboarding, communications, and evidence infrastructure without switching processors. Most operators choose to add it because the built-in automations for client onboarding, consent capture, and engagement tracking plug directly into their existing workflow.
