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APPLY

How Payment Processing Guidance Works

From application to first payment — we’ve made the process as fast and painless as possible.

How It Works

Submit Your Application
Fill out our simple online form. It takes less than 5 minutes. We'll ask for basic information about your business, your website, and your expected monthly processing volume. No commitment required.
We Review Your Application
Our team reviews your application typically within a few hours. We'll reach out if we need any additional documents such as a voided check, government-issued ID, or recent bank statements.
Provider Review and Underwriting
Review times vary by provider, business model, documentation, and risk profile. If approved, the provider issues merchant-account details and gateway credentials under its own agreement. 
Integrate & Go Live
Our team walks you through connecting your payment gateway to your website or platform. We support Shopify, WooCommerce, and custom integrations. Integration timing varies by provider, platform, and technical requirements.

Ongoing Support

You’re never on your own. Our team remains available during published business hours for documentation, pricing, processing, and dispute-related questions.

Customer support team assisting an online business

What to Have Ready When You Apply

  • Government-issued photo ID (driver’s license or passport)
  • Business bank account information (voided check or bank letter)
  • Your business website URL
  • Estimated monthly processing volume
  • Basic business information (legal name, address, EIN if US-based)
Merchant account application and payment processing workflow

Common Questions

How long does approval take?
Some applications receive an initial response within one business day. Final review time varies by provider, documentation, business model, and risk profile.
Yes, for US merchant accounts a US business bank account is required.
No. There are zero setup fees to get started with Hopar Payments.
Absolutely. We handle the transition and make sure there’s no gap in your ability to accept payments. 
We work with most low-to-medium risk online businesses including e-commerce, SaaS, professional services, and health and wellness.
We’ll let you know why and, where possible, suggest alternatives or steps to improve your application for resubmission.

Start Your Application — Takes 5 Minutes

Every business is different. Talk to our team and we'll recommend the best setup for your volume, industry, and goals.

Get a Free Consultation