Somewhere between your application and your first sale, a person asks one question. If this business stopped shipping tomorrow, who would pay the customers back?<\/p>\n\n\n\n
Merchant account underwriting exists to answer that question before it becomes real. The answer matters because the bank behind your account can end up covering chargebacks you can’t pay. So reviewers look past your credit score and read your website, bank statements, refund terms and past processing.<\/p>\n\n\n\n
This guide walks through that review as a reviewer sees it. You’ll learn what goes into the file, what bank examiners and Visa expect, how a yes, a no or a yes with conditions gets decided, and how to prepare.<\/p>\n\n\n\n
At True Line Pay, underwriting is the third of four steps: consultation, application, underwriting and activation. A real specialist reviews your documents and keeps you updated. Every provider has its own standards, so read this as a guide to what’s common, not a promise of how any one bank will decide.<\/p>\n\n\n\n