Frequently asked, forthrightly answered.

How long does underwriting take?Most merchants receive an underwriting decision within 10–18 business days. Complex structures or regulated industries can take up to 4 weeks. We communicate weekly with a dated next-step.What documents do you need to start?Certificate of incorporation, UBO IDs (≥25%), proof of address, last 6 months processing statements (if applicable), 3 months bank statements, and a live website with full T&Cs, privacy and refund policy.Will you onboard a pre-revenue merchant?Yes, on Starter or Premier with conservative reserves. Underwriting focuses on the founders, the model and the funding runway.Do you onboard offshore companies?Yes — we underwrite each entity individually. Offshore structures are common in our portfolio, particularly in FX, iGaming and adult.

What are your minimum processing volumes?Our Starter plan requires no minimum. Premier and Sovereign are calibrated for $250k+ and $5M+ monthly respectively.Do you offer reserve-free accounts?For established merchants with strong processing history, we can structure capped or trailing reserves. New merchants generally start with a 5–10% rolling reserve, 180 days.Which currencies can you settle in?We settle in 38 currencies and hold balances in 14. Daily, weekly or monthly settlement schedules are available.Do you support crypto settlement?Yes — USDT and USDC payouts are available to verified merchants and beneficiaries on Tron, Ethereum and Solana networks.When are funds available?T+2 (Sovereign), T+3 (Premier) or T+5 (Starter) for standard card flow; SEPA Instant and Faster Payments settle the same day where supported.

Can I have multiple MIDs?Yes. Premier and Sovereign clients receive cascading MIDs across multiple banks for redundancy and routing optimisation.What chargeback ratio is acceptable?Visa allows up to 0.9% under VAMP, Mastercard up to 1.0%. We help you stay well below those thresholds with Ethoca/Verifi alerts and RDR.Will you represent on disputes?Yes. Premier includes representment; Sovereign includes concierge representment with Visa CE 3.0 evidence packs and a 61% portfolio win rate.How do you handle sanctions screening?Real-time screening against OFAC, EU, UK, UN and HMT lists at onboarding and on every transaction. Hits are blocked at the gateway, not after the fact.

How long does integration take?Hosted checkout: hours. Drop-in elements: a day. Full API integration: typically 3–10 engineering days. A dedicated integration engineer pairs with your team.What SDKs do you provide?Node, Python, PHP, Ruby, .NET, Java, Go, iOS (Swift) and Android (Kotlin). Webhooks, sandbox and idempotency keys are first-class across all.Do you offer 24/7 support?Sovereign includes 24/7 concierge with a 30-minute response SLA. Premier is 4h business-hours. Starter is 12h via email.Can I migrate from another processor?Yes. We frequently take over from Stripe, Adyen, Worldpay, Checkout.com, Nuvei and specialist high-risk processors. Network tokens transfer where the scheme permits.