When you launch a new eCommerce business, you’re probably going to have a timeline planned out. Come up with your product. Design your website. Make sure you can take credit card payments. So you’ll probably come to a point where you want to make sure you sell your product to your customer before launching the site. The last thing you want is to have an official launch and then have to hassle with finding a credit card processor.

Luckily you don’t have to.  It’s easy to apply for a merchant account

One of the many questions we get is if it’s possible for a merchant to get approved for credit card processing before their website is finalized. A website review is part of the process, but there are ways around having the website 100% complete and still being able to be approved.

Merchant Account Application & Your Website

The most common way to get approved for a merchant account is to agree with your account rep to put a partial reserve on the account until the website is completed. When the underwriting team reviews a website, they look for the following: refund policy, product and product description, terms and conditions, and privacy policy. With that in mind, you now have a checklist of things you need to remove the reserve and comply with the needs of the underwriting and risk department.

So there you have it. Not so bad at all, is it? Don’t let the chicken and the egg scenario of your website and credit card processing solution hold you back. Getting approved for a merchant account is extremely easy and possible, even if your website is in the works.

Click here to start your merchant account today!