Four steps, honest timing, nothing to sign until step three.

Email or text a recent processing statement — all pages, including the fee detail at the back. If you have three consecutive months, send those instead; three months shows the pattern that one month hides.

If you are opening a brand new business and have no statement, skip this and tell us your expected monthly volume and average ticket instead.

You get a written breakdown: your current effective rate, which pricing model you are actually on, any downgrades we can see, every monthly fee by name, and the markup we would place you at.

The dollar difference is stated plainly at the bottom. If your current deal is competitive, that is what the analysis says — it has happened, and telling you so is cheaper for us than a switch you regret.

The application takes about ten minutes. Underwriting typically wants a voided check, ID, and recent statements — for high-risk categories, also processing history and a look at your website and refund policy.

Low-risk accounts with documents in order are frequently approved same day. High-risk accounts go to a specialist bank and take longer, usually five to ten business days, sometimes with a reserve attached. We tell you which path you are on before you apply.

Equipment is programmed before it ships or before we walk it in. Gateway and e-commerce setups get test transactions before you switch primary. We keep your old account open at zero volume until your first new deposit has landed.

Sixty days later we pull your statement and confirm the effective rate matches what you were quoted. That step is the whole difference between a quote and a relationship.