Merchant application

Everything to open your account.

Complete the form and upload your documents. Your information goes directly to our underwriting team — secure, encrypted, and never shared without your consent.

Fast decisions
Most applications reviewed within 24 hours.
Built to hold
Approvals engineered to survive scrutiny.
Real underwriting
Sent straight to our team — no black box.
Encrypted intake
Docs stored in an encrypted, private vault.

Prefer to send documents by email? apply@spectrumepay.com

Step 1 of 7

Business basics

Legal business name*

Trading name (DBA)

Business type

Contact name*

Contact email*

Contact phone*

Business website

Step 2 of 7

Legal entity & address

Registration number / EIN*

Country*

Street address*

City*

State*

Postal code*

Step 3 of 7

Processing profile

Monthly volume*

Average ticket

Highest ticket

Agreed rate (%)

Prior processing history

Step 4 of 7

Ownership

Every owner with 25%+ ownership must be listed, each with a valid government photo ID.

Number of owners*

Primary owner name*

Ownership %

Date of birth

Owner home address

Owner photo IDs*

Step 5 of 7

Documents

Accepted formats: PDF, JPG, PNG, WEBP — up to 15 MB per file.

Formation Document*

EIN Letter*

Bank Statements (3 months)*

Processor Statements (3 months)

Step 6 of 7

Banking

Bank name*

Account holder name*

Currency*

Account type

Routing number (ACH)*

Account number*

SWIFT / BIC (non-US banks only)

Bank details are encrypted in transit and sent only to underwriting. We store a masked copy only.

Step 7 of 7

Confirm & submit

The information and documents provided are accurate and complete.I accept the platform terms and consent to be contacted about this application.

Secure, encrypted submission. Your data is never shared without your consent.