OpenGate
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Free to apply. A human answer within 1 business day.

Application

Apply for a high-risk merchant account.

Three short steps, about three minutes. A human underwriter reads your file and replies within 1 business day with a real answer: an offer, a document list, or an honest no.

  • Free to apply
  • No commitment until you accept the offer
  • Your file stays confidential

Underwriting request

Step 1 of 3Business

Your business

What you sell and how it moves. Four quick answers.

Business model
Estimated monthly card volume
Where your customers are

Select all that apply.

Your details are used only to prepare your underwriting file. No mailing lists, no resale of your data.

FAQ

Before you apply

Is the application free?

Yes. Reviewing your file and issuing a written offer costs you nothing. You pay nothing until you accept the offer and start onboarding.

What if I don't have a website yet?

Send what you have: a product description, a business plan, past processing statements if they exist. The website is required before activation, not before the first conversation.

Is my information safe?

Yes. Files are stored on access-controlled infrastructure and used exclusively for underwriting. We never sell or share merchant data with marketers.

Can I send my file in any language?

English is fastest, but we read files in French, German, Spanish, Portuguese, Italian, Dutch, Turkish and Chinese as well.