OpenGate
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Process

High-risk underwriting you can follow, step by step.

No black boxes. You send a file, a human reads it, and every step after that is written down. This is the process exactly as our underwriters run it.

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Process

From first file to first settlement

  1. 01The file

    Day 0-2

    You describe the business and send the documents: corporate records, processing history, product or service details, and the vertical-specific licenses listed on your industry page.

    • Business model in one page: what you sell, to whom, at what price
    • Processing history from your current or previous gateway
    • Corporate documents: registration, shareholders, bank details
    • Vertical licenses or proof that the application is in progress

  2. 02The analysis

    Day 1-5

    An underwriter reads the file against the standards of the acquirers we work with. The funnel, the policies and the numbers are checked before any bank sees the file.

    • Chargeback and refund history, dispute ratios by month
    • Website and checkout review: disclosures, terms, delivery promises
    • Volume reality check: what the numbers say about the model
    • Risk structuring: reserve, caps and rolling limits that fit

  3. 03The offer

    Day 3-7

    You receive the terms in writing: rates, reserve structure, payout schedule and limits. You compare them against what you pay today, then you decide.

    • Processing rates by card type and region
    • Reserve type, percentage and release schedule
    • Monthly caps and how they grow with clean history
    • Setup and ongoing fees, all of them, in one document

  4. 04Go-live

    Day 7-21

    After signature and KYC, we integrate with your platform, run test transactions and switch on monitoring. Your first settlement follows the schedule in the offer.

    • API keys, webhooks and test environment
    • 3DS2 and fraud rules configured for your vertical
    • Test transactions across your real checkout flow
    • Live monitoring from the first transaction

Checklist

The documents we will ask for

Every file needs a core set of documents. Vertical-specific requirements are listed on each industry page. Missing documents are the main reason applications slow down, so we list them before you start.

Corporate registration

Certificate of incorporation and a current extract from the commercial register.

Ownership and identity

Shareholder structure and identity documents for directors and UBOs.

Processing history

Monthly volume, chargeback and refund reports from the last three to six months.

Bank account

A corporate account in the company's name for settlement.

Website and checkout

The live site, including terms, refund policy and the full checkout flow.

Vertical licenses

Gaming, pharmacy or other regulatory authorizations, or proof the application is filed.

Browse all 27 industries

Avoid delays

What slows an application down

  • Incomplete ownership structure or missing UBO documents

  • No processing history, or history that does not match the described model

  • Terms on the website that contradict what the merchant sells

  • Underwriting questions left unanswered for more than a few days

FAQ

Process FAQ

How long until I receive an offer?

A complete file typically receives a written offer within one week. Files with missing documents take longer, which is why the document list is published in advance.

Is the underwriting review free?

Yes. Reviewing the file and issuing an offer costs you nothing. Fees begin only when you accept the offer and start onboarding.

What if my file is declined?

We tell you why, in writing, and which part of the file needs to change. A decline is never a black box here.

Can I see the offer before signing anything?

That is the only way we work. The written offer contains every rate, every fee and the reserve structure before you sign.

Process

Start with the file.

Describe your business and send what you have. The document gaps come back to you as a list within 1 business day.

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