// ONBOARDING & APPROVAL

Apply once.
Decisions in days.

Tell us about your business once. Set up your test environment as soon as you apply, get an underwriting decision in days, and get live keys once you're approved.

Start your applicationSee the conversation
V
VERA · ONBOARDING SESSION
LIVE
V

Walk me through your business. What are you selling, and how do customers buy it?

DTC supplements. Subscription model, mostly recurring, about $180K/mo.

V

Got it — subscription nutra is a specialty vertical. I'll route you to two acquirers who price MIT and CIT correctly. Quick checks first:

Continuity disclosures present
Chargeback ratio under 0.6%
MCC 5499 underwriting fit
Vera is matching you to underwriters…
Day oneTest environment, as soon as you applyBuild while underwriting runs. Live keys follow approval.
DaysTo an underwriting decisionSpecialty verticals get human review.
Live in daysNot weeks — from application to first transactionTest keys from your dashboard, production in days.
// THE CONVERSATION, MINUTE BY MINUTE

How VERA works.

Vera handles the back-and-forth that used to take a sales call plus a long PDF form. The merchant types, Vera asks the next right question, and the application writes itself.

STEP 01T+0

Tell her what you sell.

VERA DOESClassifies the vertical, maps to MCC, flags risk tier.
YOU GETAcquirer shortlist — only the ones likely to approve your model.
STEP 02T+5

Answer the underwriting questions in chat.

VERA DOESCaptures the data acquirers actually need (volume, ticket, AVS, chargeback history). Pulls public records where she can.
YOU GETA complete application package — no 40-field form, no PDFs.
STEP 03T+15

Confirm and sign.

VERA DOESGenerates the merchant agreement, KYC docs, processor TOS. E-sign in the chat thread.
YOU GETSigned application ready to file with the acquirer.
STEP 04T+20

Application files automatically.

VERA DOESSubmits to the matched acquirer's underwriting queue. Notifies the human reviewer.
YOU GETStatus updates in the chat as the file moves.
STEP 05DAYS

Decision in your inbox.

VERA DOESMost low-risk vectors auto-decision. Specialty verticals get human review.
YOU GETApproval, conditional approval, or a clear no — never a black box.
STEP 06NEXT

Production credentials.

VERA DOESIssues your live API keys + webhook secret. Test keys were available from Developers once you applied, so your dev can already be integrating.
YOU GETEverything to start integrating. Live in days.
// HOW WE DO IT

This is Vera — our underwriting AI doing the work.

Vera isn't a chatbot wrapper. She's trained on the underwriting playbooks of every acquirer in our network — so the data she captures from you is exactly what they need to make a decision.

Meet Vera
// READY TO APPLY

Apply once. Get a real answer in days.

No black-box waiting. Set up your test environment as soon as you apply, get an underwriting decision in days, and get live keys once you're approved.

Start your applicationTalk to underwriting