Guide to Opening a High Risk Merchant Account | Interactive Checklist for Application

Guide to Opening a Merchant Account

Check each requirement off. Click **Disclaimers** to reveal the exact text to use. Your progress saves in your browser.

Documents

3 months processing statements
3 months business bank statements
Personal bank statements (new biz w/ low balances)
EIN letter
Articles of Organization / Certificate of Formation
Inventory photos or fulfillment agreement
Voided check or bank letter
Owner driver’s license (photo)

Website (card-brand audit)

Website live and functional (no placeholder pages)
Business name, physical address, support email & phone in the FOOTER
Footer links: Privacy • Terms • Shipping • Returns/Cancel
Card brand logos displayed
Age verification (21+) notice in footer and enforced at checkout

FDA Disclaimer

Sample: These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure, or prevent any disease. Consult your physician before use.

CBD / Farm Bill Disclaimer

Sample: Products are hemp-derived and contain no more than 0.3% Δ9-THC on a dry weight basis. Not for sale where prohibited. Keep out of reach of children. Not evaluated by the FDA.

Kratom Age & Shipping Disclaimer

You MUST be 21 years or older to purchase Kratom, MGM, and mitragynine extracts. We do not ship to the following states, cities, and counties in the US where Kratom is banned: Alabama, Arkansas, Indiana, Rhode Island, Vermont, Wisconsin, Sarasota County FL, Alcorn, Calhoun, Itawamba, Lowndes, Monroe, Noxubee, Prentiss, Tippah, Tishomingo, and Union County, MS, Corinth, Derma, Fulton, Guntown, Iuka, Mantachie, Marietta, New Albany, Okolona, Oxford, Pontotoc, Ripley, Saltillo, Senatobia and Vardaman, MS, Monument and Parker, CO, San Diego, CA, Jerseyville, IL, and Oceanside, CA.

Checkout geofenced for restricted states / cities
COAs linked or provided on request (current to lot/batch)
CBD items show mg per serving; THCA items show % THCA (where applicable)

Checkout & billing

Billing descriptor preview (or clear statement) at checkout
Support email + phone visible during checkout
Subscription/Auto-ship policy next to Subscribe (interval, price, cancel)
3-D Secure enabled when available with bank/gateway
Refund window stated and matches policy page
0/0 items complete
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