By clicking "Accept" you agree to have cookies stored on your device to improve site navigation, analyze site usage, and assist with our marketing efforts. See our privacy policy for more information.

Open a merchant account for free

Years of experience
Acquiring banks
merchant accounts opened since 2022

How to open
a merchant account?

Due diligence

The underwriting process is a necessary step to open a merchant account. Acquiring banks will always perform a due diligence to make sure that:

- Your business fits their risk policy
- Your website is compliant with the card scheme's rules
- Your company structure is acceptable

We, at eFlow Processing, will help you through the whole process. The first step is to fill out our precheck form. All submissions will be answered within 24 hours.

One of our payment experts will set-up a call with you and get to know your business. Then, you will be requested to provide KYC documents and fill out the application forms of our selected acquiring partners. This step is necessary to validate the KYC package and ensure compliancy.

The next step consists in addressing all potential concerns from the acquiring bank and apply the required changes on the website. It's called the compliancy review.


Next, you will be requested to sign the merchant agreement so the acquiring bank can issue the MIDs.


Last but not least, you will have to integrate your checkout page with the acquiring bank. This integration is often done through third-party technical gateways. eFlow Processing can help you to select the most appropriate technical solution.

Supported Business modelS



Merchants charging customers for goods or services at predefined intervals


Digital goods

Any goods that are sold, delivered and transferred in digital form



Dietary supplements and Cosmetics

Icon shop


Any product that can be shipped or delivered to the customer's address.


Other types of High Risk businesses

Other types of High Risk businesses


How do I get a High Risk Merchant Account?

To get a High Risk Merchant Account, push the "Contact US" button on the upper right corner of the screen.

What does High (Brand) Risk mean?

Merchants are categorized "High (Brand) Risk" by Visa and Mastercard because they belong to an industry or a category that has high financial, reputational and/or legal risks. Those merchants require additional due diligence and close monitoring.

How long does it take to open a Merchant Account?

It takes between 7 and 21 days in average. Having a complete KYC package and a compliant website will considerably speed up the process.

WHO we

Get to know our dedicated team of passionate individuals who work tirelessly to provide exceptional service and drive success for our merchants. Whether it's through collaboration, innovation, or a committment to excellence, our team members embody the values that make our company a leader in the industry.