RUO Processing U.S. Bank Merchant Info Questionnaire

Please complete all applicable fields. This information is required to submit your credit card merchant application to underwriting.

This is the credit card application. It covers Visa, Mastercard, Discover, and American Express processing through our U.S. bank partner. If you want the 2% same-day ACH program instead (or in addition), that's a separate, faster application, go to intake.gulfmanagementsystems.com/form/profile/shark or read the walkthrough at holisticpayments.io/ach-apply.
What every Holistic Payments client gets

Approval is the start, not the finish. Every boarded merchant plugs into our full operator stack.

Agency Ad Accounts Meta, Google, and Rumble accounts that don't go down when you scale. Built for high-risk verticals that get flagged on standard accounts.
Performance Marketing Team A performance marketing agency on retainer that runs creative, media buying, and funnel optimization with you, not at you.
Supplier Network Vetted list of U.S. and offshore suppliers, whether you want to dropship or handle your own wholesale sourcing with a 3PL.
White-Glove Plugin Setup Our team installs and configures your gateway end-to-end on WordPress or a custom site. You don't touch a line of code.
Growth Capital Business funding connections to scale inventory and ad spend, plus a private investor network for qualified brands.
Telehealth Pivot Path Telehealth provider partnerships if you ever want to rebrand or extend into a licensed telehealth operation.
What this is not
  • A fiat-to-crypto on-ramp
  • A gift card processor
  • A masking or miscoding system
  • Buying and burning NFTs for peptides

Qualification Requirements

Payout Terms

Fee Schedule

$30K – $80K / mo9.5%
$80K – $150K / mo8.5%
$150K – $250K / mo7.5%
$250K – $500K / mo7%
$500K – $1M / mo6.5%
$1M+ / moNegotiable

Graduated pricing: as your monthly volume grows, you move down the schedule to a lower rate, so scaling up means paying less per transaction over time.

Reserve Options

Major point
After 90 days of good performance, the reserve is removed and set to 0%. You will receive a letter from the bank confirming this as fact when you sign your merchant agreement.

A reserve is a percentage of each day's settlement that the processor holds back as security against chargebacks, refunds, and account volatility. It's standard for high-risk verticals and is released back to you once your account proves stable. Pick the option you'd prefer below.

Negotiable: Option B's 90-day window can be reduced to 60 days for merchants with sufficient processing history.

These are estimates. The real rate is subject to review based on the holistic account outlook.

Merchant Application

Step 1 of 4: Business Information

Business Information
Primary Contact
Owners / Founders
Banking & Documents
1 Business Information

Legal name, DBA, location, and formation details for the merchant account.

Business InformationLegal and DBA details for the merchant account.
Business Profile
Step 1 of 4
2 Primary Contact

Who should underwriting reach out to if they have questions, and which line do your customers call for support?

Primary ContactWho we call or email about the account.
Customer ServiceThe phone and email that will appear on the customer's card statement for support inquiries.
Step 2 of 4
3 Owners / Founders

Add every owner or officer with 25% or more ownership. Up to three principals.

Owners / OfficersPrincipals must total at least 25% ownership for underwriting. Add up to 3.

1 Primary Owner

Step 3 of 4
4 Banking & Documents

Product details, settlement banking, and the documents underwriting needs to approve the account.

Product & PricingUsed by underwriting to assess volume, risk and ticket profile.
100%
Current Account Profile
Required DocumentsFastest path: paste a shared folder link. Or upload individually below.
Fastest option

Drop a shared folder link

Already have your documents in Google Drive, Dropbox, OneDrive, or another shared folder? Paste the link here. Make sure intake@holisticpayments.io has view access.

or upload each document individually

Required documents. All items below. If you shared a folder link above, you can leave these empty.

Last 3 months business bank statementsAlso demonstrates processing history if no separate processing statement available
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Last 3 months processing statementsIf applicable. Bank statements above can cover this if you don't have separate processing reports.
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Utility bill for primary ownerDated within the last 45 days, proof of address. Other equivalent proof of address also accepted.
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EIN confirmation letterIRS CP-575 or equivalent EIN verification document
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Articles of incorporation / organizationState-filed formation document
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Voided check or bank letterEither works. Voided check from the account receiving settlements, or a bank letter on bank letterhead confirming routing and account number.
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Photo ID for primary ownerDriver's license, passport, or state-issued ID
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W-9Signed and current. If you don't have one, we can generate a fillable version after intake.
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Supply / partner / vendor / fulfillment / service agreementOnly one of these is required. Any signed agreement with a supplier, partner, vendor, fulfillment provider, or service provider works.
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Startup EvidenceOptional, but speeds up the application if you're pre-revenue.

If you're a startup but have the $100K+ in liquidity or a line of credit, attach a screenshot that proves it below. This is optional, and you can submit this evidence later, but including it here will speed up the application process.

Click to attach a screenshot or PDF
Bank statement, brokerage balance, line of credit document, etc.
Step 4 of 4 · Required fields complete: 0%

Application received.

Your merchant intake has been captured and routed to underwriting. A team member will follow up within one business day.

Submission ID: -