// ONBOARDING & APPROVAL

Apply in chat.
Approved in days.

Skip the 40-field PDF. Tell us what your business does, in plain language. Our underwriting AI matches you to the acquirer that fits your vertical and files the application same-day.

Start your applicationSee the conversation
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VERA · ONBOARDING SESSION
LIVE
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Walk me through your business. What are you selling, and how do customers buy it?

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

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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…
~20 minFirst message → signed applicationNo PDFs. No fax. No three-week black box.
< 2 hrsDecision for low-risk vectorsSpecialty verticals get human review same-day.
< 1 weekFrom application to first transactionSandbox keys in 30 seconds, production in days.
// THE CONVERSATION, MINUTE BY MINUTE

20 minutes from hello to signed application.

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 05<2 HRS

Decision in your inbox.

VERA DOESMost low-risk vectors auto-decision. Specialty verticals get human review same-day.
YOU GETApproval, conditional approval, or a clear no — never a black box.
STEP 06DAY 3

Sandbox keys + production credentials.

VERA DOESProvisions your sandbox tenant, sends webhook secret + API keys, hands off to your dev for integration.
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

Tell Vera what your business does. Get a real answer today.

No black-box waiting. No PDFs. Twenty minutes of chat from first message to signed application, decisions same-day for most low-risk vectors.

Start your applicationTalk to underwriting