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Most applications are approved within one business day. Once we have your basic business details and a recent processing statement, underwriting typically comes back same-day, and we schedule equipment setup right after.

Standard funding is next business day for batches closed before the daily cutoff. Weekend and holiday batches fund the next banking day. Same-day funding is available on qualifying accounts.

Not always. Many sole proprietors are approved with a Social Security number and a valid ID. If your city or state requires a license for your industry, underwriting will ask for it, and we will tell you up front.

You need a checking account we can deposit into. A business account is strongly recommended for clean bookkeeping, but sole proprietors can often use a personal checking account.

No. American Express and Discover are enabled as part of your merchant account, so all major cards work on day one with a single statement and a single deposit stream.

The discount rate is the percentage of each sale kept by the processor and card brands. On our dual pricing program that cost is offset at the register, which is how qualifying merchants reach 0% effective processing.

Interchange is the non-negotiable portion paid to the card-issuing bank on every transaction. Visa, Mastercard, Amex, and Discover publish these rates, and no processor can discount them. What varies is the markup on top.

NPF is the non-qualified processing fee applied when a transaction misses the best interchange category, for example a keyed-in card or a missing address match. Proper setup and settlement habits keep NPF low.

Yes. Every business that accepts cards must validate PCI compliance annually. It is a short questionnaire for most small merchants, and we walk you through it so nothing is missed.

Nothing extra from us. PCI support and the annual questionnaire are included with your Minerva account, with no separate compliance charge and no surprise non-compliance penalty.