General Questions
Frequently Asked Questions
Accepted & Restricted Businesses
What types of businesses does Tranzzope support?
Tranzzope supports low-risk, mid-risk, and high-risk businesses, with a strong focus on high-risk industries that traditional banks often decline.
Which industries are considered high risk?
include CBD, nutraceuticals, subscription services, adult products, forex, gaming, firearms-related businesses (where permitted), and other regulated verticals.
Do you accept international or non-US merchants?
Yes, Tranzzope works with both US and select international merchants, subject to underwriting and compliance requirements.
Can startups or new businesses apply?
Yes. Startups and newly launched businesses are welcome, even without processing history.
Can I get approved with bad credit or no credit history?
Yes. Approval is based primarily on business risk, documentation, and compliance not personal credit alone.
Applying & Account Overview
How do I apply for a Tranzzope merchant account?
You can apply online by completing our merchant onboarding form and submitting the required documents.
Is there an application or setup fee?
Fees vary based on business type and risk level. Any applicable fees will be clearly disclosed before approval.
How long does the approval process take?
Most applications are reviewed within 24–72 business hours after documents are submitted.
When can I start accepting payments?
Once approved and integrated, merchants can start processing payments immediately.
How long do payouts take?
Standard settlement time is 2–5 business days, depending on risk category and banking partner.
Completing the Application
What should I enter as my legal business name?
Please enter the registered legal name exactly as it appears on official business documents.
What monthly volume should I estimate?
Provide a realistic estimate based on expected sales to help us place you with the correct acquiring bank.
Do I need a live website to apply?
A website is preferred but not mandatory for all business types. In some cases, a landing page or product details may be accepted.
Is a credit check required?
In most cases, Tranzzope does not perform hard credit checks
Do I need to provide my SSN?
SSN or equivalent identification may be required for verification purposes, depending on business structure.
Required & Supplemental Documents
What documents are required for approval?
Typically required documents include:
Last 3 months of bank statements
Voided company check
Government-issued ID
Business registration documents
When is a Federal Firearms License (FFL) required?
An FFL is required only if your business deals with regulated firearms or related products.
Why do you request additional documents?
Additional documents help ensure compliance, reduce risk, and improve approval chances help.
Are personal documents kept secure and confidential?
Yes. All documents submitted to Tranzzope are handled securely and used only for verification and underwriting purposes.
Can I submit documents after starting the application?
Yes. You can begin your application and upload required or additional documents later if requested by our underwriting team.
Completing the Payment Gateways & Integrations
Which payment methods do you support?
We support credit cards, debit cards, ACH/eCheck, and select alternative payment methods.
Do you offer payment gateway integration?
Yes. Tranzzope integrates with leading payment gateways and shopping carts.
Can I integrate with my existing website or platform?
Yes. Our solutions work with most eCommerce platforms, custom websites, and APIs.
Pricing & Approval
Why are high-risk processing fees higher?
High-risk businesses involve increased chargeback and compliance risks, which affect pricing
Will I receive transparent pricing?
Yes. Tranzzope provides clear and upfront pricing before activation.
Can a declined application be reconsidered?
Yes. In many cases, applications can be re-reviewed with additional information.
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