From application to approved in four steps.
No paperwork mountains and no waiting weeks. Most merchants are pre-approved within 24 hours and processing within one to three business days.
Straightforward from the first click
Every step has a real person behind it — so you always know where your application stands.
Apply online
Complete our secure five-minute application. It's free, carries no obligation, and getting started has no impact on your personal credit.
- Basic business and ownership details
- An estimate of your monthly volume
- How you sell — online, in-store, or both
Get underwritten
A dedicated specialist reviews your business, answers your questions, and matches you with the right pricing, hardware, and gateway for how you operate.
- Underwriting that understands your industry
- A clear, itemized rate quote
- Guidance on any documents we may need
Get approved
Receive your approval — often within 24 hours — along with your terminals, gateway credentials, or point-of-sale hardware, configured and ready.
- Pre-approval in as little as 24 hours
- Equipment shipped or credentials issued
- Integration help for your cart or POS
Start getting paid
Go live and accept payments everywhere your customers are. Watch funds settle as soon as the next business day, with full visibility in your dashboard.
- Next-day funding on eligible accounts
- Real-time batch and deposit reporting
- A responsive support team
What you'll want on hand
Having these ready helps us move your application through underwriting quickly.
- A valid government-issued ID for each owner with 25%+ ownership
- Your business bank account details for funding (a voided check works)
- Your EIN or business registration information
- Two to three recent processing statements, if you're switching providers
- A rough estimate of your average and highest transaction amounts
Don't have everything? Apply anyway — your specialist will tell you exactly what's needed and help you gather it.
Your free, no-obligation rate review takes five minutes.
Tell us a little about your business and a High Star specialist will follow up with a tailored quote — usually the same business day. No contracts to sign just to see your numbers.
- Free statement analysis & side-by-side savings
- Approval for standard and specialized industries
- Keep your current bank — we work with all of them
- No setup fees, no early termination penalties
Apply in minutes
Secure & encrypted. We never share your information.