Start Your Merchant Account
Nationwide placement. No contracts. No equipment leases.
Structured onboarding. 24–48 hour underwriting review.
WHAT TO EXPECT
Clear Process. No Surprises.
Opening a merchant account involves underwriting review. We keep it efficient and transparent.
Our onboarding includes:
- Business verification
- Ownership verification
- Banking confirmation
- Volume analysis
- Surcharge eligibility review
- Hardware configuration (if applicable)
Most accounts are reviewed within 24–48 hours.
If additional documentation is required, we will communicate it clearly.
REQUIRED INFORMATION
What You’ll Need.
To complete the application, please prepare:
- Legal business name
- EIN or SSN (if sole proprietor)
- Government-issued ID
- Voided check or bank letter
- Three months of processing statements (if switching)
- Estimated monthly volume
- Average transaction size
Providing accurate information ensures faster approval.
PRICING STRUCTURE CONFIRMATION
Your Pricing Structure.
Before activation, you will select one of two models:
Interchange-Plus (0.50% Markup)
Transparent structure over true interchange cost.
Surcharge Model
Processing fees passed to the customer.
Merchant pays only the $24.99 monthly platform fee.
We review eligibility and compliance prior to implementation.
No tiered pricing.
No bundled padding.
No hidden margin structures.
HARDWARE OPTIONS
No lease contracts. No processor lock-in.
Hardware (Optional)
Choose from:
- Clover POS systems
- Dejavoo terminals
- Ingenico terminals
- Browser-based MX Merchant only
Free hardware available for qualifying volume.
All purchased equipment is owned outright.
We did not build Top Hand to be the loudest processor.
We built it to be structurally clean.
- A $24.99 monthly platform fee.
- Transparent markup.
- Multi-bank stability.
- Clear underwriting.
- No lease padding.
- No silent repricing.
Retention should be earned through structure, not enforced through paperwork.
SECURITY & COMPLIANCE
Secure & Compliant.
All application data is encrypted and handled within PCI-compliant systems.
We do not share your information outside of necessary underwriting review.
Structured underwriting protects both you and the acquiring bank.
Let’s Get Started — Share Your Details
Tell us a little about your business and what you’re looking for in a payment partner. We’ll review your information personally and reach out with clear next steps tailored to your goals. It’s quick, simple, and the first step toward better processing.
Unlock Your Custom Rate Quote
Every business is different — your pricing should be too. Submit a few details and receive a transparent, customized rate analysis designed to reduce fees and improve efficiency. No guesswork. No hidden costs. Just straightforward numbers you can trust.
Complete Your Merchant Application
Ready to move forward? Fill out your merchant application and begin the onboarding process with a team that values speed, clarity, and personal support. We’ll guide you every step of the way so you can start processing with confidence.