Industry guide · Underwriting Requirements

B2B wholesale merchant account requirements

Underwriting is not looking for a reason to say no. It is looking for enough evidence to say yes, and most delays are a missing document rather than a decision.

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25+ YEARS

of payment processing
experience

25+ YEARS

of payment processing
experience

Underwriting Requirements · B2B Wholesale

One organized file. Fewer surprises.

A complete, accurate file saves back-and-forth and helps partners make informed decisions.

01Verify the business and principals
02Collect industry-specific documents
03Present the complete transaction story

What we review

Practical details. Real context.

Owner identification and verifiable business details.
Bank and processing statements where available.
Products, delivery, refund and dispute policies.
Additional industry and licensing records as required.

We translate your business model into a clear application, anticipated risk review, required licenses, customer journey, financial records and fulfillment evidence.

B2B Wholesale workflow

Know the transaction before the rate.

01Quote / purchase order
02Deliver product
03Invoice commercial buyer
04Collect and match payment

Documentation checklist

Build a complete submission.

Customer invoices and terms
Sales volume and average ticket
Business registration and banking
Fulfillment / delivery records

AltirasPay prepares and supports the file. The acquiring bank decides approval, pricing and terms.

Meet Pyper

Need help with the details?

Pyper can explain the steps, prepare questions for an expert and help you understand what comes next.

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How the money reaches you

Underwriting is reading a description of this path. The clearer it is, the less there is to ask about.

CUSTOMERPURCHASE ORDERINVOICEPAYMENT PORTALCARD / ACHERP

Running alongside: LEVEL 2 / 3 DATA · CARD ON FILE · CONTRACT PRICING · PAYMENT HISTORY · STATUS TRACKING · SETTLEMENT.

What gets built for b2b wholesale, manufacturing & distribution

Customer Payment Portal

Allow approved customers to handle their own account without a phone call.

Commercial Card Optimization

Transmit enhanced eligible B2B transaction information where supported. Nearly every card touching a distribution account is a commercial card, and most merchants who qualify are not sending the fields.

ACH

Give larger customers an economical electronic payment option, which by value will usually be most of the volume.

Card-on-File

Create properly authorized repeat-payment workflows for established business customers. A stored-credential transaction disputed without written authorization is hard to defend.

ERP Connectivity

Connect payments to the records that already exist.

Receivables Automation

Every invoice should have a status anyone can read.

Build My Accounts Receivable Payment Flow.

Send a sample invoice and a month of card volume, and we will map the portal and the cost side together.

The exact document list depends on the business rather than the industry, so we resolve it against what you tell us instead of sending everyone the same checklist. Pyper can give you yours in about a minute.

Applying commits you to nothing and is not an approval. The acquiring bank decides placement, pricing and terms — we build the file and tell you honestly what it is likely to meet.