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Merchant Account Pre-Application

Thank you for choosing Dharma and starting your pre-application!


The entire pre-application should only take a few minutes, but please be as thorough as possible. The more information you give to us, the better we can serve you in a quick and effective manner! Please note that we only work with US based businesses, and do not work with adult services or other high-risk merchants.


Here is how the process works:


1. Once you complete this pre-application, an Account Manager will contact you within 1 business day to go over the information you provide.

2. The Account Manager will transpose the data onto an application, and email it to you for you to sign.

3. Once you return the signed application along with the required documentation, your application will be processed in 2 business days.

4. Upon approval, we will then work with you to set up your terminal, gateway or other device or software.

Let’s get started!





Here's what you'll need to provide


So you know what to expect and can be prepared, here is the information you'll need to provide:


1. Business Information: Legal name, incorporation status, EIN, contact information, and years in business

2. Owner Information: Name and contact information

3. Processing Information: Expected annual processing volume, methods of processing (in-person, online, mobile) and event dates for one-time events

4. Supporting Documentation: Voided check, IRS letter or proof of corporate status and previous processing statements (if any)


Click "Next" to get the process started!



This page contains some general questions about the business.



How did you hear about us?
We'd love to be able to say "thank you" to the person or organization who referred you to us! *

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Since you answered "Other" please write in who referred you. *

Please let us know how you found out about us, even if it was an internet search!

Since you are already working with DoJiggy, we have a special application for you! Please click here:

DoJiggy Application Page

How do you intend to accept credit card payments?
Please select all that apply!
*




Please tell us how you'd like to accept credit cards!
Please enter the "Doing Business As" name (DBA)
This is the name you'd like to appear on your customer's credit card statements. It can be up to 25 characters long. This can be different from your legal name, but it must match with the name on your website and branding. If your DBA isn't clear, you risk confusing your customers and increasing the possibility of chargebacks. *

Your DBA can contain a maximum of 25 characters, only letters and numbers please!
Please tell us a little bit about how you plan on using your new account.
What products or services will you offer? Will you be taking donations? What will you be accepting payments for? Use as much detail as you'd like! We'd like to get as much understanding as we can, so we can serve you best. *

We'll need to know what you're selling or accepting payments for, so that we can structure your account accordingly. It's a Visa/MC requirement that we determine specifically how you'll be using your account.


This page has some general questions about the business.



How is the organization classified by the IRS? *

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How many years has the organization been in existence? *

Please write in "New" or "O" if your business is just starting. Otherwise, please input the years you've been in business.
Please enter the Taxpayer ID number, also known as the Employee Identification Number.
If you're a sole proprietor, this could be your Social Security Number. If so, please don't enter it here. *

Please, no dashes or spaces! We'll need this nine digit number to process your application. If you're a sole proprietor, this may be your social security number.
Please enter the website of the business.
If you'll be taking payments online, please enter the site you'll be taking payments on.
*

Please input your website. If you're applying for an online account, this is required. If you're applying for a retail account, you can simply enter "N/A"
Please enter the best email address for the organization.
This should be an address you're comfortable sharing with customers. *

We'll need a valid email address for communications.





This page pertains to the Business itself, and not the individual owners.


Please answer these questions from the perspective of the organization, not the owner.

Is your mailing address the same as your business address?
Please select "No" if you'd like to designate a PO Box for statements to be mailed to, or if you have an alternate mailing address. *

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Please input the Mailing address where you'd prefer statements to be sent. *

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City *

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State *

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Zip code *

Please enter a US zip.
Please enter the best phone number for the organization, including area code. *

Please enter the business phone number.
Please enter the fax number for the organization, including area code.

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If there is a member of the organization who will be managing this account on the owner's behalf, please select "Yes."
Otherwise, the Owner will be designated as the main contact. We'll ask for the Owner's information on the next page.

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Please enter the name of any extra contact you'd like for this account. *

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Please enter the contact phone number, including area code. *

Please enter a valid phone number.
Please enter the contact email address. *

Please enter a valid email address.





This section pertains to the Owner of the organization only, and not the organization itself.


Please note that if your organization is classified as a non-profit, you can input the account signer's information on this page. No credit information or personal guaranties will be required for the signers of non-profit organizations.

Will there be a second owner on the application?
As a for-profit firm, the owner will need to have at least 50% ownership to sign. If the primary owner has less than 50% ownership, we'll request to have another owner sign in addition, to reach a collective ownership percentage of over 50%. *

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Please input the Owner's first name.
As a non-profit, this will be the name of the person signing the application. *

Please enter the Owner's name.
Please enter the Owner's last name. *

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Please enter the title of the Owner or signing officer. *

Please input the title of the owner.
Please enter the percentage of ownership for the Owner.
If your organization is non-profit, please enter "0" *

Please enter a number between 1 and 100.
Please input the physical street address where the owner lives. If your organization is a non-profit, please enter the business' information here.
No PO Boxes, please. *

Please enter the address.
City *

Please enter a city.
State *

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Zip code *

Please enter a US zip.
Does the Owner rent or own their home?

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Please enter the phone number of the Owner, including area code. *

Please enter a valid phone number.
Please enter an alternate phone number for the Owner.

Please enter a valid phone number.
Please enter the best email address for the Owner.
This should be the email address you'd like Dharma to use when communicating with the owner. *

Please enter a valid email.
Please input the Second Owner's full legal name. *

Please enter the Owner's name.
Please enter the title of the Second Owner or signing officer. *

Please input the title of the second owner.
Please enter the percentage of ownership for the Second Owner. *

Please enter a number between 1 and 100.
Please input the physical street address where the Second Owner lives. *

Please enter the address.
City *

Please enter a city.
State *

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Zip code *

Please enter a US zip.
Does the Second Owner rent or own their home?

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Please enter the phone number of the Second Owner, including area code. *

Please enter a valid phone number.
Please enter an alternate phone number for the Second Owner, including area code. *

Please enter a valid phone number.
Please enter the best email address for the Second Owner of the business.
This should be the email address you'd like Dharma to use when communicating with the second owner. *

Please enter a valid email.





This section pertains to the dollar amounts you'll be processing through your new account with Dharma.

We understand that sometimes these are estimates. Please do your best, and an Account Manager can discuss these in more detail with you.


Is the organization currently accepting credit cards?

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What company is currently processing credit cards for the organization? *

Please enter the name of your current provider.
Please let us know why you're leaving your current processor.
Many merchants are looking for lower rates, better service, or the chance to partner with a mission-aligned business when choosing Dharma for their payment processing needs. Please feel free to elaborate on why you've decided to move forward with Dharma Merchant Services. *

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Will this account be used for a one-time event?
Please only answer "yes" if you plan on closing your account once your event is over.


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*Please Note* All one-time event accounts are subject to a specific funding schedule, set by our processing bank. 25% of ticket sales and donations will be released in the standard, 2-business day funding period. The next 50% of funds will be released 3 days following the event, and the remaining 25% of funds will be released 30 days following the event.

This funding schedule allows our processing bank to adequately account for the inherently higher risk of one-time events, and also helps protect against chargebacks. Please feel free to consult your Account Manager for further clarification of funding schedules once you have submitted your application.

Please enter the date of your event. *

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Please enter any pertinent information about your one-time event.
This includes what the event is for, expected volume levels for your event, how far in advance you'll be selling tickets, refund policies, ticket prices, expectations, etc. The more detail the better! If we know exactly how you're processing, we can set your account up quickly and help protect you against fraud. *

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Please enter the Average credit card transaction amount.
A good way to determine this is to consider what is the most frequent dollar amount of transactions you run. *

Please enter the average transaction in a number format.
Please enter the largest credit card transaction you expect to process.
A good way to determine this is to ask yourself "What's my most expensive product?" or "What's the largest donation I've ever received by credit card?" *

Please input the maximum transaction in a number format.
Please enter the Annual Volume, or the total dollar value of expected Visa/MasterCard/Discover sales in a given year.
Please do not include American Express transactions, and do not include cash/check transactions. *

Please enter the annual volume in a number format.
Does your business have any seasonal processing, or high volume months?
You may expect high donations in the winter months, sales peaks during certain months, or ticket sales before events. Please let us know about these in as much detail as possible! This includes expected dollar values, dates of events, or anything else you deem relevant.

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Do you currently accept American Express?

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Would you like to apply for American Express?

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Please estimate your annual American Express volume. *

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Please select the refund policy that applies to your product/service.

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Please explain your refund policy in detail.

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Please enter any additional information that you think may be relevant to opening a new merchant account.
It's important for us to completely understand your business, so that we can properly detect for fraudulent activity on your behalf. On that note, the more that we know about how you intend to process payments, the better we can serve you! Please include any pertinent information about the way you take payments or the nature of your business.

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This section pertains to how you intend to physically process credit card information.

This information will help ensure that we set your account up properly. It's imperative that we know your full intentions so that we can properly structure your account and reduce the possibility of funding holds or chargebacks.



Because you stated earlier that you'd like to accept credit cards In Person, we'll need to know how you intend to physically swipe credit cards.
Select whichever best applies. You'll have the opportunity to explain further below. *

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Please elaborate on your above answer, and give us an explanation on how you're planning on swiping transactions.
Please let us know if you have any hardware requirements, an existing machine, or if you need to purchase a terminal from us. If you have questions for us about terminals, this is the place to write them down! *

Tell us a little bit, please!
Because you stated earlier that you'd like to accept credit cards Through your website, we'll need to know how you intend to process online.
Select whichever best applies. You'll have the opportunity to explain further below. *

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Please elaborate on the answer you gave above.
Let us know if you have an existing gateway, or if you need to set one up through us. If you have questions about setting up a gateway, this is the place to write them down! *

Tell us a little bit, please!
Because you stated earlier that you'd like to Key-in Transactions as your method of card acceptance, we'll need to know how you intend to physically do so.
Select whichever statement best applies. You'll have the opportunity to explain further below. *

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Please elaborate on the answer you gave above.
Let us know if you have any specific needs or desires. Please tell us if you'll be using an Internet line or a dial-up phone line. If you have questions about keying transactions in, this is the place to write them down! *

Tell us a little bit, please!


This section pertains to Additional Documentation that will be requested with your new account.

It's not required that you upload these items now, but it will help speed up the application process if you send in any relevant documents with your pre-application. Please only upload files with extensions of pdf, gif, jpg, tif, or png.



Please select all of the documents that you'd like to upload.
Select as many that apply! Additional documentation could include extra processing statements, bank statements, marketing materials, business financials, licences, invoices, contracts, or any other information you think is relevant.








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Please upload a Voided Check from the bank account you'd like us to deposit your funds into and have fees removed from.
It is a requirement that the check be pre-printed with the organization's name and address.

Please only upload files with extensions of pdf, gif, jpg, tif, or png.
Please upload Proof of your Business entity.
This could be a 501c3 letter if the organization is a non-profit. For-profit business can submit articles of incorporation, sales licences, or federal/state issued business licenses.

Please only upload files with extensions of pdf, gif, jpg, tif, or png.
Please upload Previous Processing Statements.
If the organization is already accepting credit cards, please upload at least 3 recent months of processing statements.

Please only upload files with extensions of pdf, gif, jpg, tif, or png.
Please upload any additional relevant documentation.
Additional documentation could include additional processing statements, bank statements, marketing materials, business financials, licences, or any other information you think is relevant.

Please only upload files with extensions of pdf, gif, jpg, tif, or png.
Please upload any additional relevant documentation.
Additional documentation could include additional processing statements, bank statements, marketing materials, business financials, licences, or any other information you think is relevant.

Please only upload files with extensions of pdf, gif, jpg, tif, or png.
Please upload any additional relevant documentation.>br>Additional documentation could include additional processing statements, bank statements, marketing materials, business financials, licences, or any other information you think is relevant.

Please only upload files with extensions of pdf, gif, jpg, tif, or png.
How would you like Dharma Merchant Services to contact you once you finish your pre-application?
The next step of the process is to have an Account Manager review your pre-application, and reach out to you for any additional required information. How would you like us to contact you? *

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Please select all times that you'd like to be contacted.
These times are for the Pacific Time Zone, as we''re based in San Francisco, California.
*




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Press "Submit" when you're done!
Please note, if you are uploading any files, there may be a small delay between clicking "submit" and moving to the next page, as your files will be uploading.


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