Merchant Application

Complete your merchant setup

Complete the sections below so Lubao can prepare your Payroc-powered merchant application for review. You can follow the recommended order or open any section.

Pricing direction: — Change
Application progress 0 of 10 sections complete

Start with Business Profile, or choose any section below.

Why we ask for this: Merchant account review requires business verification, owner verification, processing details, and deposit banking information. Sensitive fields such as SSN, EIN, date of birth, routing number, and account number are not saved in this browser.
  1. 1

    Business Profile

    Contact info, address, IRS classification, and merchant type.

    ~5 minutes
    Not started
  2. 2

    Processing Details

    Transaction sizes, monthly volumes, and your return policy.

    ~2 minutes
    Not started
  3. 3

    Deposit Bank Account

    Where approved card deposits will be sent.

    ~2 minutes
    Not started
  4. 4

    Owner Information

    Primary owner and any other beneficial owners with 25%+ ownership.

    ~3–5 minutes
    Not started
  5. 5

    Pricing Program

    Confirm your program selection and any program-specific details.

    ~2 minutes
    Not started
  6. 6

    Payment Tools

    Choose how you will accept payments and which card brands you will accept.

    ~2 minutes
    Not started
  7. 7

    Equipment Setup

    Configure terminal settings, connectivity, tips, servers, passwords, and more.

    ~3 minutes
    Not started
  8. 8

    Pricing

    Set your authorized rate, price entry method, and review your monthly subscription.

    ~2 minutes
    Not started
  9. 9

    Document Uploads

    Upload supporting documents such as voided check, storefront photos, and business license if needed.

    ~3 minutes
    Not started
  10. 10

    Review & Submit

    Review your application, sign the attestation, and submit to Lubao for review.

    ~2 minutes
    Complete sections 1–9 first
Saved progress and security

Your progress is saved locally on this device so you can come back later. For your security, sensitive fields — SSN, EIN, bank routing and account numbers, and dates of birth — are never stored. If you close the browser and come back, you will need to re-enter those fields. Nothing is sent to Lubao until you click Submit.

Business Profile

Welcome! Let's get started.

A few details about your business and how to reach you. Required fields are marked with *.

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Let's get your billing address set up.

Most businesses use the same address for billing as the business location. If yours is different, let us know.

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A few details about your IRS classification.

This information goes on your merchant agreement and 1099-K reporting. Your EIN is never saved in your browser — you'll need to enter it each visit.

Not stored in your browser.
Start typing and pick the best match from the list. If nothing fits, type "Other" and describe below.
A few sentences in your own words. This helps our underwriting team understand your business and speeds up approval.
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Which type of merchant best describes you?

Pick the category that matches the bulk of how you take payments.

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Processing Details

Single screen · ~2 minutes

Help us understand your business.

We use these values for fraud prevention and risk mitigation. Please be as accurate as you can — your best estimates are fine.

Transaction Size VISA DISCOVER

Typical per-transaction amounts on Visa, Mastercard, and Discover.

$
$
Monthly Volumes VISA DISCOVER

Total dollars processed in a typical month, and your busiest month.

$
$
American Express AMERICANEXPRESS

Toggle on if you currently accept AMEX or want to start accepting it.

Return Policy

What happens when a customer wants to return something?

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Deposit Bank Account

Single screen · ~2 minutes

Where will your funds be deposited?

This is the account where your daily settlements will land. Please double-check every digit — typos here delay your first deposit.

Deposit Account Where your sales will be deposited
Not saved in your browser.
Not saved in your browser.
Second Account for Debits Optional

Some merchants prefer to have processing fees and chargebacks pulled from a separate account rather than their deposit account. If that's you, toggle this on.

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Ownership

Single screen · ~3–5 minutes

Ownership information

Federal regulations require us to document anyone with 25% or more ownership of your business. Start with the primary owner and add others if applicable.

PRIMARY

Tell us about the Primary Business Owner

Not saved in your browser.
Not saved in your browser.

If you're transitioning an existing merchant account to new ownership or a new legal entity, select Yes.

The share of the business this person owns. Federal regulations require documentation of anyone with 25% or more ownership.

100%
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Pricing Program

Single screen · ~2 minutes

Choose your pricing program

Based on the direction you picked earlier, here's what fits. You can switch programs later without replacing your equipment.

Pricing-program descriptions are for general comparison only. Availability, pricing, surcharge eligibility, dual-pricing eligibility, debit/prepaid handling, signage, receipt language, equipment compatibility, funding, and final account terms are subject to underwriting, card-brand rules, state law, Payroc/service-provider approval, and applicable agreements.

Program changes may be available. In many cases, pricing-program changes can be reviewed without replacing equipment because the program is generally account-level rather than hardware-level. Changes remain subject to eligibility, approval, compatibility, and applicable agreements.
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Payment Tools

Where will you accept most payments?

Pick the option that best describes how your business usually takes payments. This helps us narrow the equipment and setup choices on the next screens.

At a counter or checkout desk?Choose Terminal.
On the go?Choose Mobile Payments.
Need inventory, staff, or order management?Choose POS.
Online, invoice, keyed, or pay-by-link?Choose Gateway / Virtual Terminal.

Need something different? Schedule a conversation and we'll figure out the right fit.

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Which payment options do you accept?

Select all card brands and payment types your business accepts.

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Here are the terminals you can choose from.

Based on your pricing program and payment options. Pick one to continue — we'll configure and ship it once your application is approved.

Not sure which terminal to choose? Use the fit labels on each device. Most simple countertop setups should start with a recommended countertop terminal; mobile or line-busting setups should start with a handheld option.

Terminal images shown are placeholders. Actual hardware will match model specs.

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Is this going to be a reprogram or standard?

A standard setup means we ship you new Clover hardware. A reprogram means you already own Clover hardware and want to switch processors to Payroc.

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Which Clover device best suits your needs?

Pick a device to continue. We'll configure it on the next screen and ship it once your application is approved.

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Equipment Setup

Single screen · ~3 minutes

Let's get your terminal set up.

Terminal

Choose a different terminal

Basics

Eastern Time. The terminal will batch and settle transactions at this time each day.

Connectivity

How does your terminal connect to the internet?

Tips

Servers

Enabling servers lets each employee log in with their own ID so tips and sales are tracked per server.

Receipt Footer

Optional text printed at the bottom of every receipt.

Up to 120 characters. Leave blank for no footer.

Passwords

Require a manager password for these actions. Recommended if multiple staff have access to the terminal.

Acquisition

How would you like to acquire your terminal? No payment is collected now — we'll set up billing after your application is approved.

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Pricing

Single screen · ~2 minutes

Let's set your pricing.

Three settings below determine how your ConsumerChoice program is configured. The example on the right updates as you make changes so you can see exactly what it looks like in practice.

Monthly Subscription

Your ConsumerChoice platform fee. Billed monthly and pulled from your deposit account.

$39.99 /month

Authorized Rate

The percentage your cardholders pay on top of the cash price for card transactions. This is what covers the cost of card processing.

Price Entry Method

How should prices be entered into your terminal? If your existing menus, labels, or product prices already reflect what a cash customer would pay, pick Cash Price Entry (most common). If you'd rather enter the card-paying price and have the system discount it for cash payments, pick Card Price Entry.

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Document Uploads

Single screen · ~3 minutes

Let's gather your supporting documents.

Underwriting uses these to verify your business. Most applications need a voided check and a business license — photos are fine, no scanner required. Accepts JPG, PNG, HEIC, and PDF up to 10 MB each.

Complete this section last and in one sitting.

Uploads don't save between browser sessions — if you close this tab or refresh the page after uploading, you'll need to re-upload. Your text answers from other sections are saved automatically.

Voided Business Check

Required

A voided check matching the deposit account from Section 3. Write "VOID" across the front and take a photo or scan.

Storefront Photo

Optional · Recommended

A photo of your business from the outside. Include your sign if you have one. Helps underwriting approve you faster.

Interior Photo

Optional · Recommended

A photo of your register, counter, or where card transactions happen. Confirms your business is operating.

Business License or Permit

Required

Your state or local business license. A photo of the license on your wall works fine. If your business truly doesn't require a license, check the box below.

Additional Documents

Optional

Anything else we should know? Previous processing statements, a memo about your business, lease agreement, etc.

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Review & Submit

Final step · ~2 minutes

Review your application.

Take a minute to check your answers. If something needs fixing, click Edit to jump back to that section. When everything looks right, sign the attestation and submit.

Attestation

By submitting this application, you confirm the following:

Typing your name here has the same legal effect as a handwritten signature.
Auto-filled to today.
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Submitting your application…

Hang tight. This usually takes 10–30 seconds depending on the size of your uploaded documents.

Application submitted.

Thanks! Your application is in. Review timing can vary, but many applications are reviewed within 2–3 business days when the required information and documents are complete. We’ll email you at the address you provided in Section 1 when there is an update.

Want to walk through anything specific in the meantime?

Schedule a call →

Reference ID: —

Something went wrong.

We couldn't submit your application. This is usually a network hiccup — give it another try.

Email us instead

If this keeps happening, email [email protected] and we'll walk you through it manually.

Section

Coming next

This section is being finalized and will be available shortly. Please complete the other sections in the meantime.

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Lubao LLC is an independently owned sales organization/representative offering merchant services through Payroc’s payment platform. This application flow is intended to collect preliminary information for review and does not guarantee approval, pricing, funding availability, equipment availability, program eligibility, or final account terms. Final approval and terms are subject to underwriting, merchant eligibility, card-brand rules, state law, Payroc/service-provider approval, and applicable agreements.