NUMUS NMS.io
Your provider conversation
Merchant account preparation · Worksheet 01
Ask better questions.
Keep the answers in writing.
A practical conversation guide for business owners with personal-credit concerns. Use it to clarify the review process and compare written account terms. It does not predict eligibility or approval.
Provider / offering
Representative
Conversation date
01 Credit review & application
| Question to ask | Provider answer | Written evidence¹ | Follow-up / date |
|---|---|---|---|
| 1. Whose credit is reviewed?Is there a personal credit inquiry? If so, is it hard or soft, when does it happen, and how is authorization obtained? | |||
| 2. What context will help?Which explanations or documents should I prepare for the credit concerns I want reviewed? How should I provide them securely? | |||
| 3. What happens before I apply?Can we discuss my business model and needs before a formal application? What is that preliminary conversation able to confirm? | |||
| 4. What responsibility am I taking on?Is a personal guarantee required? Where can I read the complete terms and understand whose obligations it covers? |
Use this for questions, not sensitive records.Do not write Social Security numbers, account numbers, payment-card details, passwords, or credit-report contents here. Ask the provider which secure channel to use for any requested documents.
What I still need clarified before moving forward
NUMUS NMS.io
Your provider conversation
Merchant account preparation · Worksheet 02
Understand the account & cash flow.
Compare written offers using the same business assumptions. Mark any unconfirmed term “pending” and record who will clarify it.
02 Cash flow & account terms
| Question to ask | Provider answer | Written evidence¹ | Follow-up / date |
|---|---|---|---|
| 5. What will the account cost?Which processing, gateway, recurring, incidental, and termination charges apply? Where is the complete fee schedule? | |||
| 6. When can I access funds?What are the funding schedule and account limits? What can change them, and how will I be notified? | |||
| 7. Is a reserve part of this offer?How is any reserve calculated, held, reviewed, and released? What happens to it when the account closes? |
03 Setup & support
| Question to ask | Provider answer | Written evidence¹ | Follow-up / date |
|---|---|---|---|
| 8. Will it fit my payment setup?Which gateway and integrations are included? Will they support my checkout, recurring billing, or in-person needs? | |||
| 9. Who helps after approval?Who handles setup, funding questions, disputes, and account changes? Which organization do I contact for each? |
Pause on any answer you cannot verify.Ask for unclear fees, obligations, and restrictions to be explained in the written offer or agreement before you decide.