Apply Online for a Merchant Account
Getting started with iSmart Payments is quick, secure, and designed to get your business accepting payments as soon as possible. Whether you’re opening a new business, replacing your current payment processor, or expanding to a new location, our online merchant account application makes the process simple.
Our payment specialists work with businesses of all sizes throughout the United States, helping them accept credit cards, debit cards, ACH payments, mobile wallets, Text-to-Pay, payment links, recurring billing, and modern POS solutions. Most applications can be completed in just a few minutes.
Accept Credit Cards In Just Five Minutes:
The PayAnywhere mobile credit card terminal is a wireless payment machine designed for businesses that need to accept credit cards, tap-to-pay transaction, Apple Pay, Google Pay, and contactless payments from virtually anywhere.
Our PayAnywhere Smart POS System PAX E700 comes with an 12.5″ HD touchscreen, 4.3″ customer facing display, receipt printer, and barcode scanner.
Monitor sales, track inventory, manage employees and more.
Businesses can use Payments Hub to accept credit card payments, ACH payments, eChecks, emailed invoices, virtual terminal transaction, and hosted online payments while improving operational efficiency.
PayAnywhere Tap to Pay on iPhone allows businesses to accept contactless payments directly on a compatible iPhone using the PayAnywhere app without needing a separate credit card reader or payment terminal.
What You’ll Need to Apply Online for a Merchant Account
Applying online is simple. Most businesses only need:
- Business information
- Government-issued identification
- Bank account information
- Estimated monthly processing volume
- Business tax information (if applicable)
If additional information is needed, one of our payment specialists will contact you.
Contact iSmart Payments at 801-205-1955 to learn more.
What Happens Next?
What Happens Next?
Once your application is submitted:
- We review your application
- Underwriting processes your merchant account
- You’ll receive approval updates.
- Equipment or software is prepared
- Your account is activated
- You can begin accepting customer payments
We’ll guide you through each step to make onboarding as smooth as possible.
Why Apply with iSmart Payments?
When you apply online, you’re not just submitting a merchant application—you’ll have access to experienced payment professionals who understand how businesses operates.
Since 2009, we’ve helped businesses across dozens of industries find payment solutions that fit the way they work.
Benefits include:
- Fast online application
- Secure underwriting process
- Next-morning funding available
- No long-term contracts on most solutions
- Complimentary payment terminals available for qualifying businesses
- Local and nationwide support
- Payment solutions customized to your business
Contact iSmart Payments at 801-205-1955 to learn more.
Payment Solutions Available
Every business has different payment needs. After your application is approved, we’ll help match you with the right payment technology for your business.
Credit Card Processing
Accept Visa, Mastercard, Discover, and American Express with secure EMV chip, contactless, and tap-to-pay transactions.
Dual Pricing Programs
Reduce or eliminate traditional credit card processing costs with compliant dual pricing solutions available for many business types.
ACH Pay-by-Bank
Offer customers the ability to pay directly from their checking account, often reducing payment processing costs on larger transactions.
Text-to-Pay
Send secure payment links by text message so customers can conveniently pay from their smartphone before pickup, delivery, or service completion.
Payment Links & Online Invoicing
Email or text professional invoices and secure payment links to customers anywhere in the United States.
Mobile Credit Card Processing
Accept payments on the road, at job sites, trade shows, customer locations, or wherever your business takes you.
Point-of-Sale (POS) Systems
Complete POS systems are available for retail stores, restaurants, automotive businesses, salons, pet groomers, self-storage facilities, healthcare providers, contractors, and many other industries.
Who We Help
Our merchant account solutions support businesses including:
- Retail Stores
- Restaurants
- Auto Repair Shops
- Mobile Mechanics
- Contractors
- Healthcare Providers
- Dental Offices
- Salons & Spas
- Pet Groomers
- Self Storage Facilities
- Professional Services
- Nonprofits
- New Businesses
- Growing Businesses
If your business accepts payments, we can help you find a solution designed around your needs.
Secure Online Merchant Account Application With Dejavoo Payment Terminals
iSmart Payments offers Dejavoo smart terminals with tap-to-pay technology, dual pricing programs, and next morning funding designed to help businesses modernize checkout.
Whether you need a wireless mobile terminal, countertop payment solution, or customer-facing smart POS system, Dejavoo terminals provide fast, secure, and professional payment experiences customers expect today.
Contact iSmart Payments at 801-205-1955 to learn more.
Payment Processing Merchant Accounts Video
Ready to Apply Now and Get Started?
To apply online for your merchant account takes just a few minutes. Once approved, you’ll have access to secure payment processing, modern payment technology, and experienced support from the iSmart Payments team.
Whether you need a simple countertop terminal, mobile payment solution, advanced POS system, Text-to-Pay, ACH payments, or a complete business payment platform, we’re here to help you choose the right solution.
Apply today and start accepting payments with confidence.
Contact iSmart Payments at 801-205-1955 to learn more.
New Merchant App FAQs
How long does it take to apply for a merchant account?
Most businesses can complete the online merchant account application in just a few minutes. After your application is submitted, our underwriting team reviews the information and works to process approvals as quickly as possible. We’ll keep you informed throughout the process and guide you every step of the way.
What information do I need to apply online?
Most applications require basic business information, a valid government-issued ID, bank account details for deposits, and an estimate of your monthly processing volume. Depending on your business type, additional documentation may be requested during underwriting.
Can I apply for a merchant account if I’m starting a new business?
Yes. We work with many new businesses and startups that are ready to begin accepting credit card and ACH payments. Even if you’re just opening your doors, we’ll help you explore payment solutions designed to fit your business model and expected processing needs.
How will I know if my application has been approved?
Once your application has been reviewed, we’ll contact you with your approval status and explain the next steps. If additional information is needed, our team will reach out promptly so your application can continue moving through the approval process.
What payment methods can I accept after my account is approved?
Once your merchant account is active, you can accept major credit cards, debit cards, contactless payments, Apple Pay, Google Pay, ACH payments, payment links, Text-to-Pay, and more, depending on the payment solution you choose.
Can I switch from my current payment processor?
Absolutely. Many businesses switch to iSmart Payments to improve service, gain access to newer payment technology, or explore options like dual pricing, ACH payments, and Text-to-Pay. We’ll help make the transition as smooth as possible while minimizing disruptions to your business.
Is the online merchant account application secure?
Yes. Protecting your business information is a top priority. Your application is submitted through a secure process designed to help safeguard sensitive business and banking information while it is being reviewed for approval.
Do I need to purchase payment equipment before applying?
No. There’s no need to purchase equipment before your application is approved. After learning more about your business, we’ll recommend payment terminals, mobile payment devices, POS systems, or software that best fits your payment processing needs.
What types of businesses can apply for a merchant account?
We work with a wide variety of businesses, including retail stores, restaurants, contractors, healthcare providers, auto repair shops, self-storage facilities, salons, pet groomers, professional service companies, and many other industries throughout the United States.
Can I accept payments online, in person, and on the go?
Yes. Depending on the solution you choose, your merchant account can support in-store payments, mobile credit card processing, online payments, payment links, Text-to-Pay, recurring billing, and ACH transactions, giving you flexibility to accept payments wherever your customers are.
Will someone help me choose the right payment solution?
Absolutely. Every business processes payments differently. After your application is received, we’ll take time to understand your business and recommend payment technology that aligns with your goals, industry, and preferred way of accepting customer payments.
Why choose iSmart Payments for merchant services?
Since 2009, iSmart Payments has helped businesses evaluate payment processing solutions based on their unique needs rather than offering a one-size-fits-all approach. Our goal is to provide reliable payment technology, responsive support, and flexible solutions that help businesses accept payments with confidence.
