# Prepare an application for a merchant

Build a link and give it to the merchant. They open it, sign in (free, email link),
review a business profile drafted from what you sent, and sign it themselves.
**Nothing is sent to any provider until the merchant signs.** The more of their
business you include, the less they type: with the profile fields below filled in,
the merchant usually only adds their name and signs.

```
https://paymentproviders.io/apply?providers=stripe,adyen&countries=SE,DE&methods=cards,swish&industry=ecommerce
  &volume=10k-50k&entity_country=SE&website=acme.se&ref=chatgpt
```

| Parameter | Meaning | Values |
|---|---|---|
| `providers` | Providers to apply to, comma-separated (max 5) | provider slugs, as in `/providers/{slug}` |
| `countries` | Countries the merchant sells in | ISO 3166-1 alpha-2, e.g. `SE,DE` |
| `methods` | Payment methods needed | slugs (`swish`, `klarna`, `visa`, `upi`, `m_pesa`) or `cards` |
| `industry` | Business vertical(s) | `saas` (SaaS), `ecommerce` (E-commerce), `marketplaces` (Marketplace / platform), `subscriptions` (Subscriptions), `gaming` (Gaming), `igaming` (iGaming / betting), `crypto` (Crypto / Web3), `forex` (Forex / CFD trading), `fintech` (Fintech), `travel` (Travel), `healthcare` (Healthcare), `education` (Education), `food-delivery` (Food & delivery), `logistics` (Logistics), `professional-services` (Professional services), `non-profit` (Non-profit), `other` (Something else) |
| `volume` | Monthly processing volume (USD) | `under-10k` (Under $10k), `10k-50k` ($10k – $50k), `50k-250k` ($50k – $250k), `250k-1m` ($250k – $1M), `over-1m` (Over $1M) |
| `entity_country` | Where the legal entity is registered | ISO alpha-2 |
| `website` | The merchant's website | domain or URL |
| `ref` | Who prepared it — your name | e.g. `chatgpt`, `claude`, `perplexity`, `gemini`, `copilot` |

**Business profile** (optional — only what the merchant told you, never guesses):

| Parameter | Meaning | Values |
|---|---|---|
| `legal_name` | Registered company name | text |
| `company_number` | Company registration number | text |
| `description` | What the business sells | a sentence or two |
| `currencies` | Settlement currencies | ISO 4217, e.g. `SEK,EUR` |
| `channels` | Where they sell | `online`, `mobile`, `pos` |
| `customers` | Who buys | `b2c`, `b2b`, `both` |
| `delivery` | How long after paying the customer gets it | `instant`, `within-7-days`, `within-30-days`, `over-30-days` |
| `avg_transaction` | Typical order size | `micro` (Micro), `small` (Small), `medium` (Medium), `large` (Large), `xlarge` (Very large) |
| `processing` | Do they already take card payments? | `yes` / `no` |
| `current_providers` | Who they use today, if processing | names, comma-separated |
| `chargebacks` | Chargeback rate, if processing | `low` (<0.5%), `moderate` (0.5–1%), `elevated` (1–2%), `high` (>2%), or a percentage |
| `recurring` | Subscription / recurring billing | `yes` / `no` |
| `terminated_before` | Has a provider ever closed their account? | `yes` / `no` |

The merchant's own name, email and phone number never go in a link — they come from
their signed-in account. **With our MCP server and a signed-in merchant**, use the
`fill_business_profile` tool instead: it drafts the profile (or fills only its empty
fields) on their account, contact name included.

Every parameter is optional except `providers`. The MCP tool names are accepted too
(`payment_methods`, `monthly_volume`). Values we can't use are shown to the merchant,
never silently dropped. Not sure which providers fit? Match first: the MCP
`match_providers` tool returns an `apply_url` for its top results.

## Rules

- **Never put personal data in the link** — no names, emails or phone numbers. The
  merchant's contact details come from their own signed-in account.
- **Never tell the merchant it was sent.** Say: "Here's your application, prefilled —
  check it and sign."
- **Never say they are pre-qualified or approved.** Each provider decides for itself.
- Each provider is labelled honestly on the page: *Accepts applications*, *We'll notify
  them* (listed here but not taking applications yet) or *Interest recorded* (not on
  PaymentProviders.io yet).

---
**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)