How does the GHPS merchant application work?
The process starts with a short qualifier, continues into a full merchant application when there is a potential fit, and is then reviewed by a GHPS merchant specialist.
Process · Reviewed by people
What happens after you apply.
GHPS uses a transparent three-step process. Every application is reviewed by an experienced merchant specialist with a name, a number, and authority to advance your file.
At a glanceA specialist payment partner for regulated and high-scrutiny industries.
- in high-risk categories
- 15+ yrs
- application response target
- 24–48 hrs
- primary verticals
- Cannabis · CBD · Vape
The process
Three steps. Defined timelines.
- 01
Submit your business details
Begin with a short qualifier (business type, state, monthly volume). If we can support your category, you'll continue into the full application — business info, contacts, processing history, and supporting documents.
5–15 min - 02
Merchant review & compliance check
An experienced merchant specialist reviews your file. We complete AML/KYC, beneficial-owner verification, sanctions screening, and category-specific risk review.
Typically 24–48 hours for initial response - 03
Follow-up & onboarding
Approved merchants are onboarded with the program that supports your category, given a dedicated account contact, and walked through equipment, gateway, or virtual terminal setup.
Typically a few business days post-approval
Pre-application checklist
What to have ready.
Having these documents nearby makes the full application take ~10 minutes. Missing one isn't a blocker — your reviewer will flag what's needed.
- Government-issued ID for each beneficial owner (25%+)
- Business license / state operating permits
- EIN documentation and articles of organization
- Voided check or bank letter for the settlement account
- 3 most recent processing statements (if currently processing)
- Three most recent business bank statements
Application answers
How merchant onboarding works at GHPS.
What does GHPS review during onboarding?
GHPS reviews business details, ownership information, processing history, licensing or operating documents, AML/KYC needs, and category-specific risk factors.
How quickly does GHPS respond after an application?
GHPS typically follows up within 24–48 hours after a submitted application, though timing can vary based on file completeness and partner requirements.
Ready to start?
No credit pull. No SSN at this stage. Just enough to determine if your category and state are supported.