North Merchant Processing Application, together with the North Confirmation Page, is the second most common application form submitted by the sales representatives. These two forms are required to submit an account to Fiserv. This article is created to assist you (Onboarding Associate) should a prefilled application is needed to be sent to the merchant for signing.
Note: Make sure you have the updated version of the application. As of writing this article, v2611 is the latest to have been released.
NORTH MERCHANT PROCESSING APPLICATION
PAGE 1: TELL US ABOUT YOUR BUSINESS
| Client's Business Name | Referred to as “Doing Business As”. This is the name of the business that is visible to the customers (storefront, window, and/or door signages). |
| Business Address | Referred to as the "Location Address”. This is where the physical store of the business is situated. |
| City | Business city. |
| State | Business state. |
| Zip | Business zip. |
| Location Phone Number | Referred to as the “Business Phone”. This is commonly the phone number associated with the business. |
| Location Fax Number | Leave blank, unless otherwise, specified. |
| Business E-mail Address | Commonly the owner’s email address. This is where they will receive email notifications from Turnkey, the Platform they are boarded on, Clover updates, etc. |
| Business Website Address |
Leave blank, unless otherwise, specified. *E-Commerce account and needs integration with website, this is required. |
| Send Retrieval Requests / Fax Type | Default is business address, unless otherwise, the merchant requests to send requests to their Fax number. |
| Client's Corp/Legal Name | Referred to as the “IRS Name”. This is the name they file their taxes under, which can be completely different from the DBA. To verify, an EIN Letter may be requested or you can search it up to the Secretary of State. |
| Billing Address | If the merchant has a different billing address than their location address, specify. Otherwise, disregard. This might be their legal address. |
| City | If the merchant has a different billing address than their location address, specify. Otherwise, disregard. This might be their legal city. |
| State | If the merchant has a different billing address than their location address, specify. Otherwise, disregard. This might be their legal state. |
| Zip |
If the merchant has a different billing address than their location address, specify. Otherwise, disregard. This might be their legal zip. |
| Contact Name | Usually the owner's name, unless otherwise, specified. |
| Contact Phone Number | Contact name's personal phone number. |
| Fax Number | Leave blank, unless otherwise, specified. |
| Contact E-mail Address | Leave blank, unless otherwise, specified. |
| SIC/MCC | Refer to the type of business and locate the MCC using the MCC List Combined. |
PAGE 1: MC / VISA / DISCOVER NETWORK FULL SERVICE - PAYPAL / AMERICAN EXPRESS OPTBLUE
| Your Total Annual Cash & Credit Sales (All Outlets) | Rough estimate of their annual credit card volume plus cash sales. |
| Your Total Annual Cash & Credit Sales (This Outlet) | Rough estimate of their annual credit card volume plus cash sales. |
| Total Annual MC/Visa Volume | If not specified, calculate 70% of the annual credit card volume's rough estimate. Exclude cash sales. |
| Total Annual Discover Network - PayPal Volume | If not specified, calculate 10% of the annual credit card volume's rough estimate. Exclude cash sales. |
| Total Annual American Express OptBlue Volume | If not specified, calculate 20% of the annual credit card volume's rough estimate. Exclude cash sales. |
| Highest Ticket Amount |
Rough estimate of their highest ticket. If this is too high, merchant can get flagged and statements may be requested. If this is too low, transactions can be pulled and held by risk for review and the merchant may need to provide documentation. |
| Estimated MC/Visa Average Ticket/Sale Amount | Rough estimate of their average credit card ticket. |
| Estimated Discover - PayPal Average Ticket | Rough estimate of their average credit card ticket. |
| Estimated American Express OptBlue Average Ticket | Rough estimate of their average credit card ticket. |
| Disregard average ticket sections indicating "for multiple outlets". | |
PAGE 1: ENTITLEMENTS
The only item you may want to confirm on this is the acceptance of EBT entitlement. Make sure to check off the box and indicate the FNS Number.
PAGE 1: PROVIDE MORE BUSINESS DATA
| State Incorporated | Legal state. |
| Month/Year Started | Referred to as the “Open Date”. This can be cross-checked via the Secretary of State website. |
| Legal Entity |
Individual/Sole Proprietorship - legal name and owner's name are the same. Tax Exempt Organization - a 501C letter is required. Corporation - Corp, Corporation, Inc, Incorporated, Comp, Company. Limited Liability Company - PLLC, LLC. |
| TIN/EIN/SSN | Check off the box that applies. |
| Name (Legal Name) | Referred to as the “IRS Name”. This is the name they file their taxes under, which can be completely different from the DBA. To verify, an EIN Letter may be requested or you can search it up to the Secretary of State. |
| Federal Tax ID | Referred to as the “Employer Identification Number”. Each legal entity has a unique nine-digit identification number that they are also filing the taxes under. This can be verified via their EIN letter. For Sole Proprietorship, their EIN and SSN are the same. |
| Foreign Entity Certification | Disregard this section. |
| Where sales are transacted | Default Set-up, unless otherwise, specified. Mag Swipe - 90% Keyed Manually - 10% |
| Product/Services You Sell | Based on what the business is selling, this can be classified accordingly. A quick google search will be able to assist on what type of business the account is. This is to help us identify what Merchant Category Code (MCC) to use for boarding. |
| Where sales are transacted |
Typically 90% store front and 10% telephone order, unless otherwise, specified for MOTO accounts. Smoke or tobacco shops are always 100% store front. |
Don't forget to check the Merchant Initial on the lower right portion of the page.
PAGE 2: DESCRIBE EQUIPMENT DETAILS
This section can be disregarded. Don't forget to fill out the DBA Name on the upper left portion of the page and check the Merchant Initial on the lower right portion of the page.
PAGE 2: OWNER INFORMATION
| CONTROLLING INDIVIDUAL & OWNER 1 - These sections are expected to have the same information. | |
| Name | Signer’s full name. The signer should have at least 25% ownership percentage. |
| Title | Signer’s designation in the business. This is commonly the owner, but can sometimes be the manager. |
| Ownership % | Signer’s ownership percentage. |
| Date of Birth | Signer’s date of birth matching his/her legal documentation. |
| Social Security Number | Referred to as the “Social Security Number”. This is a nine-digit number issued to U.S. citizens, permanent residents, and temporary residents. Signers with SSN starting with a 9 are referred to as an ITIN merchant, which requires additional information. |
| Home Address | Signer’s home address matching his/her Driver’s License or any legal documentation. Should be within the United States. |
| Home Phone | Personal phone number of the signer. This can be the same with the business phone, but advisable to be different. |
| City | Signer's home city. |
| State | Signer's home state. |
| Zip | Signer's home zip. |
| Country | Unnecessary. |
If there are other owners, fill out their information under Owner 2, 3, and 4.
PAGE 3: FLAT RATE / IC PLUS / TIER PRICING SCHEDULE
Don't forget to fill out the DBA Name on the upper left portion of the page and check the Merchant Initial on the lower right portion of the page.
For this section, fill out the form based on pricing information:
Under Billed Monthly Fees, take note of the following:
| ACH Reject Fee | $55.00, regardless if indicated or not by the sales rep or merchant. |
| Minimum Processing Fee | Set to $0. |
| Monthly Service Fee | If a monthly fee is indicated, input accordingly. |
If the merchant is under Interchange Plus Pricing, fill out Authorization and AVS Fees.
- MC Auth Fee
- Visa Auth Fee
- Discover Auth Fee
- American Express Auth Fee
PAGE 4: FLAT RATE / IC PLUS / TIER PRICING SCHEDULE
Don't forget to fill out the DBA Name on the upper left portion of the page and check the Merchant Initial on the lower right portion of the page.
| Incoming Chargebacks All (ZZ9) | $15.00, regardless if indicated or not by the sales rep or merchant. |
| Retrieval All (285) | $15.00, regardless if indicated or not by the sales rep or merchant. |
PAGE 5: FLAT RATE / IC PLUS / TIER PRICING SCHEDULE
Don't forget to fill out the DBA Name on the upper left portion of the page and check the Merchant Initial on the lower right portion of the page.
PAGE 6: FLAT RATE / IC PLUS / TIER PRICING SCHEDULE
Don't forget to fill out the DBA Name on the upper left portion of the page and check the Merchant Initial on the lower right portion of the page.
For this section, fill out the form based on pricing:
If the merchant is under Flat Rate or Cash Discount Pricing, fill out Flat Rate items. Only fill out "Discount Fee", disregard Transaction Fee.
- MC Qual Credit
- MC Qual Non-Pin Debit
- Visa Qual Credit
- Visa Qual Non-Pin Debit
- American Express Qual OptBlue Credit
- Discover Network Qual Credit
- Discover Network Qual Non-Pin Debit
- PayPal Qualified Credit
If the merchant is under Interchange Plus Pricing, fill out Pass Through Interchange items.
- MC Qual Credit
- MC Qual Non-Pin Debit
- Visa Qual Credit
- Visa Qual Non-Pin Debit
- Discover Network Qual Credit
- Discover Network Qual Non-Pin Debit
- American Express OptBlue Qual Credit
NOTE: For IC+ Accounts, if they are getting a Clover Duo or terminal+pinpad, we will need to enable PIN debit by default. Check the MPA for pricing, if nothing is selected for PIN debit, we will match the credit pricing.
If the merchant is going to accept Pin Debit, input the following:
| Debit Sales Discount | Discount Rate |
| Debit Card Authorization Fee | Auth Fee |
| Pin Debit Declined Fee | Auth Fee |
| ATM Card Transaction Fee | Auth Fee |
| Debit Gateway Switch Fee | $0.01 (Constant) |
PAGE 7: AGREEMENT APPROVAL
| CLIENT'S AUTHORIZED SIGNER | |
| Signature | Owner/Authorized Signer's signature. |
| Print Name of Signer |
Owner/Authorized Signer's full name. |
| Title | Owner/Authorized Signer's official designation. |
| Date | Date the document is signed. |
| PERSONAL GUARANTEE | |
| Signature | Not necessarily the owner, but defaulted to be the owner/authorized signer. |
PAGE 8: BANKING INFORMATION
Don't forget to fill out the DBA Name on the upper left portion of the page.
| First/Last Contact Name at Bank | Name of bank on the bank documentation. |
| ABA # | 9-Digit Number, to verify, search in via google search to verify bank name. |
| DDA | Account number. |
PAGE 8: CLIENT VISITATION
This section is filled out by the sales rep. If not filled out, follow the default set-up once application is submitted.
PAGE 9: PROCESSING INFORMATION
This section is filled out by the sales rep. If not filled out, follow the default set-up once application is submitted. Don't forget to fill out the DBA Name on the upper left portion of the page.
NORTH CONFIRMATION PAGE - commonly referred as the "Confirmation Page"
| Print Client's Business Legal Name | Referred to as the “IRS Name”. This is the name they file their taxes under, which can be completely different from the DBA. To verify, an EIN Letter may be requested or you can search it up to the Secretary of State. |
| Signature | Owner/Authorized Signer's signature. |
| Title | Owner/Authorized Signer's official designation. |
| Date |
Date the document is signed. |
| Print Name of Signer |
Owner/Authorized Signer's full name. |