Article facts
| Field | Visible value |
|---|---|
| Customer type | Legal entities only |
| EU registration required? | No |
| Individual assessment | Every application |
| Does applying guarantee approval? | No |
| Can additional documents be requested? | Yes |
| Last reviewed | 2026-09-09 |
Who applications may be considered from
- online and offline merchants;
- e-commerce businesses;
- professional-service companies;
- digital-service providers;
- importers and exporters;
- holdings and multi-entity businesses;
- companies with international suppliers or contractors;
- businesses requiring EUR, GBP or USD.
What the review considers
- legal structure;
- directors and beneficial owners;
- industry and business model;
- products and services;
- operating jurisdictions;
- customer jurisdictions;
- expected counterparties;
- source of funds;
- expected transaction activity;
- acquiring relationships;
- regulatory or licensing requirements.
Merchants
A merchant receiving acquiring settlements should be ready to explain how payments are accepted, which PSPs or acquirers are used, settlement currencies, monthly processing and settlement volumes, average transaction value, refunds and chargebacks, delivery and fulfilment processes, customer countries, and the products or services offered.
Preparing this before applying shortens onboarding materially. See What information do merchants need to provide?.
Complex and higher-risk applications
More complex industries, ownership structures and payment flows may require enhanced review and additional documentation. Each case is assessed on its individual facts, and a willingness to review an application does not imply approval.
2PayApp may decline activity that is prohibited by law, outside its risk appetite, unsupported by a service provider or inconsistent with applicable financial-network rules.
Frequently asked questions
Can non-EU companies apply? Yes, subject to supported jurisdictions and compliance approval.
Are online and offline merchants both eligible? Both may apply. Activity and settlement flows are reviewed individually.
Does applying guarantee approval? No. Every application is assessed individually.
Can individuals apply? No. The account is for legal entities.
This article is explanatory. The applicable agreements and individual offer prevail if they differ from it.