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Sign Up Questions

ProPay is designed for small businesses and individuals to easily sign up for a merchant account to use for credit card processing.

  1. What are the requirements for joining ProPay?
  2. I am not located in the United States. Can I still get a ProPay Account?
  3. May I have more than one ProPay Account in my household?
  4. Why are ProPay's requirements for joining so strict?
  5. Why am I required to send you my Social Security number as part of the signup process?
  6. Why was a ProPay Account not set up after I signed up?
  7. When I try to sign up for an account it gives me a Duplicate Account error.
  8. May I sign up for a ProPay Account using my business name and tax ID number instead of my own personal information?
  9. Is it possible for my account to become inactive?

1. What are the requirements for joining ProPay?

To join ProPay you must, at a minimum:

  • Be at least 18 years of age.
  • Provide your Social Security number.
  • Provide a valid physical address in the United States.
  • Not be listed on the Visa®/MasterCard® Merchant Terminated File.
  • Provide your real name, phone number, and other basic contact information.
  • Have a checking account established within the United States that can accept incoming ACH (electronic check) transactions.
  • Have access to the Internet with a compatible web browser and printer.
  • Read and accept the terms provided in the Payment Services Agreement.
  • Not be listed on the U.S. Treasury Office of Foreign Asset Control's (OFAC) Specially Designated Nationals List.

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2. I am not located in the United States. Can I still get a ProPay Account?

Because of the security requirements that ProPay has, all applicants must have a valid Social Security number, a physical address within the United States, and a checking account established within the United States.

Therefore, ProPay is currently unavailable outside the United States.

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3. May I have more than one ProPay Account in my household?

Yes, each person may have his or her own ProPay Account. However, only one ProPay Account will be issued per individual.

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4. Why are ProPay's requirements for joining so strict?

Because ProPay is allowing individuals to process credit cards, we must be very cautious about to whom we give this ability.

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5. Why am I required to send you my Social Security number as part of the signup process?

We can understand your hesitation regarding sending us your Social Security number. Like banks or other financial institutions, ProPay requires your Social Security number to verify your identity.

We also run a cursory check against your Social Security number, along with your address and other personal information, to make sure you meet our signup requirements (see requirements above).

Please refer to our privacy policy to see how your confidential information is used.

We use your Social Security number for verification purposes only. We do not send it to third parties, and the sign-up form is completely secure.

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6. Why was a ProPay Account not set up after I signed up?

There are many possible reasons for our inability to set up a ProPay Account, but it is usually due to a combination of one or more of the following reasons:

  • A mistyped Social Security number or date of birth
  • A past bankruptcy or terminated merchant status
  • A mistyped first or last name

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7. When I try to sign up for an account it gives me a Duplicate Account error.

A Duplicate Account error usually means you have signed up before and forgotten about it.

This message may also occur when we are unable to set up an account for you and you try to sign up a second time.

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8. May I sign up for a ProPay Account using my business name and tax ID number instead of my own personal information?

While many ProPay Account holders use their accounts for their small businesses (which is fine) we still require that accounts be set up using personal information, not EIN or DBA information. Our service agreement is designed for an individual to accept personal responsibility for all account activity.

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9. It is possible for my account to become inactive?

Yes. Generally, an account will be deemed inactive after 1 year of inactivity or after failure to pay fees.

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