Processing Volume Estimation Guidelines:

Accurate volume estimates help determine appropriate risk management settings and ensure your account can handle your business needs from day one. In the event that our Underwriting Team requires more information around your volume to asses your risk exposure, below is an outline of what we are looking for. 

01. Required Volume Information

Processing Estimates:

• Total Yearly Volume: Expected dollar amount per year
• Average Transaction Size: Typical transaction amount
• Highest Single Transaction: Maximum expected transaction amount
• Transaction Count: Average number of transactions per month
• Seasonal Variations: Holiday or seasonal increases

02. Transaction Type Breakdown

Payment Method Distribution:

• Card Present: In-person, swiped/inserted transactions
• Card Not Present: Online, phone, or mail orders
• ACH/Bank Transfers: Direct bank account debits
• Digital Wallets: Apple Pay, Google Pay, etc.
• Recurring Payments: Subscription or installment payments

03. Business Model Considerations

Factors Affecting Volume Estimates:

• New Business: Base estimates on market research and business plan
• Existing Business: Use historical data from previous processors
• Seasonal Business: Account for peak and off-peak periods
• Growth Plans: Factor in marketing campaigns and expansion plans

04. Volume Increase Management

Handling Volume Growth:

• Gradual Increases: Up to 50% increases typically approved automatically
• Significant Increases: Contact support before exceeding 100% of estimated volume
• Seasonal Spikes: Notify account manager of expected holiday volume
• Marketing Campaigns: Alert support before major promotional activities

⚠️ Important: Significantly exceeding volume estimates without prior approval may trigger account holds or additional underwriting requirements.