Frequently Asked Questions

merchants

Getting started with IoniaPay

Owner Documents:

  • Valid ID (passport, driver’s license, or state-issued ID)

Company Documents:

  • DBA name documentation (if applicable)

  • EIN documents

  • Completed and signed Certification of Beneficial Owners form

  • 3 months of prior processing history/statements

  • 3 most recent bank statements

  • Voided check

  • Certificate of Good Standing (required for merchants in DE, WV, or NJ)

Visit the Ionia website at https://merchant.ionia.app/ and locate the “Apply” button in the top right corner:

  1. Start the Application: Enter your information to create your account.

  2. Provide Required Information. The application will ask for the following:

  • Business details (name, address, tax ID, industry type)

  • Contact information for the primary business owner or authorized representative

  • Details about your processing needs (estimated transaction volume, types of payments accepted)

  • Bank account information for receiving funds

  1. Supporting Documentation. You may be asked to upload:

  • Government-issued ID for the business owner

  • Business license or registration documents

  • Bank statements

  • Certificate of Good Standing (for merchants in DE, WV, or NJ)

  1. Submit Your Application: Once you've completed the form and provided necessary documents, carefully review your information before submitting application.

Review: The Ionia team will thoroughly review your application and supporting materials.
Decision: You'll typically receive an underwriting decision within 24-48 business hours. If needed, Ionia may contact you for additional information.
Approval and Onboarding: If approved, you will receive more information guiding you through the onboarding process and setting up your merchant account.

We will notify you by email at every stage of the application review, including when a final decision is made.

You can also check your status anytime by logging into the merchant onboarding portal, or reach out to your sales agent for direct support.

How long does the application process take?

The process can often be completed within a few business days. However, if extra verification is required, it may take a little longer.

Further questions? Please don't hesitate to contact IoniaPay Support by emailing us at support@ionia.io.