How to Apply for a Lock Trust Merchant Account

To start accepting payments through Lock Trust — whether by card, ACH, or digital wallets — you’ll need a verified merchant account. This account securely connects your business to the payment network and enables you to receive funds through our gateway.

📝 Step-by-Step: How to Apply for a Merchant Account

1.There are two easy ways to apply:

1. ✅ If you're already an LT E-wallet user (business account):
   Simply log in and click “Apply for Merchant” from your dashboard.
    
2. 🌐 If you're not yet an LT user:
   Visit apply.locktrust.com to begin.
    

Note:
apply.locktrust.com works on Lock Trust AI. Each section contains relevant questions necessary to understand and verify the merchant's information. The system intelligently adapts to the information provided in prior questions, ensuring that only relevant fields are displayed based on responses. It instantly adjusts based on context and assists merchants in getting approved by showing only the fields tailored to their business profile.

2. Submit Your Business Details
You'll need to provide the following:

• Legal business name and address
• Ownership information and who is primarily responsible for the business
• Business type (LLC, sole proprietor, etc.)
• Tax Identification Number (TIN or SSN)
• Industry and estimated processing volume
• Business bank account information
   

3. Upload Required Documents
Common documentation includes:

• Business license or incorporation documents
• Valid government-issued ID (for business owner or signer)
• Proof of business address (utility bill, lease, etc.)
• Bank letter or voided check
• Website or business profile link and proof of domain ownership

4. Review & Submit
Double-check your entries, make sure all uploads are complete, then hit Submit.

You’ll receive email confirmation and status updates directly in your inbox or dashboard. Our compliance team will evaluate your application — typically within 1–3 business days.

4. Approval & Activation
Once approved, your merchant account will be activated and you'll be able to accept payments immediately through your dashboard or connected POS devices.

⚠️ Important Notes:

• Higher-risk industries (e.g., crypto, adult, firearms) may require additional documentation or underwriting.
• Processing limits may be placed during your initial review period.
• If your application is flagged or declined, contact our team for assistance through [Live Chat] or by submitting a support ticket.