Get Approved and Start Taking Payments in 2 Minutes
Looking for a payment processor that offers instant boarding in 2 minutes? Coastal Pay's SignUp Link lets most businesses complete a simple online application, get approved, and start taking payments in about two minutes. No long forms, no days-long waiting period.
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Instant Boarding Built for Growing Businesses
SignUp Link is Coastal Pay’s instant merchant boarding platform for U.S. businesses. Most merchants complete the application in under 2 minutes and receive a full merchant account approval in near real time through Coastal Pay’s direct-to-underwriting automation.
Once approved, you can immediately generate payment links, connect to your POS or e-commerce platform, or accept your first card or ACH transaction through the Coastal Pay Gateway.
The 3-Step Timeline
Step 1: Apply – approximately 1 minute (3 to 5 fields on the first step, full application 60 to 90 seconds total)
Step 2: Approve – under 1 minute (automated KYC, identity, bank, and risk scoring)
Step 3: Start Taking Payments – same day (gateway access, payment links, and integrations active immediately)
Why 2-Minute Approval Beats Waiting 24 to 72 Hours
Traditional merchant accounts typically take 24 to 72 hours for review and activation. For new and seasonal businesses, that wait means lost sales, frustrated customers, and delayed time-to-revenue. Instant boarding eliminates the gap between deciding to take payments and actually taking them.
| Step | Coastal Pay SignUp Link | Traditional Processors |
|---|---|---|
| Application time | ~2 minutes | 30 to 60 minutes of forms |
| Underwriting decision | Near real time | 24 to 72 hours |
| Account activation | Same day | 2 to 5 business days |
| First transaction possible | Within minutes | 3 to 7 business days |
Fewer lost sales. Faster time-to-revenue. No surprise delays.
What You Get With Coastal Pay’s SignUp Link
Speed is just the start. Approved merchants get the full Coastal Pay platform from day one.
- Credit card and ACH acceptance within the Coastal Pay Gateway immediately after approval
- 2,000+ software integrations across POS, e-commerce, ERP, CRM, and vertical systems – plug into your existing tools without rebuilding
- Alternative payment methods bundled: Apple Pay, Google Pay, PayPal, Venmo, Klarna, Afterpay, Coinbase, all at the same standard rate
- Flat 2.5% + $0.15 per transaction with the Coastal Pay Gateway included at $0/month – no separate gateway fee, no setup cost
- Email invoicing, payment links, and virtual terminal ready to use the moment you log in
- True merchant account backed by Wells Fargo and Axiom Bank, not a PayFac sub-account that can freeze on volume spikes
- U.S.-based phone support at 888-266-1715 with real specialists familiar with your account
How Fast Can I Start Taking Payments?
Most merchants are approved and onboarded in about 2 minutes. Processing is live the same day.
Funding follows the standard Coastal Pay schedule (1 to 2 business days for most low-risk merchants). Some industries or higher-risk categories may require extra review, typically completed within 1 business day, but most standard businesses are processing within minutes of submitting their application.
Start Your 2-Minute Application
No setup fees, no long forms, just fast approval and simple pricing.
Trusted by 4,962+ active U.S. merchants. $1.6B+ processed. 27M+ transactions. Brands served include Dodge, Chrysler, Ford, Jeep, Hampton Inn, Baymont Inn & Suites, T-Mobile, Pennzoil, Harley-Davidson, and Play It Again Sports.
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