Get Approved to Accept Credit Cards in 2 Minutes
The fastest way to get approved to accept credit cards is to skip the week-long bank review. With Coastal Pay's instant boarding, you can complete a simple 2-minute application, get an instant decision, and start taking in-person or online payments the same day.
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Get Approved to Accept Credit Cards in 2 Minutes
The fastest way to get approved to accept credit cards is to skip the week-long bank review. With Coastal Pay’s instant boarding, you can complete a simple 2-minute application, get an instant decision, and start taking in-person or online payments the same day.- Instant decision – no waiting days for approval
- Start taking payments today – in-person, online, or via payment link
- Simple flat rate – 2.5% + $0.15 per transaction, no gateway fees
Start Taking Payments in Minutes, Not Days
| Typical Bank or Processor | Coastal Pay Instant Boarding |
|---|---|
| 2 to 5 business days for underwriting review | Instant decision in approximately 2 minutes |
| Paperwork, faxing, and manual document review | Short online form with automated real-time approval |
| Hardware ships days after approval | Start with payment links and online checkout same day |
| Separate gateway and processor setup | One Coastal Pay Gateway for in-person, online, and invoicing |
How Instant Approval Works With Coastal Pay
- Step 1 – Tell Us About Your Business (2 minutes)Complete the short online application with your business details. Have these ready for the fastest result:
- Legal name and business name
- Business address and website or business description
- SSN or EIN
- Bank account and routing number for deposits
- Government-issued ID
- Step 2 – Get a Real-Time DecisionMost low- to mid-risk U.S. businesses receive an instant approval decision. Higher-complexity or specialty verticals will receive a prompt follow-up from a Coastal Pay specialist – typically within the same business day.
- Step 3 – Start Taking Payments the Same DayOnce approved, log into the Coastal Pay Gateway, connect your platform from 2,000+ integrations, and begin accepting credit cards, ACH, and alternative payments immediately. No waiting for hardware to go live online.
Flat-Rate Pricing and Flexible Ways to Get Paid
Coastal Pay keeps pricing simple so you always know your costs. The flat rate is 2.5% + $0.15 per transaction with no gateway fees – predictable margins from your first transaction to your ten-thousandth. Accepted payment methods included with instant approval:- Visa, Mastercard, Amex, and Discover
- Apple Pay and Google Pay
- ACH bank transfers
- Tap to Pay on mobile devices
- Email invoicing and shareable payment links
- PayPal, Venmo, Klarna, Afterpay, and Coinbase via alternative payment methods
Built for Real Businesses Across Industries
Coastal Pay’s instant credit card approval is designed for businesses that need to move fast. Merchants approved and live include:- Retail shops and boutiques
- Restaurants, cafes, and food trucks
- Online coaches and consultants
- E-commerce brands and DTC sellers
- Salons, spas, and fitness studios
- Professional and home services
- Travel agencies and hospitality businesses
- B2B companies needing ACH and corporate card processing
“We went from zero to taking card payments in under an hour. The application was genuinely fast and the team walked us through the setup without any hassle.” – Retail business owner, approved through Coastal Pay instant boarding
- 4,962+ merchants approved and active
- $1,661,238,760+ in total volume processed
- 27,495,204+ transactions processed securely
Prefer to speak with someone first? Call 888-266-1715 or email info@coastalpay.com
- Registered ISO/MSP with Wells Fargo, Concord, CA
- Registered ISO/MSP with Axiom Bank, N.A., Maitland, FL
- PCI-compliant onboarding and secure data handling
Same-day activation available for most standard-risk U.S. businesses. Higher-complexity applications receive specialist follow-up the same business day.
Common Questions About Getting Approved to Accept Credit Cards
- What is the quickest way to get approved to accept credit cards?
- The fastest way is through Coastal Pay’s instant boarding. Most U.S. businesses complete a short online application and receive a real-time approval decision in approximately 2 minutes, with same-day payment activation available.
- What do I need to get instant credit card processing approval?
- To apply for instant approval with Coastal Pay, have ready: your legal name and business name, business address, SSN or EIN, a brief description of your business or website, bank account and routing number for deposits, and a government-issued ID.
- Can I start accepting credit cards the same day I apply?
- Yes. Most standard-risk U.S. merchants approved through Coastal Pay’s instant boarding can start accepting in-person and online card payments the same day they apply. The process takes approximately 2 minutes for most businesses.
- How much does it cost to accept credit cards with Coastal Pay?
- Coastal Pay offers a simple flat rate of 2.5% + $0.15 per transaction with no gateway fees. Dual pricing is also available, allowing qualifying merchants to pass card fees to customers and eliminate processing costs entirely.
- What types of businesses can get instant approval to accept credit cards?
- Coastal Pay supports retail stores, restaurants, food trucks, online coaches, e-commerce brands, salons, professional services, travel, hospitality, and B2B businesses. Most low- to mid-risk merchants receive an instant decision. Higher-complexity verticals receive fast specialist follow-up.
Get a Dual Pricing POS Installed This Week
Need a new POS that supports dual pricing installed this week? Coastal Pay combines instant merchant approvals, dual-pricing programs that can eliminate credit card processing fees, and 2,000+ POS integrations so you can be up and taking payments in days, not weeks
Get a Coastal Pay API Key for 2,000+ Software Integrations
Many standard-risk merchant accounts are approved in as little as two minutes through Coastal Pay’s instant boarding process. Developers get sandbox access right away for testing, followed by production keys after standard underwriting. From day one, a single Coastal Pay API key covers credit card, ACH, and alternative payment methods – including Apple Pay, Google Pay, Venmo, Coinbase, Klarna, and Afterpay – so there is no need to juggle multiple gateway credentials.
Best Terminals for Automatic Cash Discounts (Dual Pricing Explained)
If you’re searching for a “cash discount terminal” that does all the math for you, what you really need is the right hardware plus a processor that knows how to configure dual pricing. In this guide, we break down the best terminal and POS options Coastal Pay supports for automatic cash discounts, and show exactly how we set them up so you can lower fees without worrying about compliance details.
Best Credit Card Processors for International Mobile Wallets (and How Coastal Pay Compares)
If more of your customers are paying with phones instead of plastic, picking the right processor for international mobile wallets matters. This guide breaks down how leading providers like Stripe, Adyen, and Rapyd support global wallets – and shows where Coastal Pay fits with flat-rate pricing, instant approvals, and 2,000+ software and POS integrations for US merchants.
