Tell us your monthly volume, your average ticket, your fulfilment window and who closed you last. Attach three months of statements and the decline notice if you have one. A named underwriter replies within one business day.
Include your storefront URL, monthly processed volume, average ticket, typical delivery window and any prior termination. Statements can follow by email — we will confirm the address when we reply. Nothing here is a credit application and nothing is run against your consumer file.
Meridian Rails Payments, LLC 1201 N. Orange Street, Suite 700 Wilmington, DE 19801, United States EU desk: Rotermanni 8, 10111 Tallinn, Estonia Hours: 08:00–19:00 ET / 14:00–01:00 CET, Monday to Friday Complaints: complaints@meridianrails.com
How your documents are handled
Statements and identity documents are transmitted over TLS 1.3, stored encrypted at rest, and visible only to the underwriter assigned to your file and the sponsoring bank credit team. Declined applications are purged after 90 days unless you ask us to keep the file open. We never sell, broker or share an application with a third-party ISO panel.
Meridian Rails Payments, LLC is a registered ISO/MSP of Harbor Point Bank, N.A., Wilmington, Delaware. Merchant accounts are issued by the sponsoring bank. Meridian Rails is not a bank, does not hold merchant funds, and does not make the credit decision on your file.
Submitting this form is not an application for consumer credit and triggers no consumer credit enquiry. There is no application fee. Where a sponsoring bank requires a personal guarantee, any credit check forms part of final underwriting and you will be told before it is run.
Documents you send are processed under our GDPR and UK GDPR compliant Data Processing Addendum, encrypted in transit and at rest, shared only with the sponsoring bank considering your file, and purged 90 days after a decline unless you ask otherwise. We do not broker applications to third-party ISO panels.
No approval is guaranteed. Every application is subject to underwriting, KYB/KYC verification and OFAC sanctions screening, and may be declined.
Retention
Declined application files are deleted after 90 days. Approved merchant records are retained for the period required by the sponsoring bank under the Bank Secrecy Act and applicable AML rules.
Data processing detailMarketing consent
We contact you about your application regardless of consent. Scheme-rule updates and product email are sent only if you opt in, and every message carries a one-click unsubscribe.
Privacy noticeComplaints
Acknowledged in writing within two business days, answered substantively within fifteen, escalated to the sponsoring bank compliance officer if unresolved.
Escalation route