OPUL Onboarding FAQs

What is a sub-merchant?

How long does the sub-merchant application approval process take?

What happens to the documents we submit along with our sub-merchant application? 

What can we do if our sub-merchant application is not approved? 

How do I get status update on my sub-merchant application? 

What is a sub-merchant?

Sub-merchants are generally small-to-medium-sized businesses that have entered into an agreement with the payment facilitator for the acceptance of credit card payments.  OPUL is a registered payment facilitator and enables practices to process payments for their patients. Practices are referred to as sub-merchants in this context.

How long is the sub-merchant application review process?

Normal processing time for OPUL Underwriting review and final approval of a sub-merchant application is between 4-7 business days. 

What happens to the documents we submit along with our sub-merchant application? 

Once the sub-merchant application process is complete, documents are securely stored for five years after the account closure per industry and government regulations. 

What can we do if our sub-merchant application is not approved? 

Unfortunately, we cannot disclose the exact reason(s) why a sub-merchant's application doesn't get approved.  Listed below are some common reasons we are unable to approve a sub-merchant: 

• We were unable to verify the sub-merchant's Taxpayer Identification Number (TIN)
• We were unable to verify the owner or practice name
• The address input in the sub-merchant application is a PO Box instead of a physical address

If your practice was not approved, but is still interested in partnering with OPUL, please contact your OPUL Platform Specialist.

How do I get a status update on my sub-merchant application?

Please contact your OPUL Platform Specialist or contact OPUL Customer Support at (925) 678-5377.

NONWEB-OPUL-001199