US Merchant Payment Onboarding Guide

Hello Merchant! Welcome to activate US Payment Service. The whole process is straightforward. Simply follow the step-by-step instructions below to complete activation smoothly.

Fill MPA Application Form → Submit Via Email → Await Underwriting Review → Activate Payment MID → Activate POS Terminal → Start Live Payment Processing

Why Apply For Self-Collection Merchant Account

There are two payment settlement methods for merchants: Platform Proxy Collection and Merchant Self-Collection.

Platform Proxy Collection requires no separate merchant ID application, but all customer funds are held by the platform before disbursement, with a mandatory 30-day settlement cycle and inherent fund safety risks.

Merchant Self-Collection requires submitting full business credentials to apply for an exclusive merchant ID. All consumer payments transfer directly into your business bank account with T+1 next-day settlement, giving you full ownership and control over your revenue with enhanced security.

You only complete document submission once for all future business activity with no recurring filings, delivering reliable, fast cash flow. We highly recommend self-collection onboarding for long-term store operations.

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Quick Process Summary: Complete MPA form → Send application email → Wait for underwriting review → Activate payment MID → Activate POS hardware → Launch live payment operations.

Step 1: Complete MPA Onboarding Form & Submit By Email

First, fill out our official Merchant Processing Agreement (MPA) form, which will be provided to you by our team. Return the completed document via email.

Detailed Submission Instructions:

Fill every field listed on the MPA form following provided guidelines
All cells highlighted yellow are mandatory and must be fully completed; non-highlighted optional fields may be left blank if information is unavailable
Attach the finished MPA form as an email attachment and send to acquirer UP, with a carbon copy to Qingo LLC for application tracking support

Qingo LLC Support Email	Qingo_info@qingo.com
UP Acquirer Underwriting Mailbox	rm@letsgoup.com

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Critical Reminder: Missing yellow mandatory fields will delay review or result in application rejection. Double-check all highlighted sections before email submission.

Step 2: Await Underwriting Review & Receive Merchant MID

After email submission, acquirer UP will conduct full compliance underwriting of your merchant application. Upon approval, UP will assign your exclusive Merchant Identification Number (MID).

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Review Lead Time: Fully completed, error-free applications generally require 5–10 business days for underwriting. Our team will contact you immediately if supplementary business documents are requested.

Actions Required During Review:

Keep your business email inbox monitored; UP’s underwriting team will send follow-up correspondence via mail for clarifications
Once you receive your MID, log into your merchant operation app and bind the MID to your backend system to fully enable payment channels. POS terminal activation is required before opening a live storefront.

After successful binding, your payment processing channel is fully operational.

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Your MID is your permanent unique payment account identifier issued exclusively by acquirer UP. System binding is mandatory to accept customer payments, making this a vital step. All underwriting communication occurs via email – check your inbox frequently.

Step 3: Activate POS Terminal For Live Merchant Operations

If you utilize POS hardware for in-person checkout, terminal activation follows this streamlined workflow (refer to New User Guide - Terminal Activation for full specifications):

Generate and submit a POS terminal activation request email to UP through your merchant backend system
UP technical support team processes and completes terminal activation upon receiving your formal request mail
Connected POS terminals auto-download and install live activated firmware automatically; no manual configuration required by merchants
Activation finished – your POS hardware is ready for customer checkout transactions!

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Terminal Activation Timeline: Hardware provisioning normally takes 3–5 business days. We will reach out promptly if your terminal SN serial information is incomplete or invalid.

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Ensure stable internet connectivity for your POS device before starting activation to allow automatic firmware upgrades. Each terminal’s unique SN serial number is printed on its rear sticker or original retail packaging box.

Support & Assistance

Only two core tasks fall under your responsibility throughout the entire onboarding workflow:

1. Fully complete the MPA application form and submit it via email to acquirer UP with a copy sent to Qingo LLC;

2. Complete POS terminal activation by providing all device SN serial numbers to UP’s underwriting team for validation.

All backend administrative work including compliance review, MID binding and POS provisioning will be handled by our internal team. Submit inquiries via email or directly reach your dedicated sales representative for real-time support.

🎉 Next Step: Create & Launch Your Merchant Store

Once your payment MID is active and all POS terminals provisioned, log into your merchant operation app to build and publish your official online/offline storefront. Complete walkthrough tutorials for the merchant app are available within the New User Onboarding Handbook.

Wishing you prosperous business and seamless payment processing!

— Qingo LLC Team