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Pacific Coast Retail
/
Application
● Pending Medium Risk Awaiting Docs
Application Steps
Progress72%
✓
Business Info
Legal name, address, MCC
✓
Banking
Checking · ••4821
✓
Officers
2 owners · 100%
✓
Processing
CC + ACH · $85K/mo
✓
Pricing
IC+ · PAX A920 Pro
6
Documents
2 of 5 missing
✦
UW Review
Score: 71 · Docs missing
◈
Solutions
3 recommended
Created Feb 18, 2026
M. Wright · Portal
5 days idle
Step 1 · Complete Business Information
🏪
Business Details
Legal name, type, and contact info
✓ Saved
📍
Business Address
Step 2 · Complete Banking Details
🏦
Business Bank Account
Deposits and fee deductions will use this account
✓ Verified
🔒 Account numbers are encrypted and stored securely. Only the last 4 digits are displayed after saving.
Step 3 · Complete Officers & Owners
👤
Beneficial Owners
All individuals with ≥25% ownership must be listed
100% accounted
SC
Sarah Chen
Owner · 60% · SSN ••••1842 · DOB ••/••/1985
JP
James Park
Owner · 40% · SSN ••••9031 · DOB ••/••/1982
Step 4 · Complete Processing Setup
💳
Payment Methods
Select which payment types to accept
✓
Credit & Debit Cards
Visa, Mastercard, Amex, Discover
✓
ACH / Bank Transfers
Direct bank-to-bank transfers
📈
Processing Volume
Estimated monthly activity
🔀
Transaction Mix
Must total 100%
Step 5 · Complete Pricing Configuration
💰
Rate Model
Choose how processing fees are structured
Flat Rate
Interchange Plus
Tiered
Surcharge
🖥
Equipment & Software
Select terminal or integration type
📱
PAX A920 Pro
Android terminal · NFC · Wifi · 4G · Touchscreen
✓
🖥
Dejavoo QD4
Countertop terminal · Chip + Tap + Swipe
🔌
Virtual Terminal (API)
NMI gateway · Online + MOTO
Step 6 · Action Required Documents 1 Required Missing
✦
AI Merchant Classification
Standard Retail Card Present MCC 5941 Confidence: 91%
Pacific Coast Retail is classified as a standard low-risk retail merchant. For this classification, documentation requirements are minimal — a single government ID for the primary owner and bank statements are sufficient for most processors. Processing history is helpful but not a hard requirement.
📋 Required: 2 docs
📄 Recommended: 2 docs
➕ Uploaded extras: 1 doc
High risk merchants require 6–12 docs
Document
Requirement
File
Status
📄
Wells Fargo ••4821 · Dec 2025 – Feb 2026
Required
bank_statements_dec_feb_2026.pdf
2.4 MB
Uploaded
⋯
🪪
⚠ Not uploaded · Last nudge Feb 22 · 16 days idle
Required
Missing
⋯
💳
Confirms business bank account
Required
voided_check_pcr.jpg
88 KB
Uploaded
⋯
📑
Not required for Standard Retail · Increases approval confidence +6%
Recommended
Not uploaded
⋯
📋
State-issued formation document
Recommended
articles_of_inc_pacific_coast_retail.pdf
340 KB
Uploaded
⋯
🪪
<25% ownership · Not required by most processors
Optional
Not uploaded
⋯
Any document can be uploaded — the AI will analyze it and categorize it automatically. PDF, JPG, PNG, HEIC · Max 10 MB per file.
✦
AI Document Analysis
Based on all uploaded documents · Updated Mar 10, 2026
1 action required
✓ Strong Findings
✓
Bank statements are clean and healthy. 3-month average balance of $24,840 with zero overdrafts or NSFs. Revenue trending +14% MoM. No loan servicing or unusual large debits identified.
✓
Articles of Incorporation verified. State-issued formation document confirms LLC structure, consistent with application. Entity name matches legal name on file.
✓
Voided check matches bank account on file. Routing 121042882 and account ••••4821 confirmed against bank statement deposit account. No discrepancies.
⚠ Issues & Gaps
✗
Owner ID for Sarah Chen not yet received. As the 60% majority owner, her government-issued photo ID is required by all matched processors before submission. Application cannot be submitted without this. 16 days since last nudge.
⚠
Volume delta between stated amount and bank deposits. Bank shows ~$28K/mo in Square deposits against a stated $85K monthly volume. This is unexplained without a processing statement. Likely split across multiple bank accounts or cash sales, but processors will ask.
⚠
No processing history on file. Not a hard block for standard retail, but adds a confidence penalty. First Data may issue a provisional approval with a lower volume ceiling until history is established.
💡 Suggestions to Overcome
Owner ID — Call, don't text
16 days without action on this. Call Sarah Chen directly and offer to accept a photo via WhatsApp or text. Portal nudges alone aren't working.
Volume delta — request Square export
Ask Sarah to export 3 months of payout data from Square (Dashboard → Transfers → Export CSV). This satisfies processing history and explains the bank deposit gap in one document.
Provisional approval strategy
If processing statement remains unavailable, submit to First Data with a cover note explaining the Square-to-bank deposit routing. Request a provisional approval at $50K/mo with a 6-month review for full volume ceiling.
1 required missing
Step 7 · UW Review Underwriting Analysis Confidence 68% — 2 docs missing
Risk Score
71
Medium Risk
0 High100 Low
Confidence
68%
Based on available data
+18% with missing docs
Approval Outlook
🟢
Likely Approved
Once missing docs received
3 processors matched
Data Coverage
Business Info✓ Complete
Bank Analysis✓ 3 months
Identity Verify✗ Missing
Processing Hist.✗ Missing
Website✓ Analyzed
✦
AI Assessment
Pacific Coast Retail LLC presents as a low-to-medium risk retail merchant (MCC 5941) with 4 years of operating history, two physical locations, and consistent bank statement activity reflecting seasonal sporting goods patterns. Bank balances are healthy with zero overdrafts. Primary concern is the absence of identity verification for Sarah Chen (60% ownership) and a missing prior processing statement — both of which are required by First Data and TSYS for standard approval. Once received, this application should clear underwriting without conditioning.
✓ Clean bank history ✓ MCC low-risk ✓ Established business ⚠ ID unverified ⚠ No prior stmt
🏦
Bank Statement Analysis
Dec 2025 – Feb 2026 · Wells Fargo ••4821
✓ Analyzed
Avg Monthly Balance
$24,840
Lowest Balance
$8,210
Oct 14, 2025
Avg Monthly Revenue
$91,400
Revenue Trend
+14%
3-month growth
Overdrafts / NSFs 0 — Clean
Existing MSP Deposits Square · avg $28K/mo
Loan / BNPL Payments None identified
Large Unexplained Debits None flagged
⚠ Note Square volume ($28K) below stated $85K
💳
Processing Statement Analysis
Prior processor history
Not uploaded
📂
Processing statement not yet uploaded
Upload the most recent 3-month statement from their previous processor to unlock this analysis. Required by First Data and TSYS.
Fields unlocked after upload
Previous Processor ——
Avg Monthly Processing Vol ——
Chargeback Rate ——
Refund / Void Rate ——
Authorization Rate ——
Card Mix (Visa/MC/Amex) ——
Credit vs. Debit Split ——
Effective Rate Paid ——
Avg Ticket (from stmt) ——
Month-over-Month Trend ——
⚠ Confidence score will increase +6% once statement is uploaded. Volume delta between stated $85K and bank deposits ($28K Square) will also be resolved.
❓
Questions to Ask
Prioritized by underwriting impact — send directly to merchant or use as call script
Critical — 2
"Can you export 3 months of payout summaries from your Square dashboard?"
Satisfies processing history req + resolves bank deposit delta
"Sarah, can you upload a driver's license or passport through the portal?"
Required for KYC/BSA by all matched processors; hard block
Important — 2
"What portion of your $85K monthly volume is in-store vs. online orders?"
Online >20% may require ecom addendum; affects Heartland eligibility
"What percentage of your inventory is airsoft / replica firearms?"
TSYS and Heartland may require addendum if >10% of product mix
Nice to Have — 2
"Do you have any chargeback history from your time with Square?"
Low impact if no stmt; helps validate clean processing history
"Are you planning to expand to a 3rd location or add new product lines in the next 12 months?"
Helps set appropriate volume ceiling with processor
🌐
Website Analysis
pacificcoastretail.com · Analyzed Mar 10
✓ Verified
MCC Match (5941) ✓ Confirmed — Sporting Goods
Physical Locations Listed ✓ 2 San Diego locations
Return / Refund Policy ✓ 30-day policy visible
Google Reviews ✓ 4.7★ · 312 reviews
Years Operating (web signals) ✓ Est. 2020 (4 yrs)
Restricted Products ✓ None detected
Product Categories Surf, Skate, Outdoor, Apparel
Ecommerce Component Online store present (~20% est.)
⚠ Firearms / Ammo Airsoft listed — confirm processor eligibility
✦
Approval Recommendations
Steps to maximize approval speed and terms
1
Collect Owner ID immediately
Call Sarah Chen directly — don't rely on portal nudge alone. Hard block for all processors. Offer to accept a photo via text/WhatsApp if portal is a barrier.
2
Request Square payout export
Square dashboard → Transfers → Export CSV. Satisfies First Data's processing history req and resolves the volume delta simultaneously.
3
Clarify airsoft inventory share before TSYS
If under 10%, document it proactively. If over 10%, route First Data first — no addendum required there.
4
Submit First Data as primary, TSYS as backup
First Data at 88% is the clear lead. Submit both simultaneously to cut time-to-approval. If First Data declines, TSYS is already queued.
🚦
Risk Flags
Identified from all available application data
Favorable — 4
✓
Zero overdrafts / NSFs
3 months clean bank history
✓
MCC 5941 — low-risk
Standard retail, no high-risk classification
✓
4-year operating history
Est. 2020 · 2 physical locations
✓
100% ownership accounted
Chen 60% + Park 40%
Caution — 3
⚠
Stated vol. vs. bank gap
$85K stated; Square deposits avg $28K
⚠
Airsoft product category
Some processors require written addendum
⚠
Owner ID not yet verified
Sarah Chen (60%) — required before submission
Blockers — 1
✗
No prior processing statement
Required by First Data & TSYS — request Square export as substitute
📈
Confidence will increase to ~86% once missing docs are uploaded
Owner ID (+12%) and processing statement (+6%) are the two remaining data gaps. Upload both to unlock full analysis and enable submission.
Step 8 · Solutions Recommended Solutions
Recommended 3
Considering 0
🔍
▼ Filter
⊞
≡
ℹ️ Pacific Coast Retail is primarily card-present (70% swiped) with a 20% ecommerce component. Card-present solutions are locked to terminal + processor bundles. The ecom layer can be mixed independently with any gateway. Solutions are ranked accordingly.
First Data Omaha
Low Risk Card Present ⭐ Best Match
The premier card-present processing program for retail merchants. Reliable IC+ pricing, fast approvals, and native PAX terminal support make this the default recommendation for MCC 5941.
Approval
🕐24–48 hrs
Comm / Econ
💲IC+ Schedule
Fit Score
88%
Terminal
PAX A920 Pro
Volume Ceiling
$500K/mo
Confidence
88%
✓ Why this works for Pacific Coast Retail
· PAX A920 Pro natively provisioned — no third-party setup
· MCC 5941 standard retail — no addendum required
· IC+ 0.25% + $0.10 competitive for $85K/mo volume tier
· NMI gateway covers the 20% ecom component
· 24-48 hr approval — fastest path to processing
· Airsoft under 10% = no restricted product addendum
Marketing Materials
📄 First Data Product Sheet
🎬 IC+ Rate Card Explainer
📋 PAX A920 Setup Guide
Follow-Up Copy 📋 Copy
Hi Sarah,
I've been reviewing Pacific Coast Retail's processing needs. Based on your volume and setup I'd recommend First Data with IC+ pricing — should save you ~30% vs. Square's flat 2.6%...
Setup Timeline
Submit Application
Digital signature via Twill portal
UW Review (24–48 hrs)
First Data underwriting decision
Terminal Ships
PAX A920 provisioned and shipped
Credentials Sent
NMI gateway login emailed
Live Processing
Typically Day 4–5 from submission
⚠ Underwriting Notes
Owner ID (Sarah Chen) required before submission. Square export satisfies processing history. Airsoft confirmed <10% = no addendum needed.
Pricing Constraints
Min monthly volume$10,000
IC+ markup0.25% + $0.10
Monthly fee$15.00
Chargeback threshold1.0%
Learn more about First Data Omaha ↗
▲ Show Less
TSYS Merchant Solutions
Medium Risk Card Present
Backup processor. Strong retail program but requires airsoft addendum confirmation.
Approval
3–5 days
Fit Score
79%
79%
▼ Expand
⚠ Airsoft addendum may be required
NMI Gateway + Stripe
Low Risk Ecom Layer Mix & Match
Supplemental ecom solution for the 20% online component. Can layer on top of any card-present processor.
Approval
48–72 hrs
Fit Score
72%
72%
▼ Expand
⬡ Stackable — works with any card-present processor above
Select a solution above to submit