> ## Documentation Index
> Fetch the complete documentation index at: https://docs.paygood.com/llms.txt
> Use this file to discover all available pages before exploring further.

# PayGood Merchant Onboarding: A Complete Overview

> Understand the PayGood merchant onboarding process — from creating a draft application to processor approval and live payment processing.

The PayGood merchant onboarding flow lets you bring new merchants onto the platform. Each merchant goes through a Know Your Business (KYB) application before they can process live payments. Once approved, the merchant is activated and ready to accept payments through PayGood.

## Onboarding stages

Work through each stage in order. Later steps depend on the application `id` returned when you create the draft.

1. **Create a draft application** — Open a new application for the merchant and receive an application ID.
2. **Fill in the business profile** — Provide legal name, business type, email, and registered address.
3. **Add beneficial owners** — Supply identity information for every individual who owns more than 25% of the business.
4. **Add payout accounts** — Link the bank account where PayGood will settle funds.
5. **Provide underwriting data** — Share estimated processing volumes and a description of the merchant's business.
6. **Submit for review** — Send the completed application to PayGood's underwriting team.
7. **Approval and activation** — Once approved, the merchant account is activated and live payment processing can begin.

## What you'll need

Gather the following information before starting the application:

* Business legal name and any doing-business-as (DBA) name
* Business type (e.g., corporation, LLC, sole proprietorship)
* Registered business address
* Business tax ID
* Beneficial owner details: full name, date of birth, personal address, and ownership percentage for each owner with more than 25% stake
* Payout bank account details
* Estimated annual card processing volume and maximum transaction amount

## Supported countries

PayGood currently supports merchant onboarding in the following countries:

| Country       | Code |
| ------------- | ---- |
| United States | `US` |
| Canada        | `CA` |

Country codes follow the [ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2) standard. Pass the appropriate code in the `country` field when creating a draft application.

Ready to get started? Head to [app.paygood.com](http://app.paygood.com) to start your application.