{ "model": "grayson-1", "state": { "platform": "Our platform: a U.S. payment facilitator for small businesses. Merchants take cards through our online checkout, payment links and invoices, recurring billing and card readers. We board each one as a sub-merchant under our sponsor bank and carry any chargebacks, refunds or fees a merchant can't cover.", "policy_reference": { "standard_terms": "Payouts to the linked bank account 2 business days after capture; no reserve; monthly processing limit set at underwriting from processing statements, or $50,000 for a business without statements, reviewed after 90 days; keyed card entry up to $2,500 per transaction.", "conditions_available": "Rolling reserve of 5% to 25% held 90 to 180 days; lower monthly limit; payouts delayed up to 7 days; keyed entry off; removing a product or offer before go-live.", "prohibited": [ "Marijuana and THC products, including hemp-derived THC; kratom; drug paraphernalia", "Prescription drugs without a pharmacy license; products marketed with claims that they cure, treat or prevent a disease", "Weapons, ammunition and explosives", "Gambling, lotteries and sweepstakes with a purchase requirement", "Adult content and services", "Debt relief, credit repair and loan modification charged up front", "Gift cards, prepaid cards, money orders, cryptocurrency and other stored value", "Counterfeit or replica goods", "Taking payments for another business, or splitting one business's sales across several merchant accounts to keep each account's chargeback ratio down" ], "restricted_needs_underwriting_approval": [ "Dietary supplements and nutraceuticals (supplement facts and marketing claims reviewed)", "Subscriptions that start with a free or reduced-price trial (allowed only with clear disclosure at checkout, a reserve and chargeback monitoring)", "Pre-orders, or goods delivered more than 14 days after payment", "Consumer electronics with an average ticket over $300", "Event tickets and travel", "Any business with an average ticket over $5,000" ] }, "application": { "id": "mapp_5TD02K", "submitted_at": "2026-10-05T03:29:43Z", "products_requested": [ "Card readers (2)", "Payment links and invoices", "Recurring billing" ], "business": { "legal_name": "Okafor Mechanical Services LLC", "dba": "Okafor Heating & Air", "entity_type": "Limited liability company", "state_of_formation": "Oklahoma", "date_formed": "2012-04-17", "ein": "xx-xxx6614", "business_address": "2217 E Admiral Pl, Tulsa, OK 74110", "business_phone": "(918) 555-0134", "business_email": "office@okaforheatingair.example.com", "website": "https://okaforheatingair.example.com", "years_in_business": "14", "employees": "9" }, "description_in_applicants_words": "Residential heating and air conditioning repair, maintenance plans and system replacements in the Tulsa area. Technicians take payment on site with a card reader after the job. Replacement jobs are invoiced: a deposit at signing and the balance on completion. 9 employees, 5 service vans.", "mcc": "1711 Heating, plumbing and air-conditioning contractors", "expected_monthly_volume_usd": 95000, "average_ticket_usd": 640, "highest_ticket_usd": 16500, "sales_channels_pct": { "card_present_reader": 68, "invoices_and_payment_links": 32, "online_checkout": 0 }, "keyed_entry_requested": "No", "fulfillment": "Service performed on site; replacement jobs invoiced at signing and completion", "refund_policy": "Workmanship guarantee; refunds by agreement", "recurring_billing": "Yes: maintenance plans at $19.99 a month, about 410 members, cancel anytime", "previous_processor": "Yes, since 2018. 'They are ending support for our card readers and raised our rates.'", "statements_provided": "6 months, April to September 2026", "owners_other_businesses_taking_cards": "None", "payout_schedule_requested": "Standard", "owners": [ { "name": "Chinedu A. Okafor", "title": "Managing member", "ownership_pct": 60, "control_person": true, "date_of_birth": "1979-08-xx", "ssn": "xxx-xx-2240", "home_address": "1903 S Juniper Ave, Broken Arrow, OK 74012", "phone": "(918) 555-0134", "email": "chris@okaforheatingair.example.com" }, { "name": "Adaeze N. Okafor", "title": "Member", "ownership_pct": 40, "control_person": false, "date_of_birth": "1983-01-xx", "ssn": "xxx-xx-9175", "home_address": "1903 S Juniper Ave, Broken Arrow, OK 74012" } ], "payout_account": "Business checking x7720 at a regional bank, linked by instant account verification", "applicant_notes": "We moved our website to a new address in August when we rebranded (the old okaformechanical address forwards to it). Our bank account is in our trade name, Okafor Heating and Air." }, "state_registry_record": { "source": "Oklahoma Secretary of State business search, retrieved at submission", "entity_name": "OKAFOR MECHANICAL SERVICES, L.L.C.", "filing_number": "3512984471", "entity_type": "Domestic limited liability company", "status": "In existence", "formed": "2012-04-17", "registered_agent": "Chinedu A. Okafor, 2217 E Admiral Pl, Tulsa, OK 74110", "principal_office": "2217 E Admiral Pl, Tulsa, OK 74110", "managers_or_members_listed": "None in the filings (not required); the 2019 trade name report is signed by Chinedu A. Okafor, Manager", "trade_names": [ [ "OKAFOR HEATING & AIR", "filed 2019-03-04", "active" ] ], "filing_history": [ [ "2012-04-17", "Articles of Organization" ], [ "2013-2022", "Annual certificates filed each year" ], [ "2019-03-04", "Trade name report: OKAFOR HEATING & AIR" ], [ "2023-06-01", "Status changed to not in good standing: 2023 annual certificate not filed" ], [ "2023-08-14", "Annual certificate filed with late fee; reinstated, in existence" ], [ "2024-04-10", "Annual certificate filed" ], [ "2025-04-02", "Annual certificate filed" ], [ "2026-04-08", "Annual certificate filed" ] ] }, "tin_match": { "check": "IRS TIN Matching, legal name and EIN", "result": "Code 7: name and EIN combination matches IRS EIN records" }, "business_records_check": { "found_in_sources": "5: state registry, commercial credit file, UCC filings, state contractor licensing, public tax lien records", "first_seen_in_records": "2012-04", "commercial_credit_file": "Since 2013; 3 trade lines (HVAC distributor net-30, fuel card, vehicle financing), all current; paydex-style payment index 78 of 100", "ucc_filings": [ [ "2021-03-02", "Vehicle lender", "Service vans" ], [ "2024-09-16", "Equipment lender", "Duct fabrication equipment" ] ], "liens_and_judgments": "State tax lien filed 2021-11-09 for $3,184, released 2022-04-21; no judgments", "contractor_license": "State mechanical (HVAC) contractor license, active since 2011, expires 2027-06; holder Chinedu A. Okafor; business on license Okafor Mechanical Services LLC", "industry_from_records": "NAICS 238220 Plumbing, heating and air-conditioning contractors", "business_address": { "type": "Commercial: single-tenant light industrial building with service bays", "usps": "Deliverable; business address", "businesses_registered_at_address": 1 }, "business_phone": { "line_type": "Fixed VoIP (business phone service)", "public_listing": "Listed to Okafor Heating & Air since 2014", "ported": "2026-09-11, from a landline carrier to a business VoIP service" }, "officers_from_records": "Chinedu A. Okafor (manager, license holder, trade name report)" }, "owner_checks": [ { "name": "Chinedu A. Okafor", "identity_match": "Name, SSN and date of birth appear together in credit-header records since 2004", "ssn": "Valid; 1 name and 1 date of birth associated; no death record", "address_history": [ [ "Tulsa, OK", "2008-02", "2018-05" ], [ "1903 S Juniper Ave, Broken Arrow, OK", "2018-06", "2026-09" ] ], "phone_on_application": "Associated with this identity and with the business since 2014", "email_on_application": "At the business's domain; first seen 2026-08 (the new domain); the owner's old-domain address seen since 2013", "document_and_selfie_check": "Not run (we run it only when underwriting asks for documents)", "ofac_and_pep": "No match", "adverse_media": "None found", "other_businesses_in_records": "None", "credit_soft_pull": { "score": 742, "scale": "300-850", "derogatory": "None", "inquiries_last_90_days": [ [ "2026-08-30", "Auto lender" ] ] } }, { "name": "Adaeze N. Okafor", "identity_match": "Name, SSN and date of birth appear together in credit-header records since 2005", "ssn": "Valid; 2 names associated (Adaeze N. Okafor; Adaeze N. Eze, used until 2011); 1 date of birth", "address_history": [ [ "Tulsa, OK", "2009-08", "2018-05" ], [ "1903 S Juniper Ave, Broken Arrow, OK", "2018-06", "2026-09" ] ], "document_and_selfie_check": "Not run", "ofac_and_pep": "No match", "adverse_media": "None found", "other_businesses_in_records": "None", "credit_soft_pull": { "score": 768, "scale": "300-850", "derogatory": "None", "inquiries_last_90_days": [] } } ], "watchlists": { "ofac_business": "No match", "card_network_terminated_merchant_list": "No match on business name, DBA, owners, address, phone or URL", "internal_negative_list": "No match" }, "website_review": { "crawled_at": "2026-10-05T03:50:31Z", "domain": "okaforheatingair.example.com", "domain_registered": "2026-08-19 (47 days before the application); registrant: Okafor Mechanical Services LLC", "previous_domain": "okaformechanical.example.com, registered 2013-05-02 to the same registrant; redirects (301) to the new domain since 2026-08-26; web archive snapshots of the old site from 2014 to 2026-08 show the same business, phone and address", "tls_certificate": "Domain-validated, issued 2026-08-20", "platform": "Small-business website builder", "pages": { "columns": [ "path", "what it shows" ], "rows": [ [ "/", "'Tulsa's family-owned heating and air company since 2012.' Phone, service area map, 'Book a visit' form." ], [ "/services", "Repair, tune-ups, replacements, duct work, indoor air quality. Service call $89; tune-up $119." ], [ "/maintenance-plan", "Comfort Club: $19.99 a month, 2 tune-ups a year, priority scheduling, 15% off repairs; cancel anytime by phone or email; first charge at sign-up." ], [ "/financing", "Financing for replacement systems through a third-party lender; subject to credit approval." ], [ "/about", "Photos of the owners, 6 technicians and branded vans; state license number in the footer." ], [ "/reviews", "Embedded reviews from the map listing." ], [ "/careers", "Hiring an HVAC service technician; pay range shown." ], [ "/contact", "2217 E Admiral Pl, Tulsa; phone; hours Mon-Sat 7-6; emergency line." ] ] }, "content_reuse": "None: photos are original (vans and staff with the business name); text not found elsewhere", "checkout": "No online checkout (the business invoices and takes payment on site, as the application says)" }, "web_presence": { "map_listing": "Claimed since 2014; 318 reviews, 4.7 stars; address and phone match the application", "review_sites": "64 reviews, 4.5 stars", "social": "Business page since 2014; posts about weekly jobs and seasonal tune-ups", "complaints": "2 complaints with a business complaint bureau in 3 years, both about pricing, both answered and closed", "recent_reviews": { "columns": [ "date", "source", "stars", "text" ], "rows": [ [ "2026-09-30", "Map listing", 5, "Luis came out same day when our AC quit. Explained everything and the price matched the quote." ], [ "2026-09-24", "Map listing", 5, "Third summer on their maintenance plan. Always on time, never an upsell." ], [ "2026-09-18", "Map listing", 4, "Good work on our furnace tune-up. Scheduling took two calls." ], [ "2026-09-09", "Review site", 5, "Replaced our 20-year-old system. Chris walked us through financing options without pressure." ], [ "2026-08-30", "Map listing", 1, "Pricey for a capacitor. Fixed it fast but $340 felt like a lot." ], [ "2026-08-27", "Map listing", 5, "Came out on a Sunday in 104 degree heat. Lifesavers." ], [ "2026-08-14", "Review site", 5, "Honest. Told us our unit had a few years left instead of selling us a new one." ], [ "2026-08-02", "Map listing", 5, "Install crew was clean and finished in one day." ], [ "2026-07-22", "Map listing", 4, "Took a week to get the part, but they kept us updated." ], [ "2026-07-11", "Map listing", 5, "Okafor Heating & Air has done our rentals for 6 years. Reliable." ] ] } }, "processing_history": { "statements_provided": "6 monthly statements from the previous processor, April to September 2026", "merchant_name_on_statements": "OKAFOR HEATING & AIR, 2217 E ADMIRAL PL TULSA OK; account open since 2018-05", "monthly": { "columns": [ "month", "sales_usd", "transactions", "average_ticket_usd", "card_present_pct", "refunds_usd", "chargebacks", "chargebacks_usd" ], "rows": [ [ "2026-04", 61373.71, 92, 667.11, 71, 305.24, 0, 0 ], [ "2026-05", 78077.11, 120, 650.64, 72, 564.33, 0, 0 ], [ "2026-06", 105160.68, 154, 682.86, 65, 760.53, 0, 0 ], [ "2026-07", 121672.69, 183, 664.88, 68, 708.67, 1, 4850 ], [ "2026-08", 113800.73, 165, 689.7, 70, 766.16, 0, 0 ], [ "2026-09", 84490.08, 124, 681.37, 64, 854.86, 0, 0 ] ] }, "largest_transactions": { "columns": [ "date", "amount_usd", "what" ], "rows": [ [ "2026-06-12", 14280, "Invoice: 4-ton heat pump and air handler replacement (balance on completion)" ], [ "2026-07-02", 11950, "Invoice: furnace and AC system replacement" ], [ "2026-07-09", 4850, "Reader: compressor replacement (disputed, see chargebacks)" ], [ "2026-07-21", 16310, "Invoice: two-system replacement, two-story home" ], [ "2026-08-04", 9875, "Invoice: AC condenser and coil replacement" ], [ "2026-08-19", 12640, "Invoice: heat pump system replacement" ], [ "2026-09-08", 7420, "Invoice: deposit at signing, system replacement" ], [ "2026-09-23", 13180, "Invoice: furnace, AC and ductwork" ] ] }, "chargebacks": [ [ "2026-07-24", 4850, "10.4 Other fraud: card-absent environment (keyed after a reader fault)", "Won: signed work order and photos sent; reversed 2026-08-19" ] ], "reserve_or_holds_at_previous_processor": "None" }, "payout_bank_account": { "method": "Instant account verification (account link)", "bank_type": "Regional bank", "account": "Business checking x7720", "opened": "2012-05-03", "owner_name_returned": "OKAFOR HEATING AND AIR", "name_match": "Partial: matches the trade name on file with the state, not the legal name", "authorized_signers_returned": "CHINEDU A OKAFOR; ADAEZE N OKAFOR", "balance_at_link_usd": 64318.4, "credits_last_90_days_usd": 478002.3, "debits_last_90_days_usd": 441615.45, "transactions": { "note": "Every posted item 2026-07-06 to 2026-10-02, from the account link; debits negative", "columns": [ "posted", "description", "amount_usd", "balance_usd" ], "rows": [ [ "2026-07-06", "BANKCARD DEP MID x0193", 10146.74, 38078.29 ], [ "2026-07-06", "MOBILE DEPOSIT CHECK", 2794.11, 40872.4 ], [ "2026-07-06", "QT 0233 TULSA OK", -96.87, 40775.53 ], [ "2026-07-07", "BANKCARD DEP MID x0193", 7104.4, 47879.93 ], [ "2026-07-07", "QT 0233 TULSA OK", -107.05, 47772.88 ], [ "2026-07-07", "QT 0687 BROKEN ARROW OK", -94.3, 47678.58 ], [ "2026-07-08", "BANKCARD DEP MID x0193", 6929.15, 54607.73 ], [ "2026-07-08", "PLAINS HVAC SUPPLY ACH INV PMT", -14835.27, 39772.46 ], [ "2026-07-08", "PLAINS HVAC SUPPLY #3 TULSA OK", -451.44, 39321.02 ], [ "2026-07-09", "BANKCARD DEP MID x0193", 7261.65, 46582.67 ], [ "2026-07-10", "BANKCARD DEP MID x0193", 6253.36, 52836.03 ], [ "2026-07-10", "PAYROLL SVC NET PAY", -19815.05, 33020.98 ], [ "2026-07-10", "PAYROLL SVC TAX IMPOUND", -7629.55, 25391.43 ], [ "2026-07-10", "BUSINESS INSURANCE PREMIUM", -1638, 23753.43 ], [ "2026-07-10", "THE HOME DEPOT #3907 TULSA OK", -210.6, 23542.83 ], [ "2026-07-12", "BUSINESS LANDLINE SVC", -312.18, 23230.65 ], [ "2026-07-13", "BANKCARD DEP MID x0193", 10744.46, 33975.11 ], [ "2026-07-13", "MOBILE DEPOSIT CHECK", 821.64, 34796.75 ], [ "2026-07-14", "BANKCARD DEP MID x0193", 5002.2, 39798.95 ], [ "2026-07-14", "HOME IMPROVEMENT LOAN FUNDING", 12587.49, 52386.44 ], [ "2026-07-14", "LOWE'S #1642 TULSA OK", -555.44, 51831 ], [ "2026-07-15", "BANKCARD DEP MID x0193", 4513.76, 56344.76 ], [ "2026-07-15", "PLAINS HVAC SUPPLY ACH INV PMT", -11831.99, 44512.77 ], [ "2026-07-15", "PSO ONLINE PMT", -350.91, 44161.86 ], [ "2026-07-15", "QT 0412 TULSA OK", -77.35, 44084.51 ], [ "2026-07-16", "BANKCARD DEP MID x0193", 5035.02, 49119.53 ], [ "2026-07-16", "MOBILE DEPOSIT CHECK", 2089.13, 51208.66 ], [ "2026-07-16", "FLEET GPS TRACKING SVC", -185, 51023.66 ], [ "2026-07-16", "QT 0233 TULSA OK", -85.26, 50938.4 ], [ "2026-07-17", "BANKCARD DEP MID x0193", 3781.39, 54719.79 ], [ "2026-07-17", "QT 0687 BROKEN ARROW OK", -109.39, 54610.4 ], [ "2026-07-18", "FIELD SERVICE SOFTWARE SUB", -349, 54261.4 ], [ "2026-07-20", "BANKCARD DEP MID x0193", 7527.64, 61789.04 ], [ "2026-07-20", "OK TAX COMMISSION SALES TAX", -1977.47, 59811.57 ], [ "2026-07-20", "QT 0233 TULSA OK", -68.12, 59743.45 ], [ "2026-07-21", "BANKCARD DEP MID x0193", 7466.99, 67210.44 ], [ "2026-07-21", "QT 0687 BROKEN ARROW OK", -90.06, 67120.38 ], [ "2026-07-22", "BANKCARD DEP MID x0193", 4999, 72119.38 ], [ "2026-07-22", "PLAINS HVAC SUPPLY ACH INV PMT", -13561.78, 58557.6 ], [ "2026-07-22", "BUSINESS CARD AUTOPAY x4410", -6338.61, 52218.99 ], [ "2026-07-22", "QT 0412 TULSA OK", -103.52, 52115.47 ], [ "2026-07-22", "QT 0412 TULSA OK", -98.2, 52017.27 ], [ "2026-07-23", "BANKCARD DEP MID x0193", 7427.66, 59444.93 ], [ "2026-07-24", "BANKCARD DEP MID x0193", 3988.65, 63433.58 ], [ "2026-07-24", "PAYROLL SVC NET PAY", -20988.25, 42445.33 ], [ "2026-07-24", "PAYROLL SVC TAX IMPOUND", -7576.24, 34869.09 ], [ "2026-07-24", "QT 0233 TULSA OK", -69.64, 34799.45 ], [ "2026-07-25", "TRANSFER TO CHECKING x1180 C OKAFOR", -9000, 25799.45 ], [ "2026-07-27", "BANKCARD DEP MID x0193", 8958.42, 34757.87 ], [ "2026-07-27", "WASTE MGMT COMMERCIAL", -95.63, 34662.24 ], [ "2026-07-27", "LOWE'S #1642 TULSA OK", -237.59, 34424.65 ], [ "2026-07-28", "BANKCARD DEP MID x0193", 6425.33, 40849.98 ], [ "2026-07-28", "HOME IMPROVEMENT LOAN FUNDING", 11396.17, 52246.15 ], [ "2026-07-28", "QT 0412 TULSA OK", -60.78, 52185.37 ], [ "2026-07-28", "QT 0687 BROKEN ARROW OK", -70.01, 52115.36 ], [ "2026-07-29", "BANKCARD DEP MID x0193", 5108.34, 57223.7 ], [ "2026-07-29", "PLAINS HVAC SUPPLY ACH INV PMT", -15894.08, 41329.62 ], [ "2026-07-29", "QT 0412 TULSA OK", -60.29, 41269.33 ], [ "2026-07-30", "BANKCARD DEP MID x0193", 5252.89, 46522.22 ], [ "2026-07-31", "BANKCARD DEP MID x0193", 7750.59, 54272.81 ], [ "2026-08-01", "ADMIRAL FLEX PROPERTIES RENT", -3400, 50872.81 ], [ "2026-08-03", "BANKCARD DEP MID x0193", 7970.28, 58843.09 ], [ "2026-08-03", "BANKCARD FEES MID x0193", -3536.52, 55306.57 ], [ "2026-08-04", "BANKCARD DEP MID x0193", 3729.72, 59036.29 ], [ "2026-08-04", "QT 0687 BROKEN ARROW OK", -105.79, 58930.5 ], [ "2026-08-04", "LOWE'S #1642 TULSA OK", -85.59, 58844.91 ], [ "2026-08-04", "PLAINS HVAC SUPPLY #3 TULSA OK", -265.39, 58579.52 ], [ "2026-08-05", "BANKCARD DEP MID x0193", 5623.75, 64203.27 ], [ "2026-08-05", "MOBILE DEPOSIT CHECK", 2042.89, 66246.16 ], [ "2026-08-05", "PLAINS HVAC SUPPLY ACH INV PMT", -12220, 54026.16 ], [ "2026-08-05", "COMMERCIAL VEHICLE FIN PMT", -2862.4, 51163.76 ], [ "2026-08-05", "QT 0687 BROKEN ARROW OK", -104.47, 51059.29 ], [ "2026-08-05", "PLAINS HVAC SUPPLY #3 TULSA OK", -723.21, 50336.08 ], [ "2026-08-06", "BANKCARD DEP MID x0193", 4459.73, 54795.81 ], [ "2026-08-06", "HOME IMPROVEMENT LOAN FUNDING", 6354.74, 61150.55 ], [ "2026-08-06", "QT 0412 TULSA OK", -107.23, 61043.32 ], [ "2026-08-07", "BANKCARD DEP MID x0193", 4977.56, 66020.88 ], [ "2026-08-07", "PAYROLL SVC NET PAY", -19829.38, 46191.5 ], [ "2026-08-07", "PAYROLL SVC TAX IMPOUND", -7592.86, 38598.64 ], [ "2026-08-07", "QT 0233 TULSA OK", -108.21, 38490.43 ], [ "2026-08-07", "QT 0412 TULSA OK", -110.38, 38380.05 ], [ "2026-08-10", "BANKCARD DEP MID x0193", 13205.87, 51585.92 ], [ "2026-08-10", "MOBILE DEPOSIT CHECK", 602.42, 52188.34 ], [ "2026-08-10", "BUSINESS INSURANCE PREMIUM", -1638, 50550.34 ], [ "2026-08-10", "QT 0687 BROKEN ARROW OK", -135.06, 50415.28 ], [ "2026-08-10", "LOWE'S #1642 TULSA OK", -90.08, 50325.2 ], [ "2026-08-11", "BANKCARD DEP MID x0193", 3958.97, 54284.17 ], [ "2026-08-11", "QT 0412 TULSA OK", -111.14, 54173.03 ], [ "2026-08-12", "BANKCARD DEP MID x0193", 6632.76, 60805.79 ], [ "2026-08-12", "PLAINS HVAC SUPPLY ACH INV PMT", -11535.51, 49270.28 ], [ "2026-08-12", "BUSINESS LANDLINE SVC", -312.18, 48958.1 ], [ "2026-08-12", "QT 0233 TULSA OK", -58.48, 48899.62 ], [ "2026-08-13", "BANKCARD DEP MID x0193", 6479.99, 55379.61 ], [ "2026-08-13", "MOBILE DEPOSIT CHECK", 542.69, 55922.3 ], [ "2026-08-13", "QT 0687 BROKEN ARROW OK", -107.86, 55814.44 ], [ "2026-08-14", "BANKCARD DEP MID x0193", 5596.67, 61411.11 ], [ "2026-08-14", "QT 0687 BROKEN ARROW OK", -62.29, 61348.82 ], [ "2026-08-14", "QT 0412 TULSA OK", -94.68, 61254.14 ], [ "2026-08-15", "PSO ONLINE PMT", -322.05, 60932.09 ], [ "2026-08-16", "FLEET GPS TRACKING SVC", -185, 60747.09 ], [ "2026-08-17", "BANKCARD DEP MID x0193", 13186.56, 73933.65 ], [ "2026-08-17", "QT 0233 TULSA OK", -85.96, 73847.69 ], [ "2026-08-17", "THE HOME DEPOT #3907 TULSA OK", -600.39, 73247.3 ], [ "2026-08-18", "BANKCARD DEP MID x0193", 7216.09, 80463.39 ], [ "2026-08-18", "FIELD SERVICE SOFTWARE SUB", -349, 80114.39 ], [ "2026-08-18", "QT 0687 BROKEN ARROW OK", -79.88, 80034.51 ], [ "2026-08-19", "BANKCARD DEP MID x0193", 3096.85, 83131.36 ], [ "2026-08-19", "MOBILE DEPOSIT CHECK", 710.41, 83841.77 ], [ "2026-08-19", "PLAINS HVAC SUPPLY ACH INV PMT", -11052.5, 72789.27 ], [ "2026-08-19", "DOMAIN REGISTRATION", -18.99, 72770.28 ], [ "2026-08-19", "QT 0687 BROKEN ARROW OK", -95.01, 72675.27 ], [ "2026-08-19", "QT 0233 TULSA OK", -131.12, 72544.15 ], [ "2026-08-20", "BANKCARD DEP MID x0193", 4413.16, 76957.31 ], [ "2026-08-20", "MOBILE DEPOSIT CHECK", 1035.53, 77992.84 ], [ "2026-08-20", "OK TAX COMMISSION SALES TAX", -2598.77, 75394.07 ], [ "2026-08-21", "BANKCARD DEP MID x0193", 3904.78, 79298.85 ], [ "2026-08-21", "PAYROLL SVC NET PAY", -20720.77, 58578.08 ], [ "2026-08-21", "PAYROLL SVC TAX IMPOUND", -7102.51, 51475.57 ], [ "2026-08-21", "QT 0233 TULSA OK", -93.83, 51381.74 ], [ "2026-08-22", "BUSINESS CARD AUTOPAY x4410", -4043.49, 47338.25 ], [ "2026-08-24", "BANKCARD DEP MID x0193", 12724.14, 60062.39 ], [ "2026-08-24", "QT 0412 TULSA OK", -118.91, 59943.48 ], [ "2026-08-24", "LOWE'S #1642 TULSA OK", -560.81, 59382.67 ], [ "2026-08-24", "PLAINS HVAC SUPPLY #3 TULSA OK", -220.68, 59161.99 ], [ "2026-08-25", "BANKCARD DEP MID x0193", 5820.52, 64982.51 ], [ "2026-08-25", "MOBILE DEPOSIT CHECK", 421.95, 65404.46 ], [ "2026-08-25", "HOME IMPROVEMENT LOAN FUNDING", 13148.95, 78553.41 ], [ "2026-08-25", "TRANSFER TO CHECKING x1180 C OKAFOR", -9000, 69553.41 ], [ "2026-08-25", "THE HOME DEPOT #3907 TULSA OK", -98.59, 69454.82 ], [ "2026-08-26", "BANKCARD DEP MID x0193", 3518.87, 72973.69 ], [ "2026-08-26", "PLAINS HVAC SUPPLY ACH INV PMT", -9908.39, 63065.3 ], [ "2026-08-26", "WEB HOSTING ANNUAL RENEW", -276, 62789.3 ], [ "2026-08-26", "QT 0412 TULSA OK", -108.96, 62680.34 ], [ "2026-08-26", "PLAINS HVAC SUPPLY #3 TULSA OK", -396.47, 62283.87 ], [ "2026-08-27", "BANKCARD DEP MID x0193", 3275.93, 65559.8 ], [ "2026-08-27", "WASTE MGMT COMMERCIAL", -88.53, 65471.27 ], [ "2026-08-27", "QT 0412 TULSA OK", -109.58, 65361.69 ], [ "2026-08-28", "BANKCARD DEP MID x0193", 4709.17, 70070.86 ], [ "2026-08-31", "BANKCARD DEP MID x0193", 9047.98, 79118.84 ], [ "2026-08-31", "MOBILE DEPOSIT CHECK", 208.79, 79327.63 ], [ "2026-08-31", "QT 0687 BROKEN ARROW OK", -130.51, 79197.12 ], [ "2026-08-31", "QT 0233 TULSA OK", -130.11, 79067.01 ], [ "2026-08-31", "PLAINS HVAC SUPPLY #3 TULSA OK", -923.22, 78143.79 ], [ "2026-09-01", "BANKCARD DEP MID x0193", 4791.98, 82935.77 ], [ "2026-09-01", "ADMIRAL FLEX PROPERTIES RENT", -3400, 79535.77 ], [ "2026-09-01", "QT 0233 TULSA OK", -108.78, 79426.99 ], [ "2026-09-02", "BANKCARD DEP MID x0193", 3202.85, 82629.84 ], [ "2026-09-02", "MOBILE DEPOSIT CHECK", 2669.27, 85299.11 ], [ "2026-09-02", "PLAINS HVAC SUPPLY ACH INV PMT", -8072.31, 77226.8 ], [ "2026-09-02", "QT 0412 TULSA OK", -110.13, 77116.67 ], [ "2026-09-03", "BANKCARD DEP MID x0193", 3324.83, 80441.5 ], [ "2026-09-03", "HOME IMPROVEMENT LOAN FUNDING", 8405.88, 88847.38 ], [ "2026-09-03", "BANKCARD FEES MID x0193", -3316.24, 85531.14 ], [ "2026-09-04", "BANKCARD DEP MID x0193", 3434.65, 88965.79 ], [ "2026-09-04", "PAYROLL SVC NET PAY", -20338.04, 68627.75 ], [ "2026-09-04", "PAYROLL SVC TAX IMPOUND", -7216.96, 61410.79 ], [ "2026-09-04", "QT 0233 TULSA OK", -81.59, 61329.2 ], [ "2026-09-04", "LOWE'S #1642 TULSA OK", -466.66, 60862.54 ], [ "2026-09-05", "COMMERCIAL VEHICLE FIN PMT", -2862.4, 58000.14 ], [ "2026-09-07", "BANKCARD DEP MID x0193", 8068.75, 66068.89 ], [ "2026-09-07", "QT 0687 BROKEN ARROW OK", -82.22, 65986.67 ], [ "2026-09-07", "QT 0233 TULSA OK", -59.92, 65926.75 ], [ "2026-09-07", "LOWE'S #1642 TULSA OK", -512.41, 65414.34 ], [ "2026-09-08", "BANKCARD DEP MID x0193", 5249.85, 70664.19 ], [ "2026-09-08", "MOBILE DEPOSIT CHECK", 432.46, 71096.65 ], [ "2026-09-09", "BANKCARD DEP MID x0193", 4992.28, 76088.93 ], [ "2026-09-09", "PLAINS HVAC SUPPLY ACH INV PMT", -7487.18, 68601.75 ], [ "2026-09-09", "QT 0233 TULSA OK", -112.19, 68489.56 ], [ "2026-09-10", "BANKCARD DEP MID x0193", 3976.99, 72466.55 ], [ "2026-09-10", "BUSINESS INSURANCE PREMIUM", -1638, 70828.55 ], [ "2026-09-11", "BANKCARD DEP MID x0193", 4640.34, 75468.89 ], [ "2026-09-11", "VOIP BUSINESS PHONE SETUP", -149, 75319.89 ], [ "2026-09-11", "QT 0412 TULSA OK", -131.11, 75188.78 ], [ "2026-09-11", "QT 0233 TULSA OK", -111.8, 75076.98 ], [ "2026-09-14", "BANKCARD DEP MID x0193", 9507.27, 84584.25 ], [ "2026-09-14", "MOBILE DEPOSIT CHECK", 538.71, 85122.96 ], [ "2026-09-14", "PLAINS HVAC SUPPLY #3 TULSA OK", -278.04, 84844.92 ], [ "2026-09-15", "BANKCARD DEP MID x0193", 2785.92, 87630.84 ], [ "2026-09-15", "PSO ONLINE PMT", -284.6, 87346.24 ], [ "2026-09-15", "IRS USATAXPYMT", -11200, 76146.24 ], [ "2026-09-15", "QT 0687 BROKEN ARROW OK", -121.99, 76024.25 ], [ "2026-09-15", "LOWE'S #1642 TULSA OK", -494.84, 75529.41 ], [ "2026-09-15", "PLAINS HVAC SUPPLY #3 TULSA OK", -709.36, 74820.05 ], [ "2026-09-16", "BANKCARD DEP MID x0193", 4975.1, 79795.15 ], [ "2026-09-16", "PLAINS HVAC SUPPLY ACH INV PMT", -8517.54, 71277.61 ], [ "2026-09-16", "FLEET GPS TRACKING SVC", -185, 71092.61 ], [ "2026-09-16", "QT 0412 TULSA OK", -81.31, 71011.3 ], [ "2026-09-17", "BANKCARD DEP MID x0193", 3294.63, 74305.93 ], [ "2026-09-17", "MOBILE DEPOSIT CHECK", 667.47, 74973.4 ], [ "2026-09-17", "HOME IMPROVEMENT LOAN FUNDING", 11011.61, 85985.01 ], [ "2026-09-17", "THE HOME DEPOT #3907 TULSA OK", -206.16, 85778.85 ], [ "2026-09-18", "BANKCARD DEP MID x0193", 4250.08, 90028.93 ], [ "2026-09-18", "PAYROLL SVC NET PAY", -21355.47, 68673.46 ], [ "2026-09-18", "PAYROLL SVC TAX IMPOUND", -7340.08, 61333.38 ], [ "2026-09-18", "FIELD SERVICE SOFTWARE SUB", -349, 60984.38 ], [ "2026-09-18", "QT 0687 BROKEN ARROW OK", -117.7, 60866.68 ], [ "2026-09-18", "QT 0687 BROKEN ARROW OK", -103.93, 60762.75 ], [ "2026-09-20", "OK TAX COMMISSION SALES TAX", -2425.47, 58337.28 ], [ "2026-09-21", "BANKCARD DEP MID x0193", 4461.57, 62798.85 ], [ "2026-09-21", "MOBILE DEPOSIT CHECK", 3706, 66504.85 ], [ "2026-09-21", "QT 0687 BROKEN ARROW OK", -118.36, 66386.49 ], [ "2026-09-21", "THE HOME DEPOT #3907 TULSA OK", -92.59, 66293.9 ], [ "2026-09-22", "BANKCARD DEP MID x0193", 3837.24, 70131.14 ], [ "2026-09-22", "MOBILE DEPOSIT CHECK", 2275.15, 72406.29 ], [ "2026-09-22", "BUSINESS CARD AUTOPAY x4410", -3374.43, 69031.86 ], [ "2026-09-22", "THE HOME DEPOT #3907 TULSA OK", -511.25, 68520.61 ], [ "2026-09-22", "PLAINS HVAC SUPPLY #3 TULSA OK", -704.54, 67816.07 ], [ "2026-09-23", "BANKCARD DEP MID x0193", 2648.35, 70464.42 ], [ "2026-09-23", "PLAINS HVAC SUPPLY ACH INV PMT", -8912.83, 61551.59 ], [ "2026-09-23", "QT 0233 TULSA OK", -105.42, 61446.17 ], [ "2026-09-23", "THE HOME DEPOT #3907 TULSA OK", -461.99, 60984.18 ], [ "2026-09-24", "BANKCARD DEP MID x0193", 2191.96, 63176.14 ], [ "2026-09-24", "MOBILE DEPOSIT CHECK", 3620.94, 66797.08 ], [ "2026-09-24", "QT 0412 TULSA OK", -109.92, 66687.16 ], [ "2026-09-25", "BANKCARD DEP MID x0193", 4885.47, 71572.63 ], [ "2026-09-25", "MOBILE DEPOSIT CHECK", 2153.65, 73726.28 ], [ "2026-09-25", "TRANSFER TO CHECKING x1180 C OKAFOR", -9000, 64726.28 ], [ "2026-09-25", "QT 0687 BROKEN ARROW OK", -107.82, 64618.46 ], [ "2026-09-26", "VOIP BUSINESS PHONE", -189.5, 64428.96 ], [ "2026-09-27", "WASTE MGMT COMMERCIAL", -92.71, 64336.25 ], [ "2026-09-28", "BANKCARD DEP MID x0193", 9608.84, 73945.09 ], [ "2026-09-28", "QT 0233 TULSA OK", -120.41, 73824.68 ], [ "2026-09-28", "LOWE'S #1642 TULSA OK", -440.08, 73384.6 ], [ "2026-09-29", "BANKCARD DEP MID x0193", 4293.77, 77678.37 ], [ "2026-09-29", "HOME IMPROVEMENT LOAN FUNDING", 11516.52, 89194.89 ], [ "2026-09-29", "QT 0412 TULSA OK", -114.89, 89080 ], [ "2026-09-29", "PLAINS HVAC SUPPLY #3 TULSA OK", -766.66, 88313.34 ], [ "2026-09-30", "BANKCARD DEP MID x0193", 5180.59, 93493.93 ], [ "2026-09-30", "PLAINS HVAC SUPPLY ACH INV PMT", -9160.16, 84333.77 ], [ "2026-09-30", "QT 0233 TULSA OK", -137.68, 84196.09 ], [ "2026-10-01", "BANKCARD DEP MID x0193", 3230.06, 87426.15 ], [ "2026-10-01", "QT 0687 BROKEN ARROW OK", -78.35, 87347.8 ], [ "2026-10-01", "QT 0412 TULSA OK", -123.2, 87224.6 ], [ "2026-10-02", "BANKCARD DEP MID x0193", 4187.37, 91411.97 ], [ "2026-10-02", "PAYROLL SVC NET PAY", -19918.34, 71493.63 ], [ "2026-10-02", "PAYROLL SVC TAX IMPOUND", -7083.73, 64409.9 ], [ "2026-10-02", "QT 0412 TULSA OK", -91.5, 64318.4 ] ] } }, "device_and_session": { "device_id": "dev_41be07a9c2d6", "device": "iPad (iPadOS 18), Safari, language en-US, timezone America/Chicago", "device_first_seen_at_our_platform": "2026-10-05 (this session); the account was created on it", "fingerprint_integrity": "No spoofing detected", "ip_address": "198.51.100.62", "ip_type": "Residential broadband (cable ISP), Broken Arrow, OK; no proxy, VPN or hosting", "local_time_at_submission": "22:29 (America/Chicago)", "navigation": "Touch; fields filled in order, with corrections", "started_at": "2026-10-05T03:14:06Z", "submitted_at": "2026-10-05T03:29:43Z", "duration_minutes": 15.6, "median_duration_minutes_for_this_form": 23, "fields_typed": 26, "fields_pasted": 0, "times_left_page": 1, "events": { "columns": [ "offset_s", "page", "field", "event", "detail" ], "rows": [ [ 0, "Create your account", "", "page_view", "" ], [ 10, "Create your account", "email", "typed", "31 keys in 7.9 s, 1 correction" ], [ 23.9, "Create your account", "password", "typed", "15 keys in 4.6 s, 1 correction" ], [ 60.5, "Create your account", "phone_code", "entered", "SMS one-time code to (918) 555-0134 entered correctly" ], [ 69.9, "Business type", "", "page_view", "" ], [ 74.7, "Business type", "business_type", "selected", "LLC" ], [ 91.2, "Business type", "products", "selected", "Card readers (2); payment links and invoices; recurring billing" ], [ 101.1, "Business details", "", "page_view", "" ], [ 111.1, "Business details", "legal_name", "typed", "32 keys in 8.8 s, 1 correction" ], [ 122.7, "Business details", "dba", "typed", "20 keys in 5.5 s, 0 corrections" ], [ 131.3, "Business details", "entity_type", "selected", "LLC" ], [ 139.2, "Business details", "state_of_formation", "selected", "Oklahoma" ], [ 156.4, "Business details", "date_formed", "typed", "14 keys in 4.0 s, 2 corrections" ], [ 163.2, "Business details", "ein", "left_page", "switched to another app" ], [ 210.8, "Business details", "ein", "returned", "after 41.0 s" ], [ 225, "Business details", "ein", "typed", "12 keys in 3.2 s, 1 correction" ], [ 240.3, "Business details", "business_address", "typed", "34 keys in 8.9 s, 0 corrections" ], [ 257.1, "Business details", "business_phone", "typed", "16 keys in 4.4 s, 1 correction" ], [ 273.2, "Business details", "website", "typed", "28 keys in 7.9 s, 0 corrections" ], [ 285.9, "Business details", "mcc_search", "typed", "13 keys in 3.7 s, 1 correction" ], [ 380.7, "Business details", "business_description", "typed", "312 keys in 88.1 s, 0 corrections" ], [ 389.5, "Processing", "", "page_view", "" ], [ 393.7, "Processing", "monthly_volume", "typed", "8 keys in 1.9 s, 1 correction" ], [ 405, "Processing", "average_ticket", "typed", "5 keys in 1.4 s, 1 correction" ], [ 415.5, "Processing", "highest_ticket", "typed", "6 keys in 1.8 s, 0 corrections" ], [ 433.8, "Processing", "channels", "selected", "Card present 68%, invoices and payment links 32%" ], [ 444.1, "Processing", "recurring", "selected", "Maintenance plans, $19.99 a month" ], [ 453, "Processing", "previous_processor", "selected", "Yes, since 2018" ], [ 525.9, "Processing", "statements_upload", "uploaded", "6 PDF statements, April to September 2026" ], [ 536.2, "Owners", "", "page_view", "" ], [ 543.7, "Owners", "owner_name", "typed", "18 keys in 4.9 s, 0 corrections" ], [ 556.7, "Owners", "owner_dob", "typed", "10 keys in 2.8 s, 0 corrections" ], [ 567.5, "Owners", "owner_ssn", "typed", "11 keys in 3.1 s, 1 correction" ], [ 585.5, "Owners", "owner_home_address", "typed", "45 keys in 13.0 s, 2 corrections" ], [ 595.6, "Owners", "owner_ownership_pct", "typed", "2 keys in 0.5 s, 0 corrections" ], [ 613.2, "Owners", "owner_email", "typed", "26 keys in 7.9 s, 0 corrections" ], [ 631.1, "Owners", "more_owners", "clicked", "Add another owner" ], [ 644.3, "Owners", "owner_2_name", "typed", "20 keys in 5.6 s, 1 correction" ], [ 655.3, "Owners", "owner_2_dob", "typed", "10 keys in 2.9 s, 0 corrections" ], [ 667.2, "Owners", "owner_2_ssn", "typed", "9 keys in 2.8 s, 0 corrections" ], [ 692.2, "Owners", "owner_2_home_address", "typed", "41 keys in 11.4 s, 0 corrections" ], [ 700.8, "Owners", "owner_2_ownership_pct", "typed", "2 keys in 0.6 s, 0 corrections" ], [ 710.8, "Payout account", "", "page_view", "" ], [ 716.7, "Payout account", "bank_link", "opened", "Instant account verification window" ], [ 791.2, "Payout account", "bank_link", "completed", "Signed in to a regional bank; business checking x7720 selected" ], [ 801.7, "Review and submit", "", "page_view", "" ], [ 841.9, "Review and submit", "business_description", "edited", "Went back and changed 2 words" ], [ 901.8, "Review and submit", "applicant_notes", "typed", "174 keys in 49.7 s, 3 corrections" ], [ 924.6, "Review and submit", "attestations", "checked", "Owner certification and terms" ], [ 937, "Review and submit", "submit", "clicked", "" ] ] } }, "links_to_other_applications": { "summary": { "same_device": 0, "same_ip_last_30_days": 0, "same_phone": 0, "same_email_or_email_domain": 0, "same_owner_ssn": 0, "same_ein": 1, "same_bank_account": 0, "same_address": 0, "same_website_text": 0 }, "linked": [ { "merchant": "Okafor Mechanical Services LLC", "link": "Same EIN and owner", "applied": "2024-02-12", "outcome": "Withdrawn by the applicant before review: 'Staying with our current provider for now.'" } ] }, "rules_and_scores": { "onboarding_risk_score": { "score": 212, "scale": "0-999, higher is riskier" }, "rules_fired": [ [ "KYB-133", "Registry shows a lapse in good standing in the last 5 years" ], [ "KYB-140", "Payout account owner name differs from the legal name" ], [ "WEB-212", "Website domain registered less than 90 days ago" ], [ "APP-418", "Highest ticket over $10,000" ], [ "PHN-503", "Business phone ported in the last 60 days" ], [ "DEV-311", "New device; submitted between 10 pm and 5 am local time" ] ] }, "contact_history": [], "decision_request": { "stage": "Submission; all automated checks returned; routed to underwriting by rules", "requested_at": "2026-10-05T03:30:44Z", "on_approval": "Account live; card readers shipped; payouts 2 business days after capture; monthly limit set from the statements" } }, "questions": { "real_business": { "type": "noul", "instructions": "Is the applicant a real business that is actually operating (or genuinely preparing to open), applying through someone who owns or runs it? Answer no for a business that exists only on paper or as a website with no real operations, and for a real business applied for by someone who doesn't own or run it." }, "line_of_business": { "type": "choice", "instructions": "Judging from the website, listings, reviews, processing and bank records rather than the form alone, how does what this business really sells, or will sell, compare with its application, under our policy's prohibited and restricted lists?", "criteria": { "as_stated": "It sells what the application says, on the terms the application describes (including a restricted line the application declared)", "riskier_than_stated": "It sells something riskier than the application says, or on riskier terms, such as an undeclared restricted line, free trials that roll into recurring billing, or long delivery times, but nothing on our prohibited list", "prohibited": "Some of what it sells, or how it sells it, is on our prohibited list, whatever the application says" } }, "fraud_likelihood": { "type": "score", "instructions": "How likely is it that this application is fraudulent: a shell or made-up business, a real business applied for by someone who doesn't own or run it, or a business set up to take card payments it will not honor, or to put stolen-card payments through, and leave the losses with us (a bust-out)?", "criteria": [ "Very unlikely (under 10%)", "Unlikely (10-40%)", "Uncertain (40-60%)", "Likely (60-90%)", "Very likely (over 90%)" ] }, "decision": { "type": "choice", "instructions": "What should our underwriting team do with this application now?", "criteria": { "approve": "Approve on our standard terms", "approve_with_limits": "Approve with conditions: a rolling reserve, a lower monthly processing limit, delayed payouts, keyed entry turned off, or removing a product or offer", "request_documents": "Hold the application and ask for documents or a call before deciding (for example ID and selfie verification of the owners, bank or processing statements, supplier invoices, or a call to the business's publicly listed phone number)", "decline": "Decline the application" } } } }