Sign Up – Lubao LLC

Pricing program & products

Choose how you'd like to handle processing costs, then pick your equipment and any add-on products.

Pricing Program *

Traditional (Interchange Plus) Transparent line-item pricing — you pay the processing costs.

RewardPay Choice Surcharging — pass 50–70% of credit processing costs to the cardholder. Not available in CT, MA, or ME. Max 2% in OK.

ConsumerChoice Dual pricing — show card and cash prices, eliminate up to 100% of processing costs.

Add-on products (optional)

Roc Services All-in-one field services Roc Giving Nonprofit donations Payroc Gateway E-commerce gateway FluidPay Cloud gateway & e-invoicing Biller Genie Automated AR 3D Secure E-commerce fraud prevention

Business information

Enter your business details as they should appear on your merchant application.

Doing Business As (DBA) name *

Business phone *

Contact email *

Business street address * (no PO boxes)

City *

State *

ZIP *

Website

Type of products/services sold *

Legal business name (if different from DBA)

Taxpayer ID / EIN *

Date business established *

Organizational structure *

I have a different billing / mailing address

Processing & sales details

Tell us how your business accepts payments and your expected volumes.

Payment card acceptance

Select the card types you want to accept.

Standard card acceptance *

Visa MasterCard Discover American Express OptBlue

Debit & benefit cards

Debit Cards HSA / FSA

EBT

Electronic Benefits Transfer (EBT)

Specialty cards (if applicable)

WEX Fleet Voyager Other Fleet Cards

Owner / principal information

Provide details for the primary business owner and anyone else with 25%+ ownership.

Primary owner (control prong)

First name *

Last name *

Date of birth *

SSN *

Ownership % *

Email *

Home street address *

City *

State *

ZIP *

Business phone

Mobile number

Additional beneficial owners

Do any other individuals own 25% or more of the business?

No Yes

Bank account information

This is where your deposits will be sent. Please double-check every digit.

Heads up: We ask you to enter your routing and account numbers twice for verification. Please re-enter from the original document (check or bank letter) rather than copying from the field above.

Name on bank account *

Routing (ABA) number *

Confirm routing number *

Account number *

Confirm account number *

Review your application

Confirm everything looks correct. Click any section heading to go back and edit.

By submitting, you authorize Lubao LLC and its partners to verify the information provided, perform credit checks as required for underwriting, and contact you regarding your merchant processing application. Your sensitive data is transmitted securely and handled in accordance with our Privacy Policy.

Start the onboarding process

Application submitted