When completing your D-Tools Payments Merchant Application, it is critical that the following financial figures are accurate and based on historical processing data:
Average Monthly Volume (Credit Card and ACH) – The total dollar amount you process each month through Credit Card and ACH
Average Ticket Size – The typical dollar amount of an individual transaction processed through Credit Card and ACH
Maximum Ticket Size – The largest single transaction you process through Credit Card and ACH
These figures are used by the Underwriting and Risk team to properly assess your account and establish appropriate processing thresholds.
Why accuracy matters
Providing inaccurate, underestimated, or inconsistent figures can lead to operational issues after approval. If actual transaction amounts exceed the approved thresholds:
Transactions may be automatically flagged for review
Funds may be temporarily held
Additional documentation may be requested
Deposits may be delayed while Risk re-evaluates the account profile
These safeguards are standard within the payments ecosystem and are designed to protect merchants, cardholders, and the processing network.
High volume merchants
Merchants processing over $100,000 per month or submitting individual transactions of $20,000 or more should review the D-Tools Payments High Volume Merchant Onboarding Checklist.
This checklist outlines additional documentation that may be required during underwriting or if your account is reviewed after approval. Having this information prepared in advance can significantly reduce funding delays.
Best practice
Base all figures on historical data from your current payment processor.
Account for seasonal increases or large project-based invoices.
Ensure your Maximum Ticket reflects the largest realistic transaction you may process.
Notify our Support team proactively if your volume or ticket sizes increase beyond your approved limits.
Submitting accurate financial information upfront helps ensure smooth approvals, predictable funding timelines, and uninterrupted payment processing.
If your processing profile changes after approval, please contact our Support team before running larger transactions so your account can be reviewed and adjusted accordingly.