Agent Credentials & Qualifications

01 // Entity Information

02 // ISO Agent Status

MEnterprise Firm Inc. operates as an independent ISO agent under formal agent marketing agreements with acquiring banks and ISO partners. We are authorized to market merchant processing services and refer merchant applications for underwriting.

Agent agreements are executed under formal DocuSign-executed contracts. Copies available upon request to qualified ISO partners and acquiring banks conducting due diligence.

03 // Merchant Verticals Served

We specialize in high-risk and regulated merchant verticals that mainstream payment processors decline. All merchants we refer operate legally under applicable federal and state law and are required to demonstrate compliance before application submission.

04 // Merchant Application Infrastructure

We operate a proprietary merchant qualification and application platform at apply.mefdup.com, purpose-built for high-risk merchant onboarding. This infrastructure represents meaningful differentiation through ensuring all needed merchant information is collected before submission.

Application Intake

• 4-step guided wizard capturing all standard merchant application data
• Mandatory fields align with standard ISO underwriting requirements including MCC validation, routing number verification, and secure document upload
• Auto-save at every step – applications can be resumed via session token
• Electronic signature with ESIGN Act-compliant process (typed legal name, IP capture, timestamp embedding)
• Locked PDF generated immediately upon submission – immutable record
• Public verification system — any party can verify application authenticity without accessing PII

Pre-Submission Compliance Screening

• Automated compliance scan runs against every merchant’s website upon application submission
• 300+ rulesets covering processor underwriting requirements across all served verticals
• Results reviewed by MEnterprise Firm Inc. before any application is submitted to an ISO partner
• Merchants with critical compliance issues are flagged and required to correct before submission — we do not submit applications we expect to fail due to preventable compliance gaps

Application Quality Controls

• All applications reviewed before submission
• No application is submitted to an ISO partner without staff review and explicit approval
• ISO packages delivered as AES-256 encrypted archives via Resend to partner contact – no unencrypted sensitive data transmitted via email
• Full audit trail maintained for every application: all status changes, access events, and submission timestamps logged

05 // Data Handling for ISO Partners and Banks

The following summarizes how we handle merchant application data relevant to ISO partners and acquiring banks evaluating us as a referral source:

• Document storage: Encrypted cloud storage, access-controlled with full audit logging
• Financial data masking: Bank routing and account numbers masked to last 4 digits in all internal operational systems. Full numbers retained only in the locked application PDF.
• Package delivery: ISO submission packages built as ZIP archives, AES-256 encrypted with a per-partner shared password before transmission
• Retention: Application records retained 7 years per standard ISO requirement
• Access controls: Row-level security (deny-all default) on all database tables. Staff access via authenticated API key. No public data exposure.

Full details available in our Data Security Policy.

06 // Technology Products Offered to Merchants

Beyond merchant account referrals, we offer the following technology products. These are disclosed for ISO and bank due diligence transparency – they do not represent processing services:

Important: None of these products constitute payment processing, money transmission, or acquiring bank services. They are software and infrastructure tools. Payment processing relationships are between merchants and the acquiring banks or processors with which we place them.

07 // Compliance Commitments

As an ISO agent, MEnterprise Firm Inc. is committed to the following:

• Submitting only merchant applications from businesses operating legally under applicable federal and state law
• Accurately representing merchant business type, product category, and processing volume in all applications
• Promptly notifying ISO partners of any material changes to referred merchants’ business operations that come to our attention
• Compliance with card brand rules (Visa, Mastercard, Discover, American Express) and applicable banking regulations
• Maintenance of an Acceptable Use Policy for all technology services we operate
• Non-discrimination in accepting merchant applications — we evaluate merchants on legal eligibility and compliance, not on protected class characteristics

08 // Contact for Due Diligence Inquiries

ISO partners, acquiring banks, or other parties conducting due diligence on MEnterprise Firm Inc. may contact:

Michael Fluet, Founder
MEnterprise Firm Inc.
Warren, Ohio
Email: cash@mef.money
Phone: 724-508-3233

We respond to inquiries within 2 business days. Copies of ISO agent agreements, entity formation documents, and W-9 are available to verified ISO partners and acquiring banks upon request.