Merchant Account for Moving Companies (Instant Approval)

Moving companies face rising customer demands, and complex payment needs around the clock. Your business needs a reliable, secure way to collect deposits, in-transit balances, and final invoices without delays or hidden fees.  2Accept offers fast application review, robust fraud protection, and truck-side card acceptance, all designed for movers. 

Scale Your Moving Company With a High-Risk Merchant Account

Your moving business deserves payment tools as flexible and mobile as you are. Our high-risk merchant accounts empower moving companies to accept credit, debit, ACH, and mobile payments with zero barriers. 

• Instant application review in under five minutes
• 48-hour account activation and funding
• Fraud monitoring tuned to moving vertical patterns
• Unlimited terminals, mobile readers, and virtual gateway access

Why Are Moving Businesses Classified as High-Risk?

Moving companies handle large transaction amounts, unpredictable service environments, and elevated chargeback ratios. Standard processors and gateways lack vertical expertise and often impose rolling reserves, inflated rates, or outright application declines.  Here is what makes moving unique:

Regulatory Complexity

State and local jurisdictions require specific licensing, bonding, and insurance. Generic gateways do not track these rules and reject moving businesses for missing paperwork or unclear coverage.

High-Value Invoices

A single full-service move can run to thousands of dollars. Processors worry that a disputed payment on a large total could trigger costly chargebacks, so they hold funds or impose high flat fees.

Mobile-Based Payments

Moving companies accept payments for pickup, delivery, and storage sites. That demands reliable mobile readers, offline authorization fallbacks, and robust security. Many gateways cannot guarantee uninterrupted service outside an office.

Seasonal Revenue Shifts

Peak moving months generate most of your income, while slower seasons can see revenues drop by 30 percent or more. Traditional processors view this uneven cash flow as a red flag and throttle your processing limits.

Elevated Dispute Risk

Last-minute cancellations, damaged goods claims, and scheduling changes drive higher dispute rates than many other industries. Generic partners punish verticals with frequent claims instead of offering tailored dispute-management support.

2Accept Is Here To Help You Grow Your Moving Company

We speak your language and understand your routes. Our team handles application review, partner-bank funding setup, and ongoing compliance so you can focus on bookings, staffing, and logistics.  Enjoy features designed to boost revenue, protect your bottom line, and simplify every transaction.

Instant 48-Hour Approval

Complete our simple online form in under five minutes. Upload your licenses, proof of insurance, and bank statements. We review and approve your application in as little as 48 hours, with no questions left unanswered.

In-Truck Card Acceptance

Equip every truck with EMV-compliant terminals and mobile readers that accept chip, swipe, and contactless payments. Customers pay on the spot with a single tap or dip.

Online Invoicing & Text-to-Pay

Send branded email or SMS invoices that let customers review charges and pay deposits, balances, or final fees from any device. You get instant notifications and one-click reminders for overdue payments.

ACH & eCheck Processing

ACH & eCheck Processing offer low-cost bank transfers for full-service moves, storage fees, or recurring services. ACH reduces merchant fees, accelerates settlement, and provides an easy alternative for high-value transactions.

Recurring Billing Support

Set up monthly storage plans, packing service subscriptions, or insurance add-ons. Automate billing cycles, handle failed payments with retry logic, and keep revenue flowing without manual intervention.

Advanced Fraud Protection

Our fraud engine uses real-time monitoring, AI-driven risk scoring, and configurable rules to block suspicious transactions before they hit your account. We alert you to anomalies and guide you through chargeback responses.

Dedicated Payment Expert

Work one-on-one with a specialist who is knowledgeable about the moving industry. From rate negotiation to settlement optimization, your account manager provides tailored advice on fees, funding schedules, and dispute prevention.

We Serve the Following Moving and Transport Industries

Our experience spans every corner of the moving world. We know your challenges and have built solutions for each service type:

1. Local and long-distance residential moving
2. Interstate and cross-country haulers
3. Commercial and office relocation services
4. Packing, unpacking, and crating specialists
5. Piano, art, and specialty item movers
6. Vehicle transport and logistics providers
7. Storage facilities and warehousing operators
8. Container and pod service companies
9. Furniture rental and delivery firms
10. Last-mile courier and white-glove transport services

Each vertical benefits from customizable processing limits, flexible settlement options, and dispute-management strategies suited to its unique revenue patterns and risk factors.

Enjoy an Unmatched Range of Payment Processing Solutions

No matter how you manage your fleet, our platform ensures payments flow smoothly with seamless integration, reliable hardware, and transparent pricing. Manage all channels from a single dashboard and optimize costs with our routing and reporting tools.

Multi-Channel Payment Gateway

Consolidate in-person, mobile, and online payments under a single secure gateway. Track all transactions, refunds, and fee breakdowns in one portal.

Virtual Terminal Access

Key in payments manually when internet access is unstable. Keep accepting cards anywhere with any internet-connected device.

Plug-and-Play Software Integration

Link your dispatch or CRM software, website payment page, and POS systems in minutes. No coding required. Orders, invoices, and payment data sync automatically.

Interchange Optimization

Our intelligent routing engine directs debit card transactions over the least costly network. You pay lower processing fees without making any changes.

Bulk Payment Uploads

Process large batches of ACH or card payments for corporate accounts, recurring storage fees, or group moves. Upload a spreadsheet and let our system handle the rest.

Custom Reporting & Analytics

Drill down into transaction volume by route, branch, or service type. Identify peak revenue periods, flag recurring payment failures, and forecast cash flow more accurately.

Streamline Your Moving Business With Us in Just 48 Hours

Our mover-friendly onboarding minimizes downtime so you can keep trucks rolling and invoices closing:

Quick Online Application

Provide basic business details, owner information, and service descriptions. Form flow adapts to your vertical.

Document Upload & Instant Feedback

Snap a photo or upload PDFs of your licenses, bank statements, and proof of insurance. Our system flags missing items in real-time.

Dedicated Funding Strategy Call

Discuss average ticket sizes, seasonal fluctuations, and service packages with your payments expert. We align account settings and funding schedules to your needs.

Account Activation & Credentials

Receive login details for your gateway portal, virtual terminal, and reporting dashboard. All user roles and permissions are set up.

Hardware Delivery & Setup

EMV terminals and mobile card readers ship the same day. Devices arrive preconfigured; just plug in, pair, and swipe.

Go Live & Performance Optimization

Start processing payments. Your account manager monitors transaction trends, fine-tunes fraud rules, and advises on rate improvements. [Apply Now for Instant Approval]

Why Switch to 2Accept for Your Moving Company?

You deserve a payments partner that moves at your pace and understands your operational demands. Here is why hundreds of moving businesses rely on us:

Deep Vertical Expertise

We specialize in high-risk and regulated industries. Our onboarding, risk scoring, and compliance processes are specifically designed for seamless service transitions.

Proven Scale and Reliability

We process billions of dollars for thousands of clients each year. Handle high-value business transactions with confidence and predictable settlement times.

Clear, Upfront Pricing

With 2Accept, you get no hidden markups or surprise fees. Enjoy transparent interchange rates, processor fees, and any partner bank reserves in your dashboard.

Rapid, Real-Time Support

Reach a real human by phone, chat, or email. Get answers on demand and resolve issues before they impact your cash flow.

Flexible, Future-Ready Platform

Add terminals, billing features, analytics modules, or new user roles as your business grows. No migration or redesign is required.

Compliance and Security You Can Trust

We manage PCI-DSS compliance, KYC/AML verification, and regional licensing checks. Stay fully compliant and secure at every turn.

Frequently Asked Questions

Can I create my merchant account?

You can’t set up a merchant account entirely on your own. All merchants work through an acquiring bank or payment provider. With 2Accept, you complete a simple online application, and we handle the bank relationship, application review, and partner-bank funding.

Do I need an LLC to start a moving company?

Unless you formally register under a new structure, your moving business will default to a sole proprietorship or partnership. When launching, many movers choose to form an LLC or incorporate to separate personal liability and present a more professional image.

How fast can I get set up and start accepting payments?

You submit your documents and receive account approval in as little as 48 hours. Terminals ship the same day to help you begin processing payments right away.

What documents are required to complete the application?

You need your mover’s license, three months of recent business bank statements, a voided check, and proof of insurance. Upload PDFs or photos to our portal, and our system instantly flags any missing items.

Can I accept payments both on-site and online?

Yes. You receive EMV-compliant terminals and mobile readers for field transactions, plus a secure payment gateway for online invoicing, text-to-pay links, and a virtual terminal for manual entry.

Are ACH transfers and recurring billing supported?

Absolutely. You can offer ACH and eCheck payments options for significant moves or storage fees and set up automated recurring invoices for subscriptions, packing services, or insurance add-ons.

Are there hidden fees or mandatory rolling reserves?

No. All processing fees, interchange rates, and any partner-bank reserve requirements appear up front in your account dashboard. You always know exactly what you pay.

Upgrade Your Moving Company’s Payment Processing

Ready to transform your payment operations? Improve cash flow, reduce dispute risk, and deliver a seamless checkout experience, all in under 48 hours. Partner with a payments provider built for movers and transport businesses.