Abstract: A system and method for payment processing system account application, payment processing merchant account application, and payment processing merchant account underwriting is disclosed. A system presents a user interface which collects user data for a single application for a several services in a broad class of services. In an embodiment, the single application is appropriate for applying for automated clearing house (ACH) accounts from multiple ACH processors, and credit card accounts from multiple CC processors. Questions are not duplicated on the form, and only one electronic signature is required for all of the relevant application documents. Embodiments include the system performing prescreening of users to detect non-qualified applicants before submission of the application to processors.