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What explains the difference in availability of EBT acceptance between convenience stores and online retailers?
Justin Intal
Co-founder & CEO at Forage
It’s a heavy load on the compliance aspect. The guide to help merchants understand the rules of getting government approval is 133 pages. We broke it down into a three-step process: operations, compliance and technology. The operations step involves sending a letter of intent that a merchant wants to accept EBT. Then, creating a business requirement document (BRD) that lays out a framework of how the website or mobile app will work. Those are then submitted to the government for approval, and then they can implement Forage as a third-party payment processor, or TPP.
The system is complex: for instance, that BRD is about fifty pages long, it’s essentially a manifesto on how each company works for consumers. But we’re breaking it down for users as much as we can. Forage’s API is as easy as implementing Stripe, it’s just a few lines of code. The only other existing provider is an old legacy provider that just does not do the process justice.