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.
Forage helps online grocers and platforms with setting up EBT payment processing.