Hi all, We are a startup business selling wholesale and retail. Considering accepting both eWay and PayPal through the retail website and bank deposits for wholesale. eWay required us to setup a merchant facility with Westpac. So, we moved our business banking to Westpac over the weekend. This morning, I got a note from Westpac saying they've rejected the merchant facility application and we may apply after 6 months. Reading about this online shows its a common issue for start-ups and once you get rejected a few times, its really hard to get a merchant facility with any bank (a bit like credit risk assessment I think). The weird thing is, they did not ask for any supporting docs at all, not even business plans. PayPal is straight forward and don't need a merchant facility. So, we can keep going with that while we kick start the business and build a trading history, but thought it may be worth posting in this forum. Any ideas or pointers would be much appreciated.