Hi there, @azpeitia.

Thank you for reaching out to the Community. I can share some insights about the payments onboarding process.

Entering the owner's credential during the "application" process is required for the verification of our clients. In your case, I'd advise calling our Merchant Services Department. They can provide you the available options on how to set up your account.

Please open this link and go to the QuickBooks Payments support section.

Feel free to reach back out if you have any other questions, I’d be glad to help you more. Have a good one and take care!