Candidates have the option to pay for their certification prior to submitting their Certification Application however, the application process will not be completed until the Certification Application has been submitted and approved by ACAMS. An approved application is required in order for a candidate to schedule and take their exam, and Candidates will have 6 months from the approval date to pass their exam. Alternatively, Candidates can access their study materials upon payment of the package and begin their studying prior to submitting their application.