Most processors are transactional. Pacta Payments is relational. We eliminate processing costs for in-person businesses, underwrite capital using your real settlement data, and provide the kind of support that most processors stopped offering years ago. One relationship. Built to last.
Dual pricing is a fully legal model supported in all 50 states that shifts your processing fees to card-paying customers. Completely optional — but most businesses that enable it recover thousands every month.
Without Dual Pricing
-3.5%
You absorb the full processing fee on every transaction. On $80,000 per month that is $2,800 coming straight out of your margins every single month.
With Dual Pricing — Optional
$0
Card customers cover the processing fee. Cash customers get a small discount. You keep 100% of every sale. Fully legal, fully supported, completely your choice.
SAVINGS CALCULATOR
Drag the slider to your monthly processing volume.
Monthly Processing Volume
$80,000
Current Monthly Fees
$2,800
at 3.5%
Annual Savings
$33,600
back in your pocket
Completely Optional
You choose whether to enable it. We support both models with no pressure either way.
Fully Compliant
Legal in all 50 states. All compliance and signage handled by Pacta Payments.
Instant Savings
Most businesses that enable it recover thousands per month from day one.
We built Pacta Payments because nothing else came close.
| Feature | Pacta Payments | Square | Stripe |
|---|---|---|---|
| Processing Rate | 0% with dual pricing | 2.6% + $0.10 | 2.9% + $0.30 |
| Dual Pricing Support | ✓ Yes | ✕ No | ✕ No |
| Settlement Speed | Next day | 2 days | 2 days |
| Business Credit Lines | ✓ Yes | ✕ No | ✕ No |
| Consumer Financing | ✓ Yes | ✕ No | ✕ No |
| Equipment Leasing | ✓ Yes | ✕ No | ✕ No |
| Merchant Cash Advances | ✓ Yes | ✕ No | ✕ No |
| Dedicated Support | Real person | Call center | Help docs |
| Hidden Fees | None | Yes | Yes |
Built around your settlement. Managed through one relationship.
We provide payment acceptance across all major card brands, contactless methods, and ACH transfers with next-business-day settlement. Every account is supported by a dedicated contact who knows your business — not a call center. When an issue arises you reach a person, not a queue.
Through our dual pricing program, in-person merchants can eliminate their processing costs entirely. Two prices are displayed at the point of sale — a cash price and a card price. Card-paying customers cover the processing fee transparently. You retain the full value of every transaction. The average in-person Pacta Payments merchant saves between $1,600 and $4,000 per month.
We maintain specialized processing programs for industries that standard processors decline to serve. CBD, nutraceuticals, firearms, adult content, travel, credit repair, subscription commerce, and others. Compliant infrastructure, stable accounts, and a team that understands the regulatory landscape of your business.
Qualified merchants gain access to a full suite of financial tools underwritten against their settlement history — not solely their credit profile. Business credit lines, consumer financing, equipment leasing, merchant cash advances, invoice factoring, and emergency capital are all available. Every product repays automatically through settlement.
Capital and financing products are issued through Pacta Funding LLC and Pacta Credit LLC, which are separate legal entities from Pacta Payments LLC.
Dual pricing is a transparent, fully compliant pricing structure that shifts the cost of card acceptance to card-paying customers — with their full knowledge and consent.
Your products and services are assigned a cash price and a card price. The card price incorporates the processing fee, which is calculated and displayed in compliance with all applicable card network regulations. No hidden fees. No retroactive charges. Full transparency at every point of contact.
At checkout, customers see both prices clearly displayed and select their preferred payment method. Cash customers pay the lower price. Card customers pay the card price, which includes the processing fee as part of the transaction. The choice belongs to the customer.
Because the processing cost is incorporated into the card price, your net settlement reflects the full value of the transaction. Your account is credited the following business day. There is nothing deducted for processing on qualifying in-person transactions.
Dual pricing applies to in-person card-present transactions. E-commerce and card-not-present transactions are processed under standard rate structures. All programs are implemented in compliance with Visa, Mastercard, and applicable state regulations.
Your settlement history is the most accurate representation of how your business performs. We use it to underwrite capital and financial products that traditional lenders are not structured to offer.
The following products are offered through Pacta Funding LLC and Pacta Credit LLC. Availability subject to underwriting approval.
We underwrite revolving credit facilities from $10,000 to $500,000 using your verified settlement history in addition to traditional credit indicators. Approval decisions are issued faster than conventional bank timelines. Repayment is structured as an automatic deduction from your daily settlement — no manual payments, no missed obligations.
Merchants that offer financing options consistently see higher average transaction values and improved close rates on higher-ticket services. We provide consumer financing programs that allow your customers to pay over time while you receive payment immediately. The program integrates with your existing checkout process and settles automatically.
We finance equipment acquisitions from $5,000 to $500,000 across terms of 12 to 60 months. The monthly obligation is deducted automatically from your settlement, which eliminates the administrative burden of managing a separate payment. At the conclusion of the term, ownership transfers to you.
We advance up to $250,000 against projected future settlement volume with underwriting decisions issued within 24 hours. Repayment is structured as a fixed daily percentage of your settlement — a structure that scales with your revenue rather than imposing a fixed payment regardless of business conditions.
For businesses operating on net payment terms, we advance up to 90 percent of outstanding invoice value upon verification. You access working capital immediately rather than waiting 30, 60, or 90 days for customer payment. The factoring fee is deducted automatically upon collection — nothing to reconcile manually.
We provide same-day capital disbursements from $1,000 to $5,000 for merchants experiencing short-term cash flow gaps. The disbursement is repaid automatically from your next settlement with a fixed flat fee. No formal application process is required for qualified active merchants.
Every Pacta Payments merchant is assigned a dedicated account contact responsible for their relationship. That individual is reachable directly — not through a general support line. When your business has a question or an issue requires resolution, you speak with someone who knows your account.
Settlement is credited to your designated account on the following business day for qualifying transactions. We do not impose rolling reserves or extended settlement delays on standard merchant accounts without disclosed justification. Your funds move on a predictable, reliable schedule.
We support all major card networks including Visa, Mastercard, American Express, and Discover, as well as contactless payments, mobile wallets, and ACH transfers. Merchants do not need to manage separate processing relationships for different payment types.
Every fee, repayment obligation, and financial product deduction is processed automatically through your settlement. You do not receive invoices from Pacta Payments or its affiliated entities. Your statement reflects all activity with complete transparency.
Applications are reviewed individually by our merchant services team. Standard approvals are issued within one business day. Specialized and high-risk applications are typically reviewed within 48 hours.
All industries welcome. Prior processing history does not disqualify an application.