Every other processor takes a percentage of your sales. We send you a check every month.
We pay you$240 every month.
$2,880 a year.
Illustrative, assumes a 2.9% current effective rate. If you are already on an interchange-plus contract your number is different, and we will work it out with you on the call.
A modern Android terminal that does everything your counter needs, and arrives pre-configured with your prices, ready to run from the first sale.
Every setup includes a pre-programmed terminal, real staff training, and a direct line to a real person, not a ticket queue.
The program that takes card fees off your bill. Free terminal, arrives ready to run.
A full register for counters that want more than a terminal, on the same zero-fee foundation.
Online ordering that doesn't bleed you on commissions. Orders across every channel, one place.
Log in from any device and see exactly where your money is. Deposits, batches, disputes, and summaries, all in plain language.
Every Pacta merchant gets a dedicated contact who knows your business. Reach them directly, not through a general line. When something needs resolving, you talk to someone who knows your account, not a queue.
Close out at the end of the night and the money is there the same business day, not "2 to 3 business days." No rolling reserves or surprise delays on standard accounts. Your money moves on a predictable schedule.
No waiting on anyone, and no manual-in-a-box either. Your terminal arrives activated with your prices programmed. Plug it in, and a real person gets your staff comfortable the same day. Hardware issue, ever? A replacement is overnighted. Nobody gets left alone with a box.
If your processor has ever frozen your account or made you jump through hoops, we're the opposite: stable accounts, compliant infrastructure, and a team that actually understands your business.
Pacta works for any business that accepts cards at a counter or in the field, full stop. These are just the industries where we see owners save the most.
High volume and thin margins, so every point matters.
Stable accounts for shops other processors freeze without warning.
Independent and international markets running serious daily volume.
Big tickets where 3 to 4% is real money. Keep all of it instead.
Fast terminals that run tabs, take tips, and survive a Friday-night rush.
Salons, repair, retail, services. If customers tap, swipe, or insert, you're covered.
Everything above happens without you changing anything. If you want to go further, there is a second program that changes who pays the card fee. Your card price and your cash price differ by the cost of acceptance, and card customers cover it.
It is optional. It is not right for every business, and there are states and situations where we will tell you not to run it. It has no effect on the 0.3% we pay you, that number is the same either way. You can turn it on any time after you are live, or never.
Nothing gets added at the register. The card price is the price on the tag, and the terminal rings the number your customer already saw. Gas stations have posted two prices for fifty years and nobody thinks twice about it.
Dual pricing applies to in-person, card-present transactions and is fully optional. All programs are implemented in compliance with Visa, Mastercard, and applicable state regulations.
$24.99 a month, all in: terminal, PCI, gateway, support, and a person who answers the phone. Your processing rate is whatever you are paying today, we match it. If you are on Clover, Toast, or a tiered ISO deal you are already paying a monthly, usually more than this.
Processing costs on refunds. That is the whole of it. Anyone telling you a card program is free is leaving something out.
| What you get | Pacta Payments | Square | Stripe |
|---|---|---|---|
| What card fees cost you | 0% with dual pricing* | 2.6% + $0.10 | 2.9% + $0.30 |
| Terminal | Free, arrives ready | You buy it | You buy it |
| Setup & migration | Done for you | DIY | DIY |
| Funding speed | Same business day | 1 to 2 business days | 2 business days |
| Dual pricing support | Yes, fully managed | No | No |
| Support | A real person, 24/7 | Standard support | Standard support |
| High-risk & regulated | Yes | Limited | Limited |
| Monthly minimums & junk fees | None | Varies | Varies |
* You still pay on refunds, on tips added after the sale, and a monthly cost for the program. Dual pricing covers the card fee on sales you take in person.
Same-day funding is available on qualifying accounts and is subject to your sponsor bank and daily close-out cutoff times. Funds do not move on weekends or federal holidays. Competitor rates shown are their advertised rates, before the per-swipe cents and monthly charges. Competitor details reflect published standard pricing and may change. Verified August 2026.
Plain-English guides on dual pricing, processing fees, and getting paid faster. Written for owners, not bankers.
What dual pricing is, how it differs from adding a fee at checkout, and why it's legal in all 50 states when the card price is the posted price.
Read the guide →
The line items processors bury, what each one means, and which you can kill outright.
Read the guide →
Why funding speed matters more than most owners realize, and how to get your money the same day.
Read the guide →Hop on a call and we'll pull apart what you're really paying now, and what you'd keep with Pacta. Standard approvals issued within one business day. Prior processing history doesn't disqualify you.