Most processors treat your business as a transaction: a rate, an account number, a 1-800 number when something breaks. We built Pacta to be the processor that shows up.
In-person businesses, the liquor stores, smoke shops, markets, repair shops, and bars that make up Main Street, get the worst deal in payments. They pay the highest effective rates, wait the longest for their money, and get the least support. The big processors are built for software companies and online checkouts, not for the counter.
We thought that was backwards. So we built a payments company specifically for businesses that take cards in person: dual pricing that keeps card fees out of your pocket, a free terminal that arrives ready to run, next-business-day funding, and a real person who knows your account.
Processing fees quietly take 3 to 4% of every sale. Dual pricing takes that to zero, legally, transparently, and optionally. It's the single biggest lever most counter businesses have never pulled.
Waiting two or three days for your own money is a cash-flow tax. Qualifying Pacta merchants are funded the next business day, so your deposits keep pace with your business.
When your terminal goes down during a rush, you don't need a ticket number. You need someone who knows your account and picks up. Every Pacta merchant gets a real human, not a queue.
Jacob Hagman, founder. Jacob reads every application himself, runs the discovery calls, and gives every merchant his direct line: (214) 972-2423. When the site says a real person answers, he is the person. Based in Dallas, working with counters across Texas and beyond.
One relationship. Built to last. That's not a tagline. It's the entire reason the company exists.
Dual pricing eliminates your processing cost. You keep 100% of every sale.
Next business day funding for qualifying merchants. Your money, on a predictable schedule.
Your terminal ships activated with your prices programmed. A real person walks your staff through everything the same day, and answers when you call. Always.
Thirty minutes on a call and we'll show you the real numbers.