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: zero processing fees through dual pricing, a free terminal we install ourselves, same-day funding paid by noon, and a real person who knows your account.
Processing fees quietly take 3-4% 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 same day — paid by noon — 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.
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.
Same-day funding for qualifying merchants. Your money, on a predictable schedule.
We install your terminal, train your staff, and answer when you call. Always.
Thirty minutes, a recent statement, and we'll show you the real numbers.