One application. One relationship. Everything handled through your settlement automatically.
Fill out our application and tell us about your business. We review every application personally — not by algorithm. Most merchants receive a decision within 24 hours. High-risk and regulated businesses typically hear back within 48 hours.
If you take in-person payments our team sets up dual pricing for you. This is what eliminates your processing fees entirely.
We set up your payment terminal to display two prices — a cash price and a card price. The card price includes the processing fee built in. This takes less than 24 hours.
At checkout your customers see both prices and choose how they want to pay. Cash customers pay less. Card customers pay slightly more for the convenience. No surprises. No hidden fees.
The processing cost is covered by card customers. Your settlement hits your account the next business day — the full amount, with nothing deducted for processing.
E-commerce and high-risk merchants are set up with standard compliant processing rates. Dual pricing is available for in-person transactions only.
Once you are live with Pacta Payments your daily settlement is more than a deposit. It is the foundation of every financial product we offer. Everything is built around it. Everything settles through it. Nothing requires a bank, a loan application, or a separate account.
Working capital from $10,000 to $500,000 approved using your real settlement history — not just your credit score. Repayment comes out of your settlement automatically.
Let your customers pay over time for any service or product. You get paid immediately. Everything settles automatically.
Finance any equipment from $5,000 to $500,000 over 12 to 60 months. Monthly payments come out of your settlement — you barely notice them.
Up to $250,000 against your future settlements with a decision in 24 hours. A small automatic daily percentage of your settlement repays it — it scales with your revenue.
Get up to 90% of outstanding invoice value immediately instead of waiting 30, 60, or 90 days. The fee settles automatically when your customer pays.
$1,000 to $5,000 same-day when you need it. Comes back out of your next settlement with a flat fee. No application. No waiting.
Capital and financing products are offered through Pacta Funding LLC and Pacta Credit LLC — separate entities from Pacta Payments LLC. Available to qualified merchants.
Every Pacta Payments merchant gets a dedicated account contact who knows your business. When something goes wrong you call us and we pick up. When you need a financial product we connect you directly. When you have a question you get an answer the same day.
No offshore call centers. No ticket queues. A real person who picks up the phone and knows your account.
Your money hits your account every business day. No holds. No delays. No surprises.
Every fee, repayment, and deduction comes out of settlement automatically. You never write a check or receive an invoice from Pacta Payments.
Apply takes 5 minutes. Most merchants are approved in 24 hours.
In-person businesses. E-commerce. High-risk industries. All welcome.