Frequently asked questions

No. We work month-to-month. You can cancel anytime with 30 days notice. No early termination fees, no penalties. You stay because the processing works, not because you're locked in.

Most implementations complete in 2-4 weeks. Complex multi-entity structures or industries requiring extensive compliance documentation may take 4-6 weeks. Timeline depends on your business model, required services, and how quickly we can complete underwriting.

Your business is complex if standard processors decline you, assign elevated pricing without reviewing your performance, or consistently struggle to understand your processing model. Common examples: subscription platforms, nutraceuticals, high-ticket B2B services, multi-entity organizations, and businesses where automated underwriting flags normal transaction patterns as suspicious.

Yes. Many businesses are declined not because they're risky, but because their business model doesn't fit standard processor templates. We evaluate your business model, operations, track record, and compliance requirements to determine if we can support you.

We typically review recent processing statements, basic financial information, a clear description of your business model and transaction patterns, and any existing compliance documentation relevant to your industry.

Yes. We frequently step in when businesses face frequent holds, high decline rates on legitimate transactions, pricing that doesn't reflect their risk profile, or ongoing account instability.

Service fees can be applied to all payment types (credit, debit, cash, check). Surcharges apply only to credit card transactions and are subject to specific card brand rules. The right approach depends on your business type, state regulations, and customer payment mix.

Service fees are legal in all 50 states when structured correctly. Credit card surcharges are legal in most states but have specific requirements. We review your state's regulations during setup and ensure your program complies with both state law and card brand rules.

Service fees are typically 3-4% for professional services and municipalities. Credit card surcharges are capped at your actual cost or 3%, whichever is lower, per card brand rules.

Most businesses see minimal pushback when programs are implemented correctly with clear communication. Clients who explain the fee properly and offer payment alternatives (ACH, check) typically see 85-90% of customers accept the change without issue.

Full compliance review for your state and business type, documentation templates (engagement letters, signage, policies), card brand registration (for surcharges), staff training materials, and ongoing compliance support.

Only for credit card surcharges. Service fees don't require registration. If you're implementing a surcharge program, we handle the 30-day advance notification to Visa and Mastercard as part of setup.

UnionPay credit cards work through Discover in the U.S., but 90% of Chinese consumers have debit cards, not credit. UnionPay debit requires separate acceptance and authentication that standard U.S. processors don't support.

It depends on your business. Luxury retail benefits from all three. Health & Beauty should prioritize UnionPay debit (70% of spend). Digital goods providers need Alipay and WeChat Pay.

You have the option of charging in your home currency although we recommend charging in CNY. If you charge in your home currency the currency conversion happens on the customer's end. Pricing in local currency increases average order value.

UnionPay, Alipay, and WeChat Pay typically cost 3.0-4.0% per transaction depending on volume. This includes multi-currency settlement, technical integration, and customer support.

For in-person transactions, you need terminals that support international cards and QR code scanning. For eCommerce, you need proper payment page integration. We provide or recommend compatible hardware.

Most implementations complete in 2-4 weeks. This includes account setup, technical integration, terminal configuration (if needed), and staff training.

You get your own merchant account with an acquiring bank, not aggregated processing through platforms like Stripe or PayPal. Your account stability is tied to YOUR performance—not shared risk pools.

Stripe and Square use aggregated merchant accounts with automated underwriting. They approve quickly but freeze accounts when transaction patterns don't fit their templates. We set up direct merchant accounts with proper evaluation upfront.

We review your business model, transaction patterns, compliance requirements, and operational controls. This process prevents the account freezes and terminations that come from automated approvals.

No. Because we evaluate your business upfront and configure authorization rules for your transaction patterns, growth doesn't trigger automated reviews. We monitor accounts proactively.

No. We do not support negative option billing models in any industry.

No. We do not support any adult entertainment related accounts.

Yes. We set up consolidated reporting across multiple brands, entities, or locations. You get unified reporting while maintaining brand-specific processing configurations.

You pay the actual interchange cost (what card networks charge) plus a fixed markup. Transparent—you see exactly what goes to Visa/Mastercard vs. what you pay us. Most businesses pay between 2.3% - 2.9% (all-in effective rate).

Basic processing typically runs $25-$50/month. Multi-entity reporting or specialized compliance monitoring may increase monthly fees based on complexity.

Standard merchant account setup is typically included. Multi-entity configurations and specialized technical integrations are quoted based on scope.

Most quotes are provided within 1-2 business days. We need to understand your business model and review your transaction patterns to provide an accurate quote.

Standard settlement is next business day for most transactions. High-ticket transactions or certain business models may have different settlement schedules based on underwriting.

We work with most major eCommerce platforms, shopping carts, and payment gateways. Common integrations include Shopify, WooCommerce, Magento, custom builds, and enterprise ERPs.

We work with established payment gateways and can recommend options based on your needs. For businesses with existing gateway relationships, we can often integrate with your current setup.

Daily, weekly & monthly transaction reports, settlement summaries, chargeback reports, and account statements. Multi-entity businesses get consolidated reporting across all accounts.

Yes, we work with partners that provide robust APIs for businesses that need programmatic access. We evaluate your technical requirements during setup.

We provide PCI compliance tools and questionnaires. Your compliance level depends on transaction volume. We help you understand requirements and provide resources to maintain compliance.