20% cash back on card processing.
We match the credit card processing rate you pay today. Every card company keeps a cut of your sales. We send 20% of our cut back to you, every month. Free terminal. No contract.
- Same rate. We match what you pay now.
- 20% cash back. 20% of our cut, every month.
- Free terminal. It shows up ready to use.
- Same-day money on most accounts.
Rather talk? Call (214) 972-2423 or book a call. A real person picks up.
Three steps. Nothing at your counter changes.
You keep taking cards the same way you do now. The difference shows up once a month, as a payment from us.
We match your rate.
Tell us what you pay your card company now. That becomes your rate with us. Not higher. Not lower. The same.
There is nothing to haggle over and nothing new to learn.
You take cards like always.
Your free terminal shows up ready to use. Tap, chip, swipe, Apple Pay, Google Pay. Close out at night and your money lands the same business day on most accounts.
We send you cash back.
Every card company keeps a cut of your sales. We send 20% of our cut back to you, every month. It comes every month you stay with us, and it goes up when your sales go up.
The first payment comes about six weeks after you start.
Have you ever seen this number?
Type in what you run on cards and the rate you pay. That is what leaves your account every month, just to take cards. With us the rate stays the same, and 20% of our cut comes back to you every month.
We show you your exact dollar amount on the call, in writing, before you sign anything.
That is their cut. With us your rate stays the same, and 20% of our cut comes back to you every month. We show you your exact dollar amount on the call, in writing, before you sign anything.
Why would a card company give money back?
Because every card company keeps a cut of what you run. Yours does right now. The only question is whether any of it comes back to you.
Your card sales go to your bank.
This is your money. It lands the same business day on most accounts. Every card company moves this money. That is the job, and nothing about it changes.
Every business day
We send you 20% of our cut.
Card companies keep a cut of every dollar you run. We send 20% of ours back to you. It is a separate payment. It does not come out of your sales, and nothing is added to what your customers pay.
Once a month, for the month you just ran
| Who you use | Their cut | What comes back to you |
|---|---|---|
| A flat-rate reader (Square, Clover Go, Toast) | They keep it | Nothing |
| An old-school card company | They keep it | Nothing |
| Pacta | Same rate you pay now | 20% of our cut, every month |
The program costs $24.99 a month. The more you run on cards, the bigger your cash back. We show you your exact dollar amount on the call, in writing, before you sign anything. If you do not run much on cards, the $24.99 can cost more than the cash back pays. We say so on the first call instead of signing you up. Here is the whole thing, step by step.
Points worth exactly what they say.
Every month, 20% of our cut turns into Pacta Points. 1 point = $1. Cash them out to your bank any month, or save them for something bigger.
Straight to your bank.
Any month you want. Anything under $25 rolls into next month.
A trip. A new machine. Your call.
Leave your points in and watch them add up. When you say the word, we send the money.
1 point = $1.
Most points programs never say what a point is worth. Ours is a dollar, and it says so on your dashboard.
Free. Shows up ready. Use it day one.
A modern machine that does everything a counter needs. We put your prices in it before it ships, so your first sale works.
- Tap, chip and swipe. Apple Pay, Google Pay, every card.
- Printer and Wi-Fi built in. Need it cordless? There is a handheld with its own signal.
- Tabs and tips on the screen. Markets and grocers get a PIN pad that takes EBT.
- A person sets it up with you. Same day. If it ever breaks, you get a new one, not a ticket number.
See every sale and every deposit, in plain words.
Log in from your phone or your computer and see where your money is. Sales, deposits, disputes, and the cash back you have coming.
- Did last night's money land? You can see it without calling anyone.
- Your cash back, adding up. What this month has earned so far, and what we already paid you.
- A real person on your account. You call them, not a call center.
Want to go further? There is a second program.
Everything above works without changing a thing. Dual pricing changes who pays the card fee. You put two prices on the tag, one for cash and one for card, and the card price covers the fee.
Two prices on the tag.
Gas stations have done this for decades. The terminal rings up the price on the tag. Nothing gets added at the register.
Not required. Not for everyone.
In some states and some shops we will tell you not to do it. We talk it through on the call. It is never the deal.
Who pays the card fee.
Your cash back works the same way either way: 20% of our cut, back to you every month.
What we tell you before you ask.
20% of what?
Every card company keeps a cut of your sales. Yours does right now. We send 20% of our cut back to you, every month.
It is not 20% of your sales, and it is not 20% of your rate. It is 20% of what we earn on your account.
We show you your exact dollar amount on the call, in writing, before you sign anything.
Wait. Is this just my own money coming back to me?
No. Your card sales go to your bank like always, on the same schedule. Nothing changes there.
The cash back is a second payment, and it comes from us. It comes on top of your sales, never out of them.
What does Pacta cost?
$24.99 a month. That covers the terminal, the yearly card-security step, support and a person who answers the phone.
Your rate stays the same as today, because we match it. You also still pay the card fee on refunds.
That is the whole list. Anyone who tells you card processing is free is leaving something out.
When do I get the first payment?
About six weeks after you start. Our processor pays us for the month before, then we pay you. After that it comes every month.
Do I have to change anything at my counter?
No. Same prices. Same way people pay. Same deposits. The one new thing is the terminal, and it shows up ready to use. If you want to go further, dual pricing is there, but that is your call.
What are Pacta Points?
The name for your cash back. Every month, 20% of our cut becomes points. 1 point = $1. Cash them out to your bank any month, or save them for something bigger, like a trip.
Is there a contract?
No. Month to month. If you want to leave, you leave.
What if I do not run much on cards?
Then we will tell you. If you do not run much on cards, the $24.99 can cost more than the cash back pays. We say so on the first call instead of signing you up.
If people hand you a card, we work with you.
Any business that takes cards at a counter or on the road. These are the ones where we see it matter most.
Know more than your card company wants you to.
Short guides in plain words, written for owners.
How cash back on card sales works
Where the money comes from, when it shows up, and what it costs. Five minutes to read.
Read it Your billWhat you really pay to take cards
The rate they quote you is rarely the whole number. Here is how to find yours.
Read it The second programDual pricing, with no sales pitch
Two prices on the tag, what is legal, and why it is not right for every shop.
Read itFind out what you would get back.
Tell us what you run on cards in a month and what you pay now. We will show you the cash back, what it costs, and what you keep. If it is not worth it for you, we will say so.