From application to settlement billing everything is designed to be fast transparent and completely automatic.
Traditional banks require extensive financial statements tax returns and weeks of underwriting. We use a better approach. Your real time settlement data tells us exactly how your business performs.
Daily and monthly processing volume trends. Average transaction size and frequency. Chargeback and refund rates. Settlement consistency over time. Business growth trajectory. Industry specific benchmarks.
Settlement data is objective real time and impossible to manipulate. It shows exactly how much money flows through your business every single day. This allows us to make confident credit decisions in 24 hours instead of 3 to 6 weeks.
If you currently process with another provider we need 3 to 6 months of processing statements. If you process with us we already have your data. Either way the approval process is simple and fast.
Because we approve using settlement history instead of traditional financial statements most businesses receive a credit decision within one business day. Funds available immediately after approval.
Every single product and service we offer is billed automatically through your settlement. You never receive a separate invoice. You never write a check. Everything is deducted before funds reach your account.
Your customer makes a purchase. Transaction is processed and authorized. Funds added to daily settlement batch.
Processing fees calculated based on your rate. Any capital product fees calculated. Credit line interest equipment lease payments MCA repayments invoice factoring fees emergency float repayments.
All fees deducted. Remaining net amount deposited into your bank account. One clean deposit. No surprises. No separate charges.
Processing fees credit line interest equipment lease payments MCA repayments and invoice factoring fees. One automatic deduction. Zero invoices. Zero manual payments.
Getting started with Pacta Payments is simple and fast. Most businesses are approved and processing within 5 business days.
Click any Apply Now button or visit our Calendly link. Schedule a 30 minute call with our team. We discuss your business needs and which products make sense for you.
Complete simple online application. Provide basic business information and required documentation. If you currently process elsewhere provide 3 to 6 months of statements.
Most applications reviewed and approved within 24 hours. You receive confirmation of processing rates and any approved capital products.
We handle merchant account setup compliance verification and equipment provisioning. You receive login credentials payment terminals if needed and integration instructions.
Begin accepting payments immediately. Settlement happens next business day. All fees deducted automatically. You focus on running your business.
Our team is here to help you understand how Pacta Payments can improve your business financial infrastructure. Schedule a call or email us at sales@pactapayments.com.