Pacta Payments is not a self-serve platform. We onboard every merchant personally and treat every single one like our most important client. Whether you're just getting started or processing millions — you get the same premium experience.
Apply in minutes. A real person reaches out within 24 hours.
The horror story of calling support and reaching a bot. The panic of a frozen account with no explanation. The feeling of being just another merchant number. We built Pacta Payments because American businesses deserve better than that.
We don't flip a switch and send you a login. A real member of our team onboards you personally, sets everything up, and stays available. Day one to day one thousand.
No ticket numbers. No chatbots. No waiting days for a response. When something comes up with your account you reach a real person who knows your business by name. Response time measured in minutes.
Whether you're just starting out with zero processing history or running millions per month — we want to work with you. We build real relationships and grow with our merchants long term.
While every other processor stops at the transaction, Pacta Payments goes further. Capital when you need it. Financing for your customers. Equipment funding without the bank. All of it invisible, automatic, and built into the one relationship you already have with us.
Stop overpaying to accept payments. We give you competitive rates, next day settlement, and a real human who picks up the phone when something goes wrong. All payment types accepted. Everything deducted automatically through settlement.
Most banks say no. We say yes — because we actually see how your business performs. We use your real settlement history to approve working capital from $10,000 to $500,000 faster than any traditional lender. Repayment happens automatically through settlement so you never miss a payment.
Your customers want what you sell. Sometimes they just need a little flexibility to say yes. Offer financing on any service or product and watch your average transaction size increase dramatically. Your customers get the flexibility to pay over time. You get paid immediately. Everything settles automatically.
The equipment you need to grow your business shouldn't require a massive upfront investment. Finance anything from $5,000 to $500,000 with flexible 12 to 60 month terms. Monthly payments come out of your settlement automatically — you barely notice them.
Opportunity doesn't wait for next quarter. When you need capital fast we advance up to $250,000 against your future settlements and have a decision for you in 24 hours. Repayment is a small automatic daily percentage of your settlement — it scales with your business.
You did the work. You shouldn't have to wait 30, 60, or 90 days to get paid for it. We advance up to 90 percent of your outstanding invoice value immediately so you can keep moving. The fee settles automatically when your customer pays — nothing to track.
Cash flow gaps happen to every business. When you need $1,000 to $5,000 today we make it happen the same day with no lengthy application process. It comes back out of your next settlement automatically with a simple flat fee. We've got you.
Competitive rates all payment types next day settlement. We handle everything from setup to compliance.
Processing margin and any capital product fees calculated automatically after every transaction.
Every fee comes out of your settlement before it hits your bank. One clean net deposit. No separate charges ever.
We review every application personally and reach out to every single applicant. No automated rejections. No black boxes. A real conversation about whether Pacta Payments is the right fit for your business right now.
Takes less than 5 minutes. Basic business info monthly processing volume and products you need.
A real member of our team reviews your application. We look at your business goals your industry and what you need — not just a credit score. We reach out to every applicant personally.
We reach out within one business day. If we're a great fit we move straight to onboarding. If the timing isn't right we tell you exactly why and what we'd need to see to work together.
We handle the entire technical setup. You answer a few questions. A dedicated member of our team walks you through everything. Most merchants are live and processing within 24 hours.
We review every application personally. Most decisions within 24 hours.
Just starting out with zero processing history? We work with you. Running an established business processing millions? We work with you. If you take your business seriously we want to be your payment partner.
Any industry. Any size. Any volume. If your business is serious about growth we want to talk.
"After Stripe froze our account with zero notice during our busiest week of the year we were done with faceless processors. With Pacta Payments I have a real person I can call. That alone is worth everything."
"I had zero processing history when I applied. They still got on a call with me personally, walked me through everything, and had us live within 24 hours. That level of service is unheard of in this industry."
"The consumer financing product increased our average ticket by over 40 percent. But honestly what keeps us here is the relationship. These people actually know our business."
Pacta Partners includes everything in Pacta Payments plus a complete automated marketing suite — AI generated website automated follow ups review generation social media posting and more. All for $75 per week billed through settlement.
See Pacta PartnersApply in minutes. A real person reaches out within 24 hours. Whether you're just getting started or ready to switch from another processor — we want to talk.
Apply NowOr email us at sales@pactapayments.com