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.
Complete payment acceptance across all major card brands credit and debit cards ACH transfers virtual terminal for phone orders recurring billing for subscriptions and mobile processing options. Industry specific solutions tailored to your business type.
Any business that accepts customer payments. Retail restaurants e-commerce service providers medical offices contractors and professional services. If you accept payments this is your foundation.
After approval we set up your merchant account handle all compliance requirements and provide the tools you need. Customers pay using any method. We process securely and settle funds next business day.
Processing fees calculated on every transaction at your agreed rate. Fee automatically deducted before settlement reaches your account. You see one clean net deposit. No separate statements. No invoices.
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.
Revolving credit line you can draw and repay as needed. Only pay interest on what you use. Fast approval based on settlement data not tax returns. No collateral required for most applicants. Credit limit can increase as your business grows.
Established businesses needing working capital for inventory payroll expansion marketing or managing seasonal cash flow. Perfect for businesses with consistent processing volume.
We analyze your settlement history to determine credit line amount. Once approved draw funds instantly whenever needed. Money transfers directly to your bank. Interest accrues only on outstanding balance.
Interest calculated daily on outstanding balance. Deducted automatically from settlement. Principal repayments also automatic on agreed schedule. Repay faster anytime with no penalties. Everything through settlement no separate payments.
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.
Instant credit decisions for customers at point of sale. Terms from 6 to 60 months. You get paid upfront full transaction amount minus fee. We handle all customer payments and collections. Branded application with your business name.
Businesses with average transactions over $2000. Home improvement contractors HVAC companies medical and dental offices auto repair shops furniture stores solar installers. Dramatically increase close rates on high ticket sales.
Customer applies for financing at point of sale. Receives instant credit decision. If approved they sign agreement. You complete work or deliver product. We pay you the full amount upfront.
Simple settlement-based pricing. We handle everything behind the scenes. You offer financing, your customers say yes more often, and the settlement takes care of itself. No monthly fees. No separate invoices.
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.
Lease financing for any business equipment or furniture. Finance amounts $5,000 to $500,000. Terms 12 to 60 months. You own equipment at lease end. Fast approval based on settlement history. No large down payment required.
Any business needing equipment. Restaurants buying kitchen equipment medical offices upgrading diagnostic tools salons purchasing fixtures contractors buying vehicles and tools offices upgrading technology.
Identify equipment you need and get vendor quote. We review settlement history and approve lease amount. You purchase equipment. We pay vendor directly. You use equipment immediately.
Monthly lease payment automatically deducted from settlement before funds reach bank. Same payment every month for entire term. At lease end you own equipment. No invoices. No separate checks. Everything automatic.
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.
Fast capital access $5,000 to $250,000. Approval in 24 hours using settlement data. Funds in account within 48 hours. Flexible repayment tied to daily settlement. No fixed payment dates repayment adjusts with sales. No collateral required.
Businesses needing immediate capital for time sensitive opportunities inventory purchases emergency repairs marketing campaigns or bridging short term cash gaps. Best for businesses with consistent daily card volume.
We review processing history to determine advance amount. Once approved funds transferred to account in 1 to 2 business days. Use capital however business needs. Repayment happens automatically as percentage of each settlement.
We deduct agreed percentage of each daily settlement until advance plus fee fully repaid. Slow day you pay less. Big day you pay more. Repayment adjusts automatically with business flow. No fixed monthly payments. Everything through settlement.
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.
Immediate cash advance on outstanding invoices. We advance 70 to 90 percent of invoice value. Get paid today instead of waiting months. We handle invoice follow up and collections. Non recourse options available. Works with B2B and B2G invoices.
B2B businesses government contractors staffing agencies wholesalers distributors and any business invoicing customers with net 30 60 or 90 day payment terms. Stop letting cash sit in accounts receivable.
Submit approved invoices to us. We verify invoice with customer. We advance 70 to 90 percent of invoice value immediately. Customer pays us directly when invoice due. We send remaining balance minus fee.
Factoring fee is small percentage of invoice value typically 1 to 5 percent depending on invoice terms and customer credit. Fee deducted automatically when customer pays invoice. If you also process cards fee can be deducted through settlement. Simple and automatic.
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.
Fast access to $1,000 to $5,000. Approval and funding same business day. Simple flat fee no complex interest calculations. Repaid through next settlement automatically. Available to any active Pacta Payments customer. No application just simple phone call or email.
Any business experiencing urgent unexpected expense. Emergency equipment repair critical inventory restock payroll shortfall surprise tax payment or other time sensitive cash needs. Not for long term capital needs.
Contact us when you need fast cash. We verify processing account in good standing. Transfer funds to bank account same day. Advance plus flat fee automatically deducted from very next settlement.
Simple flat fee based on advance amount typically $100 to $300 depending on amount borrowed. Fee added to advance amount and total deducted from next settlement. One automatic deduction. No separate invoices. No manual repayment.