Terms and Conditions

These Terms and Conditions govern the use of our merchant services and associated equipment, software, and support. By enrolling in our services, you agree to the terms laid out below. Please read them carefully.

Service Overview

Our company provides merchant services to businesses of all types, with a specialized focus on agricultural businesses such as feed stores, mills, and equipment dealers. These services include credit card processing, cash discount program support, free terminal and POS equipment, payment gateway setup, accounts receivable automation, bill pay functionality, and access to value-added tools like Payments Manager+. All services are provided in accordance with federal and state laws. We act as your processing partner, not a bank, and therefore, certain elements of the transaction pipeline may be handled by third-party financial institutions.

Enrollment and Onboarding

To use our services, businesses must complete an onboarding process that includes account setup, identity verification, and rate assessment. We reserve the right to decline service based on risk analysis, incomplete applications, or compliance concerns. Once approved, you will receive your assigned terminal(s), software access, and any applicable login credentials. Setup support will be provided at no cost to ensure your system is ready to operate efficiently. By completing enrollment, you confirm that all information you provide is accurate and that you are authorized to enter into a service agreement on behalf of your business.

Equipment Terms

We provide standard credit card terminals, mobile card readers, receipt printers, POS systems, and cash discount-enabled devices at no cost to the merchant upon signing up for processing services. This equipment is free to use for the life of the processing agreement and remains the property of our company unless otherwise stated in writing. Any willful damage, misuse, or unauthorized modifications to the equipment may result in fees or replacement charges. Equipment must be returned in working condition if the service is canceled. We do not lease or rent equipment; our goal is to keep hardware simple and accessible so you can focus on running your business.

Pricing and Billing

We offer transparent, flat-rate pricing with no hidden fees, no PCI non-compliance penalties, and no surprise markups. Your exact rate will be detailed during onboarding and confirmed in writing. Invoices are generated monthly and reflect all processing activity, fees, and applicable taxes. We may charge standard NSF (non-sufficient funds) fees if your account is unable to process the monthly debit. All charges related to card processing will be auto-debited from the linked settlement account. Any discrepancies or disputes in billing must be reported within 15 days of the invoice date for resolution.

Cash Discount Program

If you enroll in our cash discount program, your provided terminal will be pre-programmed to apply automatic service fees to non-cash transactions and remove those fees when customers pay with cash. This allows you to offset processing costs without raising prices across the board. You are responsible for complying with local, state, and federal signage and notification requirements to inform customers about the program. We provide templates and signage at no cost, but ultimate compliance is your responsibility. Improper use of this feature may violate card brand rules and lead to penalties or termination of service.

Online Payment and Gateway Tools

We provide secure online payment tools that allow merchants to send payment links, accept card-not-present transactions, and process digital invoices. These tools are subject to availability and may be managed via third-party payment gateways. We will assist with setup and integration, but merchants are responsible for any website compatibility or compliance issues. Online payments carry the same processing rates unless otherwise agreed upon. It is your responsibility to ensure that your business website or digital invoicing system complies with data security requirements and privacy regulations.

Accounts Receivable & Bill Pay Features

Our platform offers automated invoicing and accounts receivable features designed to simplify how you collect payments from customers. By using this feature, you authorize us to send reminders, create recurring invoices, and manage incoming payments on your behalf through a secure portal. Additionally, our Bill Pay service allows you to pay your own vendors and business expenses directly from your dashboard. These services are provided to help you streamline operations, but do not replace standard bookkeeping or accounting software. You remain responsible for verifying transactions, taxes, and general ledger entries as they apply to your business.

Payments Manager+ Dashboard

Payments Manager+ is an optional feature that provides detailed reporting, transaction analytics, customer tracking, and multi-location monitoring. This dashboard is included with select service plans or available as an add-on subscription. Data provided through Payments Manager+ is sourced from real-time transaction processing and is intended for internal use only. While we make every effort to ensure accuracy, final reconciliation and financial reporting are the sole responsibility of the merchant. Misuse of dashboard data or sharing login credentials with unauthorized parties may result in suspension of access.

Customer Support & Service Expectations

We are committed to providing real, responsive service. Our support team is available during standard business hours by phone, email, and (in some cases) live chat. Emergency technical support for terminal failures or critical processing disruptions is available 24/7. We aim to resolve issues quickly and personally—no long holds or confusing phone trees. However, please understand that some technical problems, such as network outages or third-party gateway errors, may be outside of our control. We promise to advocate on your behalf with any external service partners to ensure timely solutions.

Service Modifications and Updates

From time to time, we may make updates to our equipment, software, or pricing structure. Any changes to your core processing rate will be communicated at least 30 days in advance. Upgrades to equipment or software may be rolled out automatically, but will not affect your rates unless explicitly stated. Merchants are encouraged to stay current with notices sent via email or posted on their account dashboard. Continued use of our services after any announced updates will be taken as acceptance of the new terms.

Cancellations and Termination

You may cancel services at any time with written notice. We do not charge early termination fees. However, equipment provided at no cost must be returned within 30 days of cancellation or may be billed at its full replacement value. We reserve the right to suspend or terminate service immediately in cases of fraud, abuse, violation of card brand rules, failure to pay, or risk to our network. All balances must be paid in full before cancellation is finalized. Termination does not void any accrued financial obligations or liabilities.

Liability and Indemnification

We are not liable for any indirect, incidental, or consequential damages resulting from delayed settlements, processing errors, or service disruptions. Our responsibility is limited to the processing of transactions and the provision of agreed-upon equipment. You agree to indemnify and hold us harmless against any claims, legal fees, or damages arising from your business practices, data misuse, or violation of these terms. Use of our services constitutes acceptance of this risk and agreement to resolve disputes through arbitration where permitted by law.

Privacy and Data Use

We respect your privacy and protect all merchant and customer data using industry-standard encryption and security protocols. We do not sell or share your data with unrelated third parties. Information collected during onboarding and payment processing is used strictly for account management, fraud prevention, and service optimization. You are responsible for safeguarding your terminal credentials and online dashboard access. Any data breach caused by negligence or third-party integration not managed by us is the merchant’s responsibility.

Governing Law

These Terms and Conditions are governed by and interpreted in accordance with the laws of the state in which your business is registered, or as otherwise agreed upon in writing. Any legal disputes that arise will be subject to arbitration or small claims court, depending on the nature of the issue. By continuing to use our services, you agree to be bound by these terms and all policies and disclosures issued by us, whether physical or digital.