We are a full service payment provider offering the ability to accept Visa, MasterCard, Discover, American Express, Diner's Club, JCB, access to all debit networks, contactless cards (tap-to-pay), Electronic Benefits Transfer (EBT), Health Savings Account cards (HSAs), Apple Pay, Android Pay, ACH transfers and Check Verification services. Chances are, if your customer tenders it, we can accept it!

We’d love to hear from you! Reach out by calling us at 844-PINN-PAY or by submitting your information on our online contact form here

We tailor each business consultation in both subject matter and length to fit our merchants' unique needs. Our goal will be to learn about your current pain points, what is working particularly well, and how you envision your business growing/changing over the next 2-3 years. With the advent of smart terminals and POS systems, our conversations have taken new form and are no longer held to the confines of strictly card processing. We ask that you come prepared with two recent processing statements and an open mind!

This depends on the complexity of your setup. Some new merchant accounts can be set up in as little as 15 minutes with very little effort. A full service restaurant or retail store may require more background preparation, but this is done in partnership with your Relationship Manager. We assist new merchants with programming their table map and menu, adding inventory into our template, setting up online ordering, gift cards and other necessary components. Rest assured, regardless of the complexity of your operation, you will receive exceptional support and care throughout the setup process.

With arguably one of the lowest attrition rates in the industry, we are proud to retain our clients without resorting to cancellation penalties. We have encountered merchants paying hefty cancellation fees with other processors in order to work with us - proof that you can't buy loyalty. We proudly affirm that we want you to willingly continue doing business with us because you are happy with our services, not because you're financially bound to stay.

As the adage goes: "There is no free lunch." While the term "free processing" is somewhat misleading, the practice of offsetting processing fees by passing a portion of the burden back to cardholders is becoming quite common. Advertisements touting "free processing" are usually referring to the practice of surcharging credit cards or implementing a cash discounting program.

Yes and no. While the ability to surcharge certain cards types is legal in many states, merchants' implementation of surcharging programs doesn't always follow suit with Card Brand requirements. Visa in particular remains intently focused on the appropriate use of surcharging practices. Now more than ever it is critical to partner with a reputable company who will keep you informed of pertinent industry changes so you do not unduly expose your business to liability.

A surcharge is a fee added at the point of sale in addition to the customer's subtotaled bill. While this is a good fit for some merchants, many cardholders view this as a "penalty" for paying with their preferred tender type. A cash discount program, by contrast, increases the advertised price of a merchant's goods or services prior to the customer reaching the point of sale. If plastic is tendered, no change is made to the subtotal; if cash is tendered, the point of sale will automatically reduce the subtotal by the specified cash discount percentage.

Adopting a cash discounting practice is fairly simple but does require specific settings within your merchant account - please contact us if you'd like to discuss the benefits or potential cost savings for your operation.

The Payment Card Industry Data Security Standard (PCI DSS) is a standard by which all U.S. merchants are required to conform in order to effectively protect cardholder data and reduce credit card fraud. Annual validation is required by merchants to attest to adherence of PCI DSS protocol. Failing to adhere to PCI DSS standards can expose a merchant to monetary and reputational liability. Rest assured that your Relationship Manager will support you as needed to maintain your PCI-compliant status.