Terms of Service

By accessing or using The Credit Card Guy Merchant Services ("we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

We are a Member Location Service (MLS) of Payarc LLC, a registered ISO/SP of Chesapeake Bank, Kilmarnock, VA; Evolve Bank & Trust, Memphis, TN; Synovus Bank, Columbus, GA; and a registered payment facilitator of Pathward Bank.

We provide payment processing services including:

• Credit and debit card processing
• Point of sale (POS) systems and equipment
• Mobile payment solutions
• E-commerce payment gateways
• Dual pricing and surcharge programs
• Payment processing analytics and reporting

As a merchant using our services, you agree to:

• Provide accurate and complete information during registration
• Maintain PCI DSS compliance for handling cardholder data
• Process only legitimate transactions for goods or services provided
• Comply with all applicable card network rules and regulations
• Display clear refund and return policies to customers
• Protect customer payment information and maintain security standards
• Notify us immediately of any security breaches or suspected fraud
• Not process transactions for prohibited or high-risk businesses without prior approval

Our pricing structure includes:

• Processing Fees: Based on interchange rates plus our markup
• Transaction Fees: Per-transaction charges as outlined in your merchant agreement
• Monthly Fees: Account maintenance and service fees if applicable
• Equipment Fees: Rental or purchase costs for POS terminals and equipment
• Chargeback Fees: Fees assessed when customers dispute transactions

All fees will be clearly disclosed in your merchant agreement. We provide transparent pricing with no hidden fees.

• Funds are typically settled within 1-2 business days after transaction processing
• We may hold reserves for certain high-risk merchants or as required by our partner banks
• Processing fees are automatically deducted from settled funds
• You authorize us to debit your bank account for any fees, chargebacks, or refunds
• Settlement timing may vary based on transaction type, card network, and risk factors

Chargebacks occur when customers dispute transactions. You agree to:

• Accept financial responsibility for all chargebacks
• Provide documentation to dispute invalid chargebacks within required timeframes
• Pay chargeback fees as outlined in your merchant agreement
• Maintain adequate funds to cover potential chargebacks
• Work with us to minimize chargeback ratios

Excessive chargebacks may result in increased fees, reserves, or termination of services.

You may not use our services for:

• Illegal activities or prohibited goods/services
• Fraudulent, deceptive, or misleading transactions
• Processing payments on behalf of third parties (payment aggregation)
• Adult content or services (without prior approval)
• Gambling or gaming activities (without prior approval)
• Cryptocurrency exchanges (without prior approval)
• Multi-level marketing or pyramid schemes
• Tobacco, firearms, or other regulated products (without proper licensing)

• Merchant agreements are month-to-month unless otherwise specified
• Either party may terminate the agreement with written notice
• We may suspend or terminate services immediately for violations of these terms
• We may terminate services for excessive chargebacks, fraud, or compliance violations
• Upon termination, all outstanding fees and charges become immediately due
• You must return all equipment upon termination

To the maximum extent permitted by law:

• We are not liable for indirect, incidental, or consequential damages
• Our liability is limited to the fees paid by you in the preceding 12 months
• We are not responsible for losses due to system downtime or technical issues
• We are not liable for actions of third-party service providers or card networks
• You indemnify us against claims arising from your use of our services

You are responsible for:

• Maintaining PCI DSS compliance at all times
• Completing required security assessments and questionnaires
• Implementing appropriate data security measures
• Reporting data breaches within required timeframes
• Cooperating with security audits and investigations

Non-compliance may result in fines, increased fees, or termination of services.

By opting in to receive SMS text messages from THE CREDIT CARD GUY, you agree to receive:

• Notification messages: Account updates, transaction alerts, and service notifications
• Marketing messages: Promotional offers, product announcements, and special deals
• Two-factor authentication (2FA): Security codes and verification messages
• Customer service: Support updates and inquiry responses

Message frequency may vary. Message & data rates apply. Your carrier's standard messaging rates will apply to all SMS correspondence.

To opt-out of SMS messages at any time, text STOP to any message you receive from us. You can also review our complete Privacy Policy for more information about how we handle your data.

Any disputes arising from these terms will be resolved through:

• Good faith negotiations between the parties
• Binding arbitration if negotiations fail
• Applicable federal and state laws

Class action lawsuits and jury trials are waived to the extent permitted by law.