Payment Processing FAQ
Straight answers to common questions about credit card fees, pricing models, compliance, and how Pair Pay helps businesses keep more of every transaction.
We use a legally compliant dual pricing model that gives customers a choice in how they pay. Cash payments are accepted with no fee, while card payments include a clearly disclosed service fee. This structure allows merchants to avoid paying processing fees while remaining compliant with card network rules and applicable regulations.
All payment data is protected using PCI-DSS compliant systems, end-to-end encryption, and tokenization. Sensitive card information is never stored on your devices, reducing risk and helping maintain compliance.
Yes. Dual pricing is legal in most U.S. states when implemented correctly. Our system is designed to follow card network rules and applicable state regulations, including proper disclosure and signage requirements.
Customers can choose how they pay. Cash payments incur no additional fee, while card payments include a clearly disclosed service fee. Pricing is transparent at checkout so customers understand their options before paying.
When implemented properly, dual pricing is widely accepted by customers. Clear communication and compliant disclosures help maintain trust while allowing businesses to reduce or eliminate processing costs.
We support all major credit and debit cards, contactless payments, mobile wallets, and cash transactions. Solutions are available for in-store, online, and invoiced payments.
Most merchants receive next-day funding, with options available for same-day or weekend funding depending on account setup and transaction type.
No. Pricing is fully transparent with no hidden fees. We clearly outline rates, services, and terms upfront so you always know what you are paying for.
Yes. Merchants have access to real-time dashboards and detailed reports showing transactions, fees, deposits, and trends. Reports can be filtered and exported for accounting or reconciliation.
We provide tools and guidance to help prevent chargebacks and manage disputes efficiently. Our team assists with documentation and response processes to minimize impact on your business.
Yes. Our U.S.-based support team is available to assist with onboarding, compliance questions, technical issues, and ongoing account support.
Absolutely. We handle most of the setup and transition process to minimize downtime. Existing hardware may be reusable depending on compatibility.
Yes. Our pricing models and disclosures are designed to align with Visa, Mastercard, and card network requirements to help merchants operate confidently and compliantly.