Frequently Asked Questions

You start by reaching out through our contact page or by calling our local team. We ask a few questions about your business — what you sell, your average ticket size, and how you want to accept payments — and then prepare an application. Approval typically requires basic business documentation such as your registration, a bank account for deposits, and a valid ID. Once you are approved, we help you set up your equipment or gateway so you can begin accepting cards.

We work with small and mid-sized businesses across Puerto Rico — retail shops, restaurants and food trucks, salons and spas, auto repair, healthcare practices, hospitality, and online sellers. Whether you run a single counter or several locations, we match the payment setup to how your business actually operates rather than forcing a one-size-fits-all package.

Most straightforward accounts are approved within a couple of business days, and equipment can be configured and shipped or delivered shortly after. Timing depends on the completeness of your application and the type of solution you choose — a standalone terminal is faster to deploy than a fully custom point-of-sale or an integrated online checkout. We keep you updated at each step.

Yes. A merchant account is what allows funds from card transactions to be settled into your business bank account. When you sign up with us, we set up the merchant account and the processing relationship together, so you do not have to arrange them separately. If you already have a merchant account elsewhere, we can review it and let you know whether switching would benefit you.

We offer a range that fits different needs: countertop and wireless terminals such as Dejavoo and the PAX A920, and the Clover family of smart point-of-sale devices including the Clover Mini for compact counters and larger stations for busier retail and restaurants. We also support virtual terminals and online gateways for businesses that take payments by phone or on the web.

Both are options, and the right choice depends on your cash flow and how long you expect to use the device. Buying outright means no ongoing hardware payment, while leasing spreads the cost over time. We will walk you through the real numbers for your situation so you can decide — we do not push a long lease when a simple purchase serves you better.

A standard terminal is focused on one job: authorizing and processing card payments quickly and reliably. Clover is a smart point-of-sale system that also handles inventory, employee management, reporting, receipts, and apps for specific industries. If you simply need to take cards, a terminal is often enough. If you want to run more of your business from the checkout, Clover gives you those tools in one place.

Sometimes, yes. Certain terminals can be reprogrammed to work with our processing, while others are locked to a specific provider and cannot be moved. Share the make and model with our team and we will tell you honestly whether your existing hardware can be reused or whether a replacement would serve you better.

Card processing costs are built from interchange fees set by the card networks, plus the processor's markup. Pricing can be presented in a few ways — such as interchange-plus, which shows the network cost and the markup separately, or a flat rate that bundles everything into one percentage. We explain which structure applies to your account and why, so you understand what each transaction actually costs.

We aim to earn your business with service, not lock-in. We will always tell you upfront whether an agreement carries a term or an early cancellation fee before you sign. Review the terms carefully, ask questions, and make sure you are comfortable with the commitment — a straightforward relationship is better for everyone.

Our goal is a clear statement with no surprises. Common line items in the industry include monthly account fees, PCI compliance fees, statement fees, and charges tied to specific card types. We go through your pricing so you know what every fee is for. If a line on any processor's statement is unclear, that is exactly the kind of thing we help you understand.

A cash discount program lets you offer a lower price to customers who pay with cash while the standard price applies to card payments, which helps offset processing costs. It must be set up and disclosed correctly to comply with card network rules and local law. We can explain how it works, whether it fits your business, and how to present it fairly to your customers.

Every business that accepts cards shares responsibility for PCI DSS, the Payment Card Industry Data Security Standard. The good news is that using PCI-validated equipment and a compliant processor does most of the work for you, often reducing your obligation to a short annual self-assessment questionnaire. Our team guides you through it so compliance stays simple. You can read more in our PCI compliance guide.

Modern processing is designed so that raw card numbers never sit in your systems. EMV chip acceptance, point-to-point encryption, and tokenization mean the sensitive data is protected in transit and replaced with a token you can use without exposure. This shrinks both your risk and your compliance burden, and it protects the trust your customers place in you.

A chargeback happens when a cardholder disputes a charge with their bank, and the funds are temporarily reversed while the claim is reviewed. You can respond with evidence such as receipts, signatures, or delivery records. The best defense is prevention: describe charges clearly on statements, keep good records, use chip and contactless acceptance, and resolve customer issues directly before they escalate to a dispute.

You can accept the major card networks — Visa, Mastercard, American Express, and Discover — along with debit cards, EMV chip and contactless taps, and mobile wallets such as Apple Pay and Google Pay. Depending on your setup, we can also enable ACH bank transfers and recurring billing for subscriptions or invoices.

For most merchants, funds from a day's batch settle into your business bank account within one to two business days. Exact timing can depend on your bank, your batch cut-off time, and the type of account. We set clear expectations when your account is configured so you know when to expect your money.

Yes. We support online checkout through payment gateways such as Authorize.Net and NMI, mobile acceptance on wireless devices for on-the-go and delivery, and virtual terminals for keyed and phone orders. Many Puerto Rico businesses combine these — an in-store terminal plus an online option — and we help you connect them under one account.

We do. ACH lets you collect payments directly from a customer's bank account, which can be a lower-cost option for larger or repeat invoices. Recurring billing automates charges on a schedule, which is ideal for memberships, subscriptions, and payment plans. We can set these up alongside your card processing so everything runs from one place.