Disclaimers

• Savings & results vary. Examples of savings, residual income, or business outcomes are illustrative only and not guarantees. Your results depend on volume, pricing, industry, and other factors.
• All rates are proposals. Rates and program terms discussed anywhere on our sites, including with the Pilot assistant, are pending review and approval by an authorized representative and, where applicable, underwriting. Rates below stated floors require manager approval.
• Approval not guaranteed. Merchant accounts are subject to underwriting by processing partners and sponsor banks.
• Third-party fees. Certain fees (e.g., device software billed by its manufacturer, card-network fees) are set by third parties and cannot be discounted or absorbed.
• Not professional advice. Content is for general information and is not legal, tax, or financial advice.
• Independent agents. Agent sites are operated by independent sales agents; payment services are provided through the Company's processing partners subject to approval.

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Merchant & Processing Disclosures

This website is operated by an authorized representative of a payment services provider. Merchant processing services are provided through licensed acquiring banks, payment processors, and financial institutions.

Prohibited Businesses

Merchant processing services are subject to approval by acquiring banks and payment processors. Approval, pricing, funding timelines, reserves, and account terms are determined by financial institutions and processing partners. Submission of an application does not guarantee approval or continued processing.

Applications will not be supported for businesses engaged in:

• Illegal goods or services under applicable law
• Controlled substances or drug paraphernalia (excluding lawful hemp, CBD, and cannabis-related businesses where permitted)
• Counterfeit, replica, or pirated goods
• Stolen goods or unauthorized resale
• Human trafficking or exploitation services
• Child exploitation or abuse-related content
• Terrorist organizations or sanctioned individuals
• Money laundering or structuring activity
• Ponzi schemes, pyramid schemes, or investment fraud
• Unlicensed financial services or illegal lending
• Fraudulent or deceptive business practices

Applications involving prohibited activities may be declined or terminated.

Specialized & Regulated Industries

We support a wide range of specialized, regulated, and emerging industries that may require tailored onboarding and customized processing solutions. Our team works with banking and processing partners to help businesses in these industries access appropriate payment solutions where permitted. Industries commonly supported through specialized programs include:

• Telehealth and remote medical services
• Online pharmacies and prescription platforms
• Medical, wellness, and treatment clinics
• Aesthetic and cosmetic procedure providers
• Hormone therapy and TRT clinics
• Peptide therapy and regenerative medicine services
• Stem cell and advanced treatment providers
• Performance enhancement and ingestible wellness products
• Research compounds and biohacking products
• Nutraceuticals and supplements
• Cannabis dispensaries and ancillary cannabis services (where lawful)
• CBD manufacturers and retailers
• Firearms and accessories (where lawful)
• Adult-oriented products or content (where lawful)
• Travel clubs and advance-purchase programs
• Tech support and protection plans
• Marketplaces facilitating third-party sellers
• Cryptocurrency-related services
• Subscription-based businesses and recurring billing models
• Digital services, coaching, and online programs
• Online membership platforms and continuity programs

Approval and account terms for specialized industries are determined by financial institutions and processors.

Scope of Approved Activity

Merchants may only process transactions for products and services disclosed and approved during underwriting. Processing outside the approved scope (including new products, services, or business models) may result in account suspension, termination of processing privileges, or withholding or reversal of funds. Merchants must notify their service representative of material business changes.

Merchant Responsibility

Merchants are responsible for providing accurate business information, operating lawfully, maintaining required licenses, complying with card network rules, maintaining clear customer disclosures, and managing refunds, cancellations, and disputes.

Merchant Service Disclosure

Merchant services are facilitated through a network of financial institutions, acquiring banks, payment processors, card networks, and authorized representatives. Authorized representatives may assist with onboarding, account setup, and support. Authorized representatives are not banks, card networks, or payment processors and do not independently approve merchant accounts, control underwriting decisions, guarantee funding timelines, or guarantee pricing or terms.

Applications, referrals, or pre-qualification do not guarantee approval, do not guarantee pricing or rates, do not guarantee funding speed, and do not guarantee the absence of reserves or holds. Terms may change due to underwriting review or ongoing risk monitoring.

Cash Discount & Surcharge Disclosure

Cash discount and surcharge programs may be available through payment processors and sponsor banks. Participation is voluntary and subject to applicable laws and card network rules. Merchants are solely responsible for determining program legality in their jurisdiction, compliance with applicable laws and regulations, compliance with Visa, Mastercard, Discover, and American Express rules, and proper customer disclosures, signage, and receipts.

No representations are made regarding program legality in any jurisdiction, approval or continuation, or savings, profitability, or cost reduction. Program availability may change at any time.

Electronic Consent & E-Signature Disclosure

By submitting information electronically or using this website, you consent to receive records and communications electronically. Electronic signatures and records have the same legal effect as paper documents. You are responsible for maintaining the ability to access electronic communications.

Third-Party Brands, Media & Demonstrations

This website may display third-party names, logos, screenshots, media, and examples for illustrative purposes only. Such references do not imply affiliation, endorsement, or partnership unless explicitly stated. All third-party trademarks, logos, and materials remain the property of their respective owners. Demonstrations and examples are illustrative; actual services, features, pricing, and availability are determined by financial and technology partners. If you are a rights holder and believe content is used improperly, please contact us for review.