PayPact

Most business owners glance at their payment statement, see the deposit number, and move on.

That habit costs them thousands a year.

Three numbers actually matter:
Fees. Total fees divided by total volume gives you your effective rate. Anything over 3.5% deserves a second look.

Processing volume. Compare month over month. A 15% swing means something, fraud, declined cards, or sales you missed.

Settlement times. Funding should hit in 1 to 2 business days. If it does not, ask why.

Five minutes a month. That is all this takes.

Want a second set of eyes on your statement? We will read it line by line, no charge.

ACH or credit card?

Cards: best for small tickets, fast funding, instant checkout. ACH: best for large invoices, B2B, and recurring billing.

On average, a $5,000 invoice costs ~$150 on a card. About $1 via ACH.

The good news?
You don’t have to pick one.

Offering both lets your customers choose while you keep more of what you earn.