Terms of Service

1. Acceptance of These Terms

These Terms of Service ("Terms") govern your use of the website operated by Paymerica LLC ("Paymerica," "we," "us," or "our"). By accessing or using the site, you agree to be bound by these Terms and our Privacy Policy. If you don't agree, please don't use the site.

2. Use of the Site

The site provides information about our merchant-services offerings and allows you to request quotes and contact us. You may use the site only for lawful purposes and in accordance with these Terms. You're responsible for ensuring that any information you submit — including business details and processing volume estimates — is accurate and that you're authorized to provide it on behalf of your business.

3. Informational Nature of Estimates

Rate estimates, savings projections, pricing comparisons, and similar figures presented on this site or in response to a quote request are provided for informational purposes only. They are based on the information you supply and on assumptions that may not reflect your actual processing profile. They do not constitute an offer, a guarantee of rates or savings, or a commitment to provide services. Actual pricing and approval are subject to underwriting, sponsor bank review, card-network rules, and a signed merchant agreement.

4. No Professional Advice

Content on this site is general information about payment processing and is not legal, tax, accounting, or financial advice. You should consult your own advisors before making decisions based on information found here.

5. Intellectual Property

The site and its content — including text, graphics, logos, design elements, and software — are owned by Paymerica or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may view and print pages for your own business evaluation purposes, but you may not copy, reproduce, distribute, or create derivative works from the site's content without our prior written permission.

6. Acceptable Use

When using the site, you agree not to:

• Submit false, misleading, or fraudulent information through our forms
• Use the site in any way that violates applicable law or regulation
• Attempt to gain unauthorized access to the site, its servers, or connected systems
• Use automated means (bots, scrapers) to access the site or harvest data from it
• Interfere with or disrupt the operation or security of the site
• Impersonate any person or misrepresent your affiliation with any business

7. Disclaimer of Warranties

The site and its content are provided "as is" and "as available," without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We don't warrant that the site will be uninterrupted, error-free, or free of harmful components, or that any content is accurate, complete, or current.

8. Limitation of Liability

To the fullest extent permitted by law, Paymerica and its officers, employees, and agents will not be liable for any indirect, incidental, consequential, special, or punitive damages — including lost profits or lost business — arising out of or related to your use of the site or reliance on its content, even if we've been advised of the possibility of such damages. Our total aggregate liability for any claim relating to the site will not exceed one hundred U.S. dollars ($100). Some jurisdictions don't allow certain limitations, so parts of this section may not apply to you.

9. Governing Law

These Terms are governed by the laws of the state in which Paymerica LLC is organized, without regard to conflict-of-law principles. Any dispute arising out of these Terms or your use of the site will be brought exclusively in the state or federal courts of that state, and you consent to their jurisdiction.

10. Changes and Contact

We may revise these Terms at any time by posting an updated version on this page. The "Last updated" date above reflects the most recent revision, and your continued use of the site after changes take effect constitutes acceptance of the revised Terms. Questions about these Terms can be sent through the contact form.