Question 1

How does the approval process work?

Accepted Answer

Apply online and most accounts are reviewed, approved, and boarded within 1 to 2 business days. Larger or more complex accounts may take a little longer. We do thorough underwriting upfront, which takes more effort at the start but means you won't face the surprise fund holds and mid-growth account reviews that are common with other processors. Supporting documentation is almost always required: a voided check, government-issued ID, bank statements, and prior processing statements if applicable. Everything is submitted through our secure merchant portal, so no sensitive information is ever exchanged over email. Our team is with you every step.

Question 2

Is there a setup fee or any hidden fees to get started?

Accepted Answer

No setup fees, ever. Your only costs are the monthly platform fee for your chosen plan (starting at $25/mo for the Digital PayTech Bundle) and the per-transaction rate when you process payments. There are no activation fees, PCI compliance fees, statement fees, or annual fees hiding in the fine print.

Question 3

What happens if a customer disputes a charge (chargeback)?

Accepted Answer

When a dispute is filed, our team notifies you right away and walks you through the response process. We help you gather the evidence needed — receipts, delivery confirmations, correspondence — and submit it on your behalf. Each dispute carries a standard $25 chargeback fee from the card network, which is typical across the industry. Merchants using No-Fee Mode still owe this fee, but the underlying transaction cost is already covered by the customer convenience fee, so your net exposure is lower.

Question 4

Can I switch between No-Fee Mode and Standard (Legacy) pricing after signing up?

Accepted Answer

Yes — switching is straightforward. Because we operate on month-to-month contracts, you can request a mode change at any time by contacting your account manager. The change typically takes effect within one business day. Most merchants who try No-Fee Mode stick with it; customers rarely object to the small convenience fee, and merchants keep 100% of their sale price.

Question 5

Is ACH bank transfer processing available, and what does it cost?

Accepted Answer

ACH processing is included on both the Digital PayTech Bundle (Basic) and Digital Finance Suite (Premium) plans. It's a great option for high-ticket invoices, recurring billing, and B2B payments where customers prefer a direct bank transfer. In Standard Mode, ACH runs at 1% + $0.30 per transaction — significantly lower than card rates. In No-Fee Mode, the convenience fee covers the cost just like it does for card transactions, so you still net 100% of the invoice amount.

Question 6

Do you accept government-issued cards?

Accepted Answer

Yes — government-issued purchasing cards, including GSA SmartPay (the U.S. federal government's primary card program), are accepted across all plans. GSA SmartPay cards are backed by Visa, Mastercard, or American Express, so they work anywhere those networks are accepted — no special enrollment required. This matters for nonprofits, government contractors, and faith-based organizations that receive government-funded grants or provide services billed to a government agency. These transactions frequently qualify for Level 2 and Level 3 interchange rates, which lowers your cost per transaction compared to standard consumer card rates. Government cards work across the Virtual Terminal, payment links, invoices, and API integrations.

Note: Traditional fleet fuel cards (WEX, Voyager, Fleetcor) are a different product — they route through private networks and are MCC-restricted to fuel stations and auto merchants. If your business operates in those categories, ask your account manager about fleet card acceptance during onboarding.

Question 7

What is your cancellation policy? Are there any early termination fees?

Accepted Answer

All plans are month-to-month contracts with no early termination fees — period. If you decide to cancel, just give us notice before your next billing cycle and you won't be charged again. We believe we've earned your business every single month, and we're not interested in trapping you with fees. That said, if something isn't working for you, we'd love the chance to make it right before you go.

Question 8

What PL Payment, Inc. is NOT

Accepted Answer

PL Payment, Inc. is not a nonprofit — we are a for-profit company, and we make no apology for it. A healthy business sustains its mission long-term, and ours is to redirect processing revenue toward life-affirming causes rather than away from them.

We are not grifters who launched a brand to ride a cultural moment and make a quick buck. This company was founded on conviction, not convenience, and every decision we make is measured against that standard.

We do not take the Word of God lightly. Our values are not a marketing strategy — they are the foundation of how we operate, who we partner with, and what we refuse to do. We will not compromise them to close a deal.

We are not in the business of trapping good people in bad agreements. No hidden fees, no early termination penalties, no bait-and-switch rates. The merchants and ministries who trust us with their payments deserve straight talk and fair terms — full stop.

We will not exploit "the least of these." Nonprofits, churches, crisis pregnancy centers, and small family businesses are not marks — they are our mission. If we ever find ourselves treating them as a revenue line instead of people to serve, we will have lost the plot entirely.

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