Guide
Merchant services without a long-term contract
Long early-termination fees lock merchants into bad rates. Our standard offer does not use a long-term lock-in. You stay because the numbers work.
Why contracts became normal
Equipment leases, ISO residuals, and “free terminal” promotions were often paid for with multi-year agreements and early termination fees. The merchant paid for convenience later.
What “no long-term lock-in” means here
On the standard PFAdvance offer, you are not trapped by a multi-year processing term designed to punish an exit. If the savings analysis does not hold up in practice, you can leave.
Always read the actual merchant agreement before you sign. Terms can vary by underwriting path and equipment choices.
Start with the analysis, not the paperwork
Send a recent statement first. If the savings are not there, you have not wasted a sales cycle. If they are, implementation is the next conversation.
Related reading
FAQ
Are there any fees to leave?
The standard offer is built without a long-term lock-in. Review your agreement for equipment or third-party items if those apply to your setup.
Do I need to switch to get the analysis?
No. The savings analysis is free and comes with no obligation.