Payment Processing FAQ
Choosing a payment processing partner is an important decision. Whether you're opening a new business, evaluating your current processor, exploring dual pricing, or looking for a new POS system — you probably have questions.
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We've compiled answers to the most common questions we receive from business owners. If you don't find what you're looking for, our team is always available to help.
Payment processing is the technology that allows businesses to accept credit cards, debit cards, contactless payments, mobile wallets, ACH payments, and other forms of electronic payment. When a customer pays with a card, payment processing securely moves funds from the customer's bank to your business account.
Credit Cards
Debit Cards
EMV Chip Cards
Contactless Payments
Apple Pay & Google Pay
Mobile Wallets
ACH Payments
Recurring Billing
Online Payments
Virtual Terminal Transactions
Yes. A merchant account is required for most businesses to accept credit card payments. JadaPay can help establish a merchant account and guide you through the approval process from start to finish.
Most merchant accounts can be approved within 24 to 72 hours. Certain industries or higher-risk business types may require additional underwriting review, which can take a bit longer. Our team will keep you informed throughout the process.
Processing costs vary based on several factors:
Industry Type
Monthly Processing Volume
Average Transaction Size
Card Types Accepted
Processing Method (in-person vs online)
Business Model
We recommend a complimentary statement analysis to determine your current costs and identify potential savings opportunities specific to your business.
No. One of JadaPay's core principles is transparency. We believe business owners should understand exactly what they are paying and why. No hidden fees, no confusing statements, no surprises.
In many cases, yes. We frequently identify opportunities to reduce costs through:
Pricing Structure Reviews
Equipment Upgrades
Dual Pricing Programs
Operational Improvements
Payment Method Optimization
A free statement analysis is the best way to identify what your business could save.
A merchant statement analysis is a complimentary review of your current processing statement. Our team identifies your effective rate, monthly fees, hidden charges, PCI fees, equipment costs, and potential savings opportunities — all at no cost and no obligation.
Dual pricing is a pricing model that allows businesses to offer a cash price and a card price, giving customers the ability to choose their preferred payment method. The business displays both prices clearly — customers paying with cash receive the lower cash price; those paying by card pay the card price.
No. Dual pricing and surcharge programs operate differently and have different compliance requirements. Our team can explain the differences in detail and help determine which option — if any — is appropriate for your business.
When implemented properly, dual pricing programs can operate within applicable card brand rules and regulatory requirements. JadaPay assists businesses with proper implementation and setup to ensure compliance from day one.
No. Every business should be evaluated individually. Some industries are excellent candidates for dual pricing — such as convenience stores, liquor stores, restaurants, and contractors — while others may benefit more from alternative pricing structures. JadaPay always starts with a consultation before making any recommendation.
We support a range of solutions to fit different industries and business types:
Clover POS Systems
Dejavoo Credit Card Terminals
Exatouch Retail POS
TableTurn Restaurant POS
Our team helps determine which solution best fits your business before making any recommendations.
Sometimes. Compatibility depends on the equipment model, software requirements, and processing platform. We'll review your existing equipment before making any recommendations to ensure you're getting the right solution.
Many contractors choose wireless and mobile solutions that allow payment collection directly at the job site:
Dejavoo Wireless Terminals
Clover Flex
These devices provide the mobility contractors need to get paid before leaving the job.
Many restaurants choose from two popular options depending on their size and operational needs:
TableTurn Restaurant POS — purpose-built for restaurants
Clover Restaurant Solutions — flexible and scalable
The best option depends on your operational needs, table count, back-of-house requirements, and business goals
Many retailers choose from two strong options:
Exatouch Retail POS — excellent for inventory-heavy businesses
Clover POS Systems — versatile for a wide range of retail types
Businesses with large inventories often prefer Exatouch due to its powerful inventory management, reporting, and multi-location capabilities.
Clover is one of the most popular and versatile POS systems available for small and medium businesses. It works for restaurants, retail stores, service businesses, and more — with a range of hardware options including Clover Station, Clover Mini, Clover Flex, and Clover Go. JadaPay helps businesses select, set up, and support Clover systems.
Funding times vary depending on the processing platform, banking institution, and transaction timing. Many businesses qualify for next-business-day funding, meaning transactions processed today are deposited into your account the following business day.
In some cases, yes. Eligibility for same-day funding depends on your account configuration and processing platform. Our team can review your setup and help determine whether same-day funding is an option for your business.
Often, yes. We support a variety of software integrations and payment solutions depending on your business needs. Our team will review your current software environment and identify integration options before making recommendations.
Yes. We have integration options available for transportation companies utilizing iCabbi dispatch software. This makes JadaPay a strong fit for taxi operators, rideshare companies, and transportation providers using the iCabbi platform.
Absolutely. We support a full range of online payment options:
Online Payments
Hosted Payment Pages
E-Commerce Integrations
Payment Links
Digital Invoicing
Recurring Billing
Yes. Our Text-to-Pay solutions allow businesses to send secure payment requests directly to customers via text message. The customer clicks a secure link and completes payment on their phone — no app download required. It's a popular option for contractors, service businesses, and professional offices.
Yes. We support a wide range of contractor types with mobile payments, wireless terminals, and invoicing tools for field-based businesses:
Roofers
HVAC Companies
Plumbers
Electricians
Garage Door Companies
General Contractors
Restoration Companies
Landscapers
Yes. We offer restaurant-specific payment solutions including TableTurn and Clover Restaurant systems — designed for front-of-house and back-of-house operations, table management, kitchen display, and fast checkout.
Yes. We support a wide range of retail businesses with inventory management, payment acceptance, and customer management solutions:
Liquor Stores
Convenience Stores
Grocery Stores
Boutiques
Specialty Retailers
Pet Stores
Smoke Shops
Yes. We offer integrated payment solutions for taxi operators, transportation providers, airport shuttle services, limousine companies, and NEMT providers — including iCabbi integration for dispatch-connected payment acceptance.
Yes. JadaPay proudly serves businesses throughout the Plains Community and understands the importance of building long-term relationships based on trust and exceptional service. We work with these communities across multiple states and tailor our solutions to fit their specific needs.
Yes. We support many nonprofit organizations with solutions for:
Donations
Recurring Giving
Event Registration Payments
Online Payments
ACH Donations
Usually not. Our team handles much of the transition process and works to minimize disruptions to your business operations. We've helped hundreds of businesses switch processors smoothly and quickly.
Yes. Changing processors typically has no impact on your website, phone number, business name, or customer relationships. Your customers won't notice a thing — except possibly faster checkout or better technology.
Many businesses can be fully transitioned within a few days, depending on equipment, software, and account requirements. Our team works to get you up and running as quickly as possible.
We'll review your existing agreement and help you understand your options. In many cases there are paths forward — and sometimes the savings from switching make the transition worthwhile even with an early termination fee. We'll give you an honest assessment.
Business owners choose JadaPay because of our commitment to what actually matters:
Transparent Pricing — no surprises, no hidden fees
Exceptional Customer Service — real people who answer the phone
Modern Technology — POS and payment solutions that support growth
Industry Expertise — solutions built for your specific business type
Veteran-Owned Leadership — integrity and accountability in every relationship
Long-Term Partnerships — we're here after the paperwork is signed
Our goal is not simply to process payments. Our goal is to help businesses grow.
Yes. JadaPay is proudly Veteran-Owned and operated. We bring military values of integrity, accountability, hard work, and exceptional service into every customer relationship. We're especially proud to support fellow veteran entrepreneurs and veteran-owned businesses throughout the United States.
We serve businesses throughout the United States. Whether you operate a single location or multiple locations across the country, our team is ready to help. We have offices in Colorado, Indiana, Florida, and Washington — and serve clients nationwide.
The easiest way to get started is to reach out for a free statement analysis or schedule a consultation. Our team will review your current setup, answer your questions, and recommend the best solution for your business — with no pressure and no obligation.
Still Have Questions?
If you didn't find the answer you were looking for, our team is always available. Contact JadaPay today and talk to a real person who understands payment processing.
Talk directly to a payment processing specialist who can answer your questions and walk you through your options.
Reach out at info@jadapay.com and our team will respond promptly with the answers you need.
Upload your current merchant statement and let our team review your costs, rates, and potential savings opportunities — completely free.
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Whether you have more questions or you're ready to get started, our team is here to help — with honest answers, transparent pricing, and dedicated support from real people.
