Payments
Merchant ServicesTrue ZeroText-to-Pay & InvoicingVirtual TerminalRecurring BillingPOS SystemsPricingCost CalculatorSwitch to JadaPayIndustries
RestaurantsRetailHome ServicesGarage DoorsHVAC, Plumbing & ElectricalRoofing & ExteriorsFarm MarketsFarm Supply & AgAuto RepairAll Industries
Payment Processing FAQFrequently Asked Questions
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.
Talk to a Real Person
Our team is here to answer your questions, and you talk to real people, not bots.
Veteran-Owned
Integrity in every answer
Transparent Pricing
No hidden fees or surprises
Real Human Support
People who answer the phone
Free Statement Analysis
See what you’re really paying
Payment Processing Questions Answered
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.
General Processing
What is payment processing and how does it work?
Pricing & Fees
What does it cost and are there hidden fees?
Dual Pricing
How dual pricing works and who it’s right for.
Equipment & POS
Terminals, POS systems and what’s right for your business.
Funding Times
When does the money hit your account?
Software & Integrations
Online payments, text-to-pay, and software connections.
Industry Questions
Contractors, restaurants, retail, nonprofits, and more.
Switching Processors
How easy is it to switch and how long does it take?
General Payment Processing Questions
What is payment processing?
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.
What types of payments can JadaPay process?
- Credit Cards
- Debit Cards
- EMV Chip Cards
- Contactless Payments
- Apple Pay & Google Pay
- Mobile Wallets
- ACH Payments
- Recurring Billing
- Online Payments
- Virtual Terminal Transactions
Do I need a merchant account?
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.
How long does merchant account approval take?
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.
Pricing Questions
How much does payment processing cost?
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.
Are there hidden fees?
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.
Can JadaPay help reduce my processing costs?
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.
What is a merchant statement analysis?
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 Questions
What is dual pricing?
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.
Is dual pricing the same as a surcharge?
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.
Is dual pricing legal?
When implemented properly, dual pricing programs can operate within applicable card brand rules and regulatory requirements. JadaPay helps set up signage, receipts, and settings with card-brand and state rules in mind. Rules vary by state and card brand, and merchants remain responsible for the rules that apply to them. In Colorado, True Zero is offered as a cash discount program.
Does dual pricing work for every business?
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.
Equipment Questions
What equipment does JadaPay offer?
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.
Can I keep my existing equipment?
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.
What is the best terminal for contractors
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.
What is the best POS system for restaurants?
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
What is the best POS system for retail stores?
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.
What is Clover POS?
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 Questions
When will I receive my money?
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.
Can I receive same-day funding?
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.
Software & Integration Questions
Can JadaPay integrate with my existing software?
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.
Can JadaPay integrate with iCabbi?
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.
Do you offer online payment solutions?
Absolutely. We support a full range of online payment options:
- Online Payments
- Hosted Payment Pages
- E-Commerce Integrations
- Payment Links
- Digital Invoicing
- Recurring Billing
Can customers pay by text message?
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.
Industry-Specific Questions
Do you work with contractors?
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
Do you work with restaurants?
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.
Do you work with retail stores?
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
Do you work with taxi companies?
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.
Do you work with Amish and Mennonite-owned businesses?
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.
Do you work with nonprofits?
Yes. We support many nonprofit organizations with solutions for:
- Donations
- Recurring Giving
- Event Registration Payments
- Online Payments
Switching Processors
Is switching processors difficult?
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.
Can I keep my current phone number and website?
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.
How long does it take to switch?
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.
What if I am under contract with my current processor?
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.
About JadaPay
Why choose JadaPay?
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.
Is JadaPay Veteran-Owned?
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.
Where does JadaPay provide service?
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.
How do I get started with JadaPay?
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.
We’re Here to Help
If you didn’t find the answer you were looking for, our team is happy to help. Contact JadaPay today and talk to a real person who understands payment processing.
Call Us
Talk directly to a payment processing specialist who can answer your questions and walk you through your options.
Send an Email
Reach out at jadapay@jadapay.com and our team will respond promptly with the answers you need.
Free Statement Analysis
Upload your current merchant statement and let our team review your costs, rates, and potential savings opportunities — completely free.
Free Statement Analysis
See what you’re paying
Equipment Consultation
Find the right fit
POS Demonstrations
See the platform in action
Dual Pricing Evaluation
Is it right for you?
Software Integration Review
Connect your tools
Ready for Better Payment Processing?
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.