Last Updated: November 2, 2026
Your privacy is important to us. This policy outlines how we collect, use, and protect your information.
We collect information that you provide directly to us, including:
Contact Information: Name, email address, phone number, business name, and mailing address
Business Information: Business type, processing volume, transaction counts, and current processing fees
Payment Information: When you become a merchant, we collect payment processing data necessary to provide our services
Technical Information: IP address, browser type, device information, and usage data when you visit our website
Communications: Records of your communications with us, including customer service inquiries
We use the information we collect to:
Process and facilitate payment transactions on your behalf
Provide customer support and respond to your inquiries
Calculate potential cost savings and provide quotes
Send you service-related communications and updates
Improve our services and develop new features
Prevent fraud and ensure the security of our platform
Comply with legal obligations and industry regulations
Send marketing communications (with your consent)
We may share your information with:
Payment Processors: Our partner banks and payment networks to facilitate transactions
Service Providers: Third-party vendors who assist in operating our business
Legal Requirements: When required by law, subpoena, or court order
Business Transfers: In connection with a merger, acquisition, or sale of assets
Fraud Prevention: With fraud detection and prevention services
We do not sell your personal information to third parties for their marketing purposes.
We implement industry-standard security measures to protect your information:
PCI DSS Level 1 compliance for payment card data
SSL/TLS encryption for data transmission
Secure data storage with encryption at rest
Regular security audits and vulnerability assessments
Access controls and authentication requirements
Employee training on data protection and privacy
However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.
You have the right to:
Access: Request a copy of the personal information we hold about you
Correction: Request correction of inaccurate or incomplete information
Deletion: Request deletion of your personal information (subject to legal retention requirements)
Opt-Out: Unsubscribe from marketing communications at any time
Data Portability: Request a copy of your data in a portable format
Object: Object to certain processing of your information
To exercise these rights, contact us at Sales@TheCreditCardGuy.com
We use cookies and similar technologies to:
Remember your preferences and settings
Analyze website traffic and usage patterns
Improve user experience and website functionality
Serve relevant content and advertisements
You can control cookies through your browser settings, but disabling cookies may affect website functionality.
When you opt-in to receive SMS text messages from THE CREDIT CARD GUY, the following terms apply:
No Sharing: Your mobile phone number and opt-in will never be shared with third parties for marketing purposes
Opt-Out: You can opt-out at any time by replying STOP to any text message from us
Support: For help or questions about SMS messaging, text HELP or contact us at 888-641-8910
Message Frequency: Message frequency varies. Standard message and data rates may apply
By opting in to SMS communications, you consent to receive automated text messages about quotes, services, and updates from THE CREDIT CARD GUY at the phone number provided.
Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.
We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on our website and updating the "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the updated policy.
Please read these terms carefully before using our payment processing services.
By accessing or using The Credit Card Guy Merchant Services ("we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.
We are a Member Location Service (MLS) of Payarc LLC, a registered ISO/SP of Chesapeake Bank, Kilmarnock, VA; Evolve Bank & Trust, Memphis, TN; Synovus Bank, Columbus, GA; and a registered payment facilitator of Pathward Bank.
We provide payment processing services including:
Credit and debit card processing
Point of sale (POS) systems and equipment
Mobile payment solutions
E-commerce payment gateways
Dual pricing and surcharge programs
Payment processing analytics and reporting
As a merchant using our services, you agree to:
Provide accurate and complete information during registration
Maintain PCI DSS compliance for handling cardholder data
Process only legitimate transactions for goods or services provided
Comply with all applicable card network rules and regulations
Display clear refund and return policies to customers
Protect customer payment information and maintain security standards
Notify us immediately of any security breaches or suspected fraud
Not process transactions for prohibited or high-risk businesses without prior approval
Our pricing structure includes:
Processing Fees: Based on interchange rates plus our markup
Transaction Fees: Per-transaction charges as outlined in your merchant agreement
Monthly Fees: Account maintenance and service fees if applicable
Equipment Fees: Rental or purchase costs for POS terminals and equipment
Chargeback Fees: Fees assessed when customers dispute transactions
All fees will be clearly disclosed in your merchant agreement. We provide transparent pricing with no hidden fees.
Funds are typically settled within 1-2 business days after transaction processing
We may hold reserves for certain high-risk merchants or as required by our partner banks
Processing fees are automatically deducted from settled funds
You authorize us to debit your bank account for any fees, chargebacks, or refunds
Settlement timing may vary based on transaction type, card network, and risk factors
Chargebacks occur when customers dispute transactions. You agree to:
Accept financial responsibility for all chargebacks
Provide documentation to dispute invalid chargebacks within required timeframes
Pay chargeback fees as outlined in your merchant agreement
Maintain adequate funds to cover potential chargebacks
Work with us to minimize chargeback ratios
Excessive chargebacks may result in increased fees, reserves, or termination of services.
You may not use our services for:
Illegal activities or prohibited goods/services
Fraudulent, deceptive, or misleading transactions
Processing payments on behalf of third parties (payment aggregation)
Adult content or services (without prior approval)
Gambling or gaming activities (without prior approval)
Cryptocurrency exchanges (without prior approval)
Multi-level marketing or pyramid schemes
Tobacco, firearms, or other regulated products (without proper licensing)
Merchant agreements are month-to-month unless otherwise specified
Either party may terminate the agreement with written notice
We may suspend or terminate services immediately for violations of these terms
We may terminate services for excessive chargebacks, fraud, or compliance violations
Upon termination, all outstanding fees and charges become immediately due
You must return all equipment upon termination
To the maximum extent permitted by law:
We are not liable for indirect, incidental, or consequential damages
Our liability is limited to the fees paid by you in the preceding 12 months
We are not responsible for losses due to system downtime or technical issues
We are not liable for actions of third-party service providers or card networks
You indemnify us against claims arising from your use of our services
You are responsible for:
Maintaining PCI DSS compliance at all times
Completing required security assessments and questionnaires
Implementing appropriate data security measures
Reporting data breaches within required timeframes
Cooperating with security audits and investigations
Non-compliance may result in fines, increased fees, or termination of services.
All content, software, and materials provided through our services are protected by intellectual property rights. You may not copy, modify, distribute, or reverse engineer our technology without written permission.
We reserve the right to modify these Terms of Service at any time. We will notify you of material changes via email or through our website. Your continued use of our services after changes constitutes acceptance of the updated terms.
By opting in to receive SMS text messages from THE CREDIT CARD GUY, you agree to receive:
Notification messages: Account updates, transaction alerts, and service notifications
Marketing messages: Promotional offers, product announcements, and special deals
Two-factor authentication (2FA): Security codes and verification messages
Customer service: Support updates and inquiry responses
Message frequency may vary. Message & data rates apply. Your carrier's standard messaging rates will apply to all SMS correspondence.
To opt-out of SMS messages at any time, text STOP to any message you receive from us. You can also review our complete Privacy Policy for more information about how we handle your data.
Any disputes arising from these terms will be resolved through:
Good faith negotiations between the parties
Binding arbitration if negotiations fail
Applicable federal and state laws
Class action lawsuits and jury trials are waived to the extent permitted by law.