Referral Partners: An Introduction to Payment Processing and Merchant Cash Advance

We’re thrilled to welcome you to the American Card Payments Referral Program! As a referral partner, you’ll play a key role in helping businesses save money on their payment processing fees and access fast Merchant Cash Advance funding, all while earning $150 for every successful referral.

Whether you’re well connected with local business owners, part of a professional network, or simply know someone in need of better payment solutions, this program gives you an easy way to earn extra income while supporting small and medium sized businesses in your community.

Getting started is simple: refer businesses to us, and once they sign up with ACP for payment processing or funding, you’ll receive your referral bonus.

The best part? There are no limits on your referral bonuses, so the more businesses you refer, the more you earn.

Part 1: What is Payment Processing? 💳

Every time a customer swipes, taps, or inserts a credit/debit card, the money doesn’t go straight to the business, it goes through a payment processor first.

Think of us like the “middleman” between the customer’s bank and the business’s account, making sure the money gets there safely and quickly.

Why Do Businesses Work With American Card Payments

Many business owners are paying high fees to accept cards and don’t even know it.

We help them:

  • Lower their card processing fees (so they keep more of every sale).
  • Upgrade to modern terminals that accept tap-to-pay, Apple Pay, and Google Pay.
  • Get faster deposits into their bank account.

How Do We Offer Low Fees?

We cut out hidden charges

  • Many processors add unnecessary “junk fees.”
  • We offer transparent, competitive pricing and negotiate directly for the best rates possible.

Example:

If a shop currently pays 3.5% per transaction and we bring it down to 2.5%, they save thousands of dollars a year, money they can reinvest into their business.

Your Role is Simple: How to Refer

  • Simply connect us with the business owner.
  • Share their business name, contact info, and type of business (we will provide you with a lead form to fill out)
  • Once they sign up with us, you earn $150.

Part 2: What is Merchant Cash Advance (MCA)? 💵

Some businesses need fast cash for things like:

  • Buying inventory
  • Renovations
  • Covering slow seasons

An MCA gives them a lump sum of cash upfront, which they repay through a small percentage of their future sales.

  • It’s not a loan, there is no fixed monthly payments.
  • They pay us back automatically as customers make purchases.

Why Do Businesses Choose Merchant Cash Advance (MCA)?

Fast Approvals: No waiting weeks for a bank loan decision. With MCA, businesses can get approved quickly and often receive funds within 24–48 hours.

No Collateral Required: Unlike traditional loans that require assets like property or vehicles as security, MCAs qualify businesses based on their revenue from the last 6 months of bank statements.

Flexible Repayments: Payments aren’t fixed like a loan. Instead, businesses repay a small percentage of their daily sales. This means they pay more when business is good and less during slower periods.

Non-Bank Solution: Perfect for business owners who don’t want to deal with strict bank requirements, lengthy paperwork, or credit score hurdles. An MCA focuses on the business’s cash flow, not their credit history.

Great for Growth or Emergencies: Whether they need cash for inventory, renovations, marketing, or covering seasonal slowdowns, an MCA offers fast, flexible funding to keep their business moving forward.

Example:

A salon needs $15,000 to remodel. American Card Payments provide the cash, and they repay it little by little as clients pay with cards.