Terms of service

Terms of Service

Welcome to American Card Payments (“Company,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your use of our website www.americancardpayments.com and all related services, including but not limited to payment processing and merchant cash advances (collectively, the “Services”).

By accessing our website or using our Services, you agree to be bound by these Terms. If you do not agree, do not use our Services.

1. Eligibility

To use our Services, you must:

  • Be at least 18 years old

  • Be authorized to act on behalf of a U.S.-based business

  • Provide accurate, complete, and truthful information at all times

2. Services Provided

We offer:

  • Payment processing solutions for in-person and online transactions

  • Merchant cash advances and working capital options

  • Business support, funding consultations, and onboarding services

We reserve the right to modify or discontinue Services at any time, without prior notice.

3. Application & Account Responsibilities

By submitting an application, you agree:

  • To provide truthful and verifiable business and personal information

  • That we and/or our funding or processing partners may conduct credit, background, and identity verification checks

  • That we may contact you via email, phone, or SMS regarding your application and account

You are responsible for maintaining the confidentiality of your account credentials.

4. Use Restrictions

You agree not to:

  • Use the Services for illegal, fraudulent, or misleading purposes

  • Violate any applicable federal, state, or local laws or regulations

  • Misrepresent your identity or business information

  • Use the Services in a way that could harm our reputation or operations

5. Intellectual Property

All content, branding, and technology on our website are owned or licensed by American Card Payments. You may not copy, reuse, or distribute our intellectual property without prior written consent.

6. Limitation of Liability

To the fullest extent allowed by law, American Card Payments shall not be liable for any indirect, incidental, special, or consequential damages, including loss of revenue, data, or business opportunities, arising from your use of the Services.

7. Termination

We may terminate or suspend access to the Services at any time, with or without notice, for any reason, including violation of these Terms. You may cancel your account by contacting us directly.

8. Changes to Terms

We reserve the right to update or revise these Terms at any time. Updates will be posted on this page with a new effective date. Your continued use of the Services constitutes acceptance of the revised Terms.