Start Accepting Cards at Zero Cost
On average, businesses spend $10,000 annually on credit card fees alone. Plastiq allows your business to receive payments at no cost. It’s as easy as letting your customers know where to pay you and we take care of the rest.
Plastiq was founded to enable credit and debit cardholders to pay for anything on card.
Your customers tell us where to send the payment, we charge their cards (along with a service fee) and directly deposit the payment to you.
How does Plastiq work for my business?
Direct your customers to your personalized landing page through your unique url.
Once they submit a payment, you’ll receive an email notification that the payment is on the way.
The payment will then be deposited in 2 - 3 business days directly into your bank account.
Your customers not only love Plastiq because of the convenience, but they also:
Why customers use Plastiq
Save time with our new “QuickPay” option
Maximize on cash back deals from card brands
Earn travel rewards with earned credit card points
Benefit from guaranteed payment delivery
Businesses not only save when using Plastiq, a few added benefits are:
Why businesses like Plastiq
It’s free - eliminate all credit card costs for your business
Maximize your businesses overall cash flow
Get your payments funded faster and guaranteed
Plastiq handles all security and compliance risks
Trusted by over 1,000,000 customers
Billions in payments made globally
150,000 non-card accepting business funded
Payments made to over 100+ different industries
Plastiq services business types of all sizes!
We work with small businesses like construction and accounting to global businesses across all industries.
Start using Plastiq today
You agree not to use the Services:
For unsupported transfers, including sending money
to yourself or an entity in which you have control;
on behalf of another party;
not in direct exchange for a rendered good or service;
for alimony or to escrow accounts where a contract cannot be provided;
for goods or services whose delivery or completion has not yet been confirmed;
as a donation to an organization not classified as a registered charity;
other than for legitimate payment purposes (e.g., to test or probe card behaviors).
For unsupported goods and services, including
gambling and related activity (such as lotteries, bidding fee auctions, sports forecasting or odds making, fantasy sports leagues, internet gaming, contests, sweepstakes, and games of chance);
unsupported debt types (such as credit card balances or uncollateralized loans);
certain investment accounts or to fund unsupported investments, including but not limited to 401(k) accounts, 403(b) plans, 457 plans, 529 plans, and IRAs;
controlled substances and related goods or services;
tobacco, e-cigaretttes, and e-liquid;
products sold by online pharmacies;
pornography, obscene materials, and sexually-related services;
weapons, munitions, gunpowder, fireworks, and other explosives;
toxic, flammable, and radioactive materials; or
other goods and services subject to government regulation.
For uses not supported by specific Payment Methods:
For Visa cards, mortgage payments are not supported.
For Payments to Recipients in the United States, the use of American Express cards is not supported beyond the following industries: Government, Utilities, Education, Residential Rent, and Club Fees & Memberships.
For Payments to Recipients in Canada, the use of American Express cards is not supported beyond the following industries: Government, Utilities, School, School K-12, Business Services and Residential Rent.
In violation or potential violation of applicable law, regulation, rule, or legal interest, including
sending or receiving potentially fraudulent funds;
in the course of any activity regulated by the Financial Crimes Enforcement Network (FinCEN) or any other relevant regulatory body;
infringement or potential infringement of any party’s copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy;
acting in a manner that could be defamatory, trade libelous, threatening or harassing;
using your Account or the Services in violation of applicable payment network rules;
In a manner detrimental to our provision of the Services, including
the provision of outdated, false, inaccurate, or incomplete information;
using any promotional or referral programs in a manner deemed abusive or against the intention of said programs;
maintain or using multiple Accounts;
allowing other individuals to access or use your Account;
using an anonymizing proxy;
using the Services in a manner that results in or may result in complaints, Disputes, Claims, chargebacks, fees, fines, penalties and other liability to Plastiq, a third party, or you;
imposing unreasonable demands on our technical or personnel resources;
facilitating viruses, Trojan horses, worms or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or Information;
using any robot, spider, other automatic device, or manual process to access, monitor or copy our website without our prior written permission;
using any device, software or routine to bypass our robot exclusion headers, or interfere or attempt to interfere, with our website or the Services;
taking any action that may cause us to lose any of the services provided by our Recipients, payment processors, or other suppliers;
Reselling, re-skinning, or otherwise distributing our Services;
breaching this Agreement or any other agreement or policy that you have agreed to with Plastiq.
If you have a payment use case which is not explicitly mentioned above, and for which you would like to confirm support, please check with our Member Services team by emailing email@example.com.
Plastiq may request more information relating to your use of the Services to seek to identify Restricted Activities. You agree to cooperate in any investigation and to provide confirmation of your identity and any Information you provide to us, as we may require.
If we have reason to believe that you have engaged in any Restricted Activities, Plastiq reserves the right to, in its sole discretion and at any time, take any or all of the following actions:
Close, suspend, or limit your access to your Account or the Services;
Hold, return, or reclaim funds;
Update inaccurate information you provided to Plastiq;
Refuse to provide Services to you in the future;
Contact your bank or notify other Users, law enforcement, or impacted third parties of your actions;
Take legal action against you.
When not otherwise obligated by regulatory or compliance considerations, Plastiq will provide you with notice of any such actions. If applicable, Plastiq may request more information regarding your use of the Services to better determine whether or not Restricted Activities may have occurred.
4.3 Supported Industries
4.3.1 Visa, Mastercard, Discover, JCB and Diners Club
Except as otherwise provided, Users may use Visa, Mastercard, Discover, JCB and Diners Club Payment Methods in any Industry.
4.3.2 American Express
Use of American Express Payment Methods is limited to industries made available to users when selecting your recipient category. Non-accepted categories are noted by Plastiq with a clear warning message indicating as such, and submission of payments to non-permitted industries is a violation of our terms. By selecting the recipient category, you acknowledge that the payment you are making is for the category type you indicate and which is allowable by American Express.