Straight answers about fees, contracts, compliance, and how we work.
Yes. Your initial statement review and consultation are free and carry no obligation. You are never required to sign anything or switch providers.
No. We can't promise specific savings, because your rate depends on your industry, monthly volume, average ticket, and card mix. We give honest, realistic guidance rather than unrealistic promises.
No. NovaPayworks is an independent merchant services consulting provider. We are not a bank, lender, or financial institution, and we do not issue loans, cash advances, or credit.
It's a transparent pricing model that separates the fixed network cost (interchange) from your processor's markup, so you can clearly see what you're paying for. We generally prefer it over bundled tiered or flat-rate pricing.
Not at all. Sometimes the best advice is to keep exactly what you have. Our goal is to help you understand your options, not to push a change.
PCI DSS is a security standard for businesses that handle card data. Most merchants that accept cards are expected to validate compliance, usually through an annual self-assessment questionnaire. We explain the basics in our PCI guide.
Yes. We advise on card-present terminals and POS systems as well as online gateways, hosted checkout pages, and recurring billing setups.
One or two recent monthly processing statements are ideal. Knowing your approximate monthly volume and average ticket size also helps us give accurate guidance.
We help you put simple prevention habits in place — clear billing descriptors, transparent refund policies, and organized records — and show you how to assemble evidence to respond to disputes.
Our consulting engagements are scoped to your needs, and any fees are confirmed in writing before paid work begins. We also help you review third-party processor contracts for lock-ins and termination fees.
We serve small and mid-size businesses across the United States, with a home base in Larned, Kansas.
Simply contact us or call +1 (620) 910-5252. We'll set up a short, free conversation to understand your situation.
Reach out and a US-based consultant will get back to you with a clear, honest answer.
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