The 90-Day Profit Guarantee
If you haven't saved money on processing in 90 days, every Payzium fee is refunded and we cover up to $1,000 of your switching costs.
In writing. Measured at day 90. No retention call. Backed by our Merchant Agreement.
The guarantee, in writing
Bring us your last full month's statement at signup. If your effective rate on Payzium isn't lower after 90 days, every Payzium fee comes back within 30 days, plus up to $1,000 reimbursed against documented switching costs.
The full version.
The 90-Day Profit Guarantee. If you haven't saved money on processing in 90 days, every Payzium fee is refunded and we cover up to $1,000 of your switching costs to move to any processor you want.
This is the version we hold ourselves to in writing. The headline above is the short form. The two are the same commitment.
Why we wrote a guarantee.
The Honest Rate Promise says we won't cheat you. The 90-Day Profit Guarantee says that if switching wasn't worth it anyway, you aren't stuck with the bill.
Those are two different fears. Most merchants we talk to have both. A new processor could overcharge them in new ways, and even if it doesn't, switching costs money that doesn't come back. The guarantee covers the second half. The Promise covers the first. Together they make the decision to switch a decision you can't lose on.
Who's eligible.
You're a new Payzium merchant.
The 90 days start the day your account goes live. There's no retroactive eligibility for accounts already past day 90.
You bring a last full-month statement at signup.
From your previous processor. We need a comparison baseline to measure savings against. No statement, no measurable comparison.
You process on Payzium for the full 90 days.
We need a Payzium baseline too. Underwriting will confirm at signup that your expected volume supports a reliable effective-rate comparison over 90 days.
Your account is in good standing at day 90.
Standard underwriting compliance. The guarantee doesn't cover accounts suspended or closed for cause.
What it doesn't cover.
Interchange and card-network passthroughs.
Set by Visa, Mastercard, Interac, and American Express. Pass through to you at cost. We don't mark them up. They're outside Payzium's control and outside the guarantee.
Switch reimbursement above $1,000.
The cap is the cap. Document everything you spend on the migration; reimbursement is paid against receipts, up to $1,000. Excess is yours.
Anything after day 90.
First 90 days only, not rolling. The Honest Rate Promise still applies to any future junk fee, forever, but this guarantee doesn't refresh after the window closes.
Chargeback and dispute fees set by the issuing bank.
Same logic as interchange. The issuing bank sets the fee; we pass it through. Not a Payzium fee, not subject to refund.
What you get back.
Three parts. Each one is structural, not discretionary.
The fee refund
100% of Payzium fees
Per-transaction margin, the $5 monthly account fee, and any other Payzium-originated line item, refunded in full within 30 days of the claim.
The switch reimbursement
Up to $1,000
Documented out-of-pocket costs of moving to another processor: terminal reprogramming, POS integration, gateway setup, and staff migration time at a reasonable hourly rate. Paid against receipts, capped at $1,000.
What you keep
Everything else
Card sales settled into your bank as they happened. Hardware you bought outright. The 90 days of reporting and data. No clawback on anything that was always yours.
The total payout, every time: every Payzium fee back, plus up to $1,000 for the move.
How to claim the guarantee.
At day 90, email maurice@payzium.com with your account ID, your pre-Payzium statement, your first 90 days of Payzium reporting, and any documented switching costs.
5
Business days to first response
30
Days to payout, from your claim
We adjudicate on the math. Not on the paperwork.
common questions
Questions merchants ask about the guarantee
How do you measure whether I've saved money?
We compare the effective rate on your last full month's statement from your previous processor against your effective rate on Payzium across the first 90 days. Effective rate is total processor charges divided by total card volume. We use the same denominator on both sides. If your Payzium effective rate isn't lower, you've triggered the guarantee.
What does "every Payzium fee is refunded" actually cover?
Every dollar billed by Payzium during the 90 days: per-transaction margin, the $5 monthly merchant account fee, and any other Payzium-originated line item. It does not cover interchange or card-network passthroughs, because those are set by Visa, Mastercard, Interac, and American Express and pass through to you at cost.
What can the $1,000 switching reimbursement be spent on?
Documented out-of-pocket costs of moving to a different processor: terminal reprogramming or replacement, POS integration work, payment-gateway setup fees, and the value of staff time spent on the migration (at a reasonable hourly rate). Submit receipts or a time log. Reimbursement is paid up to the actual documented amount, capped at $1,000.
Does the 90 days roll, or is it a one-time window?
One-time. The window starts the day your Payzium account goes live and closes 90 days later. After day 90, the Honest Rate Promise still applies to any future junk fee, but the Profit Guarantee does not refresh. It's first-90-days protection, not a perpetual money-back.
What if my volume changes a lot during the 90 days?
Effective rate normalizes for volume; that's the whole point of using a percentage. A merchant who processes $40K one month and $80K the next still has one Payzium effective rate and one comparison effective rate. Card mix swings (more keyed, more debit, more rewards cards) can shift the math, which is why we compare on apples-to-apples effective rate, not absolute dollars.
Is the guarantee really in the contract?
Yes. It lives in the Merchant Agreement you sign at signup. The page above is the plain-English version of what's written in Section 7. If you ever invoke it and Payzium fails to pay, you have the contract in hand.
from page to contract
The guarantee is in your Merchant Agreement, not on our website.
The 90-Day Profit Guarantee lands in your Merchant Agreement at signup. Apply online; the 90 days start when you go live.