These Payment Method Terms govern the various payment methods available through SaveCash services, including credit cards, debit cards, bank transfers, digital wallets, and alternative payment methods. These terms supplement your SaveCash Services Agreement and specify the unique terms, limitations, and requirements applicable to each payment method.

1. Credit and Debit Cards

SaveCash accepts major credit and debit card brands including Visa, Mastercard, American Express, and Discover. Transactions are subject to network rules and processing fees.

1.1 Processing Requirements

• Proper authorization must be obtained before completing transactions
• Cardholder identification may be required for certain transactions
• Transactions must comply with all applicable network rules
• You must retain transaction records for 7 years

1.2 Processing Times

Most card transactions settle within 2 business days, though processing times may vary based on transaction type, risk factors, and settlement schedules.

1.3 Fees

Standard processing fees apply as disclosed in your pricing plan. Fees are deducted from transaction amounts before settlement.

2. ACH Transfers

Automated Clearing House (ACH) transfers enable bank account-to-bank account transfers for various use cases.

2.1 Types of ACH Transactions

• ACH debits for collecting payments from bank accounts
• ACH credits for disbursing funds to bank accounts
• Same-day ACH for expedited processing
• Recurring ACH for subscriptions and installment payments

2.2 Processing Times

Standard ACH transfers typically process within 3-5 business days. Same-day ACH transfers are available for an additional fee and typically settle the same business day.

2.3 Authorization Requirements

You must obtain proper authorization from customers before initiating ACH debits. Authorization must include account information, amount, frequency, and clear disclosure of terms.

3. Digital Wallets

SaveCash supports various digital wallet payment methods including Apple Pay, Google Pay, Samsung Pay, and other wallet services.

3.1 Supported Wallets

• Apple Pay (iOS and web)
• Google Pay (Android and web)
• Samsung Pay (Samsung devices)
• Other wallet services as they become available

3.2 Processing and Fees

Digital wallet transactions are processed as credit or debit card transactions and subject to the same fees and terms.

4. Wire Transfers

SaveCash facilitates domestic and international wire transfers for high-value transactions.

4.1 Processing Times

Domestic wire transfers typically process the same business day if initiated before cutoff times. International wires may take 1-5 business days depending on the destination country.

4.2 Fees

Wire transfer fees apply as specified in your pricing plan. Fees are typically higher for international transfers.

5. Alternative Payment Methods

SaveCash may support additional payment methods including buy-now-pay-later options, local payment methods, and region-specific alternatives.

Terms, fees, and processing times for alternative payment methods vary by provider and will be disclosed when such methods are made available to you.

6. Contact Information

For questions about payment methods, contact us at: