For Merchant Cash Advance (MCA)
Table of Contents
Built For MCA
Mcardit is a privacy protection, fraud prevention and same day ACH platform that verifies each business’ identity and incorporates a B2B NACHA compliant transaction authorization process that makes it virtually impossible for your merchants to dispute.
This significantly reduces friendly fraud, disputes and claims of unauthorized transactions.
Simple Transparent Pricing
Mcardit charges 1.45% = $0.20 per transaction, capped at $15 for transactions ranging from $1,020 up to $250,000. Here’s a sample of what you’ll pay for various transactions:
$100 ($1.65)
$250 ($3.83)
$500 ($7.45)
$1,000 ($14.70)
$1,500 ($15)
$2,500 ($15)
$5,000 ($15)
Straightforward pricing. For a low fixed fee of just $15, you can process transactions ranging from $1,020 all the way up to $250,000—without worrying about escalating costs based on the transaction size. This flat-rate pricing model not only simplifies your financial management but also makes forecasting more predictable and stress-free. (The 1.45% + $0.20 fee applies to transactions less then $1,020).
48 Hour Dispute Window
Mcardit’s B2B invoice payment module offers NACHA compliant authorization for fund movement between two business bank accounts. Compliance limits the transaction return window to 48 hours.
Compliance to NACHA’s B2B transaction requirements establishes a 48 hour dispute window that limits the third party payment processor’s transactional liability. As a result, Mcardit Third Party Payment Processors are able to settle to our merchant partner accounts within the standard ACH settlement timeline, often the third day.
Mcardit 3rd Party ACH processors may offer expedited settlement based upon the merchant’s return history and processing profile, something we call “Dynamic Settlement”.