Frequently Asked Questions

Explore answers to common questions about Cardtide’s processing, dual pricing program, and capital services.

Cardtide faq

General FAQ

How long does the approval process take?

Once your application is submitted, we typically process it within 24 hours — often faster if received before noon EST. Equipment or software is shipped promptly after approval.

When will I receive my deposits?

Visa, MasterCard, and Discover transactions are generally deposited the next business day, depending on your business type.

Do I need a business license to apply?

Not always. If you’re unable to provide a license, we may accept other documentation depending on your business type and risk category.

Is a business checking account required?

If your business is a corporation, yes. Sole proprietors may use a personal or business checking account.

Do I need to set up special card accounts (e.g. American Express)?

No. We’ll take care of those integrations for you during setup.

Dual Pricing FAQ

What is dual pricing?

It’s a compliant way to offer customers a discount for paying in cash. Card pricing includes a processing adjustment, while cash payments receive a discount.

Is dual pricing legal?

Yes — it's legal in all 50 states when properly disclosed. We provide compliant signage to keep your business covered.

How does it affect customers?

Customers are informed clearly at the point of sale. Many prefer cash to receive the discount, and most are already familiar with this pricing model.

Can dual pricing work with my existing POS?

In most cases, yes. Our systems are flexible and integrate with a wide range of POS setups. We’ll handle configuration.

Business Financing FAQ

Do I qualify for funding?

If your business is at least 4 months old and deposits $5,000 or more per month, you're likely eligible.

Will applying hurt my credit?

No — our application process uses a soft credit inquiry.

How much capital can I receive?

Funding amounts range from $20,000 to $500,000 based on your business revenue and statements.

How quickly can I access funds?

Many businesses receive same-day approval and funding within 24–48 business hours.

What are the financing options?

We offer flexible capital solutions including merchant cash advances, revenue-based advances, and term loans.

Still need help? Reach out to us anytime at (800) 530-2174 or support@cardtide.com.