Payvus Cardholder

Frequently Asked Questions

About Payvus

How does Payvus help build my spending power?

Every day, a percentage of your daily credit card sales settlements are applied to any purchases made with your Payvus card. If you spend beyond the funds accumulated, you’ll automatically access your card’s credit line. If you spend less, your sales settlement funds save over as a credit on your account for future spending.

How does Payvus help me avoid big end of month bills and interest fees?

If you spend less than the sales settlements accrued to your card during a billing period, you’ll never have to make a payment or pay interest. If you do access your credit line, you won’t be assessed interest if the outstanding balance is repaid through daily settlements before the end of the billing cycle.

Getting Started

Do I have to change my credit card processor?

Payvus works with your existing processor – you continue to accept card payments from customers, as usual.

How much credit will I qualify for?

Your credit limit will be determined during the application process and ranges up to $10,000. This credit is unsecured and requires no personal guarantee.

How long will it take to receive my card?

You’ll receive your Payvus Visa Business card within 5 – 7 business days of the approval notification email.

When can I start using my card?

As soon as your first daily sales settlement is automatically transferred to your Payvus account, you may begin using your Payvus card.

Managing Your Account

Can I make payments in addition to my automatic daily settlements?

You can make payments to your Payvus account through the Payvus portal at any time or by calling the number on the back of your card.

Can I change the percentage being settled to my Payvus account?

You choose the sales-funded percent that’s right for your business. If at any time you wish to change the percentage, log in to your account and adjust the settings on the home page.

How can I check my balance?

Real-time balances are always available in the Payvus portal.

How can I increase my credit line?

After 90 days, you’re welcome to contact your merchant services provider to begin the review process.

Can I transfer funds from my Payvus account to my business checking account?

To transfer funds from Payvus to your checking account, log in to the Pavyus portal and select Transfer Funds.

What is the APR for unpaid credit purchases made with the card?

The Payvus Visa Business card APR is 15.49% + prime.

payment processor

Talk to your payment processor

Ask about expanding your spending power with Payvus.