10 questions every merchant should ask before choosing a payment processor.
Use this checklist to evaluate any processor — and see exactly how Upstate Merchant Advocates and PayBright measure up on every point.
01 Flexible Payment Options for Terminals
Are you locked into long-term rental contracts? Or does the processor provide options to buy or lease-to-own terminals?
PayBright offers free equipment and Point-of-Sale to qualified merchants to ensure you have the best and most affordable options. Need financing? No problem — installment options are available as well.
02 Future-Proof Terminals
Are the terminals designed to accept chip technology? Or will you be forced to upgrade at considerable expense in the future?
PayBright provides terminals fully equipped for chip technology, contactless payments, and future innovations — ensuring you won't face costly upgrades down the line.
03 Meet or Beat Pricing
Is the processor flexible in providing the best available rate for your business? Can you get competitive rates without red tape or strict conditions?
PayBright offers competitive, transparent pricing with the flexibility to meet or beat rates from other providers — no red tape or strict conditions required. We prioritize your bottom line.
04 Quick Access to Cash
Does the processor provide flexible financing to help grow your business? Are there restrictions or interest charges on loans?
Through PayBright, access flexible financing options to fuel your business expansion. Enjoy loans free from fixed payments, timeframes, or interest charges for truly unrestricted growth.
05 Ease of Integration
Does the processor integrate with your existing system or customized setup? Can you easily import and export your existing customer database files?
PayBright seamlessly integrates with your existing systems and custom setups. Easily import and export customer database files without disrupting your operations.
06 Real-Time Reporting
Can you follow your business performance anytime, from anywhere? Can you export business reports in your preferred file formats?
Monitor your business performance in real-time from anywhere with PayBright's intuitive dashboard. Export reports effortlessly in formats like XML, Excel, or PDF to suit your needs.
07 Security and PCI Compliance
Does the processor use sophisticated fraud and security tools? Do they meet all PCI standards to protect your business and clients?
PayBright employs advanced fraud detection and security tools, fully compliant with PCI standards. Protect your business and customers with peace of mind and enhanced reliability.
08 Gateway with Recurring Billing
Can you manage recurring payments to avoid potential errors? Can you process transactions from repeat customers without re-entering their information?
PayBright's gateway simplifies recurring payments and re-billing, minimizing errors. Process repeat customer transactions instantly without re-entering data, with customizable user access for your team.
09 Dedicated Merchant Support
Can the processor help you deal with any issue including chargeback resolution and risk monitoring? Are they available 365 days per year?
Our PayBright partnership includes 365-day dedicated support for chargebacks, risk monitoring, and more. We're always here to resolve issues swiftly and keep your business running smoothly.
10 Guaranteed Rates
Does the processor guarantee absolutely no rate increases in your processing fees? Can you count on predictable costs long-term?
PayBright guarantees no rate increases on your processing fees, providing predictable costs and long-term stability for your budgeting and planning.
Ready to work with a processor that checks every box?
Let's have a real conversation about your business and show you exactly how we can improve your bottom line — no pressure, no commitment.
Get Expert Advice → Call (864) 973-7679