Last updated: May 2026
These Terms of Service govern your use of gtmpayments.com and any services provided by GTM Payments. By using this website or submitting an inquiry, you agree to these terms.
GTM Payments is an independent sales organization (ISO) that introduces merchants to payment processing services provided by our acquiring bank partners. We are not a bank and do not directly process payments. Payment processing services are provided by Electronic Merchant Systems and our sponsor banks, including Esquire Bank and Merrick Bank.
Through this website, we provide:
Rate quotes provided by GTM Payments are estimates based on the information you supply. A quote is not a guarantee of approval or final pricing. Final rates are subject to underwriting review by our acquiring bank partners and may differ from quoted rates based on your actual processing history, business type, chargeback history, and other risk factors.
We make every effort to quote accurate all-in rates. If circumstances require a rate adjustment after underwriting, we will notify you before you sign any merchant agreement.
When you submit a merchant application through GTM Payments:
GTM Payments is not liable for any losses resulting from a declined application or delayed approval.
If you submit a processing statement for rate comparison, you represent that you are authorized to share that document. We use it solely for the purpose of preparing your rate quote and treat it as confidential business information.
Payment processing for high-risk merchant categories is subject to card network rules, bank policies, and applicable law, all of which may change. GTM Payments does not guarantee uninterrupted processing services. In the event your merchant account is terminated by an acquiring bank, we will make reasonable efforts to assist you in finding an alternative processing solution.
Any fees applicable to your merchant account will be disclosed in your merchant agreement prior to signing. You are responsible for reviewing your merchant agreement carefully before execution. GTM Payments earns compensation as a revenue share from our processing partners — this does not result in additional fees to you beyond what is disclosed in your merchant agreement.
You may not use this website or our services to:
Misrepresentation in a merchant application may result in immediate termination of your account and potential liability for damages.
GTM Payments' liability to you for any claim arising from our services is limited to the fees you have directly paid to GTM Payments. We are not liable for indirect, incidental, or consequential damages including lost revenue, lost profits, or business interruption.
We are not liable for the actions or decisions of our acquiring bank partners, card networks, or third-party service providers.
The GTM Payments name, logo, website design, and content are the property of GTM Payments. You may not reproduce or use them without written permission.
These Terms are governed by the laws of the State of Delaware. Any disputes arising from these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.
We may update these Terms from time to time. The date at the top of this page reflects the most recent revision. Continued use of the site or our services after changes constitutes acceptance of the updated Terms.
Questions about these Terms? Contact us at hello@gtmpayments.com
GTM Payments operates as an independent sales organization (ISO). We are not a bank. Payment processing services are provided through our acquiring bank partners.