Frequently Asked Questions

Payment processing is the system that moves money from your customer’s bank to your business account when they pay with a credit or debit card. Gruvpay partners with several trusted networks and processors to make that transaction secure, fast, and seamless.

Processing fees are made up of three components:


• ​​Interchange fees (set by the card brands like Visa or Mastercard)
• Network fees (charged by the card networks)
• Processor markup (what your payment provider charges to facilitate the transaction)



At Gruvpay, we believe in transparent, wholesale-based pricing — no hidden surcharges or surprise rate hikes.

Dual pricing allows you to offer one price for card payments and a lower price for cash payments. It helps offset card processing costs while giving customers a choice. Gruvpay provides compliant, automated dual pricing programs that show both prices clearly on receipts and signage.

• ​​Dual pricing shows both a cash and card price upfront.
• Surcharging adds a small fee to cover processing costs only on credit card transactions.


Both are compliant options when done correctly. Our team will guide you on which fits your business and ensure it meets card brand and state regulations.

Most Gruvpay merchants receive deposits the next business day. Same-day and weekend funding options are also available for qualified businesses.

We offer a full range of Clover devices, mobile card readers, countertop terminals, and other integrated POS systems. Whether you’re a restaurant, retailer, or service business, we’ll match the right device and software to your workflow.

No — you can use your existing business bank account for deposits. We simply link your merchant account to your preferred bank for daily settlements.

Gruvpay believes in flexibility. We offer month-to-month agreements with no long-term commitments or hidden termination fees. Our goal is to earn your business every month through service and savings.

Yes. Gruvpay’s solutions include EMV chip protection, point-to-point encryption (P2PE), and tokenization to secure every transaction. You also have access to built-in tools for chargeback alerts and real-time transaction monitoring.

PCI DSS (Payment Card Industry Data Security Standard) is a set of security standards required by all major card brands. Staying compliant protects your business and your customers’ data. Gruvpay provides simple PCI tools and automatic reminders so you stay compliant year-round.

Gruvpay offers multiple ways to reduce fees:

• ​Wholesale-based pricing programs
• Dual pricing or surcharging options
• Integrated tools to track and optimize spend
• No markup on pass-through interchange rates

We’ll analyze your current statements and show exactly where savings can be achieved.

You’ll get live, local support — not a call center. Our team is based in the community where you operate and available for technical help, billing questions, or account updates. We pride ourselves on personal, responsive service.

Yes. Gruvpay connects with hundreds of POS systems, online ordering platforms, and accounting tools. We’ll help integrate payments into your existing workflow without disrupting operations.

Simply click “Get Started” or call 1-855-GRUVPAY. We’ll review your business setup, provide a transparent cost analysis, and recommend the best program and device for your needs.

Gruvpay integrates seamlessly with many restaurant POS and SaaS platforms. We also connect with major online ordering and delivery platforms to streamline kitchen tickets, menu updates, and reporting — all while keeping payment data secure.

Our restaurant solutions fully support tipping by line item, check, or percentage, with flexible options for tip pooling, distribution, and payroll reporting.

Absolutely. With our integrated systems, you can split bills by seat, guest, or item, accept multiple payment types on one check, and even pre-authorize tabs at the bar.

Gruvpay’s integrated POS tools let you accept online, in-person, and delivery payments in one system — no manual re-entry. You can track all orders, sync customer data, and view real-time sales analytics.

Our dual pricing and surcharging programs help restaurants recover processing costs without raising menu prices across the board. We’ll ensure everything is compliant and clearly displayed on menus and receipts.

Yes — we integrate directly with inventory management tools and barcode systems, allowing automatic SKU updates, real-time stock levels, and simplified reporting across all sales channels.

Yes. Gruvpay supports omnichannel payments, meaning your online and in-store transactions all flow into one dashboard.

You can process full or partial refunds directly through your POS or Gruvpay portal. Inventory automatically adjusts, and customers can receive refunds quickly.

Yes — all our retail devices support Apple Pay, Google Pay, and tap-to-pay contactless transactions for faster checkouts.

We provide access to customer insights, loyalty programs, and marketing tools through Clover and partner integrations — helping you drive repeat business and manage promotions easily.

Yes. With Clover Flex or mobile readers, you can accept payments anywhere — in your shop, at a client’s home, or on the job site. All transactions sync instantly with your reports.

Absolutely. Gruvpay offers e-invoicing tools with payment links, QR codes, and customer tracking so clients can pay online instantly.

For service businesses that charge monthly or by subscription, we provide automatic recurring billing to save time and reduce missed payments.

Just like in-store sales, you can expect next-day funding or even same-day deposits (where eligible).

Yes. With Clover and integrated tools, you can assign sales to employees, track commissions, and manage work orders or estimates all within one system.

A business cash advance from Gruvpay Capital provides fast access to working capital by advancing funds based on your future credit and debit card sales. Instead of a traditional loan with fixed payments, repayment happens automatically through a small percentage of your daily card transactions.

Most approvals happen within 24–48 hours, and funding can occur in as little as 2–3 business days. The process is designed to be simple, with minimal documentation and no lengthy underwriting timelines.

No. A Gruvpay Capital cash advance is **not a traditional loan** and does not appear as a trade line on your credit report. Because repayment is tied to your business’s card sales, it’s an ideal option for merchants who want to access funds without impacting their personal credit.

Repayment happens automatically through a small, agreed-upon percentage of your daily card transactions. This means payments flex with your sales volume — when business is slower, you remit less; when business is stronger, you pay down faster.

You can use Gruvpay Capital funds for nearly any business purpose — from equipment upgrades and inventory purchases to renovations, marketing, or bridging seasonal cash flow gaps. There are no restrictions or collateral requirements.

Gruvpay Capital offers **speed, simplicity, and flexibility**. There are no application fees, fixed monthly payments, or credit impact. Plus, our approval process focuses on your business performance, not your credit score.