The terms, written to be read.

By using 1st Bankcard Services and its tools, you agree to these terms. If you do not agree, please do not use the site.

This is a marketing website with free tools, including a statement analyzer. It helps you understand processing costs and decide whether to work with us. Payment processing itself is provided under a separate merchant agreement, not this page.

Any figure produced by the analyzer or the savings calculator is an estimate based on the information available, shown to help you decide. It is not a quote, an offer, or a guarantee of savings. Your actual rate is the one we put in writing, and your actual costs depend on your real volume and card mix.

Use the site lawfully. Do not attempt to disrupt it, access it in unauthorized ways, scrape it at scale, or upload anything you do not have the right to share. Upload statements that are yours or that you are authorized to submit.

The content, design, and tools on this site are ours or our licensors and are protected by law. You may use the site for its intended purpose, but not copy or repurpose it without permission.

We sometimes link to other sites and tools we do not control. We are not responsible for their content or practices, and a link is not an endorsement of everything they do.

Guidance on this site, including anything about surcharging, compliance, or taxes, is general information, not legal, tax, or financial advice. Confirm the specifics for your business before you act on it.

The site and its tools are provided as is, without warranties of any kind. To the fullest extent the law allows, we are not liable for indirect or consequential damages arising from your use of the site. Nothing here limits rights that cannot be limited by law.

We may update these terms as the site evolves, and we will revise the date above when we do. Continued use after a change means you accept the updated terms.

Questions about these terms? Reach us at the contact page.