Payment Terms & Conditions

1. Scope of These Payment Terms

These Payment Terms & Conditions apply to any payment, fee, membership, or billing arrangement associated with products and services offered or referred by Talon Business Solutions LLC (“Talon”). They supplement our Terms of Service and Privacy Policy. Where a third-party provider issues its own merchant agreement, loan agreement, or membership terms, that agreement governs the amounts you are charged by that provider.

2. Merchant Processing & POS Fees

Payment processing, point of sale hardware, gateway, and related services are provided under a merchant agreement between you and the sponsoring processor, acquirer, or bank. Rates, interchange pass-through, monthly service fees, PCI fees, equipment costs, and any early termination provisions are set out in that agreement and in your monthly merchant statement.

Quoted savings, effective rates, and program pricing shown on this website or in a proposal are estimates based on the statement data you provide. Final pricing is subject to underwriting approval, card brand rules, and interchange changes published by Visa, Mastercard, American Express, and Discover.

• Processing fees are typically debited daily or monthly from your settlement account per your merchant agreement.
• Chargebacks, retrieval fees, and card brand assessments are passed through as incurred.
• Equipment purchased outright is billed at the time of order; leased or financed equipment is billed per that schedule.
• Surcharge, cash discount, and dual pricing programs must be operated in compliance with card brand and state rules.

3. Business Funding & Commercial Lending

Talon does not lend money. Funding, working capital, term loans, revolving lines of credit, and equipment finance are originated and funded by independent lenders and funding partners, including Rok Financial and ARF Financial. All amounts, factor rates, interest, origination fees, payment frequency, and prepayment terms are established solely by the funding partner in your signed agreement.

Talon may receive a referral or commission from a funding partner. This does not add a separate fee payable by you to Talon unless disclosed and agreed in writing in advance.

• Applying does not guarantee approval; approval, amount, and pricing are determined by the lender's underwriting.
• Payments are collected by the lender via ACH or the method stated in your funding agreement.
• Missed or returned payments may incur fees charged by the lender or your bank.

4. Credit Monitoring & Identity Protection Memberships

Credit monitoring and identity protection memberships referenced by Talon are enrolled, billed, serviced, and canceled by the third-party provider through its own enrollment portal. Talon does not store or process membership card data and does not provide credit repair services.

• Standard membership: $29.90 per month, no trial period. Billing begins at enrollment and recurs monthly.
• Trial membership: $39.90 per month following a 7-day trial. If not canceled during the trial, the monthly fee begins automatically.
• Memberships renew automatically each month until canceled through the provider.
• Cancellation must be completed with the provider; cancel before the next billing date to avoid the following month's charge.
• Fees already billed for a completed monthly term are generally non-refundable unless the provider's terms state otherwise.

5. Authorization for Recurring Charges

When you enroll in a recurring product, you authorize the applicable provider to charge your designated card or bank account on a recurring basis at the stated amount and interval until you cancel. You agree to keep your billing information accurate and current. Failed payments may result in retry attempts, suspension, or termination of service.

6. Taxes

Prices shown do not include sales, use, excise, or similar taxes unless expressly stated. You are responsible for all applicable taxes other than taxes on Talon's net income.

7. Refunds, Disputes & Chargebacks

Refund eligibility is determined by the provider that billed you. If you believe a charge is incorrect, contact us or the provider promptly so it can be reviewed. Initiating a chargeback before contacting the provider may delay resolution and can result in suspension of the related service.

8. Cancellation

Merchant processing accounts are canceled under the terms of your merchant agreement, which may require written notice and return of leased equipment. Funding agreements remain payable in full according to their terms. Memberships are canceled directly with the third-party provider and take effect at the end of the current billing period unless the provider states otherwise.

9. Price Changes

Providers may change pricing due to interchange adjustments, card brand assessments, regulatory changes, or program updates, with notice as required by your agreement and applicable law. Continued use of the service after the effective date of a change constitutes acceptance of the revised pricing.

10. No Guarantee of Savings or Results

Any savings estimate, funding amount, score improvement, or business outcome referenced on this website is illustrative only and is not a guarantee. Actual results depend on your volumes, ticket sizes, card mix, credit profile, and provider decisions.

11. Questions About Billing

For questions about these Payment Terms & Conditions or a specific charge, contact Talon Business Solutions LLC at Info@asktalon.com or (888) 502-7727. For membership billing, contact the enrolling provider directly through its support channel.