Terms of service.

Last updated: August 20, 2026. If we make a material change we will say so here and, where we hold your email address, tell you directly.

1. What these terms cover

These terms apply to your use of phase3payments.com. They do not replace your merchant processing agreement, a partner agreement, or a Phase 3 Digital order form. Where those documents differ from this page, those documents control.

2. Information on this site is not a quote

Rates, savings figures, and estimates shown anywhere on this site, including in the savings estimator. Are illustrative, built on industry-typical assumptions, and are not offers or guarantees. Actual pricing depends on underwriting, your business, your card mix, and your volume, and is set out in a written agreement.

3. The savings estimator

The estimator is an educational tool. It uses typical cost-of-acceptance and card-mix assumptions, clearly labelled as estimates. It does not read your statement, and its output is not a promise of savings. Recovery under any pricing program is capped at your actual processing cost and depends on factors the tool cannot see.

4. Pricing programs and legal compliance

Surcharging, dual pricing, and cash discounting are subject to card-network rules and to state and territory law, both of which change. Nothing on this site is legal advice. Before any program goes live, Phase 3 confirms what is available for your business and your jurisdiction, and you remain responsible for operating it in accordance with the disclosures and requirements we set out with you.

5. Phase 3 Digital

Phase 3 Digital services are provided on a monthly basis under a separate order form. Advertised pricing that is conditional on processing with Phase 3 is stated as such on this site. Ad spend on the Growth plan is billed to you directly by the advertising platform and is not marked up by Phase 3. On cancellation, hosting and the managed framework end. You retain ownership of your domain name, your logo, and any original photography you supplied or paid for. Any transfer of the built site is governed by the order form.

6. Acceptable use

Do not attempt to gain unauthorised access to the site or its systems, interfere with its operation, scrape it in a way that degrades service for others, or submit false information through its forms.

7. Intellectual property

The content, design, code, and marks on this site belong to Phase 3 Payments or its licensors, except where third-party marks are referenced. Third-party product names, including Clover, are the property of their respective owners and are used descriptively. Reference to a third-party product does not imply that they endorse Phase 3.

8. Third-party links

Links to other sites are provided for convenience. We are not responsible for their content or their practices.

9. No warranty

The site is provided "as is." We do not warrant that it will be uninterrupted or error-free, or that the information on it is complete or current.

10. Limitation of liability

To the maximum extent permitted by law, Phase 3 Payments is not liable for indirect, incidental, special, or consequential damages arising from your use of this website. Nothing in these terms limits liability that cannot be limited by law.

11. Governing law

These terms are governed by the laws of the State of South Dakota, without regard to conflict-of-law principles.

12. Changes

We may update these terms. The date above tells you when they last changed.

Contact

Questions about this document go to info@phase3payments.com or Phase 3 Payments, 2304 S Westlake Dr, Sioux Falls, SD 57106. Or call (855) 374 2733 and ask.