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PayVus Business Credit Card

Man holding a business credit card

If You Own a Business, You Need a
Small Business Credit Card

Small business credit cards aren’t just reserved for large
businesses with multiple employees and traditional storefronts.

Small businesses need access to credit, to fund purchases, manage spending and
help save money. PayVus is a powerful bundled business solution combining credit
card acceptance and a business credit card into one single product. 

Our Business Credit Card through PayVus,
offers qualified merchants up to a $10,000
line of credit

Purchase Supplies

Buy Inventory

Manage everyday
business expenses

Ready to Get Started?

Speak with a business specialist.

Request a Free Quote

Addressing Core Business Needs

Lower Costs

Reduce acceptance cost. Acceptance cost is the top reason for not accepting cards. With VMS, the cost of accepting credit cards is minimal and the benefits of accepting credit cards is great.

Obtain Financing

Provide a line of credit. Many business applicants are not approved for credit cards or lines of credit. With a PayVus card from VMS most business owners are approved in a matter of minutes regardless of their credit history.

Increase Sales

The PayVus business credit card is attached to a merchant account with VMS. Enabling card acceptance at your business. Working in only cash limits sales and stifles growth.

Manage Cash Flow

Extends time to make payments. 60% of small businesses struggle with cash flow, 80% fail due to cash flow problems.

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Frequently asked questions

What are the benefits of a PayVus business credit card?

With a business credit card through PayVus, payments are made directly from your transactions. The card splits your deposit between your bank account and your PayVus card making it easy to manage your finances and creating credit for your business. PayVus has a 99% approval rate, only 7% of PayVus merchants revolve (pay interest) and batches to the card count as payments to increase your FICO score.

Is the credit card tied to my personal credit?

The PayVus card is exclusively tied to the merchant's FICO score.

How long does it take to get accepted?

Getting accepted for a VMS business credit card is quick and you will usually know if you are accepted the same day. The charge card issuer is PayVus and the card is a Visa business card.

What if my credit score is low?

As long as you have credit, you can be accepted for a VMS small business credit card, from PayVus, even if your credit score is very low. Even if your credit history is challenged, you can still qualify. The Payvus small business card helps earn credit for your business as it positively reports to the credit bureau. PayVus has a 99% approval rate. 

How much can I get accepted for?

The credit limit depends on how much you process every month. With a VMS small business credit card from PayVus you can get up to a 10,000 credit limit. A higher spending limit requires additional documentation and approval. The credit limit for your business can also be increased over time. Reviews can be done after 90 days to increase limits. 

What is the APR?

There usually is no interest fee accrued on your Payvus card because it works with your processing and there is a constant influx of charges and payments during your billing cycle. This is one of the perks of a small business card with PayVus. Depending on FICO, the APR is about 14.5% +prime.

What do you mean you split my deposit from my credit card receivables?

Your account can be viewed with an online banking account with PayVus. Each day when you batch your merchant account, a % is  deposited to your PayVus charge card and the remainder is deposited to your bank account. If you choose to deposit a higher amount of what you earn to your PayVus card you can. Your business credit card options can increase to whatever you are comfortable with. 

Is there an annual fee?

There is not an annual fee for the calendar year associated with your PayVus card, however the following fee(s) apply: These fees are from PayVus, the issuer of the card.

Can I get an additional employee card?

As the business owner you will get a PayVus credit card issued in your name. You are able to have an additional cardholder(s) if you would like to get an employee card. The PayVus card acts as a corporate credit card to pay for business expenses.

Can I do a balance transfer from another credit card to my PayVus card?

Yes, you can do a balance transfer. 

Can I do a cash advance with my VMS small business card through PayVus?

Yes, you will receive a PIN number mailed separately from your card. You can also transfer funds from your PayVus card to your bank account if you would like to access a statement credit. Talk to a small business specialist at VMS to learn all the perks a business credit card through PayVus provides. 

See all FAQs

Ready to Get Started?

Speak with a business specialist.

  • By providing your information above, you consent to our Contact Policy

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Business Solutions

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  • Restaurants
  • Full Service Restaurants
  • Quick Serve Restaurants
  • Salons & Spas
  • Retail
  • Health & Wellness
  • Professional Services

More Tools

  • Capital
  • Cash discounts
  • Payroll
  • Marketing
  • Loyalty
  • Inventory
  • Team Management
  • Gift cards

Resources

  • FAQs
  • EBT Update
  • Client Support
  • YouTube Videos

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  • About Us
  • Affiliate Program
  • Join Our Team

Velocity Merchant Services

3051 Oak Grove Rd. 2nd Floor
Downers Grove, IL 60515
Phone: 888-902-6227
Fax: 888-902-6229
info@getvms.com

Velocity Merchant Services (VMS) is a registered ISO of Deutsche Bank Trust Company Americas. The Clover® trademark and logo are owned by Clover® Network, Inc., a First Data company. EMV® is a registered trademark in the U.S. and in other countries, owned by EMVCo, LLC. Apple Pay®, Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. All other trademarks, service marks and trade names referenced in this material are the property of their respective owners.

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Clover Station 2.0 Point-of-Sale

This all-in-one POS solution includes everything you need to streamline your business. 

More counter room thanks to a space-saving design: The 14-inch, HD display and screen swivel feature keep customer engagement clean and simple.

Faster apps and business: Let the 8-core, state-of-the-art Qualcomm® Snapdragon™ processor and 4GB memory handle the toughest tasks.

Modern payment technology: Accept mag stripe cards, EMV chips, contactless payments and more.

A versatile app market: Use Clover’s robust apps to give your business endless possibilities.