PayVus 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
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.
Frequently asked questions
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.
The PayVus card is exclusively tied to the merchant's FICO score.
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.
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.
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.
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.
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.
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.
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.
Yes, you can do a balance transfer.
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.
Ready to Get Started?
Speak with a business specialist.