ORCA helps merchants pursue payment processing through selected relationships. It is not a direct processor.
ORCA POLICY
ORCA MERCHANTSTerms & Conditions
Straightforward terms explaining ORCA's role, merchant responsibilities, and how processing relationships make their decisions.
EFFECTIVE DATE / JULY 18, 2026
THE SHORT VERSION
Clear expectations from the start.
Approval, pricing, reserves, limits, and terms come from independent underwriting.
Merchants are responsible for submitting complete and truthful business information.
Effective July 18, 2026.
What ORCA does
ORCA Merchants helps high-risk merchants understand payment processing options and pursue solutions through processing relationships that may support their business. ORCA is not a bank, card network, acquiring bank, or direct payment processor.
Information on this website is provided for general business and educational purposes. Using the site or speaking with ORCA does not create a merchant account, guarantee a processing relationship, or make ORCA a party to any agreement between a merchant and a processing provider.
Using this website
You may use this website only for lawful purposes. You agree not to interfere with the operation or security of the site, attempt to gain unauthorized access, submit false or misleading information, or use the site in a way that could harm ORCA, another user, or a third party.
If you submit information on behalf of a business, you confirm that you are authorized to provide that information and communicate about the business.
Merchant information and authorization
You are responsible for ensuring that information and documents submitted to ORCA are accurate, complete, current, and lawfully provided. This includes information about ownership, products, sales channels, processing history, licenses, websites, policies, and business operations.
By asking ORCA to explore processing options, you authorize ORCA to review the information you provide and share relevant information with selected processing relationships, underwriters, banks, processors, and supporting service providers as reasonably necessary to evaluate or support your request. Our handling of information is also governed by the Privacy Policy.
Underwriting and partner decisions
All approvals, declines, pricing, reserves, funding schedules, transaction limits, equipment requirements, contract terms, and account conditions are determined independently by the provider reviewing the business. Program availability and underwriting requirements can change.
ORCA does not guarantee approval, a particular rate, uninterrupted processing, or any specific outcome. If you accept a provider's offer, that provider's application, merchant agreement, privacy terms, and operating rules govern the processing relationship.
Compensation and third-party services
ORCA may receive compensation from a processing relationship when a merchant is approved, activates an account, or processes transactions. Merchants are not charged a separate ORCA fee unless a different arrangement is clearly agreed in writing.
This website may link to or rely on services operated by third parties. ORCA does not control their websites, systems, underwriting decisions, availability, or business practices.
Website information, responsibility, and updates
ORCA aims to provide useful and current information, but payment programs, industry requirements, and partner criteria can change without notice. To the extent permitted by law, ORCA is not responsible for losses caused by reliance on general website information, third-party decisions, service interruptions, or circumstances outside ORCA's reasonable control.
ORCA owns or licenses the branding, copy, design, and other content on this site. You may not republish or commercially reuse it without permission. We may update these Terms by posting a revised version and effective date. Questions may be submitted through the contact channels on this website.