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Easy and Convenient

It’s easy to get started with Payment Express. Simply register by clicking the Register link and completing the information fields on screen. Your dealer or finance company will provide you with registration information. Payment Express will send you an email containing your username and temporary password.

Once registered, simply log in to Payment Express.

If you have questions, click the Help button in Payment Express, or contact your dealer or finance company.

Around the clock, seven days a week, Payment Express is ready when you are. With Payment Express, you can:

  • Make a one-time payment or set up automatic payments. Payment Express sends you an email confirmation for each payment.
    • Print a receipt.
    • View your account history, including the date paid, the amount paid and the payment method.
    • Get a payoff quote.
    • Get your Pastime or ON TIME® code.
    • Make payments separately against all balances (side note, primary, pickup payment).

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Refund Policy

 MERCHANT’S policy for the exchange or return of goods sold and the adjustment for services rendered shall be (i) established and posted in accordance with operating regulations of the applicable Card Associations’, or American Express’ Rules and Regulations, and/or Discover Network Operating Regulations; (ii) such refund policy shall not treat any payment card more favorably than any other payment card; and (iii). MERCHANT agrees to disclose, if applicable, to a cardholder before a card sale is made, that if merchandise is returned: (a) No refund, or less than full refund, will be given; (b) Returned merchandise will only be exchanged for similar merchandise of comparable value; (c) Only a credit toward purchases will be given; or (d) Special conditions or circumstances apply to the sale (e.g. late delivery, delivery charges, or other noncredit terms).  If MERCHANT does not make these disclosures, a full refund in the form of a credit to the cardholder’s card account must be given. MERCHANT shall under no circumstances issue cash for returns of products where products were originally purchased in a card transaction. Disclosures must be made on all copies of sales drafts or invoices in letters approximately 1/4 inch high in close proximity to the space provided for the cardholder’s signature or on an invoice issued at the time of the sale or on an invoice being presented for the cardholder’s signature. BANK will not reimburse the MERCHANT for interchange, dues, fees and assessments on returns and refunds. BANK will bill MERCHANT on gross processing volume

Cancellation / Return / Exchange Policy

MERCHANTCARDSSERVICES.COM IS A DOMAIN OWNED BY NEW MERCHANTS CAPITAL, WHICH IS A TRADE NAME FOR ELITE INVEST CORPORATION, INC., WHICH IS AN AUTHORIZED RESELLER FOR MERCHANT SERVICE PROVIDERS. MERCHANT CARDS SERVICES AND ELITE INVEST CORPORATION, INC. ARE NOT PARTNERS, SUBSIDIARIES, OR AFFILIATES OF PAYJUNCTION, WHICH IS A MERCHANT SERVICES PROVIDER. BY USING THE WEBSITE AND THE RESELLER SERVICES OF MERCHANT CARDS SERVICES, YOU EXPRESSLY ACKNOWLEDGE AND AGREE TO RELEASE AND HOLD HARMLESS MERCHANT CARDS SERVICES AND ELITE INVEST CORPORATION, INC. OF ANY CLAIM OF LIABILITY WHATSOEVER ARISING OUT OF OR IN CONNECTION WITH YOUR APPLICATION FOR AND USE OF MERCHANT SERVICES BY PAYJUNCTION.

ELITE INVEST CORPORATION, INC. (DOING BUSINESS AS MERCHANT CARDS SERVICES), WITH DOMAIN NAME MERCHANTCARDSSERVICES.COM, MAKES NO CLAIM AS TO PROPRIETARY INTEREST IN ANY OF THE INSIGNIAS, TRADE NAMES, TRADE LABELS, OR ICONS POSTED, PRINTED, ETC. ON THIS WEBSITE, EXCEPT AS TO THE NAME “ELITE INVEST CORPORATION, INC.” AND “MERCHANT CARDS SERVICES” AND ALL STYLIZED WRITING DISPLAYED THEREWIDTH, AND THE MERCHANT CARDS SERVICES LOGO.

BY USING THIS SITE YOU UNDERSTAND AND AGREE THAT THE MONEY COUNTER ON THE HOME PAGE OF MERCHANTCARDSSERVICES.COM IS NOT AN EXACT CALCUALTION OF THE MONEY SAVED BY PAYJUNCTION CLIENTS, BUT RATHER YOU UNDERSTAND AND AGREE THAT THE VALUE OF THE MONEY COUNTER IS A ROUGH ESTIMATE OF SUCH FEES SAVED BY ALL PAYJUNCTION CLIENTS.

YOU ACKNOWLEDGE THAT ALL FEES AND SERVICES ARE PROVIDED BY PAYJUNCTION AND THAT MERCHANT CARDS SERVICES IS NOT PARTY TO ANY AGREEMENT MADE BETWEEN YOU AND PAYJUNCTION. YOU ALSO ACKNOWLEDGE THAT MERCHANT CARDS SERVICES, IN OWNERSHIP AND OPERATION OF THE DOMAIN MERCHANTCARDSSERVICES.COM, WILL RECEIVE COMPENSATION FOR ANY NEW APPROVED MERCHANT APPLICATIONS THAT YOU APPLY FOR THROUGH THE DIRECTION OR INTERACTION WITH THIS SITE DIRECTLY OR THROUGH THE DIRECTION OR INTERACTION WITH MERCHANT CARDS SERVICES AND PAYJUNCTION THROUGHOUT THE SALES PROCESS.


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