FAQs

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What types of businesses does Cathedral serve?

We serve a wide range of industries, including e-commerce, retail, network-marketing, healthcare, professional services, and high-risk verticals. Whether you’re a startup or a scaled enterprise, we tailor solutions to your specific needs.

What makes Cathedral different from other payment processors?

We combine premium customer service with enterprise-level technology—offering custom pricing, transparent terms, and a white-glove onboarding experience. Our clients don’t get stuck in call centers—they get real partners.

How quickly can I start accepting payments?

Most accounts are approved and activated in as little 48 hours. For more complex businesses or high-risk categories, setup may take slightly longer, but we keep you informed every step of the way.

Do you support recurring billing, invoicing, or subscriptions?

Yes. We provide full support for recurring payments, customizable invoicing, and subscription management tools that integrate easily with your CRM or accounting platform.

What are your processing fees?

Our rates range from 2.3% + .10 per transaction for low risk up to 3.8% + .10 per transaction for high risk like CBD. All rates are simple flat rate pricing with no set up fees. We will always beat Square, Stripe, and PayPal.

Are there hidden fees or long-term contracts?

No. We believe in full pricing transparency—no hidden fees, no surprise rate increases, and no lock-in contracts unless you specifically opt for one to get better rates.

Can I migrate from another processor without downtime?

Absolutely. Our onboarding team handles the migration seamlessly to minimize friction and prevent service interruption—so you can keep accepting payments without missing a beat.

Can I accept payments in store and online?

Yes, both! We have cutting edge Point of Sale systems for in store or on-the-go business and cutting edge Virtual Terminals for every online business. Additionally, we offer BNPL, tap-to-pay, invoicing, recurring payments, and crypto solutions!

How long does it take to set up my merchant account?

Setting up the Merchant ID and processing payments takes 2-5 business days. As an ISO we work directly with the bank to offer lightning fast underwriting. Owning a true merchant account couldn’t be faster!

Can I open a merchant account as a “High Risk” business?

Yes! We specialize in high risk like CBD, Supplements, and MLM. By leveraging our large book of high risk businesses and health relationships with acquiring banks we are able to achieve the most competitive rates in the industry!

Do you offer a payment dashboard with fraud protection tools?

Yes! We have an intuitive payments dashboard that lets you access and control powerful fraud protection tools. You can easily view your processing fees, dispute chargebacks, set fraud filters, and build customer profiles all within your dashboard!

Do you offer Surcharging or Cash Discounting to eliminate fees?

Yes! We have both Surcharging and Cash Discounting solutions that can lower or eliminate fees completely. Depending on your specific business structure and location we can work with you to determine the best program for you

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Lightning fast underwriting

Most competitive fees

All payment solutions

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