Electronic Payments Integrations FAQs

Am I a good fit for a Payfac-in-a-Box™ implementation?

If you write software designed largely for 1 or 2 industries and you have 250 up to 50,000 users who collect payments – yes, you are!

Can I configure the payment types/tender types I need?


Can I configure my workflow to meet my requirements?

An SOW (scope of work) document will be created to map out your workflow requirements, but yes we can customize the APIs to fit your needs.

Do you support the newest coding languages?

Yes – see our APIs and code documentation.

Do you support a mobile application?

Yes – see our mobile SDKs.

Do you support EBPP?

Yes! Learn more about Singular BillPAY now.

Do you support recurring payments?

Yes, recurring payments can be setup through our Singular BillPAY API.

Scheduling of payments?

Yes, pre-scheduling payments can be setup through our Singular BillPAY API.


Yes, tokenization is used through the iFrame that the API uses to
communicate card data to the platform to be processed. Here is the link to Tokenization of Card Data in the API code.

What payment processing rate can my users expect?

Singular Payments® offers a custom flat rate for your merchants that encompasses all the fees involved in processing any card type (swiped or keyed) through your software integration. We will look at several of your merchant’s statements to first determine the best flat rate that will then be applied to all of your merchants if a batch on-boarding workflow is done. If the integration is setup so we on-board merchants one-by-one, which occurs in some cases, we will do a custom savings analysis for each merchant individually to determine their best flat rate. We do not tier out or charge up in any way. Once the flat rate is determined your merchant’s statements will be reliably simple and straight forward. Learn more about Singular Payments® pricing here.

How long is the merchant’s flat rate good for?

The merchant’s custom flat rate is intended to be good for the life of the account with us. However, while it’s always our goal to keep pricing increases at an absolute minimum, from time-to-time Visa, MasterCard, Discover and American Express make modifications to interchange rates which are significant enough to warrant passing them on to the merchant in the form of a very modest increase. In the history of Singular Payments, we’ve only had to do one increase. If an increase needs to occur, the merchants will be notified in writing beforehand.

How do you calculate the flat rate?

Flat rates are determined by the manner and method that your merchants accept cards for payment within their business. The flat rate pricing for your integration will be covered and determined in our requirements and scope of work discussions and will be based on our experience and factors including the card types your merchants accept, the volume and average ticket they process, and other factors that may be specific to your business, industry or customer base. When batch on-boarding merchants under one flat rate we will consider the average of how all the merchants within the book of business are operating to assign the rate that applies to everyone. We are extremely transparent with our credit card processing fees and flat rate structure.

Do the merchants have to sign a contract with Singular Payments®?

A contract is required according to Visa & Mastercard guidelines. This will be a simple click-to-accept automated process for the merchants to get set up.

What is the cancellation policy for merchants?

A deconversion fee will be assessed to accounts that cancel prior to the end of their 3-year term of service with Singular Payments®. To avoid a one-time charge the merchant must provide 30-day notice prior to the expiration date of their service term via our online exit survey. *Please note this fee can be waived if the merchant sells the business and the new owner is approved for service with Singular Payments®. After the survey is submitted an Account Consultant will contact the merchant to finalize cancellation details.

Are merchants covered by PCI compliance?

Yes, the merchants are covered in a PCI compliant processing environment via the plugin or the iFrame payment page that the cards are processed through.