Frequently asked questions
Quick answers about payments, pricing, payouts, security and getting started with Durango Merchant Services.
Still have questions?
Browse the answers below, read our guides on choosing a payment gateway and gateways vs processors, or contact our team.
Questions
What is a payment gateway?
A payment gateway securely transmits payment details from your checkout to the processor and card networks for authorization, then returns the result in real time.
What do I need to open an account?
A registered US business or sole proprietorship, a tax ID, owner details and a business bank account.
How long until I can accept live payments?
You can use the sandbox immediately. Live processing starts once your application is reviewed and approved.
What cards and wallets are supported?
Visa, Mastercard, American Express, Discover, Apple Pay and Google Pay.
How much does Durango Merchant Services cost?
We offer flat-rate, interchange-plus and custom pricing. There's no setup fee and no long-term contract. Contact sales for a quote.
When will I get paid?
Standard payouts typically arrive in about two business days; next-business-day funding may be available.
Can I issue refunds?
Yes, full or partial refunds from the dashboard or API.
How are chargebacks handled?
You're notified immediately and can submit evidence in the dashboard before the deadline.
Is Durango Merchant Services secure?
Yes. Tokenization, encryption, hosted fields and access controls protect payment data. See the security page for details.
Do you support recurring payments?
Yes. Subscriptions, installments, usage-based billing and recurring invoices are supported.
Can I use Durango Merchant Services without a website?
Yes. Payment links, invoices and in-person readers work without a website.
Is there an API?
Yes. A REST API with sandbox, webhooks and idempotency is available to all accounts.
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