Disclosures

Assurna provides payment processing as a payment facilitator / registered independent sales organization (ISO) in the United States, sponsored by an acquiring bank that is a member of the card networks. Merchant accounts and transaction processing are provided under that sponsorship and are subject to underwriting and approval.

Assurna facilitates card and ACH payments on behalf of its merchants; it does not take deposits and is not a bank. Settlement of funds is performed through the sponsoring acquiring bank and the card networks.

Payment processing is one component of Assurna’s fully managed ecommerce platform. The disclosures below describe the payment-processing component specifically; Section 2 describes the scope of the broader managed service.

Assurna’s managed ecommerce platform and related professional services, including store platform management, accounting support, updates, fixes, monitoring, and technical support, are engagements defined by a written services agreement entered into with each client. Results depend on the business: its products, market, existing technology, and starting point. Case descriptions, examples, and illustrations on this site describe typical work and are not a guarantee of the same outcome for any particular business.

Assurna is not a law firm, accounting firm, or tax advisor. Accounting-related support we provide is operational, such as bookkeeping coordination and reporting, and is not professional tax, audit, or accounting advice. Clients should consult a licensed professional for tax, audit, and legal matters.

Payment acceptance is governed by the operating rules of the card networks, including Visa, Mastercard, American Express, and Discover. Both Assurna and its merchants are required to comply with these rules. Approval, pricing categories, and certain merchant obligations are determined in part by network rules.

Visa, Mastercard, American Express, Discover, Apple Pay, Google Pay, and other names and logos referenced on this site are the property of their respective owners and are used for identification only. Their appearance does not imply endorsement of Assurna.

Assurna maintains compliance with the Payment Card Industry Data Security Standard (PCI DSS) at Level 1, the highest validation level. We use point-to-point encryption (P2PE), tokenization, and a secure vault so that raw cardholder data does not need to touch a merchant’s systems.

Merchants remain responsible for maintaining PCI DSS compliance applicable to how they accept payments, including completing any required self-assessment and using Assurna’s tools in accordance with their documentation.

Consistent with the Bank Secrecy Act and card-network requirements, Assurna and its sponsor bank operate a risk-based program to verify the identity of merchants and their beneficial owners and control persons (know-your-customer / know-your-business), screen against U.S. sanctions lists administered by the Office of Foreign Assets Control (OFAC), and monitor for suspicious or prohibited activity. We may request additional documentation during onboarding and over the life of an account.

We do not board businesses in categories prohibited by our sponsor bank or the card networks, including illegal goods or services, sanctioned parties, and certain high-risk categories. Some categories may be supported only with additional underwriting, reserves, or conditions. Eligibility is determined during underwriting.

We follow commercially reasonable administrative, technical, and physical safeguards to protect business and cardholder information, including encryption in transit (TLS) and at rest, tokenization, role-based access controls, multi-factor authentication, vendor due diligence, and incident-response procedures.

We will notify affected parties, our sponsor bank, the card networks, and applicable regulators of any security incident as required by law and network rules. No security program eliminates all risk; we maintain ongoing review of our posture.

Pricing examples and savings statements about payment processing on this site describe our standard no-markup, pass-through offering and depend on a business’s actual volume, mix, and average ticket. They are illustrative and are not binding until set out in a merchant’s Merchant Processing Agreement, which contains the complete and controlling fee schedule.

Statements about the managed ecommerce platform, including claims about conversion improvement, cost savings, and support response times, describe our standard offering and are accurate descriptions of how we typically operate. They are not binding commitments for any specific business until set out in that client’s services agreement. We present claims about rates, fees, settlement timing, and features accurately and do not present estimates as guarantees.

We take complaints seriously. If you have a concern, please follow this procedure:

1. Contact Assurna directly. Email compliance@assurna.com or call 877-ASSURNA (877-277-8762) with the account or transaction in question. We will acknowledge within two business days and respond substantively within ten business days.
2. For cardholder disputes and chargebacks, the card networks’ dispute rules apply, and your Merchant Processing Agreement describes the process and your responsibilities.
3. For concerns about the managed ecommerce platform, your services agreement describes the process and your responsibilities.
4. If your concern is not resolved by Assurna, you may also contact the relevant consumer-protection authority for financial services in your state.

Compliance questions: compliance@assurna.com. Privacy questions: privacy@assurna.com. General contact: hello@assurna.com. Mail: Assurna, 9442 Capital of Texas Highway North, Suite 500, Austin, TX 78759.