Guide
Receipts and signatures are about records and trust. Rules differ by card network and state. This is general information, not legal or tax advice.
✓ Installed by our team and supported by phone. Rates and equipment are quoted to your business.
Merchant Fund Express explains payments in plain English so owners can make better decisions about equipment and processing.
Receipts and signatures are about records and trust. Rules differ by card network and state. This is general information, not legal or tax advice.
A receipt shows what was bought and what was charged. A signature or PIN shows the cardholder agreed. Many small transactions no longer require a signature, but larger ones or certain card types may.
Offer a receipt, keep records for a reasonable time and follow your card network and state guidance.
Business name, date, amount and last digits of the card.
Required in some cases; many small sales do not need one.
Keep records for the period your agreement and state require.
Receipts are your evidence.
A boutique keeps digital copies of every receipt and signature for large purchases. When a customer disputes a charge a year later the records are ready in minutes.
On a monthly statement this usually appears as a line or two inside a longer table, which is why it is easy to read past. When you review a statement, mark the lines you cannot explain and ask about those first.
Owners often learn this the hard way, through a surprising line on a statement or a call from a bank. Reading it now, before it matters, costs a few minutes and tends to make the next conversation with a processor shorter and more specific.
Payments vocabulary is built to sound harder than it is. Once you know which layer a term belongs to, a statement stops being a wall of numbers and starts being a list of choices you can ask about. Keep this page handy the next time a rate sheet or a notice arrives.
Call (305) 384-8391 and tell us how you sell. We will explain the options in plain English, give you a personal quote and review your current statement for free. There is no price list to compare against, because the right setup depends on your business.
Check your agreement and your card network rules for the signature threshold and for what you must retain, then set the device to match: signature on screen above the threshold, none below. Keep digital copies and a simple retention schedule so old records are discarded on a date, not forgotten, and so a dispute has the evidence it needs. This is general information, not legal or tax advice.
As explained by Merchant Fund Express. Updated 2026.
It depends on the card network and your setup; ask your processor.
Ask your agreement and an advisor; a year or more is common.
Yes, with email or text receipts.
Basic transaction details; networks publish guidance.
Yes. English and Spanish support are available by phone, on site and during staff training, so the person who opens on Monday can learn it in the language they work in.
Sometimes. We review what you have and tell you what can be reused, what is worth replacing and what you should check in your contract before deciding.
Call Merchant Fund Express. We install it, train your staff and stay on the line after launch. Ask for a free rate review while you are at it.
