Joint Venture Card Holdings, Inc.
https://jvcpayments.com/
Launching NYC This Year
Launching NYC This Year
2026
Pay Now
4-Pay
Pay Over Time
Overnight settlement
Pay Now
4-Pay
Pay Over Time
Overnight settlement
A credit card you can accept for alternative medicine purchases and beyond. Offer your customers real credit, earn overnight settlement, and pay as low as $0 in merchant fees.
2026
Pay Now
4-Pay
Pay Over Time
Overnight settlement
A credit card you can accept for alternative medicine purchases and beyond. Offer your customers real credit, earn overnight settlement, and pay as low as $0 in merchant fees.
Finally, the industry accepts credit.
Consumer APR
Subject to approval. Terms apply.
Consumer APR
Subject to approval. Terms apply.
Cash back
Paid in full at checkout with $0 interest.
Cash back
Paid in full at checkout with $0 interest.
Merchant fees
Interchange can be offset by a consumer surcharge of up to 100%.
Merchant fees
Interchange can be offset by a consumer surcharge of up to 100%.
Repayment options
Pay Now, 4-Pay, or Pay Over Time.
Repayment options
Pay Now, 4-Pay, or Pay Over Time.
Finally, the industry accepts credit.
Consumer APR
Subject to approval. Terms apply.
Cash back
Paid in full at checkout with $0 interest.
Merchant fees
Interchange can be offset by a consumer surcharge of up to 100%.
Repayment options
Pay Now, 4-Pay, or Pay Over Time.
The first true closed-loop credit payment network for our industry.
The first true closed-loop credit payment network for our industry.
Give your customers
OPTIONS
Give your customers
OPTIONS
Accept Credit
Boosts Sales
Arizona merchants saw
basket sizes UP 140% when customers paid with JVC.
Accept Credit
Boosts Sales
Arizona merchants saw
basket sizes UP 140% when customers paid with JVC.
As low as 0% merchant fees
Interchange fees may be offset by a consumer credit card surcharge with no net cost to you, subject to state law. No special equipment is needed.
Reward employees
Your employees receive a $5 cash bonus from us for every customer they refer after their first purchase.
No bank chargebacks
Next-day ACH settlement
WE ARE THE NETWORK (...and the issuer and the acquirer)
Start merchant application
6
Accept JVC
in-store and online
Give your shoppers 3 payment options at your POS and on your e-commerce site for a smooth, simple, and consistent customer experience.
10:45
JVC Support
Today 09:17
Yesterday’s sales settled overnight into your bank account.
Overnight
Settlement
As low as 0% merchant fees
Interchange fees may be offset by a consumer credit card surcharge with no net cost to you, subject to state law. No special equipment is needed.
Reward employees
Your employees receive a $5 cash bonus from us for every customer they refer after their first purchase.
No bank chargebacks
Next-day ACH settlement
WE ARE THE NETWORK (...and the issuer and the acquirer)
Start merchant application
6
Accept JVC
in-store and online
Give your shoppers 3 payment options at your POS and on your e-commerce site for a smooth, simple, and consistent customer experience.
10:45
JVC Support
Today 09:17
Yesterday’s sales settled overnight into your bank account.
Overnight
Settlement
Merchant benefits
Merchant benefits
Rewards and repayment
Every purchase using the JVC Card earns bonus rewards. Customers can get up to 7.5% back, with a 5% minimum, on every purchase.
Rewards and repayment
Every purchase using the JVC Card earns bonus rewards. Customers can get up to 7.5% back, with a 5% minimum, on every purchase.
In-store
Online
Pay Now
7.5%
7.5%
back
Pay the full amount at checkout with $0 interest.
How it works:
Full amount due at checkout
$0 interest
7.5% back on the purchase
Instant line of credit, subject to credit approval
Approval takes about 2 minutes
Valid ID and bank account required
4-Pay
Most popular
6.25%
6.25%
back
Split the balance into 4 installments over 6 weeks.
How it works:
4 installments over 6 weeks
6.25% back on the purchase
Instant line of credit, subject to credit approval
Approval takes about 2 minutes
Valid ID and bank account required
Rewards earned on every purchase
Pay Over Time
Premium
5%
5%
back
Carry a balance with minimum monthly payments.
How it works:
Minimum monthly payments
5% back on the purchase
Instant line of credit, subject to credit approval
Approval takes about 2 minutes
Valid ID and bank account required
Rewards earned on every purchase
In-store
Online
Pay Now
7.5%
7.5%
back
Pay the full amount at checkout with $0 interest.
How it works:
Full amount due at checkout
$0 interest
7.5% back on the purchase
Instant line of credit, subject to credit approval
Approval takes about 2 minutes
Valid ID and bank account required
4-Pay
Most popular
6.25%
6.25%
back
Split the balance into 4 installments over 6 weeks.
How it works:
4 installments over 6 weeks
6.25% back on the purchase
Instant line of credit, subject to credit approval
Approval takes about 2 minutes
Valid ID and bank account required
Rewards earned on every purchase
Pay Over Time
Premium
5%
5%
back
Carry a balance with minimum monthly payments.
How it works:
Minimum monthly payments
5% back on the purchase
Instant line of credit, subject to credit approval
Approval takes about 2 minutes
Valid ID and bank account required
Rewards earned on every purchase
In-store
Online
Pay Now
7.5%
7.5%
back
Pay the full amount at checkout with $0 interest.
How it works:
Full amount due at checkout
$0 interest
7.5% back on the purchase
Instant line of credit, subject to credit approval
Approval takes about 2 minutes
Valid ID and bank account required
4-Pay
Most popular
6.25%
6.25%
back
Split the balance into 4 installments over 6 weeks.
How it works:
4 installments over 6 weeks
6.25% back on the purchase
Instant line of credit, subject to credit approval
Approval takes about 2 minutes
Valid ID and bank account required
Rewards earned on every purchase
Pay Over Time
Premium
5%
5%
back
Carry a balance with minimum monthly payments.
How it works:
Minimum monthly payments
5% back on the purchase
Instant line of credit, subject to credit approval
Approval takes about 2 minutes
Valid ID and bank account required
Rewards earned on every purchase
JVC is the first and only true credit solution for our industry"
"Our account was approved within days!"
JVC Payments
Joint Venture Card Holdings, Inc.
20+
20+
20+
Licensed and regulated
* Credit issued by:
(CO) Joint Venture Card of Colorado, LLC. UCCC Supervised Lender License SUP-4000759
(AZ) Joint Venture Card of Arizona, LLC. Arizona Consumer Lender License CL-1048125
(OR) Joint Venture Card of Oregon, LLC. Oregon Consumer Finance License 2564642-L
† Although there are no bank chargebacks, the consumer has limited credit card dispute rights which we investigate with you and may result in a chargeback from us.
Licensed and regulated
* Credit issued by:
(CO) Joint Venture Card of Colorado, LLC. UCCC Supervised Lender License SUP-4000759
(AZ) Joint Venture Card of Arizona, LLC. Arizona Consumer Lender License CL-1048125
(OR) Joint Venture Card of Oregon, LLC. Oregon Consumer Finance License 2564642-L
† Although there are no bank chargebacks, the consumer has limited credit card dispute rights which we investigate with you and may result in a chargeback from us.
4+
Licensed states
Colorado, Arizona, Oregon, New York
4+
Licensed states
Colorado, Arizona, Oregon, New York
3
Payment options
Buy Now, 4-Pay, Pay Over Time
3
Payment options
Buy Now, 4-Pay, Pay Over Time
0
Bank chargebacks
we handle all disputes
0
Bank chargebacks
we handle all disputes
How it works
Merchant due diligence and approval with:
Consumer underwrighting with:
How it works
Merchant due diligence and approval with:
Consumer underwrighting with:
01
Apply to become a merchant
Your business applies to become an authorized merchant. We do not require financials.
01
Apply to become a merchant
Your business applies to become an authorized merchant. We do not require financials.
02
Due diligence review
We complete a due diligence process to comply with Federal bank secrecy and money laundering statutes.
02
Due diligence review
We complete a due diligence process to comply with Federal bank secrecy and money laundering statutes.
03
Start accepting JVC
Accept JVC at your POS. No special equipment is needed.
03
Start accepting JVC
Accept JVC at your POS. No special equipment is needed.
04
Get paid overnight
Funds are automatically deposited through next-day ACH.
04
Get paid overnight
Funds are automatically deposited through next-day ACH.
Built by veterans
from the banks you trust
Founded by ex-Chief Compliance, Credit, and Financial Officers from:
Built by veterans
from the banks you trust
Founded by ex-Chief Compliance, Credit, and Financial Officers from:
FAQ
FAQ
Is your credit card legal?
Yes, we are a state licensed lender.
Should we be concerned that Visa or MasterCard will close your credit card program?
No, we do not issue Visa or MasterCard credit cards. We built our own private network where we are both the issuer and acquirer.
Will I still get bank chargebacks like I get today from our ACH providers?
No, you will never get a chargeback from a bank. Although there are no bank chargebacks, the consumer has limited credit card dispute rights which we investigate with you and may result in a chargeback from us.
How do I go about accepting your credit card for payment?
Your business will need to apply to become an authorized merchant. We do not require financials. However, we must complete a due diligence process to comply with Federal bank secrecy and money laundering statutes.
How long does the merchant approval process take?
In most cases, the merchant’s due diligence and approval process is completed in seconds.
Is your credit card legal?
Yes, we are a state licensed lender.
Should we be concerned that Visa or MasterCard will close your credit card program?
No, we do not issue Visa or MasterCard credit cards. We built our own private network where we are both the issuer and acquirer.
Will I still get bank chargebacks like I get today from our ACH providers?
No, you will never get a chargeback from a bank. Although there are no bank chargebacks, the consumer has limited credit card dispute rights which we investigate with you and may result in a chargeback from us.
How do I go about accepting your credit card for payment?
Your business will need to apply to become an authorized merchant. We do not require financials. However, we must complete a due diligence process to comply with Federal bank secrecy and money laundering statutes.
How long does the merchant approval process take?
In most cases, the merchant’s due diligence and approval process is completed in seconds.
Do you want to be the first shop in New York to accept credit?
Contact us
Do you want to be the first shop in New York to accept credit?
Contact us
Do you want to be the first shop in New York to accept credit?
Contact us