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  • Canada
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Europe

  • United Kingdom
  • Germany
  • France
  • Spain
  • Ireland

Asia Pacific and Africa

  • Japan
  • Singapore
  • Australia
  • South Africa
  • Kenya

Merchant signup is open in the United States only. Other countries are not yet available.

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Payment link terms

Effective Date: September 19, 2026

On this page
  1. About Pat and Ernwell, Inc.
  2. Before you pay
  3. Checkout and confirmation
  4. Refunds, disputes, and fulfillment
  5. Payment data and processors
  6. Questions

A short guide to what happens when you choose to pay a merchant through a Pat link.

About Pat and Ernwell, Inc.

Pat is a product and service owned and operated by Ernwell, Inc. In these payment terms, “we,” “us,” and “our” mean Ernwell, Inc.; Pat refers to its product and service.
Our mailing address is 1895 E Rodeo Walk Dr, Suite 200, Holladay, UT 84117, United States.

Before you pay

Check the merchant name, items, quantity, total, currency, and expiration shown on the link. The merchant—not Pat—sets the offer and is responsible for having the goods or services available.
The final amount charged through Pat may include an applicable processing fee. Any fee is included in the final total shown before payment and is not charged a second time.

Checkout and confirmation

Our payment provider processes the payment in the supported currency shown at checkout. A payment is complete only when the provider confirms it. Keep the confirmation for your records; a browser redirect by itself is not proof of payment.

Refunds, disputes, and fulfillment

Ask the merchant about delivery, pickup, cancellation, returns, and refunds. If a merchant does not resolve an issue, you may have rights through your card issuer or bank. A bank dispute does not change the merchant’s responsibility to respond to your order.

Payment data and processors

Pat receives payment status and limited transaction details needed to operate the link. Our payment processors may handle the payment credentials under their own privacy notices and terms. Never share a one-time code, password, or full card number with a merchant or Pat support agent.

Questions

Merchant questions: contact the merchant shown on your payment page. For Pat questions, email hello@paywithpat.com or write to 1895 E Rodeo Walk Dr, Suite 200, Holladay, UT 84117, United States. Include the payment-link receipt number, but not sensitive payment credentials.
Related documents
Terms of ServicePayment link termsMerchant agreementAcceptable use policyPrivacy policyCookie settings

Published by Ernwell, Inc.

Pat

A world where anyone, anywhere can turn an idea into a business. That’s what we’re building toward. Start it. Run it. With Pat.

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Features

Get paidFollow your salesFees and payoutsShare links on your website

Resources

Guides and resourcesWhere it worksFees and payoutsAffiliatesCompare costs

Help

FAQSupportContact usEmail support

Where it works

Merchant signup is open in the United States only. Every other country is not yet available.

  • United States
  • Andorra
  • Australia
  • Austria
  • Belgium
  • Brazil
  • Canada
  • China
  • Colombia
  • Croatia
  • Denmark
  • France
  • Germany
  • India
  • Indonesia
  • Ireland
  • Italy
  • Japan
  • Kenya
  • Lithuania
  • Norway
  • Portugal
  • Puerto Rico
  • Singapore
  • Slovenia
  • South Africa
  • Spain
  • Sweden
  • Switzerland
  • Turkey
  • Ukraine
  • United Kingdom
© 2026 Ernwell, Inc.

Pat is a product of Ernwell, Inc. Pat provides point-of-sale, payment, and receipt software. Payment services, processing, and payouts depend on device compatibility, location, verification, connected-account status, network availability, and payment-provider terms. Merchants remain responsible for their goods, services, taxes, fulfillment, returns, and refunds.

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