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Your businessYour next chapterin the United States

Starting with a skill or building on years of work? Bring your business to Pat. Make sales and follow receipts, team access and available funds in your app and dashboard. Complete verification and payment activation online before your first sale through Pat.

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Doing business in the United States

Money and payments in the United States

Currency in United States

Local currency
US Dollar (USD)

The local currency is the U.S. dollar. No USD exchange rate is needed.

Accepting payments with Pat

  • Merchant signup is open in the United States. Complete business verification and payment activation before accepting payments.
  • See Pat payment fees and choose whether your business or your customer covers the processing fee.
  • Request payouts to an eligible bank account. Timing and any payout fees depend on your account and destination.

Read the Payment Terms for details.

From signup to first payment

Signing up does not prove your account is active. Each step below has to be complete before Pat can take payments for your business.

Pat helps people start and run a business, from making sales to keeping receipts and following available funds. It does not register your business, and it is not a traveler wallet or personal money-transfer service.

  1. 1
    Sign up on the web

    Create your Pat account in a browser. Signup alone does not turn on payments.

  2. 2
    Verify your business

    Complete business and identity verification.

  3. 3
    Connect an eligible bank

    Securely confirm an eligible business bank account during payout setup.

  4. 4
    Payment activation

    Payments turn on only after activation is complete on your account.

  5. 5
    Log in on iPhone

    Sign in to the Pat iPhone app with the same account.

What Pat brings to your business

  • Work where your customers are

    Accept payments once your account is verified and activated. Eligibility requirements apply.

  • Sell without a website

    Turn an agreed order into a sale without building a website.

  • Follow every sale

    Keep payment statuses and receipts together in the app and dashboard.

  • Plan what comes next

    Request available funds to an eligible bank account for your next business needs. Payout timing varies.

  • Verification first

    Business and identity verification come before payments are activated.

  • Stay on top of your sales

    Keep payment statuses and receipts together in your app and dashboard.

Guides for United States

Pat guide

Fees

See how Pat fees work for your account and payment method.

Read more

Frequently asked
questions

What merchants ask about setting up Pat in the United States.

Can I take payments right after signing up?

No. Payments turn on only after verification, a connected bank and activation are complete.

How do I ask about availability?

Contact support. We cannot promise dates.

Is this a traveler wallet?

No. This guide covers merchant setup for businesses that accept payments, not a wallet for travelers.

Are payouts guaranteed to be instant?

No. Payout timing varies. Your account must be activated and connected to an eligible bank before you can receive payouts.

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