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This website is operated by Payment Processing of America LLC ("PPA"). Wherever used on this website, the terms "we", "us", and "our" refer to PPA, and the terms "you" and "your" refer to any users of PPA's website. Your permission and license to access and use the information, tools, and services provided on this website is conditioned upon your acceptance of all terms, conditions, policies, and notices stated on this website. Your acceptance of all applicable terms, conditions, policies, and notices is implied by your use of this website.

Subject to the below terms and conditions (together with any additional terms, conditions, and policies referenced herein or made available by hyperlink, the "Terms of Service"), PPA will provide you with an easy, convenient, and secure way to make payments to homeowner associations, medical institutions, and vendors using a credit card or as an automated clearing house transaction (collectively, the "Services" and each a "Service").

The Terms of Service shall apply to all users of the site regardless of whether such users actually avail themselves of any Services. This includes, without limitation, users who are browsers, vendors, customers, merchants, or contributors of content.

Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the website, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services.

Our website is hosted by BigDrum Hosting. BigDrum Hosting provides us with the online e-commerce platform that allows us to offer the Services to you.


By visiting this website or by utilizing any of the Services, you are representing that you are at least the age of majority in your state or province of residence, and you are consenting to use of this website. PPA reserves the right to refuse service to anyone for any reason at any time. You understand that your personal information (not including credit card information) may be transferred unencrypted and that it may involve (a) transmissions over various networks and (b) changes necessary to conform and adapt to the technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks. The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms of Service.


Prices for the Services are subject to change without notice. We reserve the right at any time to modify or discontinue any or all of the Services without notice at any time. PPA shall not be liable to you or to any third party for any modification, price change, suspension, or discontinuance of the Services.


If, at PPA's request, you send certain specific submissions or if, without a request from us, you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, "Comments"), you agree that PPA may, at any time, without restriction, edit, copy, publish, distribute, translate, or otherwise use in any medium any Comments that you forward to us. PPA shall not be under any obligation to (1) maintain any Comments in confidence; (2) pay compensation for any Comments; or (3) respond to any Comments. PPA may, but has no obligation to, monitor, edit, or remove Comments or other submissions that PPA determines in its sole discretion to be unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene, or otherwise objectionable or that violates any party's intellectual property rights. You agree that your comments will not violate any right of any third party, including, without limitation, copyright, trademark, privacy, personalty, or other personal or proprietary rights. You further agree that your Comments will not contain libelous or otherwise unlawful, abusive, or obscene material, nor will your Comments contain any computer virus or other malware that could in any way affect the operation of the Services or any related website. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of any Comments. You are solely responsible for any Comments you make and their accuracy. PPA takes no responsibility and assumes no liability for any Comments posted by you or any third party.


Your submission of personal information through the website is governed by our Privacy Policy.


Occasionally there may be information on our website that contains typographical errors, inaccuracies, or omissions relating to descriptions, promotions, offers, or availability. We reserve the right, at any time and without prior notice to you, to correct any such errors, inaccuracies, or omissions. We further reserve the right to change or update information at any time or to cancel any order if any information related to that order was inaccurate at the time the order was placed. Notwithstanding the foregoing, we undertake no obligation to update, amend, or clarify information on this website or on any related website, including without limitation, pricing information, except as required by law. No update or refresh date applied to this website or to any related website should be taken to indicate that all or any further information on this website or on any related website has been modified or updated.


In addition to the other prohibitions set forth in the Terms of Service, you are prohibited from using the website or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate PPA's intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may affect the functionality or operation of the Services, this website, any related website, other websites, or the Internet generally; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Services, this website, or any related website, other websites, or the Internet. We reserve the right to terminate your use of the Services, this website, or any related website for engaging in any of the prohibited uses.


PPA does not guarantee, represent, or warrant that your use of the Services will be uninterrupted or error-free. You agree that from time to time, PPA may remove the Services for indefinite periods of time or cancel the Services at any time, without notice to you. You agree that you are responsible for your own ability to access this website and the services. The services are (except where otherwise expressly stated by PPA) provided to you on an 'as is' and 'as available' basis, without any representations or warranties of any kind, either express or implied. The foregoing disclaimer of warranties shall be deemed to disclaim, without limitation, all implied warranties of fitness for a particular purpose, durability, and non-infringement.

In no case shall the principals of PPA, PPA's officers, employees, affiliates, agents, contractors, interns, suppliers, service providers, or licensors be liable for any injury, loss, or claim or for any direct, indirect, incidental, punitive, special, or consequential damages of any kind. The foregoing exclusion shall be deemed to exclude, without limitation, (i) lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability, or otherwise, arising from your use of any of the Services or any products procured using the Service and (ii) any claim related in any way to your use of the Services or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the Services or any content (or product) posted, transmitted, or otherwise made available via this website or through the Services, regardless of whether you have been advised of their possibility. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, the foregoing limitation of liability shall be given the most extensive application permitted by applicable law in such states or jurisdictions. If, whether by mistake or intentionally, you make an error in payment or choose to cancel a payment, you are obligated to exhaust your rights to collect from the provider, person, or entity to whom you made the payment before taking any collection action against PPA.


You agree to indemnify, defend, and hold harmless PPA and PPA's parent company, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns, and employees from any claim or demand, including, without limitation, any claim for attorneys' fees, made by any third party related to or arising out of your breach of these Terms of Service or the documents they incorporate by reference or related to or arising out of your violation of any law or the rights of a third party.


In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and if the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of the remaining provisions.


These Terms of Service are effective unless and until our business and contractual relationship is terminated by either you or PPA. The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement. You may terminate these Terms of Service at any time by notifying us in writing that you no longer wish to use the Services. If in our sole judgment you fail to comply with any term or provision of these Terms of Service, PPA may deny you access to any or all of the Services and may terminate this agreement without notice.


The failure of us to exercise or enforce any right or provision of these Terms of Service at any time or times shall not constitute a waiver of such right or provision.

These Terms of Service and any policies or operating rules posted by PPA on this website or in respect to the Services constitute the entire agreement and understanding between you and PPA, and they govern your use of the Services, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service). Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party.


These Terms of Service and any separate agreements whereby PPA provides you any products or services shall be governed by and construed in accordance with the laws of the State of Georgia.


Any new features or tools which are added to the current website shall also be subject to the Terms of Service. You can review the most current version of the Terms of Service at any time at this webpage. We reserve the right, at our sole discretion, to update, change, or replace any part of these Terms of Service by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Services following the posting of any changes to these Terms of Service constitutes acceptance of those changes.


Questions about the Terms of Service should be sent to us at

Contact Details

Address: 100 North Patterson Street, Suite P
Valdosta, Georgia 31601

Phone: 229.316.8970