YOUR OWN MID, NOT A SHARED ONE
AGGREGATED PROCESSORS GROUP MANY SMALL MERCHANTS UNDER ONE SHARED ACCOUNT. PAYWAVEZ SETS UP AN INDIVIDUAL MERCHANT ID IN YOUR BUSINESS NAME.
Sign up yourself in minutes, like you would with Stripe — no salesperson, no pressure. Choose your own pricing program, get a free terminal, and if you ever want help, a real person shows up. No long-term contract, cancel anytime.
A free smart terminal that fits
how you take payments.
COUNTERTOP & SMART
TERMINALS
Ring up sales, take tips, and email receipts from one screen. Set yourself up in minutes, free terminal included, no contract.
Set up mine
SMART MOBILE & HANDHELD
Charge a card at a job site, a market stall, or a customer’s door — no Wi-Fi required, no contract, free hardware to start.
Set up mine
SMART, ALREADY
ON SQUARE?
Keep the reports and workflow you’re used to — move your processing to $0 cost, set it up yourself, and skip the contract most switches require.
Switch, no contractVertical software, built in-house.
PayWavez doesn’t just process payments — we build the software that runs the business around them. Two in-house platforms, made for the service and rental businesses we work with every day.
DETAILIQ
One app for every kind of detailing business — scheduling, recurring jobs, customer and asset history, quotes, invoices, payments, and reporting. Built for marine, RV, motorcycle, pressure washing, auto, fleet, and aviation detailing.
Visit mydetailiq.com
PANDARLY
Rental management software for equipment, recreation, and event businesses — booking calendars, public self-service booking pages, deposits, invoicing, waivers, and e-signatures, built to prevent double-bookings.
Visit pandarly.com
HERE’S THE QUICK WAY
TO DECIDE.
BEST IF YOU’RE IN A
SURCHARGE FRIENDLY STATE
PASS THE TRUE COST OF CREDIT CARD PROCESSING DIRECTLY TO THE CARDHOLDER — AUTOMATICALLY, AND FULLY COMPLIANT WITH CARD NETWORK RULES. DEBIT CARDS ARE NEVER SURCHARGED.
KEEP 100% OF YOUR SALES.
ELIMINATE PROCESSING FEES INSTANTLY WITH OUR DUAL PRICING PROGRAM — A LISTED CASH PRICE AND A LISTED CARD PRICE.
SIMPLE AND TRANSPARENT.
CLEAR PRICING WITH NO SURPRISE FEES AND A SIMPLE CUSTOMER EXPERIENCE.
FAST AND SECURE PAYMENTS.
PROVIDE YOUR CUSTOMERS WITH A FAST, SECURE AND RELIABLE CHECKOUT EXPERIENCE.
BUILT FOR YOUR BUSINESS.
A FLEXIBLE PAYMENT SOLUTION DESIGNED TO WORK WITH YOUR BUSINESS AND YOUR CUSTOMERS.
SIGN UP YOURSELF, DAY OR NIGHT
AND GET YOUR OWN REAL MERCHANT ID.
PAYWAVEZ IS BUILT AROUND SELF-SERVICE SIGNUP, NOT A SALES CALL. AND UNLIKE PROCESSORS THAT PUT YOU ON A SHARED OR AGGREGATED MID, EVERY PAYWAVEZ MERCHANT GETS THEIR OWN DEDICATED MERCHANT ID — YOUR ACCOUNT, YOUR HISTORY, YOUR STANDING.
SERVING ALL 50 STATES TODAY
PAYWAVEZ SUPPORTS BUSINESSES ACROSS THE UNITED STATES, WITH PAYMENT PROCESSING BUILT AROUND YOUR BUSINESS.
BUILT FOR HOW YOUR INDUSTRY ACTUALLY GETS PAID.
FROM RETAIL COUNTERS TO MOBILE SERVICES, TAKE PAYMENTS IN THE WAY THAT WORKS FOR YOUR BUSINESS.
BANK-GRADE IDENTITY & ACCOUNT VERIFICATION
IDENTITY AND BANK ACCOUNT VERIFICATION HELP CONFIRM YOUR BUSINESS DETAILS AS PART OF THE APPLICATION PROCESS.
PICK THE PRICING MODEL THAT FITS
HOW YOU RUN YOUR BUSINESS.
Every PayWavez merchant gets a free smart terminal, next-day funding, and
their own merchant ID — no matter which program you choose.
DUAL PRICING / CASH DISCOUNT
LEARN MORE & APPLY
KEEP 100% OF YOUR SALES
3.5%BUILT INTO CARD PRICE
- HIGHEST MERCHANT SAVINGS OF THE THREE PROGRAMS
- FREE SMART TERMINAL, NEXT-DAY FUNDING
- CASH AND CARD PRICE BOTH POSTED AT CHECKOUT
COMPLIANT CREDIT SURCHARGING
LEARN MORE & APPLY
STOP PAYING TO GET PAID
3%CREDIT ONLY
- DEBIT IS NEVER SURCHARGED — FULLY COMPLIANT
- FREE SMART TERMINAL, NEXT-DAY FUNDING
- BEST FOR LOUISIANA & SURCHARGE-FRIENDLY STATES
FLAT RATE
LEARN MORE & APPLY
THE SIMPLEST OPTION
2.5%+0.15
- ONE FLAT RATE ON EVERY TRANSACTION
- NO STATEMENT, PCI, OR DOWNGRADE FEES
- LIKE SQUARE — BUT BUILT FOR YOUR BOTTOM LINE
Run your own numbers
See what your current processor costs you every month.
Enter your current rate and monthly card volume. The estimate below uses the same published rates as our three programs — nothing hypothetical.
What you pay today
—
Compliant Surcharging — 3% credit only
—
The 3% is applied to credit transactions at the point of sale, so the cardholder covers the card cost instead of your margin. Debit is never surcharged, so your debit volume (assumed 40% of sales) still processes at cost — that's the monthly figure shown above. Estimated reduction in what you pay: —.
Dual Pricing — 3.5% card price
—
You post a cash price and a card price, and the customer chooses. The card price carries the card processing cost — and under most states' cash-discount rules, it applies to debit too, so it comes out of the transaction rather than your deposits. Estimated reduction in what you pay: —.
Flat Rate — 2.5% + $0.15 per transaction
—
Merchant-paid like a traditional processor, but at one rate with no statement, PCI, or downgrade fees. The figure shown is 2.5% of your volume; add the per-transaction fee on top — about —. Versus your current rate that is roughly — less on the percentage portion.
Estimates only, calculated from the rate and volume you enter, a 40% debit-share assumption, and the published rates of each PayWavez program. Compliant Credit Surcharging applies only to credit — debit is never surcharged, so the figure above still includes your debit volume processing at PayWavez's typical debit rate (about 1.5%). Dual Pricing's posted card price applies to both credit and debit under most states' cash-discount rules, so its merchant-side cost is $0 across your full volume — check your state's requirements. Want an exact number using your own card mix? Use the full calculator.
Apply NowIncluded with every account
Everything that comes with your PayWavez account.
Every one of these is built and run by PayWavez itself — standard on all three pricing programs, not a third-party add-on or an upsell layered on afterward.
Your own MID
A dedicated Merchant ID
A real, individual Merchant ID in your business’s name — never a shared or aggregated account, so your processing history is your own.
Gateway
White-label payment gateway
Accept online payments under your own brand and keep reporting unified with in-person sales — built by PayWavez, with no separate monthly gateway charge stacked on top.
PCI
Automated PCI compliance
PCI compliance is handled and kept current as part of your account, with no PCI compliance fee and nothing extra to set up yourself.
Funding
Same-day and next-day funding
Same-day and next-day funding options are available on qualifying accounts, so settled batches do not sit for days.
Invoicing & B2B
Invoices and card-on-file
Send and collect on invoices, store cards on file for repeat and wholesale accounts, and handle higher-ticket service work without a second processor.
Merchant portal
Statements, batches, deposits
Review settled batches, statements, and funding status yourself in the merchant portal instead of requesting them from a rep.
Compliance
Surcharging & dual pricing, configured
If you run Compliant Credit Surcharging or Dual Pricing, the rules are set on the terminal itself — correct disclosure, debit never surcharged — before your equipment ships.
Underwriting
In-house high-risk underwriting
PayWavez evaluates and approves merchant categories other processors decline outright, using underwriting built for hard-to-place accounts.
Verification
Bank-grade identity & account checks
Every application runs through identity and bank account verification before approval, so setup is fast without cutting corners on security.
For established merchants
Need working capital? Access a cash advance against your future sales.
Once you're processing with PayWavez, you can apply for a merchant cash advance — funding based on your processing history, repaid automatically as a small share of future card sales. No fixed monthly payment to track.
Start by becoming a merchant
Cash advances are available to PayWavez merchants in good standing. Apply for a pricing plan above first, then ask about a cash advance once you're set up.
Giving back
The Gulf Coast is home. We protect what's home.
PayWavez is a Gulf Coast company, and giving back is part of who we are. We are committed to our local environment, dedicating a portion of our resources to protecting Gulf Coast beaches and wildlife.
RATED 4.9 OUT OF 5 BY REAL
PAYWAVEZ MERCHANTS ON GOOGLE.
GREAT COMPANY! BEST CUSTOMER SERVICE AND HANDS ON CARE FOR YOUR COMPANY!
LINDA SALIM
3 YEARS AGO
BEEN DEALING WITH ZAC FOR SOMETIME NOW, GREAT RATES AND EVERYTHING HE SAYS IS EXACTLY WHAT HE DOES. GREAT JOB. WE APPRECIATE WHAT YOU DO.
HAROLD MOTTER
11 MONTHS AGO
I’VE WORKED WITH A FEW PAYMENT PROCESSORS OVER THE YEARS, AND PAYWAVEZ HAS BEEN THE BEST BY FAR.
CHARLES GOODMAN
5 MONTHS AGO
Steffan is very helpful. He is quick to respond. He takes care of any problems or questions or concerns I have and resolves them immediately I am very happy we have this business relationship I trust and follow his advice. Thank you Steffan!
ruthyluis salguero
2 years AGO
Steffan is the best! Works with me in every way possible & helps to make sure that my needs for my company to excel are met. I told him what I was wanting, he analyzed everything, and then came back with a plan to meet my wants and not just my needs.
Kelly Johnson
2 years AGOREADY TO STOP OVERPAYING
ON EVERY TRANSACTION?
GET YOUR MERCHANT ID IN ABOUT
TWO MINUTES. NO SALES CALL. NO OBLIGATION.