Gulf Shores, Alabama
Keep more of every sale you make.
PayWavez sets up small businesses with fast, secure payment processing and a free smart POS terminal — with dual pricing that puts the card fee back on the card user, not on you.
No sales call required to get your Merchant ID. Free terminal placement. Automated PCI compliance included. Same-day and next-day funding available.
Runs on the terminals and POS systems you already use
What merchants say
Rated 5 stars by real PayWavez merchants.
An unedited quote from a PayWavez merchant on what changed after switching.
“Has made a big difference in our profit.”
T. Shelton, Coyote Beach Sports
How dual pricing works
One price for cash, one for cards — the customer decides.
Dual pricing (also called cash discount or surcharge programs) lets you post two prices: a lower cash price and a slightly higher card price that covers the processing cost. Customers choose which one they pay. You stop absorbing card fees out of your margin on every transaction.
Customer chooses at checkout
Pay with cash or debit and get the lower price, or pay with credit and cover the standard processing cost — clearly disclosed at the register and on the receipt.
You keep more of the sale
Instead of card fees quietly eating into your margin on every ticket, the program is structured so card users cover the cost of using a card.
Fully compliant setup
PayWavez configures your program to follow card network disclosure rules, so you're not guessing on signage or receipt language.
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
—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: —.
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: —.
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 Now
Fully self-service
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.
Your own MID, not a shared one
Aggregated processors group many small merchants under one shared account. PayWavez sets up a real, individual Merchant ID for your business from day one.
Bank-grade identity & account verification
Every application runs through Plaid-powered identity and bank account verification before approval — ensuring a secure, frictionless setup so you can start processing faster.
Serving all 50 states today
PayWavez currently processes for U.S. merchants nationwide. PayWavez provides dedicated merchant accounts and processing for businesses across all 50 states.
~2 min
To get a Merchant ID — no sales call required
2,000+
POS integrations supported
$0
PCI compliance fees, automated for you
Free
Smart terminal placement & white-label gateway
Industries we serve
Built for how your industry actually gets paid.
From retail counters to recurring billing, PayWavez supports merchants across a wide range of industries.
Don’t see your industry, or run a specialty/regulated business?
High-risk specialists
We specialize in high-risk and hard-to-place merchants.
Most processors decline high-risk accounts outright. PayWavez's underwriting is built to evaluate and approve the merchant categories other processors turn away.
Communities served
Proudly local to the Gulf Coast.
PayWavez is based in Gulf Shores, Alabama, and serves small businesses throughout the region — and across all 50 states.
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.
Ready to stop overpaying on every transaction?
Get your Merchant ID in about two minutes. No sales call, no obligation.