Get started — pick your pricing model
Choose how you want to accept cards.
Every business is different. Pick the program that fits yours, then apply directly — no sales call required. You'll be redirected to our secure Iris application to finish signup, day or night.
Compliant credit surcharging
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
Dual pricing / cash discount
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
Flat rate
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
—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 NowNot sure which one fits?
Apply with help from our team.
Tell us about your business and we'll personally walk you through picking a pricing model and getting your Merchant ID issued — no forms to fill out yourself.
Step 1
Pick your pricing model
Compliant surcharging, dual pricing, or flat rate — choose the program above that fits how you run your business.
Step 2
Verify your identity & bank account
Bank-grade identity and account verification happens securely inside our Iris application before your account is issued. This protects both you and PayWavez from fraud.
Step 3
Get your own Merchant ID
Once verified, you're issued a real, dedicated MID — not a shared or aggregated account.
Prefer to talk it through first?
Call or email us directly.
Speak with a PayWavez team member about your business before you apply.