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.
Most popular
Compliant credit surcharging
Stop paying to get paid
3% credit only
- Debit stays fee-free — 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
Not 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.