Serving small businesses nationwide
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.
Runs on the terminals and POS systems you already use
How self-service signup works
From application to accepting cards — no sales call required.
Fill out the secure application
Business details, owner info, and banking — started on your own time, day or night.
Plaid verifies your bank instantly
Bank-grade identity and account verification runs automatically the moment you connect.
AI underwriting reviews your file
Automated risk review checks your application the moment your documents are in.
Get your dedicated Merchant ID
Qualifying merchants are approved and boarded in about 2 minutes — not days.
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.
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 — it's how we keep the self-service flow fast for real merchants while screening out fraud.
Serving all 50 states today
PayWavez currently processes for U.S. merchants nationwide. International support is on the roadmap, not available yet.
~2 min
To get a Merchant ID — no sales call required
0+
POS integrations supported
$0
PCI compliance fees, automated for you
Free
Smart terminal placement & white-label gateway
Real merchants, real terminals
This is an actual PayWavez merchant — not a stock photo.
Small businesses across the Gulf Coast run their card payments on PayWavez every day. No actors, no stand-ins — just the local shops we work with.
What merchants say
Real reviews from real Gulf Coast businesses.
These are unedited quotes from PayWavez's Google Business Profile — currently rated 4.9 out of 5 across 10 reviews.
“I've worked with a few payment processors over the years, and PayWavez has been the best by far.”
Charles Goodman
“Been dealing with Zac for sometime now. Great rates and everything he says is exactly what he does.”
Harold Motter
“Steffan is the best! Works with me in every way possible... He also cut my cc fees in half.”
Kelly Parks
“Knowledgeable and super helpful!”
Ruth Bartet
Already processing with us?
Your merchant portal — statements, reporting & cash advances, all in one place.
Once you're approved and boarded, your merchant portal login is where you manage your account day to day. No need to re-apply or dig through email — sign in any time.
Reporting
Statements & transaction history
Pull your monthly statements, full fee breakdowns, deposits, and transaction history any time — no need to call or email for a copy.
Growth capital
Apply for a cash advance
Existing merchants in good standing can apply for a merchant cash advance directly from the portal — funded against your processing history.
Mid-application?
Pick up where you left off
Started your application but didn't finish? Sign in to the portal to upload remaining documents and complete it — no need to start over.
New to PayWavez? Start your application here instead.
Ready to stop overpaying on every transaction?
Get your Merchant ID in about two minutes. No sales call, no obligation.