For retail businesses

Faster checkout lines. Lower card costs.

Q: How long does approval take?

Most applications move through identity and bank verification in about two minutes. Final approval and account activation depend on underwriting review by our processing partner and its sponsor bank.

Countertop and handheld terminals give you quick-tap checkout and inventory-friendly integrations. Dual pricing keeps card fees from cutting into your margin. Apply online in about two minutes.

Apply Now — 2 Minute Approval

No sales call required to get your Merchant ID. Free terminal placement for qualifying merchants.

Built for how you run your business

Why businesses like yours choose PayWavez

Quick-tap checkout

Contactless & chip on every terminal

Move customers through checkout fast with contactless and chip acceptance built into every terminal option.

Inventory-friendly

Clover & 0+ integrations

Sync sales with the inventory tools many retail shops already run, with support for Clover and other supported POS platforms.

Protect your margin

Dual pricing for retail

Post one price for cash, one for card, and let the customer decide — so processing costs stop eating into your margin on every sale.

How self-signup works

Get your own Merchant ID in about two minutes

Tell us about your store

Fill out a short form — business type, estimated monthly volume, and contact info. Takes about two minutes.

Verify your identity & bank account

Bank-grade identity and account verification powered by Plaid protects you and PayWavez from fraud before approval.

Get your own Merchant ID

Once verified, you're issued a real, dedicated MID in your store's name — never shared or aggregated.

What merchants say

★★★★★

“I've worked with a few payment processors over the years, and PayWavez has been the best by far.”

Charles Goodman

Common questions

Frequently asked questions

Do I need a sales call to get started?

No. The entire application is self-service — fill out the form, complete identity and bank verification, and you're done. A team member is available by phone or email if you have questions.

Is my Merchant ID shared with other businesses?

No. Every PayWavez merchant, including retail stores, receives its own dedicated Merchant ID in the business's own name. Accounts are never shared or aggregated.

How long does approval take?

Most applications finish identity and bank verification in about two minutes. Final approval and account setup depend on a quick review by our processing partner and its sponsor bank.

Does the free terminal placement apply to retail?

Yes, qualifying retail merchants can get a smart POS terminal placed at no cost as part of approval — details are confirmed once your application is reviewed.

Ready to stop overpaying on every sale?

Apply online in about two minutes. No sales call, no obligation.

Apply Now

See more on how PayWavez fits your industry — visit Solutions.