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 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
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.
Pick your pricing model
Compliant surcharging, dual pricing, or flat rate — choose the program above that fits how you run your business.
Verify your identity & bank account
Bank-grade identity and account verification happens securely inside our application before your account is issued. This protects both you and PayWavez from fraud.
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.