Free tool
What is your processor really costing you?
Move the sliders to match your business, upload a statement, or pick your processor from the list — then compare Surcharging, Dual Pricing, and Flat Rate side by side. You keep whatever terminal you already use — this is about who processes your transactions, not the hardware on your counter.
See your savings
What could you save with PayWavez?
Everything below updates instantly as you adjust it — no form to submit.
PDF or photo. We read your volume and rate, then delete the file — nothing is stored.
At 3.5%, your current estimated cost is $1,575/mo ($18,900/yr).
Estimated effective cost
$0/mo
Estimated monthly savings
$0/mo
Estimates only, using a 40% debit-share assumption and PayWavez’s own published rates — nothing fabricated. Compliant Credit Surcharging applies only to credit transactions, so debit volume (assumed 40%) still processes at roughly PayWavez’s ~1.5% cost; credit volume drops to $0 merchant cost. Dual Pricing’s posted card price applies to both credit and debit under most states’ cash-discount rules, so merchant-side cost is $0 across your full volume — check your state’s specific requirements. Flat Rate is 2.5% + $0.15/transaction, deducted from your deposits like a traditional processor, applied evenly across all card types — and it stays the same whether the card is swiped, tapped, keyed in, or run online, unlike processors such as Square that charge a higher rate for keyed-in and online transactions. Actual results depend on your real card mix, ticket size, and transaction count. Competitor rates sourced from published Square, Stripe, PayPal, Clover, Toast, Shopify, BigCommerce, and WooCommerce/WooPayments pricing as of 2026 and may vary by plan and processor.
Apply Now — 2 Minute ApprovalSame terminal, different math
Keep the hardware you like
PayWavez supports 2,000+ POS integrations, including Clover and Square-compatible setups. Switching who processes your transactions doesn't mean switching what's on your counter — it just means keeping more of what you earn.