Programs, hardware & features
Everything PayWavez actually gives you.
This page covers the what: the three pricing programs, the hardware they run on, and the features included with every account. Looking for how payments work in your specific vertical — approval factors, documents, industry rules? That lives on Industries.
Pricing programs
Three ways to price card acceptance.
Every PayWavez merchant runs one of these three programs. The difference is who carries the card cost — the cardholder or you.
Compliant credit surcharging
Stop paying to get paid
3% credit only
- Debit is never surcharged
- Disclosure printed at checkout and on the receipt
- Terminal holds the rate within card network limits
Dual pricing / cash discount
Keep 100% of your sales
3.5% built into card price
- Cash price and card price both posted at checkout
- Highest merchant savings of the three programs
- The customer chooses which price they pay
Flat rate
The simplest option
2.5% + $0.15
- One flat rate on every transaction
- No statement, PCI, or downgrade fees
- Nothing added at the counter for your customer
Want to see the math on your own volume?
Hardware & POS
Runs on the counter you already have.
PayWavez supports 2,000+ POS integrations, including Clover, Dejavoo, PAX, Valor, SwipeSimple, SkyTab, and Square-compatible hardware. Switching processors does not have to mean switching equipment.
Free smart terminal placement
Qualifying merchants get a smart terminal placed at no upfront hardware cost, pre-configured for the program they chose before it ships.
Countertop, handheld, and mobile
Contactless, chip, and swipe acceptance across every terminal option, plus handheld units for tableside, curbside, and service-bay checkout.
Keep your current terminal
If you already run a supported or compatible system, we change who processes the transaction and leave the hardware alone.
Included with every account
Features you do not pay extra for.
These are standard on all three programs, not upsells layered on afterward.
Your own MID
A dedicated Merchant ID
A real, individual Merchant ID in your business’s name — never a shared or aggregated account, so your processing history is your own.
Gateway
White-label gateway, included
Accept online payments under your own brand and keep reporting unified with in-person sales — without a separate monthly gateway charge stacked on top.
PCI
Automated PCI compliance
PCI compliance is handled and kept current as part of your account, with no PCI compliance fee.
Funding
Same-day and next-day funding
Same-day and next-day funding options are available on qualifying accounts, so settled batches do not sit for days.
Invoicing & B2B
Invoices and card-on-file
Send and collect on invoices, store cards on file for repeat and wholesale accounts, and handle higher-ticket service work without a second processor.
Merchant portal
Statements, batches, deposits
Review settled batches, statements, and funding status yourself in the merchant portal instead of requesting them.
Compliance features
The rules are configured, not left to memory.
If you run surcharging or dual pricing, compliance is a terminal configuration — done before your equipment ships rather than explained to your staff afterward.
Credit only, never debit
Debit is never surcharged. The terminal distinguishes card types itself, so nobody at the counter has to.
Disclosure at checkout and on the receipt
Required disclosure language prints where card network rules require it, and the rate stays within network limits automatically.
Reconfigured when your state’s rules change
State surcharge and disclosure requirements get amended. When yours does, your program setup is updated rather than quietly expiring.
Where to go next
This page is the programs. Those pages are your industry.
Industries
How your vertical actually gets paid
Retail, restaurant, e-commerce, hotel, coaching, pharmacy, collections, credit repair and more — each with the approval factors, documents, and industry-specific rules that apply to it.
High-Risk Specialists
Categories other processors decline
CBD and hemp, cannabis-adjacent retail, vape, firearms, online gaming, nutraceuticals, subscription billing, telemarketing, and high-ticket e-commerce.
Pick a program and get your Merchant ID.
Move through identity verification and start accepting payments in as little as two minutes. No sales call required.