Accepting credit cards doesn't have to be expensive


Our merchant services program offers highly competitive rates, personalized customer service and the latest technology to help your business thrive. No upsells, no expensive extras and no unnecessary features. We'll simply make sure you’re using the best possible processing option at the best available pricing. And our industry-leading customer service team is always just a phone call away.

Everything You Need

From beginning to end, we can handle everything in one place. Account origination, training, supplies, equipment, reporting and service — all from your financial partner.

Low processing rates

We'll work with you to offer the lowest possible rates for your business type and won't overwhelm you with extra fees.

NO CONTRACTS

Unlike most providers, we don't lock you into a lengthy agreement with a huge cancellation fee. If you can find a better processing option, leave any time.

PERSONALIZED SERVICE

Everybody says they offer great customer service. We actually do. No matter the issue, we're available to help any time you need us.

in-depth reporting

Secure, web-hosted reporting allows you to monitor your business from anywhere at any time.

A FULL SUITE OF PRODUCTS

No matter the business type or processing requirements, we have a product option to enhance your business, including POS systems, back office solutions, industry-specific products and more...

Business Management & Payment Solutions


Not all transactions take place at a sales counter. Our most powerful payment tools provide the capability to conduct business anywhere — online, in the back office, over the phone or even in person. But payments are just the beginning. Aside from serving as a virtual terminal, these fully-featured systems provide a host of integrated tools designed to serve as the hub of your business — keeping you informed, running efficiently and ready to take your business to the next level.

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Paya Connect

Paya Connect is an all-in-one virtual payment solution, providing you with a single, secure platform to accept credit and debit, ACH, EFT and FSA. Built for multi-location businesses and recurring-payment transactions, the Paya Vault securely stores customer card data — in accordance with industry standards — to allow for easy repeat billing. Additionally, Paya Connect comes complete with built-in invoicing tools and Level 3 processing capabilities, making this the most important component of your back office.

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All-in-One Business Solution

See a few of Paya Connect's key features in action, including the simple process of running transactions.

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Recurring Payments

Watch how quickly you can add repeat billings — set it once, and don't worry about it again.

Learn More About Paya Connect

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MX™ Merchant

MX™ Merchant is a powerful payment and business management platform that effectively manages all critical aspects of your day-to-day operation. This cloud-based solution can process payments anywhere – including credit cards, cash and/or checks — and a robust set of reporting and monitoring options allow you to view daily payments in real-time, break down historical data or view deposits, settlements, chargebacks, billing and monthly merchant statements.

MX™ Merchant scales to your needs by providing paid access to add-on apps, which allow you to customize the MX™ experience and create the perfect business management solution.


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MX™ Merchant Suite

More than a payment-processing tool, MX™ Merchant is an entire payments ecosystem custom-built to your needs.

MX Insights provides intelligence on your competition and an understanding of your customer demographics, including key data to help you boost sales and drive loyalty.  Learn More


Learn More About MX Merchant

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SwipeSimple Virtual Terminal

The Virtual Terminal from SwipeSimple is a modern, easy-to-use payment solution for small businesses, letting you run transactions, send and receive invoices and more — with just a web browser.

With time-saving functionality like cloud-based inventory, item tracking, real-time transaction history, tax reporting, the ability to set up recurring payments and compatibility with a variety of smart terminal devices, the SwipeSimple Virtual Terminal makes it easier to run your business right from your computer.

Learn More About SwipeSimple VT

Retail POS & Mobile Payments


The future of payments is here with devices that do way more than just process a payment. Fully customizable and fully integrated, smart POS systems provide an enhanced transaction experience — including customer-facing touch screens, contactless payments and pay-at-table options. But they do so much more to help you efficiently manage your business, including inventory tracking, customer engagement campaigns and HR applications. Add in the "always-on" connectivity of modern smartphones, and there are no limits to where you can do business.

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Clover Station Duo

The ultimate point-of-sale bundle, the Clover Station Duo is ready to go right out of the box. Featuring a 14" HD merchant-facing screen and a 7" customer-facing smart terminal, this all-in-one package also includes a high speed receipt printer.

The Clover Station Duo is the perfect POS package for any setting — retail or restaurant — and connects to other Clover hardware to add even more functionality. And with access to best-in-class apps and back office functions like inventory management, the Clover Station Duo is the center of any business operation.

Learn More About Clover Station Duo

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Clover Station Solo

With a large display, the versatility to accept a number of payment types, the power to organize inventory, manage team activities and the flexibility to create custom functions with Clover family add-ons, the Clover Station Solo is the ultimate POS tool to get your business running.

Learn More About Clover Station Solo

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Clover Flex

The most flexible POS device on the market. With built in Wi-Fi and LTE connectivity, the Flex is full-featured enough to serve as a standalone system. Or, add the Flex to other Clover components to realize their full potential, including pay-at-table capability.

Learn More About Clover Flex

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Clover Mini

Small enough to fit into any space, the Clover Mini still packs plenty of POS power to run your business. The Mini is the perfect option for allowing quick service or small retail locations to benefit from the same business management features as larger POS customers. And, as part of the Clover ecosystem, the Mini will easily grow with your business.

Learn More About Clover Mini

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Mobile Payments

Add a mobile component to your merchant account and take your business anywhere. Securely process any payment using just about any smartphone or tablet. Perfect for organizations with distributed employees or those that aren't tied to a specific retail location. Available for both iOS and Android.

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Learn More About Mobile Payments

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"Pay As You Go" Mobile

Ideal for seasonal merchants, one-time events or other small businesses that may not process payments regularly or may have a low processing volume, "Pay As You Go" mobile payments provide all the benefits of a traditional mobile product — including EMV/contactless card acceptance, sales tracking, reporting and inventory management — but without monthly fees.

You'll pay one flat rate — starting at 2.69% per transaction…and only when you use it.*

Plus, your first card reader — a 2-in-1 Bluetooth device reading EMV or swiped cards — is free.**

Available for both iOS and Android.

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Features, Functions & How-Tos

See what makes Payanywhere even more powerful than a standard processing terminal, but just as simple to use.

Learn More About "Pay As You Go" Mobile

*Swiped, Dipped or Tapped Transactions: 2.69%
Keyed transactions: 3.49% + $0.19
Inactivity Fee: $3.99/month applicable only to merchants who do not process a transaction for 12 months.

**Additional readers available for $29.95 each.
3-in-1 Bluetooth Reader (EMV, Swiped, Contactless) available for $59.95 each.

Next-Generation Terminals


Don't be confused by their similar appearance — the new generation of terminals bear little resemblance to their predecessors when it comes to speed, versatility and their integration capabilities. Vibrant customer-facing screens, seamless communication with back-office systems and wireless connectivity are just some of the standard features merchants can expect from the latest payment acceptance devices.

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Desk/3500

The Desk/3500 is the first step into the new world of smart payment acceptance. Compact, fast, secure and powerful, the Desk/3500 can handle whatever payment is thrown at it and features a variety of connectivity options. And when utilizing the MX Merchant platform, the Desk/3500 will provide instant, real-time reporting directly to your back office system.

Learn More About the Ingenico Desk/3500

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Move/5000

Sales are no longer constrained to traditional checkout lines. The Move/5000 provides all the capabilities of a Desk series device but with the freedom of Bluetooth and optional 4G/LTE connectivity, allowing payments to be accepted on the move. A great option for pay-at-table venues, the Move/5000 also includes a full-color touchscreen with video capability to enhance the customer check-out experience.

Learn More About the Ingenico Move/5000

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Lane/3000

Designed for retailers using the Paya Connect platform for back office business management, the Ingenico Lane/3000 is a fast and secure solution that covers all payment methods and provides an integrated retail option without hand-keying.

Learn More About the Ingenico Lane/3000

Additional Payment Products & Services



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Software Integration

Just because you're using industry-specific or custom software doesn't mean you're stuck with high processing rates. In many cases, our merchant account can be integrated into third-party software applications. Let us determine if our solution will work for you.

Find Out if We Can Integrate With Your Software

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Gift/Loyalty Cards

An affordable, turnkey program to reinforce your brand. Includes four-color printing, custom branding and multiple program types to provide the ultimate in flexibility.

Learn More About Gift & Loyalty Cards

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Check Services

Process check payments as easily and safely as credit cards with check guarantee and conversion services. No bounced checks, no NSF fees and no physical deposits.

Learn More About Check Services

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Donation Management

Nonprofits can manage online fundraising programs by accepting one time and recurring donations, membership dues and registrations.

Learn More About Donation Management

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Municipal Invoicing

A simple and effective method for municipalities to deliver invoices and collect payments online (including convenience fees).

Learn More About Municipal Invoicing