For Local & Service Businesses
Simple, published rates. Zero lock-in.
Take cards in person with the PAX D135 reader, send invoices online, or accept ACH bank transfers at one published rate — with no monthly fees, no contracts, and no surprise statement markups.
- No contract
- No early-termination fee
- No monthly fee
- Invoicing included
Not sure how your current processor stacks up? Compare your rate in 30 seconds →
In-person (Card Present)
2.6% + 15¢
Tap, chip, Apple Pay, and Google Pay on the PAX D135 reader.
Online & Invoicing
2.9% + 30¢
Hosted payment links, invoices, and saved cards — invoicing and tax calculation included.
ACH Bank Transfer
0.8% + 25¢
Capped at $10 per transfer — built for contractors, retainers, and large invoices.
Why merchants switch
Everything you need to get paid, nothing hidden in the fine print.
No contract or cancellation fee
Month-to-month from day one. You never sign a multi-year processor lease or pay an early-termination penalty.
Invoicing & tax built in
Send professional invoices, payment links, and receipts without paying for a separate invoicing subscription.
Next-day payouts
Track every charge, fee, settlement, and bank deposit down to the cent in your merchant portal.
Self-serve or talk to a human
Apply online in five minutes at our published rate, or hop on a 15-minute call with our team in New York.
Built for real businesses
Counter-service, salons, trades, and retail.
Salons, Barbers & Personal Care
MCC 7230Fast tap-to-pay checkout with built-in tip presets (15%, 18%, 20%) and instant email receipts.
Contractors & Field Services
MCC 1520Send estimates and invoices, collect ACH transfers capped at $10, or take cards on the job site.
Counter-Service Food & Coffee
MCC 5814Reliable Bluetooth PAX D135 hardware with quick tip prompts and clean daily sales + tip reporting.
Walk-In Retail & Local Shops
MCC 5999One honest rate for in-store and online orders without POS software lock-in.
Self-Serve Application
Start your merchant application
Apply directly at our published rates (2.6% + 15¢ in-person, 2.9% + 30¢ online, 0.8% + 25¢ ACH capped at $10) with no monthly fee and no contract — or book a call if you want to walk through your statement with us first.