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Merchant Processing

Payment processing,
simplified.

Accept payments anywhere with fast, secure processing for cards, wallets, or in store. You serve your customers; we handle the rest.

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WHAT WE SUPPORT

Every way your
customers pay.

From swipe to tap to click — accept them all through a single, unified platform.

Debit & Credit Cards
Digital Wallets
ACH Payments
Real-Time Payments
Push to Card
Global Payments
PRICING

Transparent rates.
No surprises.

Simple, flat pricing with no monthly fees, no setup costs, and no hidden charges.

Online Payments
%2.2 + 15¢
combined rate per transaction
Visa / MC / Discover 1.8% + 15¢
American Express 2.5% + 15¢
Setup fee Free
Monthly fee $0
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In-Person
%2.5 + 15¢
combined rate per transaction
Visa / MC / Discover 2.2% + 15¢
American Express 2.9% + 15¢
Hardware Included
Monthly fee $0
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ACH & Surcharge
%0.5 + 25¢
ACH rate per transaction
ACH payments 0.50% + 25¢
Surcharge option 0%
Customer fee pass-through Available
Monthly fee $0
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FEE CALCULATOR

See exactly what
you'd pay.

Enter your monthly volume and get your real cost — no guesswork, no surprises.

Your business

Adjust the inputs to match your volume

Monthly Volume ($)
Avg. Transaction Size ($)
Payment Type
Your monthly fees
$925
~588 transactions / mo
Savings vs. typical processor
$530
~$6,360 saved per year
Payova $925
Stripe / Square (2.9% + 30¢) $1,628
Traditional Processor (3.5% + 30¢) $1,926
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SEE IT IN ACTION

Built for the way
you do business.

Accept every payment, everywhere.

Whether you're running a storefront, a restaurant, or an online shop — Payova handles the payment rail so you can focus on what you do best. Cards, wallets, ACH, in-person, online. All of it, unified.

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Payova payment platform
FEATURES

Everything you need
to run payments.

Built for restaurants, retailers, service businesses, and everyone in between.

Real-Time Reporting

See every transaction as it happens. Dashboards and analytics give you the full picture — revenue, trends, and performance, all in one place.

Offline Mode

Keep processing even when the internet goes down. Transactions queue automatically and sync the moment you're back online.

Multi-Location Management

Run multiple storefronts from a single dashboard. Centralized reporting and settings so your whole operation stays in sync.

Fast Payouts

Your money moves fast. Consistent, predictable deposit schedules with no unexpected holds or freezes — ever.

Built-In Fraud Protection

Real-time alerts, pre-dispute monitoring, and intelligent fraud controls work behind the scenes to keep your business protected.

Online Ordering Integration

Connect your online storefront seamlessly. Customizable menus, modifiers, and ordering flows that match how your business actually works.

WHY PAYOVA

The processor built
for real businesses.

Not just a payment gateway — a partner that shows up when it matters.

Real Support From Real Experts

Personalized underwriting and 24/7 expert support — not bots, not ticketing queues. People who know your account and pick up the phone.

Infrastructure That Scales

Whether you're processing $10K or $10M a month, our infrastructure grows with you. No volume limits, no daily caps, no surprises.

Timely Payouts & Consistency

Predictable deposit schedules you can plan around. No unexpected holds, no freezes, no excuses. Your cash flow is yours.

Built-In Protection

Proactive alerts, pre-dispute monitoring, and fraud controls built into every account — so you can focus on your business, not chargebacks.

HOW TO APPLY

Up and running
in three steps.

01

Submit Your Application

Fill out a quick application online. You'll need your EIN, business bank account details, and basic business info. Takes about 10 minutes.

02

Get Approved

Our underwriting team reviews your application — typically within 1–2 business weeks. We'll reach out with any questions along the way.

03

Start Accepting Payments

You're live. Hardware ships to your door, your online gateway is ready, and our team is on standby for a smooth first day.

FAQ

Common questions.

How long does approval take? +
On average, approval takes 1–2 business weeks. Our underwriting team personally reviews each application and may reach out if additional information is needed.
What do I need to apply? +
Your business must be legally registered in the United States with a valid EIN. LLCs and corporations require a business bank account. Sole proprietors may use a personal account.
Are there any monthly or setup fees? +
No. There are no monthly fees, no setup costs, and no hidden charges. You only pay per transaction at the rates listed above.
What is the surcharge option? +
With our surcharge program, the processing fee is passed through to the customer at the time of sale. This brings your effective cost to 0% on card transactions, within applicable state laws.
When do I get paid? +
Payouts follow a consistent schedule with no unexpected holds or freezes. Most merchants receive funds within 1–2 business days after settlement.
Do you support restaurants and retail? +
Yes. Our POS system is purpose-built for busy restaurants, chains, mom-and-pop shops, and service-based businesses. Features include customizable menus, modifiers, multi-location management, and online ordering integration.

Ready to get paid?

Apply in minutes. No setup fees. No monthly costs. Just payments that work.

Apply Now