Payanywhere

Payanywhere is an all-in-one payments platform offering free software and hardware with low published rates, letting businesses accept credit cards in store, online and on a job site from one merchant account.

Publishing a single flat rate is the commercial position and it is worth understanding why it matters. Card processing is normally quoted as interchange plus a margin, which means the effective rate varies by card type and cannot be predicted from a price list, and comparing two processors becomes genuinely difficult. Payanywhere publishes 2.69 percent for swiped, dipped or tapped transactions and 3.49 percent plus 19 cents for keyed entry, which a business owner can actually model against expected volume.

The gap between the swiped and keyed rate reflects real risk rather than arbitrary pricing. A card physically present and read by the terminal carries far less fraud exposure than a number typed in from a phone call, and every processor prices that difference. Payanywhere just states both figures instead of burying them.

Acceptance channels cover mobile for the job site, online payments and invoicing from the back office, a virtual terminal for phone and online orders taken in a browser, and in-store hardware in several styles. Employee management lets staff be designated to accept payments and help run the business, and customer management runs through a merchant portal with monitoring, reporting and payment collection. An inactivity fee of 3.99 dollars a month applies, and the 19 cent keyed component also applies to transactions completed through Payments Hub or invoice payments.