No Fees. Zero Cost Processing

KJ Proweb is an authorized independent sales organization representing the source Chicago-based payment processor.

When customers pay by credit card (whether online, inside of a retail store, or on a mobile device) the seller keeps every penny earned on the sale. There are no processing fees whatsoever.

Zero Cost Credit is a revolutionary breakthrough in the payment acceptance industry. Our proprietary software automatically determines whether a credit card or a debit card is used at the time of purchase.
If a customer pays by debit card, the seller pays 1.00% + $0.25 cents in processing fees.

Instant Bank Direct Debit

When a customer is ready to checkout (when online) and pay, they are shown the online banking portal of their own bank.

The buyer will login into their bank with their User ID and Password (as they have done many times in the past). They verify the exact amount of the sale (click yes) and that's it. The transaction is completed. (Credit card networks are not involved).

Bank direct debit works very similar to like Zelle or Venmo, only faster, more secure and no risk of chargebacks.

High Risk Payment Processing

Are you running into obstacles trying to get credit card processing because of product or service that you sell?
PaymentCloud is the leading provider of payment processing for businesses and entrepreneurs that sell:

  • Accounting & Tax Prep
  • Adult Entertainment
  • Guns & Firearms
  • Cigarettes & Tobacco
  • Tech Support
  • Credit Repair
  • Debt Consolidation
  • Web Design Services
  • Digital Downloads
  • Smoking Accessories
  • Jet Charter
  • Bail Bonds
  • SEO & SEM Services
  • Nutraceuticals and Supplements
  • Vape & E-Cigarettes
  • ..and much more

  • CBD Topicals & CBD Rubs (No Edibles)

    3.50% + $0.25 cents per transaction
    Payment Gateway Fee: $19.99 per month
    Guaranteed Approval within 48 Hours *WAC

    North American Bancard, LLC., is the nation’s sixth-largest independent acquirer, operating its own in-house underwriting team, and does not consider CBD topicals high risk merchandise.
    Merchants selling CBD-infused topical rubs, lotions, and gels (no edibles) are strongly encouraged to apply with
    North American Bankcard.

  • No Application Fee
  • No Monthly PCI Fees
  • No Monthly Statement Fees
  • No Annual Fees
  • No Minimum Monthly Processing Fees
  • No Cancellation Fees
  • Flat Rate Pricing: 3.50% + $0.25 cents per transaction
  • Gateway Fee: half the industry average, $20.00/mo
  • Month to Month Service Agreement
  • Super Fast Deposits
  • Instant Approvals⁺

  • CBD Oils & Tinctures, Isolate Powder, Hemp Flower & Pre-rolls

    4.29% to 4.95%
    $0.30 cents per transaction
    Payment Gateway Fee: $19.99 per month

    No Application Fee

    KJ ProWeb™ is an authorized independent sales organization (ISO) representing six of the largest, most trusted, and financially stable Merchant Service Providers (MSP) in North America.

    Our primary service provider holds a triple-A-rated with the Better Business Bureau and manages over $400 million in monthly electronic payments for tens of thousands of businesses in the United States, Canada, and Europe.

    A unique benefit received as a client of KJ ProWeb™ is deeply discounted wholesale pricing.  We offer flat rate tiered pricing when appropriate and unbeatable Interchange Plus Pricing in most instances.

    Digital Wallet Adoption Surges Across Eight Markets; via @YahooNews

    A few months ago, Facebook announced $100M in cash grants and ad credits for SMBs. It later introduced Facebook Shops to help SMBs sell online. And today it announced a new product to monetize classes and online events.

    “…dispute volumes have increased anywhere between 10% and 50% compared to pre-COVID levels.”

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    Need help? Call our award-winning support team 24/7 at (818) 850-1034

    Copyright©2001-2020. KJ ProWeb, a Kevin James Company. All rights reserved. Kevin James is an authorized ISO representing Banc Certified Merchant Services,, Best Rate Merchant Services, Emerchant Broker, Payment Cloud, Durango Payments and Green Money Payments.