Payment Processing Solutions | PayAnywhere Merchant Accounts & Low-Rate Credit Card Processing — KJ ProWeb

PayAnywhere • North American Bancard • Low Rates

Accept Every Payment, Everywhere — In-Store, Online, and On Your Phone.

KJ ProWeb sets your business up on Payanywhere by North American Bancard: low-rate merchant accounts, smart terminals, e-commerce gateways, and free next-day funding. Take credit, debit, tap-to-pay, Apple Pay, Google Pay, and more — with no junk fees and no guesswork.

🔒 PCI-DSS Compliant

⚡ 24–48 Hr Approvals

💵 Free Next-Day Funding

Customer tapping a smartphone on a mobile payment terminal with Visa, Mastercard, Discover, American Express, Apple Pay, Google Pay, Affirm, Klarna and Afterpay accepted through KJ ProWeb payment processing

2.69%

Per in-person swipe, dip, or tap (Pay-As-You-Go)

Free

Next-day funding on weekday batches

24 Hr

Typical approval for low-risk merchants

E-commerce platforms supported

One Platform, Every Channel

Payanywhere: All-in-One Payment Processing

Payanywhere is an all-in-one payment processing platform developed by North American Bancard that lets businesses accept in-person, mobile, and online payments — all from a single account with unified reporting.

In-Person

Smart terminals, countertop POS, and PIN pads accept EMV chip, swipe, and tap-to-pay at your counter, table, or checkout line.

Mobile

Process on your iPhone or smartphone with Tap to Pay on iPhone — no extra hardware — or a Bluetooth 3-in-1 card reader on the go.

Online

Online invoicing, recurring billing, cards on file, and a virtual terminal, plus gateways that connect to your e-commerce store.

Transparent, No Surprises

Pricing & Fees

Simple Pay-As-You-Go rates, or a custom plan built for high-volume merchants. Every quote is disclosed up front.

Pay-As-You-Go

2.69%

per swiped, dipped, or tapped in-person transaction

3.49% + $0.19

per keyed or online transaction

No long-term contract
Software from $0 to $49.95 per device
Free next-day funding included

Custom & High-Volume

Custom

interchange-plus pricing tailored to your volume

Built for high-volume merchants
Lower effective rates at scale
Note: custom plans may carry early termination fees of $295 or more — all terms disclosed before you sign

Request Custom Pricing

Never Miss a Sale

Accept Every Way Your Customers Want to Pay

Credit Cards

Debit Cards

EMV Chip

NFC Contactless

Apple Pay

Google Pay

Samsung Pay

PIN Debit

EBT

Terminals, POS & Readers

The Payanywhere Hardware Lineup

From a pocket-sized card reader to an 11-inch countertop POS — hardware purchase costs range from $77.95 to $949.95.

Payanywhere smart terminal suite including portable readers, countertop POS, and the Payments Hub mobile and tablet dashboard by KJ ProWeb

Smart Terminals & POS Systems

Payanywhere Smart Terminal — all-in-one countertop processing
Smart Flex — dual-screen terminal for staff and customer
Smart PINPad Pro — secure PIN debit and EMV acceptance
Payanywhere Core — 11-inch countertop POS for retail & restaurants

Mobile & Tap to Pay

Tap to Pay on iPhone — no extra hardware needed
Bluetooth card readers for smartphone and tablet processing

Run Your Whole Business

Key Features & Capabilities

Management & Reporting

The Payments Hub online portal and mobile dashboard track transactions, deposits, chargebacks, inventory, employees, and analytics in one place.

Online & Invoicing

Send online invoices, set up recurring billing, store cards on file, and key in payments through the virtual terminal.

Fast Payouts

Free next-day funding on weekday batches by 10:00 PM EST, or optional same-day funding by 10:30 AM EST.

Sell Online, Your Way

Connects to the Platforms You Already Use

Our payment processing solutions connect with WooCommerce, Shopify, Wix, Magento, Drupal, Squarespace, Shift4Shop, OpenCart, and more — so your online store accepts cards securely without rebuilding your site.

WooCommerce

Shopify

Wix

Magento

Drupal

Squarespace

Shift4Shop

OpenCart

& more

Choose Your Solution

Payment Processing Products & Services

Pick the setup that fits your business and enroll through the secure link. Not sure which fits? Start a free rate review.

Smiling customer handing a credit card to a cashier holding a countertop payment terminal for traditional in-person processing

Traditional Payment Processing

Full-service in-person merchant account for retail, restaurants, and services. Accept chip, swipe, and tap with low Pay-As-You-Go rates and free next-day funding.

NAB MOTO Virtual Terminal

Take mail-order and telephone-order payments from any computer — no hardware required. Ideal for phone sales, B2B, and remote invoicing.

Authorize.net Payment Gateway

The trusted gateway that securely connects your website or virtual terminal to the processor, with fraud tools and recurring billing built in.

Online shopper entering credit card details on a laptop checkout powered by the Authorize.net gateway for Shopify, Wix and Squarespace stores

Authorize.net for eCommerce Sellers

Gateway setup tailored for Shopify, Wix, Squarespace and other online builders — so your store accepts cards securely out of the box.

Learn More & Enroll

PayAnywhere PAX E700 smart POS terminal displaying a restaurant order screen and printing a customer receipt

PayAnywhere Terminal — PAX E700

A powerful all-in-one smart terminal with a large touchscreen and built-in printer for fast, modern countertop checkout.

PAX A920 portable smart terminal with color touchscreen for mobile and tableside payments

PAX A920 Smart Terminal

A sleek, portable Android smart terminal for tableside, line-busting, and on-the-go payments with Wi-Fi and 4G connectivity.

Shop Now

PayAnywhere Mini Smart Terminal used in the Edge cash discount program

Edge Program — Mini Smart Terminal

Offset most or all of your processing costs with a compliant cash-discount model, paired with the compact PayAnywhere Mini Smart Terminal.

Explore the Edge Program

PayAnywhere 3-in-1 Mobile Card Reader

Accept tap, chip, and swipe anywhere from your phone or tablet. Perfect for markets, pop-ups, service calls, and events.

Shop Now

Easy Pay Direct

A merchant-account and gateway solution with load balancing and risk tools — a strong fit for scaling and harder-to-place businesses.

Get Started

Simple, Fast, Guided

From Application to Accepting Payments in 4 Steps

Free Rate Review

We analyze your statement and reveal your true effective rate and savings.

Quick Application

Apply securely in minutes with a few basic business documents.

Smart Setup

We match you to the right terminal, gateway, and program for your business.

Start Getting Paid

Plug in and accept payments in-store, online, and on mobile — fast.

Built on Trust

Security & Compliance You Can Count On

Every account is configured to industry security standards so your customers — and your bank — stay protected.

🔐 PCI-DSS Compliant

🛡️ End-to-End Encryption

🔑 Tokenization

✅ EMV Chip & PIN

🏦 North American Bancard

📊 Chargeback Tools

Real Results

Business Owners Who Stopped Overpaying

★★★★★

"Switched to next-day funding and a smart terminal in days. Cash flow and checkout both got faster."

Marcus T.

Retail Store Owner

★★★★★

"The Authorize.net setup dropped right into our Shopify store. Online sales never skipped a beat."

Danielle R.

E-Commerce Founder

★★★★★

"The Edge program basically erased our processing fees. Wish we'd found KJ ProWeb sooner."

Anthony G.

Restaurant Operator

Ready to Lower Your Rates and Get Paid Faster?

Get a free rate review or enroll today. No obligation, no junk fees — just a clear path to lower-cost, everywhere payments.

Answers for Business Owners

Payment Processing FAQs

The top questions entrepreneurs ask when choosing the best payment processor.

What is Payanywhere payment processing?

Payanywhere is an all-in-one payment processing platform developed by North American Bancard that lets businesses accept in-person, mobile, and online payments with one account — including credit, debit, EMV chip, NFC contactless (Apple Pay, Google Pay, Samsung Pay), PIN debit, and EBT.

How much does Payanywhere credit card processing cost?

The Pay-As-You-Go plan charges 2.69% per swiped, dipped, or tapped in-person transaction and 3.49% plus $0.19 per keyed or online transaction. Software runs from $0 to $49.95 per device, and custom plans are available for high-volume merchants.

How much does Payanywhere hardware cost?

Hardware purchase costs range from $77.95 to $949.95 depending on the device — from mobile card readers to smart terminals and the Payanywhere Core 11-inch countertop POS.

Does Payanywhere offer next-day funding?

Yes. Payanywhere offers free next-day funding for transactions batched by 10:00 PM EST on weekdays, plus optional same-day funding by 10:30 AM EST.

Can I accept payments on my iPhone without extra hardware?

Yes. Payanywhere supports Tap to Pay on iPhone with no extra hardware, plus smartphone processing via Bluetooth card readers.

What smart terminals and POS systems does Payanywhere offer?

The lineup includes the Payanywhere Smart Terminal, the Smart Flex dual-screen terminal, the Smart PINPad Pro, and the Payanywhere Core 11-inch countertop POS, along with PAX terminals such as the A920 and E700.

What is the Payments Hub?

The Payments Hub is Payanywhere's online portal and mobile dashboard for transaction tracking, deposits, chargebacks, inventory, employee management, and analytics.

Does Payanywhere support online invoicing and recurring billing?

Yes. Payanywhere includes online invoicing, recurring billing, cards on file, and a virtual terminal for phone and mail orders.

What is the Authorize.net payment gateway used for?

Authorize.net is a payment gateway that securely connects your website or virtual terminal to the processor. KJ ProWeb sets it up for standard merchants and for e-commerce sellers on platforms such as Shopify, Wix, and Squarespace.

What e-commerce platforms do your gateways connect to?

Our payment processing solutions connect with WooCommerce, Shopify, Wix, Magento, Drupal, Squarespace, Shift4Shop, OpenCart, and more.

What is a NAB MOTO virtual terminal?

A NAB MOTO (Mail Order/Telephone Order) virtual terminal lets you key in card payments taken over the phone or by mail from any computer, with no physical terminal required.

What is the Edge cash-discount program?

The Edge program pairs a Payanywhere Mini Smart Terminal with a compliant cash-discount model that can offset most or all of your processing costs by passing a small adjustment to card-paying customers.

What is interchange-plus pricing?

Interchange-plus charges the card network's wholesale interchange rate plus a fixed, disclosed processor markup. It's the most transparent model and usually the lowest total cost compared with flat-rate or tiered pricing.

How fast can I get approved for a merchant account?

Standard, low-risk businesses are often approved within 24 to 48 hours. High-risk industries may take 3 to 7 business days depending on documentation. KJ ProWeb pre-qualifies applications to speed approval.

Are there long-term contracts or early termination fees?

The Pay-As-You-Go plan has no long-term contract. Custom plans for high-volume merchants may include early termination fees of $295 or more, and all terms are disclosed before you sign.

What payment types can I accept?

You can accept credit cards, debit cards, EMV chip cards, NFC contactless payments (Apple Pay, Google Pay, Samsung Pay), PIN debit, and EBT.

Is my customer payment data secure?

Yes. Transactions run through PCI-DSS compliant gateways with end-to-end encryption and tokenization, so sensitive card data is never stored in plain text on your systems.

Can startups or new businesses get approved?

Yes. New businesses can be approved even without processing history. Underwriting may request additional documentation, and KJ ProWeb matches startups to the best-fit program.

What documents do I need to apply?

Typically a government ID, business license or formation documents, a voided check or bank letter, and recent processing statements if you're switching processors.

How do I get started with KJ ProWeb?

Choose the processing option that fits your business and apply through the secure enrollment link, or request a free rate review. Most low-risk merchants are approved within 24 to 48 hours and can start accepting payments right after.