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Meet BANKFUL
Formerly, Pinwheel™, the most affordable, feature-rich payment gateway in the industry.

bankful payment gateway

Accept All Forms of Payment

Visa, Mastercard, American Express & Discover Card

eCheck Plus (online checks), Google Pay©, Apple Pay©, Cryptocurrencies & Stablecoin

Pinwheel payment gateway and Bankful gateway

Bankful’s full-featured payment gateway offers its merchants a robust suite of electronic payment capture tools and management solutions.

  • Accept all major credit cards and debit cards
  • Google Pay© & Apple Pay©
  • Checks-by-Web and Pay-by-bank account debit (Plaid©)
  • Set up customers on recurring subscription billing; weekly, monthly, and quarterly.
  • Cryptocurrency with instant conversion to fiat currency
  • Automated fraud detection tools
  • …And much more!

 

Same Day or 24 Hour Approvals & Activations
Start selling CBD, Delta 8/D9, THC-P, THC-v, Isolates & More on any platform

Transaction processing as been simplified. Bankful™ integrates seamlessly into the most popular website builders in the industry; Shopify, Square, Wix, WooCommerce, and many more.

 

bankful checkout page
bankful checkout page
Pinwheel™ (now, Bankful) can be found on Shopify’s list of supported gateways for the United States to provide a seamless checkout experience.

No more redirects
on Shopify

Reduce shopping cart abandonment

With Bankful’s one-click checkout feature, you can minimize the number of customers who leave their shopping carts before completing their purchase.

Bankful’s new in-cart solution. Watch your conversions soar with our native integration.

Streamline your subscription business

Increase cash flow with our easy-to-use recurring payment service that integrates into Shopify, WooCommerce and many more.

Sign up subscribers today!

  • Fully synchronize products from your e-commerce platform with a push of a button.
  • Setup subscription rules — whether it be weekly, monthly, quarterly or annually — and associate them with specific products.
  • Manage product variants and track the success of your campaigns.
 
*International (non-USA merchants) are gladly accepted.

The Pinwheel Gateway seamlessly integrates into websites hosted by Wix.com.

One of the most important features of the Pinwheel gateway is its ability to run across more than one platform.

Pinwheel integrates seamlessly into websites built with WordPress plus WooCommerce and any eCommerce store app used on a WordPress website.
 
 Pinwheel Standard Plan Pricing.
  • No application fee
  • No setup fee.
  • $0/monthly recurring fee to stores selling a minimum of 50.00 USD in products or services.*
  • .10¢ per transaction plus 0.6% of gross monthly credit card processing revenue.
     
 
Pricing with Full disclosure 
  • If a merchant does $50.00 or more in monthly processing volume there are no monthly recurring fees.
  • $0.10 cents per transaction (flat fee). 
  • No other cost. That $0.10 cent fee covers all payment types and methods; Credit Card Acceptance, eCheck Plus, Email/SMS Invoicing, and Recurring Subscription Billing.
  • No application fee / No setup fee. 
Pricing with Full disclosure 
  • If a merchant does $50.00 or more in monthly processing volume there are no monthly recurring fees.
  • $0.10 cents per transaction (flat fee). 
  • No other cost. That $0.10 cent fee covers all payment types and methods; Credit Card Acceptance, eCheck Plus, Email/SMS Invoicing, and Recurring Subscription Billing.
  • No application fee / No setup fee. 

 

Pricing with Full disclosure 
  • If a merchant does $50.00 or more in monthly processing volume there are no monthly recurring fees.
  • $0.10 cents per transaction (flat fee). 
  • No other cost. That $0.10 cent fee covers all payment types and methods; Credit Card Acceptance, eCheck Plus, Email/SMS Invoicing, and Recurring Subscription Billing.
  • No application fee / No setup fee. 
Pricing with Full disclosure 
  • If a merchant does $50.00 or more in monthly processing volume there are no monthly recurring fees.
  • $0.10 cents per transaction (flat fee). 
  • No other cost. That $0.10 cent fee covers all payment types and methods; Credit Card Acceptance, eCheck Plus, Email/SMS Invoicing, and Recurring Subscription Billing.
  • No application fee / No setup fee. 
Pinwheel seamlessly integrates into Weebly!
 
Pricing with Full disclosure 
  • If a merchant does $50.00 or more in monthly processing volume there are no monthly recurring fees.
  • $0.10 cents per transaction (flat fee). 
  • No other cost. That $0.10 cent fee covers all payment types and methods; Credit Card Acceptance, eCheck Plus, Email/SMS Invoicing, and Recurring Subscription Billing.
  • No application fee / No setup fee. 
Pricing with Full disclosure 
  • If a merchant does $50.00 or more in monthly processing volume there are no monthly recurring fees.
  • $0.10 cents per transaction (flat fee). 
  • No other cost. That $0.10 cent fee covers all payment types and methods; Credit Card Acceptance, eCheck Plus, Email/SMS Invoicing, and Recurring Subscription Billing.
  • No application fee / No setup fee. 

BANKFUL© helps thousands of merchants overcome barriers to success.

There are thousands of online businesses selling products and services that traditional payment processors do not accept.

For example, merchants selling; adult toys, debt collection or credit repair services, future event seminars, network marketing (MLM) opportunities, and certain types of plant extracts and nutraceutical often have difficulty accepting credit cards online.

In these circumstances an online seller must have a payment gateway to serve as the bridge between the website hosting company and a payment processor.

What Is a Payment Gateway?

A payment gateway is the bridge or interface between your website shopping cart (online store) and a merchant account.

The payment gateway captures an online shopper's sensitive credit card, debit card or banking details, encrypts that information and transmits it to a Merchant Services Provider.

Problems Solved by Pinwheel

If you apply for payment processing through Authorize.Net or NMI, your payment gateway is supplied by one of those two entities, but the merchant account piece will be handed off to one of the gateways’ processing partners.

This is where online sellers often run into barriers to success. Online sellers can end up with a payment gateway but no credit card processing. Pinwheel is the solution to both problems.

Were You Banned & Restricted by Paypal, Stripe or Square?
Your Solution is Bankful

PayPal, Stripe, and Square do not offer credit card processing to merchants in restricted or prohibited industry sectors.

For example, Square’s banned items list explicitly prohibits subscription offers. PayPal’s list of prohibited uses effectively bans common headshop items under the paraphernalia header.

Stripe’s blacklist of banned products and services specifically lists adult toys as restricted from using their services.

Standard Plan

$0.10 cents per transaction on credit cards & debit cards plus
0.6% fee on gross monthly processing volume.
$ 0
00 Monthly Fee
  • Major Credit Cards & Debit Cards (with seamless integration into over 30 popular website builders).
  • Automatically comes with Google Pay© & Apple Pay©
  • Includes a Built-In Virtual Terminal
  • No Sign-up Fee
  • No Application Fee
Sign Up Now

Success Plan

$0.10 cents per transaction on credit cards & debit cards plus 0.6% fee on all Pinwheel Gateway processing volume.
Crypto Volume: 1.50%
Crypto per Transaction: $0.06 cents
Check Volume: 2.00%
SMS Text per transaction: $0.10 cents
$ 20
00 Monthly Fee
  • Credit Card Acceptance
  • Visa & MasterCard Debit Card Acceptance
  • Google Pay© & Apple Pay©
  • Pay-by-Bank: Buyer Login (Plaid©)
  • Checks-by-Web
  • eCheck Plus©
  • SMS Text Invoicing & Email Invoicing
  • Built-In Virtual Terminal
  • Recurring Subscription Billing (Weekly, Monthly or Quarterly)
  • Cryptocurrency & Stablecoin
Sign Up Now
Popular

Accept payments via check directly through your website.

Your customer will simply input their bank account information for payment. Pinwheel then creates a physical check* and deposits it on your behalf into the bank account on file.

eCheck Plus speeds up the process of getting money in the bank compared to traditional credit card transactions which can sometimes take up to 3 days for settlement of funds

With eChecks, merchants are able to utilize the ACH network to remove funds for their products and services directly from their customer’s banking account

Get paid on a wide variety of checks, including personal checks, business checks, government, traveler’s, cashier’s certified and even money orders. 

Pinwheel payment gateway and Bankful gateway
No additional cost to accept echecks. Simply, add Echecks Plus as a payment option through your merchant dashboard.

Deposit time for eChecks

  • National bank accounts: we deposit next business day. Please allow further time for your banking institution to clear the funds.
  • Non-national bank account: we deposit via Priority Mail on the next business day, which can take up to 3 business days to arrive at your bank. Then please allow further time for your banking institution to clear the funds.

Processing rates vary by region and industry type. If you are only interested in processing checks or cryptocurrency,check out our Alternative Payment Methods or contact a member of our Sales Team for more information.

Disclosures
  • If a merchant does $50.00 or more in monthly processing volume there are no monthly recurring fees.
  • No application fee / No setup fee.
  • No long term contract obligation required: Enjoy a month-to-month service agreement.

    • Same Day or 24 Hour Activation of Service

    Sign Up Now