Internet
Accept all credit cards over the Internet with "real-time" processing. 
Mail/Phone Order
Take orders by mail or phone and hand enter them into the terminal. 
Retail Businesses
Accept all credit cards face-to-face at the point-of-sale (POS). 
Rates and Fees
Low rates. Nothing hidden. That's the Pays.com Account difference!

Our unbelievably low merchant account rates and value-added services including free online merchant office and free web hosting are REAL. Compare and you will find our service provides the best value available anywhere. Unlike our competitors, we will not raise the rates and fees a month from now or a year from now. The only time they may change is when Visa or MasterCard change the Interchange rate. PLUS, you can host your Web site with us for free as long as you keep your merchant account active with Pays.com. 
 Click here to apply your merchant account online >>


Rate for Retail Merchants:  as low as 2.49% + $0.20
Rate for Internet Merchants: as low as 3.90% + $0.39

Merchant Account Rates and Fees
Web Hosting FREE
SSL Secure Server FREE
Merchant Account Application Fee FREE
Merchant Account Annual Fee FREE
Internet Credit Card Processing Software with Web Terminal FREE
Software to Take Checks with Web Terminal FREE
Shopping Cart Programs FREE
Programming Help FREE
Shipping and Handling Fees FREE
Approval Time Same Day
Merchant Customer Support Line (Toll Free) 24 x 7
Credit Restrictions Not an Issue
Account Setup Fee (if approved) $95 (one time)
Internet / Mail / Telephone Order Discount Rate 2.39%
Internet / Mail / Telephone Order Transaction Fee 25 cents
Statement Fee (online e-statement) FREE
Online Merchant Office FREE
Customer Support $10 per month
Internet Credit Card Processing Gateway Fee $25 per month
Click here to apply your merchant account online >>
Your merchant account can be approved on the same day your application is submitted. Once your merchant account is approved, you can host your Web site on our server for free. Click here for more info with web hosting...