Free POS if you qualify · Independent Payanywhere Sales Partner
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The X-Ray
Find your leak in 60 seconds.
Answer four quick taps. We estimate where your processing bleeds: rate gaps, dead declines, chargebacks, hardware waste. Then we recommend a path. Illustrative math from industry averages, based on current information only. Not a quote, and not an analysis of your business. Your statement is the truth; this is the flashlight.
Where do you take cards?
Step 1 of 4
Monthly card volume?
Step 2 of 4 · rough is fine
What hurts most right now?
Step 3 of 4
Where should we send your X-Ray report?
Step 4 of 4 · your full breakdown + path recommendation
Indicative only. Not approval, pricing, free hardware, or funding. Free-device path: $49.95 one-time setup + $24.95/mo software (+$8.95/mo cellular) apply; $5/mo basic service and $25/mo minimum discount fees may apply (minimums waived with flat-rate pricing). Equipment and promos only if you qualify. Fit call within 24 to 48 hours. Agreement comes after review. No live e-sign on this page. You can walk if we can’t structure a fit.
Your X-Ray report
$0
Estimated annual leak. Indicative range from industry averages. Your statement is the truth; this is the flashlight.
✓
X-Ray receivedYour report is above. Indicative only.
2
Fit call (24–48h)We confirm channel, volume, eligibility. No hope marketing.
3
Agreement after fitService agreement sent after the call. Not before.
4
Underwriting → ship / activateOn approval: hardware ships or checkout activates. Inovio tagged only if boarded in window and you qualify.
No rate-war pitch. One path for the physical counter, one for the online checkout, each with the tooling that protects it. Tap a card for the full spec.
Path A · Everyday · Tip / Retail
Free Smart Flex if you qualify.
Payanywhere Smart Flex (PAX E600 Mini) for the everyday counter. Free under program guidelines when you qualify. Not everyone gets a free machine, and we say that upfront.
P2PE / Tokenization: card data protected at the edge, smaller PCI surface
Terminal playground
Build your counter.
Tell us the scenario. We’ll configure the setup. What you assemble here is what ships, if you qualify. One free terminal per physical location; $49.95 setup + $24.95/mo software apply on the Flex path.
Smart Flex
Dual screens for you and the customer: built for the everyday counter.
We don’t publish approval rates we can’t prove. Here’s what the program actually is, in numbers we stand behind.
$49.95
One-time setup on the free Flex path. The device itself is free if you qualify. $24.95/mo software (+$8.95/mo cellular); $5/mo basic service and $25/mo minimums may apply. No lease.
90 days
Free Inovio for merchants boarded Sep 15 to Dec 15, 2026, if you qualify.
4 devices
PAX terminals in the family: Mini, Terminal, Flex, POS+. One quiz picks yours.
48h
Fit call within 24 to 48 hours of your X-Ray. A human, not a drip sequence.
No fine print
What other processors bury, we publish.
The industry runs on confusion: “qualified rates” that aren’t, hardware leases dressed as freebies, jargon as a moat. Here’s our position on all of it, in plain English.
Who typically qualifies
US small businesses taking cards in person, online, or both
Steady monthly card volume (the X-Ray bands it in 60 seconds)
Retail, restaurant, services, professional / B2B
New accounts only: existing merchants aren’t eligible for free placement
Okay with a fit call before any agreement. No instant-approval theater
Who we’ll tell to walk
Existing Payanywhere merchants: the program covers new placements only
Seasonal businesses and pay-as-you-go mobile (different program, flat $50 activation)
Anyone expecting guaranteed approval or a locked rate before review
Models outside card acceptance (we’re payments, not a bank)
Program terms, printed plainly: one free terminal per physical location. Equipment must activate within 60 days of approval (first $300+ batch deposited). Online volume over $85k/mo faces enhanced underwriting with extra documentation. Final qualification is determined in underwriting per NAB guidelines.
What is Inovio, plainly?
Inovio is North’s omnichannel payments gateway. Through it, eligible checkouts can use decline recycling, Ethoca/RDR and Order Insight alerts, 3DS2 authentication, and tokenization.
What does MDR mean?
Merchant discount rate: the total percentage a processor takes from each card sale. Your statement shows a “rate”; your effective MDR (total fees ÷ total volume) is the real number. The X-Ray shows the dollars leaking; your effective MDR is total fees ÷ total volume on your statement.
What is decline recycling?
When a card soft-declines (insufficient funds, do-not-honor), the system retries the authorization intelligently instead of letting a good sale die on the first attempt, where supported by the gateway.
What is 3DS2?
3D Secure 2 adds an authentication step to online payments. Properly authenticated transactions may qualify for liability shift on eligible transactions, confirmed in underwriting.
What are Ethoca / RDR and Order Insight?
Ethoca alerts and Rapid Dispute Resolution share transaction data with card issuers. Alerts let you refund a sale before it becomes a chargeback; RDR auto-resolves within issuer rules (the refund amount applies). Order Insight does the same inside Visa’s network.
Is the POS really free?
The Smart Flex device is free under program guidelines if you qualify, confirmed on the fit call and in underwriting. What’s not free: $49.95 one-time setup, $24.95/mo software fee (+$8.95/mo cellular if used), $5/mo basic service fee, and a $25/mo minimum discount fee (minimums waived with flat-rate pricing). No lease, no 48-month asterisk. The fees above are real, so we print them here. If you don’t qualify, we tell you that instead of switching the offer mid-call.
What does PCI compliance cost?
PCI compliance is handled through PCI Plus, automatic on enrollment. Fees start in month 4, $15 to $85/mo depending on tier, and show on your statement.
Real window
Board in window: 90 days free Inovio.
Merchants boarded Sep 15 to Dec 15, 2026 get 90 days of Inovio free if you qualify. This timer is calendar-true. No fake countdown, ever.
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A human, actually
Talk to someone who’s read a statement.
Forms are fine. But money deserves a conversation. Pick your channel. A person answers, not a bot.
Fit call
24 to 48 hours after your X-Ray. Fifteen minutes, your statement on screen, straight answers.
Run the X-Ray. Get your leak number, your path, and a fit call within 48 hours. Free device if you qualify. $49.95 setup + $24.95/mo software apply. Full terms in the No-fine-print section above. Or walk away knowing exactly where you stand. That’s free too.
Smart Terminal MiniPAX A60
Smart TerminalPAX A920 Pro
Smart FlexPAX E600 Mini
Smart POS+PAX E700
