Accept payments in person, online, on the go, or directly through your software. YapPay brings flexible pricing, powerful payment technology, and real support together in one smarter payment platform.
Accept payments in person, online, on the go, or directly through your software. YapPay brings flexible pricing, powerful payment technology, and real support together in one smarter payment platform.
Smarter Payments. Bigger Profits.
Smarter Payments.
Bigger Profits.
Flexible solutions. Transparent pricing. Powerful technology.
Flexible pricing options built around your business
Text to Pay, QR payments, invoicing, recurring billing, and ACH options
Flexible POS, gateway, and software integration options
Accept payments in person, online, on the go, and through integrated software
Advanced reporting and real-time payment insights
24/7 technical support with YapPay customer service available daily from 8 a.m. to 8 p.m. ET
Choose the Pricing Model That Fits Your Business
Interchange Plus Rates
Transparent pricing built around your business.
Pay the actual card-brand interchange cost plus a clearly defined YapPay markup. Interchange Plus gives you greater visibility into your processing costs and can provide meaningful savings compared with traditional flat-rate pricing.
Benefits
• Transparent pricing structure
• Competitive rates based on your business
• Detailed transaction reporting
• Ideal for growing and higher-volume businesses
• Built to scale as your payment volume grows
EXPLORE INTERCHANGE PLUS
Dual Pricing
Protect your margins with transparent cash and card pricing.
Display cash and card prices clearly while helping reduce or offset eligible card-processing costs. YapPay provides the payment technology and implementation support to help your business offer customers clear payment choices at checkout.
Benefits
• Reduce or offset eligible card-processing costs
• Display cash and card prices transparently
• Encourage lower-cost payment methods
• Available with supported terminals and POS systems
• Setup and implementation support included
EXPLORE DUAL PRICING
More Than Payment Processing. Your Payment Partner.
When you choose YapPay, you're getting more than payment processing. You're gaining a payment technology partner built to help your business accept payments, simplify operations, and grow.
Accept payments in person, online, on the go, and remotely
Connect payment tools with the software and systems your business already uses
Manage transactions, reporting, and payment activity with greater visibility
Access flexible payment technology built to grow with your business
Get real support from a team that's here when you need us
Powering Payment Processing
Our Expertise
Most payment providers are platforms.
YapPay is infrastructure.
That distinction matters.
YapPay brings together modern payment technology, flexible processing infrastructure, and connected payment tools designed around the way businesses operate today. Accept payments in person, online, on the go, or directly through integrated software without building your business around a one-size-fits-all payment system.
Our payment ecosystem is built to support businesses as they grow. Add new locations, expand online, introduce recurring billing, send invoices and payment requests, accept ACH and eChecks, or connect payments directly to supported business software without starting over with a new payment provider.
Whether you operate a traditional business, manage multiple locations, or run a more complex or specialized business model, YapPay helps configure the payment technology and processing infrastructure around your specific needs.
Explore the capabilities below to see how YapPay combines powerful payment technology with real-world simplicity.
Getting Started With YapPay is Easy!
Sign Up
Complete a quick pre-application so we can learn more about your business and payment needs.
Meet Your YapPay Specialist
Connect with a member of our team to review your current setup, business needs, and available payment options.
Build Your Payment Solution
Choose the pricing, payment tools, equipment, and integrations that best fit the way your business operates.
Setup & Integration
Once approved, we'll help configure your payment solution and connect supported terminals, gateways, software, or online payment tools.
Go Live
Start accepting payments with the technology, support, and flexibility to keep your business moving forward.
Sign Up
Complete a quick pre-application so we can learn more about your business and payment needs.
Meet Your YapPay Specialist
Connect with a member of our team to review your current setup, business needs, and available payment options.
Build Your Payment Solution
Choose the pricing, payment tools, equipment, and integrations that best fit the way your business operates.
Setup & Integration
Once approved, we'll help configure your payment solution and connect supported terminals, gateways, software, or online payment tools.
Go Live
Start accepting payments with the technology, support, and flexibility to keep your business moving forward.
Solutions Built for Every Industry
Every business accepts payments differently. Whether you operate a storefront, manage multiple locations, sell online, invoice clients, or run a software platform, YapPay helps you choose the right combination of payment technology, pricing, and support for your business.
⇨ Accept payments in person, online, on the go, or remotely
⇨ Connect with supported POS, gateway, e-commerce, and software platforms
⇨ Add invoicing, payment links, recurring billing, ACH, Text to Pay, QR payments, and more
⇨ Accept payments in person, online, on the go, or remotely
⇨ Connect with supported POS, gateway, e-commerce, and software platforms
⇨ Add invoicing, payment links, recurring billing, ACH, Text to Pay, QR payments, and more
Ready for Payments That Work the Way Your Business Does?
Whether you need better pricing, modern payment tools, new equipment, online checkout, recurring billing, ACH, or integrated payments, YapPay helps you build the right payment solution for your business.
1. Flexible Pricing
2. Modern Payment Tools
3. Connected Technology
Everything You Need to Manage Payments
Everything You Need to Manage Payments.
Connected Payments
Manage payment activity through one connected ecosystem
Accept payments across in-person, online, and remote channels
Connect supported gateways, POS systems, and business software
Simplify payment workflows across your business
Build a payment setup designed around your operations
Fast Onboarding
Streamlined merchant application process
Guided onboarding from the YapPay team
Payment solutions configured around your business
Get approved merchants up and running quickly
Support from application through activation
Invoicing & Payment Links
Create and send digital invoices
Send secure payment links by text or email
Give customers flexible ways to pay remotely
Track payment activity more efficiently
Simplify collections and customer payments
Payment Security
Protect sensitive payment information with modern security technology
Tokenization helps keep card data protected
PCI compliance tools help reduce payment security complexity
Fraud monitoring supports safer transactions
Built around secure payment acceptance
Chargeback Management
Review and manage payment disputes
Upload supporting documentation more efficiently
Track chargeback activity in one place
Respond to eligible disputes through supported tools
Gain greater visibility into dispute activity
Recurring Payments
Automate subscriptions and repeat billing
Create recurring payment schedules
Support memberships and payment plans
Reduce manual payment collection
Manage repeat payments more efficiently
Real-Time Payment Visibility
Monitor payment activity as transactions happen
View transaction and payment status information
Identify payment issues more quickly
Improve operational visibility
Keep a clearer view of payment activity
Reporting & Insights
Review transaction history and payment activity
Access detailed payment reporting
Track payment trends across your business
Simplify reconciliation and financial review
Use payment data to make more informed decisions
More Ways to Get Paid
Accept major credit and debit cards
Support Apple Pay and Google Pay where available
Offer ACH and eCheck payment options
Use Text to Pay and QR payment tools
Accept payments through virtual terminals and mobile solutions
Connected Payments
Manage payment activity through one connected ecosystem
Accept payments across in-person, online, and remote channels
Connect supported gateways, POS systems, and business software
Simplify payment workflows across your business
Build a payment setup designed around your operations
Fast Onboarding
Streamlined merchant application process
Guided onboarding from the YapPay team
Payment solutions configured around your business
Get approved merchants up and running quickly
Support from application through activation
Invoicing & Payment Links
Create and send digital invoices
Send secure payment links by text or email
Give customers flexible ways to pay remotely
Track payment activity more efficiently
Simplify collections and customer payments
Payment Security
Protect sensitive payment information with modern security technology
Tokenization helps keep card data protected
PCI compliance tools help reduce payment security complexity
Fraud monitoring supports safer transactions
Built around secure payment acceptance
Chargeback Management
Review and manage payment disputes
Upload supporting documentation more efficiently
Track chargeback activity in one place
Respond to eligible disputes through supported tools
Gain greater visibility into dispute activity
Recurring Payments
Automate subscriptions and repeat billing
Create recurring payment schedules
Support memberships and payment plans
Reduce manual payment collection
Manage repeat payments more efficiently
Real-Time Payment Visibility
Monitor payment activity as transactions happen
View transaction and payment status information
Identify payment issues more quickly
Improve operational visibility
Keep a clearer view of payment activity
Reporting & Insights
Review transaction history and payment activity
Access detailed payment reporting
Track payment trends across your business
Simplify reconciliation and financial review
Use payment data to make more informed decisions
More Ways to Get Paid
Accept major credit and debit cards
Support Apple Pay and Google Pay where available
Offer ACH and eCheck payment options
Use Text to Pay and QR payment tools
Accept payments through virtual terminals and mobile solutions
Frequently Asked Questions
How does YapPay compare to my current credit card processing rates?
YapPay reviews your current processing setup and pricing to identify opportunities to reduce costs and improve the way your business accepts payments. Our pricing is built around your business, transaction volume, industry, and payment needs rather than a one-size-fits-all flat rate.
What does it cost to sign up with YapPay?
There is no cost to speak with our team or review your current payment setup. Any application, equipment, gateway, software, or account fees that apply to your selected payment solution will be clearly disclosed before activation.
Is PCI compliance required, and what does it cost?
Yes. Businesses that accept card payments are required to maintain PCI compliance. YapPay provides access to PCI compliance tools and support to help simplify the process. Applicable PCI fees vary by payment solution and will be disclosed during onboarding.
What's the difference between Dual Pricing and Interchange Plus?
Dual Pricing allows eligible businesses to clearly display a cash price and a card price, helping reduce or offset eligible card-processing costs.
Interchange Plus uses the actual card-brand interchange cost plus a clearly defined YapPay markup, giving businesses greater transparency and visibility into processing costs.
Our team can help determine which pricing model is the better fit for your business.
What kind of support does YapPay offer?
YapPay provides support throughout setup, implementation, and ongoing payment operations. Merchants have access to 24/7 technical support, with YapPay customer service available daily from 8:00 a.m. to 8:00 p.m. Eastern Time.
Our team can also assist with payment setup, supported integrations, account questions, and chargeback guidance.
Will switching to YapPay disrupt my payments?
Our goal is to make the transition as seamless as possible. When appropriate, payment solutions can be configured and tested before your existing setup is replaced, helping minimize disruption to your business.
The exact transition process depends on your current payment system, equipment, software, and integration requirements.
How can I contact YapPay?
Our team is here to help. Call us at (925) 4-YapPay or email [email protected]. You can also schedule a meeting with a YapPay payment specialist through our website.
What payment methods can I accept with YapPay?
Depending on your payment solution, YapPay can support major credit and debit cards, contactless payments, digital wallets, ACH, eChecks, online checkout, virtual terminal payments, Text to Pay, QR payments, digital invoices, payment links, and recurring payments.
Available payment methods and features may vary based on your business, payment setup, and selected solution.
Where does YapPay offer Credit Card Processing Services?
YapPay supports businesses across the United States and Canada, with additional international payment capabilities available through select payment solutions and partners.
Availability, settlement options, supported currencies, and payment features may vary based on the business location, industry, and selected payment solution.
Are there monthly fees with YapPay?
Monthly fees vary depending on the payment solution, gateway, equipment, software, and features your business uses.
Any applicable monthly fees will be clearly reviewed and disclosed before your account is activated, so you understand the cost of your payment setup before getting started.
How much are chargebacks?
YapPay charges a $25 fee per chargeback. If you would like YapPay's assistance reviewing and preparing a response to a chargeback, optional chargeback assistance is available for an additional $30 per occurrence.
Merchants may also have access to dispute management tools, depending on their payment solution, to review chargeback activity and submit supporting documentation.
How long does onboarding take?
Onboarding time depends on your business type, processing needs, underwriting requirements, and selected payment solution. Many straightforward applications can move through review and approval quickly when all required information is provided.
More complex, specialized, or higher-risk businesses may require additional underwriting and documentation. The YapPay team will help guide you through the process from application to activation.
Is POS equipment included with YapPay?
YapPay offers a variety of supported terminals and POS solutions based on your business needs. Equipment pricing, placement programs, and available hardware options vary by payment solution and account setup.
Our team will help identify the right equipment for the way your business accepts payments and clearly review any applicable costs before activation.
Can YapPay integrate with my current POS, CRM, or SaaS platform?
In many cases, yes. YapPay supports a growing ecosystem of POS systems, payment gateways, e-commerce platforms, CRM tools, and business software.
Available integrations depend on your current platform and selected payment solution. For software companies and SaaS platforms, YapPay can also support API-based and embedded payment integrations where available.
How does YapPay compare to Stripe, Square, or PayPal?
Stripe, Square, and PayPal typically offer standardized flat-rate pricing and self-service payment platforms. YapPay takes a more personalized approach by helping businesses configure payment technology, pricing, equipment, and supported integrations around their specific needs.
For many growing or higher-volume businesses, YapPay's Interchange Plus pricing may also provide meaningful savings compared with traditional flat-rate processing.
What if I want more control over processing fees?
YapPay offers flexible pricing options, including Interchange Plus and Dual Pricing for eligible businesses.
Interchange Plus provides greater transparency into processing costs, while Dual Pricing allows eligible businesses to clearly display cash and card prices to help reduce or offset eligible card-processing costs.
Our team can help determine which pricing model best fits your business.
How fast can I access my funds?
Funding times depend on your payment solution, settlement schedule, banking relationship, and account setup. Next-business-day funding may be available for eligible merchants and supported payment solutions.
Your expected funding schedule will be reviewed during onboarding so you understand when processed funds are typically deposited into your bank account.
Can my business get approved for payment processing?
YapPay supports a broad range of low-, medium-, and high-risk businesses across traditional and specialized industries. From retail, restaurants, and professional services to e-commerce and more complex business models, our expanded payment ecosystem allows us to help businesses that may not fit traditional one-size-fits-all processors.
All accounts are subject to underwriting and approval. Our team will review your industry, processing history, transaction volume, average ticket size, and business model to identify the payment solution and processing relationship best suited for your business.
Ready to Build a Smarter Payment Experience?
Whether you're looking to lower processing costs, add modern payment tools, accept payments in more ways, or connect payments to your business software, YapPay is ready to help.
Ready to get started?
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