Accept Payments Anywhere.
Get powerful PayAnywhere hardware with customized YapPay pricing, we’ll beat your current rate. You get the devices you need, and we handle the rest.
Powered by Experience. Designed for Your Bottom Line.
YapPay delivers better rates and powerful hardware solutions built for your business. With nearly five decades of industry experience behind us, you get transparent Interchange Plus pricing - no gimmicks, just real savings.
Transparent, Custom Pricing - Interchange Plus for Every Merchant
At YapPay, we don’t believe in one-size-fits-all pricing. That’s why every merchant gets Interchange Plus rates, the most transparent, competitive pricing model available. Whether you’re processing in person, online, or on the go, you get a rate tailored to your business.
- Customized for Your Business: We analyze your current statement and match or beat your existing rates.
- No Confusing Markups: You pay the true interchange cost + a small, transparent margin.
- No Monthly Minimums: Process at your pace with no pressure or hidden fees.
- Transparent Billing: Every fee is clearly detailed, no surprises, no games.
Available Hardware Options
| Device | Use Case | Payment Types | Features | Connectivity | Purchase Price | Monthly Software |
|---|---|---|---|---|---|---|
3‑in‑1 Bluetooth Reader |
Mobile/On-the-go | Swipe, Chip (EMV), Tap (NFC) | Compact, wireless reader | Bluetooth to phone/tablet | $59.95 | $14.95/mo |
Smart Terminal Mini |
Mobile | Swipe, Chip, Tap | Touchscreen, handheld | Wi-Fi, Optional dock for Ethernet | $299.95 | $14.95/mo |
Smart Terminal |
Countertop/Mobile | Swipe, Chip, Tap, PIN Debit, EBT | Touchscreen, printer, scanner | Wi-Fi, Ethernet, 4G | $349.95 | $14.95/mo |
Keypad |
Retail/Service | PIN Debit | Secure PIN entry | Via Smart Terminal | $249.95 | $14.95/mo |
PINPad Pro |
Retail/Countertop | Chip, Tap, PIN Debit, EBT | External PIN pad with display | Ethernet / USB | $449.95 | $24.95/mo |
Flex Terminal |
Mobile/Retail | All major types | Touchscreen, printer, full mobility | 4G, Wi-Fi, Bluetooth | $549.95 | $24.95/mo |
POS+ Register System |
Full-service POS | Swipe, Chip, Tap, PIN Debit, EBT | 15" screen, customer display, scanner, printer | Ethernet, Wi-Fi | $949.95 | $44.95/mo |
Optional Accessories
| Accessory | Description | Ideal Use Case |
|---|---|---|
| Cash Drawer | Secure lockable cash drawer with coin and bill compartments. | Perfect for countertop terminals or the POS+ system for cash-heavy businesses. |
| Docking Station | Stabilizing and charging dock for the Mini or Terminal. | Ideal for fixed locations that want quick grab-and-go charging. |
| Receipt Printer | External high-speed thermal printer compatible with all terminals. | Retail and restaurant environments with high-volume receipt needs. |
| Barcode Scanner | USB and wireless scanners supporting 1D/2D barcode types. | Essential for retail, inventory tracking, or order fulfillment. |
| Protective Case | Shock-absorbing grip cases available for Mini and Terminal models. | Great for food trucks, service techs, and mobile vendors. |
Tailored Solutions for Every Industry
SaaS Platforms
Offer seamless payments within your app with YapPay’s developer-friendly SDK, transparent interchange-plus rates, and back-end reporting designed for recurring billing, user authentication, and more.
Restaurants & Food Trucks
From countertop terminals to portable Flex devices, process payments fast with integrated tipping, offline mode, and detailed reporting. Interchange Plus means lower costs and better transparency than typical POS flat-rate models.
Retail & Ecommerce
Sync in-store sales with online orders using PayAnywhere’s virtual terminal, mobile POS, and inventory tools. Get rewarded with better margins using true-cost pricing.
Professional Services
Invoicing, card-on-file, and recurring billing made easy - all with interchange-plus clarity. Whether you’re in healthcare, law, or trades, YapPay makes your billing smarter.
🚀 Getting Started with YapPay
Request a quote - We’ll set your personalized interchange‑plus rate.
Choose your hardware - Use the device that fits your business.
Activate and deploy - We ship your hardware with full activation support.
Start processing - PayAnywhere Powered by YapPay with your tailored YapPay rate.
📞 Need Help Choosing?
Frequently Asked Questions
Explore Common Questions
How does YapPay compare to my current credit card processing rates?
YapPay offers the most competitive pricing in the industry and guarantees to beat your current processing rates.
What does it cost to sign up with YapPay?
There’s a one-time $99 application fee that covers onboarding, account setup, and business verification.
Is PCI compliance required, and what does it cost?
Yes, PCI compliance is mandatory to ensure your customers’ payment data is securely encrypted. YapPay charges a $145 annual PCI compliance fee, which is standard across the industry.
What’s the difference between the Edge Program and Interchange Plus?
Edge Program: No processing fees, you keep 100% of your revenue. Your customers cover the fees. Includes a free YapPay POS system.
Interchange Plus: Transparent pricing model with a fixed markup over true interchange rates. Gives you full control and visibility into your processing costs.
Are there monthly fees with YapPay?
Yes. Both plans include a Gateway Fee starting at $14.95/month, which may vary depending on your POS or payment gateway setup.
How much are chargebacks?
Chargeback fee: $25 per occurrence
Dispute assistance: Optional $30 one-time review fee if you request help disputing a chargeback
How long does onboarding take?
YapPay’s onboarding is fast and straightforward:
Application review: Typically 3–5 business days
Post-approval setup: You can be live within an hour, depending on your POS or integration setup
Is POS equipment included with YapPay?
Yes. The Edge Program includes a free YapPay POS system. Interchange Plus users can request custom integration options tailored to their current hardware.
Can YapPay integrate with my current POS, CRM, or SaaS platform?
Absolutely. YapPay integrates with most POS systems, CRMs, and SaaS platforms. Our tech team handles integrations in-house. Any fees are quoted upfront based on complexity, no surprise charges.
What kind of support does YapPay offer?
We provide full merchant support, including:
System setup and integration assistance
Chargeback dispute help
Ongoing technical and account support
How can I contact YapPay?
We’re here to help.
📞 Call: (925) 4-YapPay
📧 Email: [email protected]
Can I keep 100% of my sales revenue?
Yes! With the Edge Program, your customers cover the processing fees, so you keep every dollar you earn.
What if I want more control over processing fees?
The Interchange Plus plan gives you complete transparency. You pay only a fixed markup over wholesale interchange rates.
How fast can I access my funds?
YapPay offers same-day and next-day funding based on when you batch out your transactions. Fast funding helps you maintain healthy cash flow.
Can my business get approved for payment processing?
Most likely, YapPay works with low, medium, and high-risk merchants across many industries. We tailor our approval process to your risk profile and work hard to find the right fit for your business.
Ready to get started?
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