Credit card processing, POS systems, online payments, zero fee programs, and high risk merchant accounts. Whatever your business needs to get paid, Peakwa handles it.
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MERCHANT SERVICES
Most small businesses deal with multiple payment vendors, one for in-store, one for online, another for high risk transactions. Every vendor is a contract, a fee schedule, and a support line to manage.
Peakwa gives you one partner that covers everything from your POS terminal to your online gateway to your merchant account. Simpler, faster, and built around how your business actually works.
With Peakwa's Zero Fee Program, your business pays nothing to process card payments. The processing fee is passed to the customer as a small service charge. You keep every dollar of every sale. Legal in most US states and increasingly expected by customers.
Learn about Zero Fee →Banks and payment processors routinely decline businesses in certain industries, including firearms, cannabis, supplements, travel, and adult services. Peakwa specializes in getting high risk businesses approved and processing. If you have been turned down before, we can help.
Learn about High Risk →Retailers, restaurants, and local service providers seeking flat-rate processing.
E-commerce and subscription-based brands needing secure API payment gateway integration.
Small to mid-sized businesses looking to eliminate transaction fees entirely.
How we compare to standard processors or bank programs.
We do not lock you into hidden monthly statement costs, complex tiered markups, or sudden early termination fees.
Get access to next-day bank account deposits so you receive transaction revenue quickly without delays.
All terminals are EMV, tap-to-pay, and contactless capable, fully equipped with inventory and cloud capabilities.
Get access to professional, U.S.-based payment consultants to resolve transaction hurdles and customize setups.
Merchant services are the tools and accounts that allow a business to accept card payments, whether in person, online, or on mobile. They include the merchant account, the payment gateway or terminal, and the processing agreement that sets your rates.
A zero fee program is the cheapest option for most small businesses because you pay nothing to process. The small service charge is passed to the customer. For businesses that prefer to absorb fees, flat-rate processing with no hidden charges is the next best option.
A high risk merchant account is a processing account for businesses in industries that banks consider elevated risk, including firearms, supplements, adult services, travel, and cannabis. These businesses are often declined by standard processors. Peakwa specializes in getting high risk businesses approved.
Yes. If you have been declined by your bank or another payment processor, we can usually find a solution. Our high risk merchant account service is specifically designed for businesses that have had trouble getting approved.
A merchant account is where your funds are deposited when a card payment is processed. A payment gateway is the technology that authorizes the transaction. Both are required to accept card payments online. Peakwa sets up and manages both.
Every business that accepts card payments uses merchant services, whether they know it or not. The terminal on your counter, the payment page on your website, the account where your funds land after a sale, all of it is part of your merchant services setup. For most small business owners, it is something they set up once and never think about again. That is usually a mistake, because the wrong setup costs money every single month in unnecessary fees and missed opportunities.
Getting merchant services right means choosing the right processing model, the right rates, the right equipment, and the right partner. For most small businesses, that also means understanding what your current setup is actually costing you and whether there is a better option available.
Peakwa is your trusted partner from setup to scaling, ensuring payment systems remain efficient and compliant.
