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Shaw Merchant Group
 Merchant Application 
Merchant Application

Select your payment solution and create an account to get started now.

Free Equipment & Software

All PayAnywhere pos equipment is placed for free with no upfront cost. All countertop solutions are set default for the Edge cash discount flat rate service, you can change anytime to traditional rates and comes with a rate guarantee to ensure you get the lowest rates. If you have questions or need help selecting a rate plan, please contact us at 866-695-4244.

Select your payment solution and create an account to get started now.

All PayAnywhere pos equipment is placed for free with no upfront cost. All countertop solutions are set default for the Edge cash discount flat rate service, you can change anytime to traditional rates and comes with a rate guarantee to ensure you get the lowest rates. If you have questions or need help selecting a rate plan, please contact us at 866-695-4244.

Free Payment Processing Equipment

With North American Bancard, small and medium-sized businesses get free, state-of-the-art credit card readers and processing equipment. We offer a variety of payment solutions (wired, wireless, mobile and online) to meet your business needs. Plus, we’ll ship your equipment to you and help you get it up and running, all for no extra charge. Why? Because when your business thrives, so does ours.

Free Desktop Terminals
Free Desktop Terminals

Our free countertop credit card terminals connect over the phone or Internet and provide all you need to accept all the ways to pay.

Free Wireless Terminals
Free Wireless Terminals

For merchants on the move, a wireless credit card reader gives you added flexibility to accept payments without a cord.

Free Mobile Terminals
Free Mobile Terminals

For businesses on the go, our card swipe device turns your smartphone into a credit card terminal to make a sale anywhere.

Online Processing
Online Processing

Perform the same functions as a physical credit card terminal through our secure, web-based terminal options.

Free Countertop Payment Solutions

Free Countertop Solutions

PayAnywhere Smart Terminal

This all-in-one device combines the convenience of a fully equipped terminal with the advanced functionality of the Payanywhere software.

  • A 5" touchscreen with Android software.
  • An EMV chip card, NFC contactless, and magstripe reader.
  • PIN debit.
  • Built-in receipt printer.
  • Front and back cameras for easy barcode scanning.
  • 4G and wifi connectivity.
  • Comes preloaded with the Payanywhere app!
  • Free placement means no upfront cost.

The Payanywhere Smart Terminal is the ideal solution for merchants who want to replace traditional terminal processing and for merchants looking to add a little mobility to their payment acceptance experience. (Product Video)

PA Smart Terminal

This all-in-one device combines the convenience of a fully equipped terminal with the advanced functionality of the Payanywhere software.

  • A 5" touchscreen with Android software.
  • An EMV chip card, NFC contactless, and magstripe reader.
  • PIN debit.
  • Built-in receipt printer.
  • Front and back cameras for easy barcode scanning.
  • 4G and wifi connectivity.
  • Comes preloaded with the Payanywhere app!
  • Free placement means no upfront cost.

The Payanywhere Smart Terminal is the ideal solution for merchants who want to replace traditional terminal processing and for merchants looking to add a little mobility to their payment acceptance experience.

PayAnywhere Smart Keypad

Ease into the smart payments revolution with the Payanywhere Smart Keypad. Merchants can modernize their checkout while accepting all forms of payment including PIN debit and EBT. 

  • A 4" touchscreen with Android software.
  • An EMV chip card, NFC contactless, and magstripe reader.
  • PIN debit.
  • Built-in receipt printer.
  • Wifi and ethernet connectivity
  • Preloaded with the Payanywhere app!
  • Free placement means no upfront cost.

The Payanywhere Smart Keypad is the ideal solution for merchants who don’t want to give up their keypads in exchange for a touchscreen, don’t need an external PIN pad, need ethernet and wifi connectivity, and looking to modernize their payments. (Product Video)

PA Smart Keypad

Ease into the smart payments revolution with the Payanywhere Smart Keypad. Merchants can modernize their checkout while accepting all forms of payment including PIN debit and EBT. 

  • A 4" touchscreen with Android software.
  • An EMV chip card, NFC contactless, and magstripe reader.
  • PIN debit.
  • Built-in receipt printer.
  • Wifi and ethernet connectivity
  • Preloaded with the Payanywhere app!
  • Free placement means no upfront cost.

The Payanywhere Smart Keypad is the ideal solution for merchants who don’t want to give up their keypads in exchange for a touchscreen, don’t need an external PIN pad, need ethernet and wifi connectivity, and looking to modernize their payments.

PA Smart Pin Pad Pro

One for you and one for your customer. Redesign the checkout experience with the Payanywhere Smart PINPad Pro. Separate merchant and customer facing terminals allow for safe social distancing while still ensuring speed and efficiency.

  • A 4” merchant facing touchscreen with Android software.
  • A 2.4" customer facing display.
  • An EMV chip card, NFC contactless, and magstripe reader.
  • PIN debit.
  • Built-in receipt printer.
  • Wifi and ethernet connectivity.
  • Comes preloaded with the Payanywhere app!
  • Free placement means no upfront cost.

The Payanywhere Smart PINPad Pro is the ideal solution for social distancing while still ensuring speed and efficiency. Give you and your customers peace of mind, while still offering full visibility for every transaction.

PayAnywhere Smart Pin Pad Pro

One for you and one for your customer. Redesign the checkout experience with the Payanywhere Smart PINPad Pro. Separate merchant and customer facing terminals allow for safe social distancing while still ensuring speed and efficiency.

  • A 4” merchant facing touchscreen with Android software.
  • A 2.4" customer facing display.
  • An EMV chip card, NFC contactless, and magstripe reader.
  • PIN debit.
  • Built-in receipt printer.
  • Wifi and ethernet connectivity.
  • Comes preloaded with the Payanywhere app!
  • Free placement means no upfront cost.

The Payanywhere Smart PINPad Pro is the ideal solution for social distancing while still ensuring speed and efficiency. Give you and your customers peace of mind, while still offering full visibility for every transaction. (Product Video)

PA Smart Terminal Mini

A truly portable solution. Weighing only 300g, the A60 offers all the advantages of the A-series payment terminals in a featherweight, elegant design. It is paperless, helping reduce your environmental footprint as well as stationery costs.

  • Inbuilt GPS
  • An EMV chip card, NFC contactless, and magstripe reader.
  • Front and back cameras for easy barcode scanning.
  • 5" touch screen
  • Cash drawer connectivity.
  • Built-in thermal printer with 3.14”-wide receipt paper.
  • Multiple accessory ports.
  • 4G and wifi connectivity.
  • Optional Base Station with fast printer & multiple ports
  • Comes preloaded with the Payanywhere app!
  • Free placement means no upfront cost.

The PA PAX A60 Smart Terminal Mini is the ideal solution for a portable credit card reader for a number of businesses, including salons, pay-at-the-table restaurants, coffee shops, and delivery businesses.

PayAnywhere Smart Terminal Mini

A truly portable solution. Weighing only 300g, the A60 offers all the advantages of the A-series payment terminals in a featherweight, elegant design. It is paperless, helping reduce your environmental footprint as well as stationery costs.

  • Inbuilt GPS
  • An EMV chip card, NFC contactless, and magstripe reader.
  • Front and back cameras for easy barcode scanning.
  • 5" touch screen
  • Cash drawer connectivity.
  • Built-in thermal printer with 3.14”-wide receipt paper.
  • Multiple accessory ports.
  • 4G and wifi connectivity.
  • Optional Base Station with fast printer & multiple ports
  • Comes preloaded with the Payanywhere app!
  • Free placement means no upfront cost.

The PA PAX A60 Smart Terminal Mini is the ideal solution for a portable credit card reader for a number of businesses, including salons, pay-at-the-table restaurants, coffee shops, and delivery businesses. (Product Video)

PayAnywhere Smart Flex

It's a little bit terminal and a little bit point of sale!

  • An 8” touchscreen with Android software.
  • An EMV chip card, NFC contactless, and magstripe reader.
  • PIN debit.
  • Built-in receipt printer.
  • A 4.3" customer facing touchscreen.
  • Front and back cameras for easy barcode scanning.
  • Cash drawer connectivity.
  • 4G and wifi connectivity.
  • Handle for easy mobility.
  • Comes preloaded with the Payanywhere app!
  • Free placement means no upfront cost.

The Payanywhere Smart Flex is the ideal solution for merchants who want the flexibility to accept payments anywhere in their stores and enhance their customer experience. (Product Video)

PA Smart Flex

It's a little bit terminal and a little bit point of sale!

  • An 8” touchscreen with Android software.
  • An EMV chip card, NFC contactless, and magstripe reader.
  • PIN debit.
  • Built-in receipt printer.
  • A 4.3" customer facing touchscreen.
  • Front and back cameras for easy barcode scanning.
  • Cash drawer connectivity.
  • 4G and wifi connectivity.
  • Handle for easy mobility.
  • Comes preloaded with the Payanywhere app!
  • Free placement means no upfront cost.

The Payanywhere Smart Flex is the ideal solution for merchants who want the flexibility to accept payments anywhere in their stores and enhance their customer payment experience.

PayAnywhere Smart POS+

Transform your countertop with the space-saving, tablet-based point of sale designed for your storefront.

  • A 12.5” touchscreen with Android software.
  • An EMV chip card, NFC contactless, and magstripe reader.
  • Front and back cameras for easy barcode scanning.
  • A 4.3" customer facing touchscreen.
  • Cash drawer connectivity.
  • Built-in thermal printer with 3.14”-wide receipt paper.
  • Multiple accessory ports.
  • 4G and wifi connectivity.
  • Comes preloaded with the Payanywhere app!
  • Free placement mean no upfront cost!

The Payanywhere Smart POS+ is the ideal solution for merchants who want full POS functionality in a sleek design. (Product Video)

PA Smart POS+

Transform your countertop with the space-saving, tablet-based point of sale designed for your storefront.

  • A 12.5” touchscreen with Android software.
  • An EMV chip card, NFC contactless, and magstripe reader.
  • Front and back cameras for easy barcode scanning.
  • A 4.3" customer facing touchscreen.
  • Cash drawer connectivity.
  • Built-in thermal printer with 3.14”-wide receipt paper.
  • Multiple accessory ports.
  • 4G and wifi connectivity.
  • Comes preloaded with the Payanywhere app!

The Payanywhere Smart POS+ is the ideal solution for merchants who want full POS functionality in a sleek and compact design.

PA PAX E700 Smart POS+

Transform your countertop with the space-saving, tablet-based point of sale designed for your storefront.

  • A 12.5” touchscreen with Android software.
  • An EMV chip card, NFC contactless, and magstripe reader.
  • Front and back cameras for easy barcode scanning.
  • A 4.3" customer facing touchscreen.
  • Cash drawer connectivity.
  • Built-in thermal printer with 3.14”-wide receipt paper.
  • 4G and wifi connectivity.
  • Preloaded with the Payanywhere app!
  • Free placement means no upfront cost.

The Payanywhere Smart POS+ is the ideal solution for merchants who want full POS functionality in a sleek and compact design.

PA PAX A80 Terminal + SP30 Smart Pinpad Pro

One for you and one for your customer. Redesign the checkout experience with the Payanywhere Smart PINPad Pro. Separate merchant and customer facing terminals allow for safe social distancing while still ensuring speed and efficiency.

  • A 4” merchant facing touchscreen with Android software.
  • A 2.4" customer facing display.
  • An EMV chip card, NFC contactless, and magstripe reader.
  • PIN debit.
  • Built-in receipt printer.
  • Wifi and ethernet connectivity.
  • Preloaded with the Payanywhere app!
  • Free placement means no upfront cost.

The Payanywhere Smart PINPad Pro is the ideal solution for social distancing while still ensuring speed and efficiency. Give you and your customers peace of mind, while still offering full visibility for every transaction. 

PA PAX E600 Smart Flex Terminal

It's a little bit terminal and a little bit point of sale!

  • An 8” touchscreen with Android software.
  • An EMV chip card, NFC contactless, and magstripe reader.
  • PIN debit.
  • Built-in receipt printer.
  • A 4.3" customer facing touchscreen.
  • Front and back cameras for easy barcode scanning.
  • Cash drawer connectivity.
  • 4G and wifi connectivity.
  • Preloaded with the Payanywhere app!
  • Free placement means no upfront cost.

The Payanywhere Smart Flex is the ideal solution for merchants who want the flexibility to accept payments anywhere in their stores and enhance their customer payment experience. 

PA PAX A80 Smart Keypad Solo

Ease into the smart payments revolution with the Payanywhere Smart Keypad. Merchants can modernize their checkout while accepting all forms of payment including PIN debit and EBT. 

  • A 4" touchscreen with Android software.
  • An EMV chip card, NFC contactless, and magstripe reader.
  • PIN debit.
  • Built-in receipt printer.
  • Wifi and ethernet connectivity
  • Preloaded with the Payanywhere app!
  • Free placement means no upfront cost.

The Payanywhere Smart Keypad is the ideal solution for merchants who don’t want to give up their keypads in exchange for a touchscreen, don’t need an external PIN pad, need ethernet and wifi connectivity, and looking to modernize their payments.

PA PAX A920 Smart Terminal

This all-in-one device combines the convenience of a fully equipped terminal with the advanced functionality of the Payanywhere software.

  • A 5" touchscreen with Android software.
  • An EMV chip card, NFC contactless, and magstripe reader.
  • PIN debit.
  • Built-in receipt printer.
  • Front and back cameras for easy barcode scanning.
  • 4G and wifi connectivity.
  • Preloaded with the Payanywhere app!
  • Free placement means no upfront cost.

The Payanywhere Smart Terminal is the ideal solution for merchants who want to replace traditional terminal processing and for merchants looking to add a little mobility to their payment acceptance experience.

PA PAX A60 Smart Terminal Mini

A truly portable solution. Weighing only 300g, the A60 offers all the advantages of the A-series payment terminals in a featherweight, elegant design. It is paperless, helping reduce your environmental footprint as well as stationery costs.

  • An EMV chip card, NFC contactless, and magstripe reader.
  • Front and back cameras for easy barcode scanning.
  • 5" touch screen
  • Cash drawer connectivity.
  • Built-in thermal printer with 3.14”-wide receipt paper.
  • 4G and wifi connectivity.
  • Optional Base Station with fast printer & multiple ports.
  • Preloaded with the Payanywhere app!
  • Free placement means no upfront cost.

The PA PAX A60 Smart Terminal Mini is the ideal solution for a portable credit card reader for a number of businesses, including salons, pay-at-the-table restaurants, coffee shops, and delivery businesses.

Applying for a Merchant Account for Small Businesses

If you are a merchant, then you will undoubtedly need a merchant account. Merchant accounts are accounts that your business holds with a payment processor or merchant services provider that give you access to the critical tools that your business needs to succeed and accept payments. Without a merchant account, your business will be unable to complete the most important part of any transaction--the receipt of the funds for the goods or services that were rendered. If you want to get a merchant account for your business, then the first thing you need to know is how to apply for a merchant account and what is involved in the process of the application. This insight will give you the knowledge and information that you need to be successful in the merchant account application process and provide you with a competitive edge when applying for your merchant account.

Information needed for applying for a merchant account

If you’re hoping to have success in the merchant account application process, then one of the first things that you will need to know is about the requirements for applying and gaining approval for a merchant account. There are several pieces of information and documentation that you will need if you’re going to have success in your application. Providing these pieces of documentation and information will greatly increase your chances of being successful, but that’s not all that matters. You will also need to display several traits and factors that prove yourself to be a reliable and trustworthy merchant.
 
Here are the pieces of information that you will need when applying for a merchant account:

  • At least 3 months of bank statements
  • At least 3 months of processing statements, if applicable
  • Valid identification
  • EIN or SSN for the account
  • A functioning website that has information about your business

Before you apply for a merchant account, you should be sure to have each of these pieces of information available and ready to send with your application. The absence of any of these pieces of information could prevent you from getting a merchant account or getting good rates if you are granted a merchant account. This could delay the process and make getting a merchant account take that much longer.

Getting approval for a merchant account: factors explained

When you are applying for a merchant account, one of the most important concepts that you should understand beforehand is that there are a variety of factors that go into your approval or rejection as a merchant for a merchant account. Being familiar with these factors can increase your chances of success when applying for a merchant account because it will enable you to optimize your application and make it much more attractive to the merchant services that you hope to work with. Here are some of the most important factors in getting approved for a merchant services account and why they are considered to be important.

Bank history

The bank history is one of the required pieces of information for your business if you hope to get a merchant services account. The merchant services provider that you apply with will ask for at least documentation of 3 months of bank history. The reason that merchant services providers ask for this information is pretty obvious--they want to ensure that your business is reputable and is in good standing with your bank. Without this verification, they might not be able to establish confidence that you are a trustworthy financial partner to work with. Merchant services companies want to verify that you are a legitimate business with a verifiably good relationship with your banking provider. By verifying this, they can guess that you will be a good partner to them, as well. Always provide the most comprehensive statement information that you can and be sure to not just provide the bare minimum, if possible. Applications will ask for at least 3 months, but if you are comfortable you should supply up to 6 months of statements.

Processing history

Another thing that will factor heavily into the decision that is made regarding your merchant services account status is the processing history documentation that you are able to provide. When you apply for a merchant processing account, the company that you apply with will very likely want to see at least 3 months of processing history. Again, the more information that you can provide, the better. Those that are able to provide up to 6 months of documentation will likely have more success. The reason that merchant services companies request this information is also clear--because they want to know that you will be a good partner to them in your merchant services and credit card processing relationship. Being involved with a company to provide credit card transactions is no small matter, and the companies that you work with want to protect themselves just as much as you do. When you provide this information, they will look into your past success, chargeback ratios, and any concerns that have arisen in your past relationships with processing companies.
 
It is possible that you are not able to provide this information, in the event that you are a new business. Still, you should answer as many questions as they have and provide them with answers to the questions that you are able to such as what your expected volume will be. Going the extra mile to provide this information could certainly be the difference between denial and acceptance for your merchant services account.

Credit score

When evaluating your application for a merchant services account, your merchant services partner will very likely want to see your credit score. This is a piece of information that you will likely not have to provide yourself, as many merchant services companies have a way to check this. Your business credit score will tell the underwriter, the person who approves and denies processing accounts, about your financial history and whether there are any red flags. If there are blips on your credit score, that doesn’t mean that you will not be eligible to get a merchant services account. However, it might mean that there are more hoops to jump through or that you don’t get as good of a processing rate that you were hoping for. The best way to handle a poor credit score as a business is to apply to a merchant services program that approves businesses that are in a similar situation and works with businesses to overcome challenges that they might have struggled with in the past.

Industry

Even though you might not have given much thought to it in the past, one of the most relevant factors in your approval or rejection for a merchant services account is the industry that your business is in. It is very important to consider the industry that your business is in because some businesses are at higher risk than others for chargebacks and fraud. If you are in a very normal and ordinary industry, then you probably don’t need to worry that much about the specifics. However, if you are in a high-risk industry that is known for chargebacks and fraud, then you likely want to start looking at ways to bolster your application and show that you can stand out above the rest as a merchant that will not cost the services provider money in the long run.

How long does it take to get approval for a merchant account?

One of the most common questions that is asked when applying for a merchant services account is how long the process takes. The answer is not so straightforward, as there are dozens of factors that go into the decision-making process of either approving or rejecting a merchant for a merchant account. If nothing goes wrong in the process and the underwriters don’t need any more information, then it’s possible that you receive an answer within 24-48 hours, when working with the right merchant account provider. However, this is not always the case. Oftentimes, your merchant account provider will require additional information including clarification on the business plan, more documentation, or just general questions about your business. You can help to reduce the amount of time that it takes to get approved by being upfront with all of the information that you will need for the application and having it on-hand for clarification if needed.

Be selective in who you choose for a provider

One thing that you should know if you want to get the most out of your merchant account is that merchant processing is a serious business. There is a lot of money at stake, and that is why merchant account providers are so selective in who they approve for a merchant services account. You should be equally as selective when choosing a provider. Make sure that you know what you are looking for in a merchant services provider because they are going to have a large impact on your business and what you are able to achieve with your merchant solutions.

    Shaw Merchant Group is a registered DBA of EPX, a registered ISO of BMO Harris Bank N.A., Chicago, IL, Fresno First Bank, Fresno, CA, and Citizens Bank N.A., Providence, RI.

    © Shaw Merchant Group, LLC.