Payanywhere
Payment processing software
Retail POS systems
Payment software
POS software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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Completely free
Free TrialFree version
Small
Medium
Large
- Retail and wholesale
- Accommodation and food services
- Arts, entertainment, and recreation
What is Payanywhere
Payanywhere is a payment processing and point-of-sale solution for small and midsize merchants that need to accept card-present and mobile payments. It provides merchant accounts, card readers, and POS software for retail and service use cases, with options for countertop and mobile checkout. The product is positioned around bundled payments + POS, with hardware and processing managed through the same provider.
Integrated payments and POS
Payanywhere combines payment processing with POS functionality, which can reduce the need to integrate separate systems. Merchants can run checkout and manage transactions within one provider’s ecosystem. This approach is typically simpler to deploy for small businesses than assembling multiple tools.
Hardware for in-person acceptance
The offering includes card-present acceptance options such as mobile readers and countertop devices, supporting in-store and on-the-go checkout. This is useful for retailers, pop-up sellers, and service businesses that take payments away from a fixed register. Having provider-supported hardware can reduce compatibility and support issues compared with bring-your-own devices.
Merchant account and support model
Payanywhere operates as a merchant services provider model, which can include underwriting and account support aligned to card processing requirements. This can be a fit for businesses that prefer a traditional merchant account relationship rather than a purely software-led payments product. It also supports common payment operations such as refunds and transaction reporting through its tools.
Pricing can be complex
Merchant services pricing often varies by business profile, card mix, and contract terms, which can make total cost harder to predict than flat-rate alternatives. Fees may include processing rates plus additional charges (for example, monthly, PCI, or equipment-related fees) depending on the agreement. Buyers typically need to review the full schedule of fees and contract terms to compare accurately.
POS depth varies by industry
While Payanywhere covers core checkout, some businesses may require deeper vertical features (for example, advanced inventory, complex promotions, or multi-location controls) than a general POS provides. Companies with specialized workflows may need add-ons or third-party systems. Fit can depend heavily on the specific POS module selected and hardware configuration.
Ecosystem and integrations limits
Compared with broader commerce platforms, the available third-party integrations and extensibility may be more limited, which can affect CRM, marketing, or back-office connectivity. If a business relies on a specific accounting, ecommerce, or customer engagement stack, integration availability should be validated early. Data portability and API access can also be a consideration for scaling teams.
Plan & Pricing
Payments Hub (tiered subscription plans)
| Plan | Price | Key features & notes |
|---|---|---|
| Free | $0 / month | Basic Payments Hub features; merchants are offered a free Payments Hub option and may be enrolled in a 60-day free trial of Payments Hub subscription services upon acceptance. cite |
| Premium | $14.95 / month | Upgraded Payments Hub feature set; visible in Payments Hub settings (can change/downgrade in Payments Hub). cite |
| Premium Plus | $29.95 / month | Adds additional Payments Hub capabilities (Payments Hub Premium Plus plan effective July 1, 2023); certain features such as Payment Links are included with this plan. cite |
Usage-based (payment processing) — pay-as-you-go
Pricing model: Pay-as-you-go (transaction-based rates)
Rates (official site):
- Swiped, Dip, or Tap (in-person): 2.69% per transaction. cite
- Keyed (card-not-present/virtual terminal): 3.49% + $0.19 per transaction. cite
- Invoices and recurring payments: 3.49% + $0.19 per transaction. cite
Other processing notes:
- Inactivity fee: $3.99/month if no transaction is processed for 12 months (charged beginning the 13th month of inactivity). cite
- Custom pricing: Available for higher-volume or negotiated contracts; contact sales. cite
Hardware & device software fees (official site disclosures)
- Many devices are offered as "Free placement" or can be purchased; device pricing and placement options vary by model. (Official device pages show "Free placement" as an option). cite
- Example (officially listed): Smart PINPad Pro — Free placement or purchase for $449.95; $49.95 one-time setup fee; $29.95/month per-device software fee. cite
- Compare Hardware page shows device monthly software fees across models (examples: $19.95/mo, $29.95/mo, $49.95/mo depending on model). cite
Additional notes
- Virtual Terminal / Payments Hub online features follow the same keyed/invoice rate (3.49% + $0.19). cite
- Payment Links functionality is included with Payments Hub Premium Plus (processing rates still apply). cite
Seller details
North American Bancard Holdings, LLC
Troy, Michigan, United States
2009
Private
https://payanywhere.com/
https://x.com/payanywhere
https://www.linkedin.com/company/payanywhere
