Merchant & Payment Processing Solutions

The PayKings team has merchant account solutions for small businesses or large corporations. Our gateway services give you access to information regarding your merchant account including: Individual transactions and batch totals with comprehensive reporting tools. PayKings’ end-to-end solution offers flexible products and services that enable merchants to accept nearly all types of electronic payments including: Major credit cards: MasterCard®, VISA®, American Express®, Discover®, Diners Club International®, and signature debit cards Gift and loyalty cards.

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E-Commerce Credit Card Processing.

As experts in online payment processing, we’ll get your business up and running to accept payments with an exceptional e-Commerce solution. Our affordable merchant services and online credit card payment processing seamlessly integrates with your platform to give customers a smooth and secure online buying experience.

PayKings has been at the forefront of the e-Commerce payments industry, helping web-based businesses achieve their sales goals with an emphasis on competitive discount rates, transaction security and white-glove customer service. We understand the unique payment processing requirements of an Internet-based business. When your company has a merchant account with us, you’ll benefit from personalized customer service.

Our merchant accounts are compatible with:

  • All popular shopping carts
  • All major online payment gateways
  • Banks that offer special programs for online merchants
  • All Internet hosting companies
  • All types of products and categories, except those that are prohibited by law or by Visa and MasterCard rules.

Retail & POS sytem card processing.

PayKings retail credit card processing solutions allow merchants to offer flexible methods of payments at the point-of-sale, including major credit cards, debit cards and checks.

  • Improve customer service with advanced credit card processing terminals.
  • Save money with PayKings’ low processing rates and free terminal program.
  • Swipe credit cards securely by implementing PCI compliant payment solutions.

PayKings enables merchants to accept every electronic payment method for your “brick and mortar” business, including MasterCard®, Visa®, American Express®, Discover® and JCB®, Pin Based Debit Cards, Electronic Checks and Gift Cards.

You will have access to real-time reporting features, chargeback/refund management tools, easy statement access, POS equipment options, equipment leases, and free terminal solutions* and more.

Mobile and wireless processing.

Mobile and tablet credit card processing is one of the fastest growing and easiest ways to accept credit cards. Generally, all that is needed to accept a mobile credit card purchase is a compatible mobile device, a credit card reader to swipe credit cards and a payment processing account with PayKings.

Smartphones and tablets are transforming the in-store shopping experience. Mobile credit card processing is the next step in that transformation. Retailers are working to replace standard registers with mobile payment processing units in an effort to provide better customer service and complete transactions for their customers quickly.

3D Secure - Visa and Mastercard program.


The majority of 3D Secure verified transactions qualify at a lower rate than they would, getting as close to card present as possible. Taking advantage of 3D Secure will therefore open up profit margins for your e-Commerce portfolio.


When a user disputes a charge, liability falls to the card issuer, without impacting a merchant’s chargeback ratio. And merchants would not be charged anything in the event of a chargeback occurring.


Merchants can use an open API, SDK or plug-ins for integrating the technology into their existing checkout flow. Integration can take up to a few hours and it’s a seamless straightforward process.

Cash advance services.

PayKings has teamed up with RapidAdvance to offer business owners access to financing that’s quick and seamless. With a variety of working capital products available—Small Business Loans, Lines of Credit or Business Cash Advances — you can get the funds you need to purchase inventory, hire employees, or grow your business in any way you see fit.


  • Funding from $5,000 to $1 million
  • Short and simple application process
  • Approval based on overall business performance, not just credit score
  • Approval in just a few hours, access to funds in as fast as one day
  • Low-cost options and terms up to 18 months for qualifying businesses
  • Bridge the gap while waiting for long-term financing approval
  • Business advisors to guide you every step of the way

Recurring billing.

Whether you offer a membership or subscription, PayKings recurring billing optimizes your checkout experience and grows customer retention. PayKings recurring billing gives you the flexibility to customize the intervals when your customers are charged. Set the pricing tiers and schedule that works for your business, whether it’s weekly, monthly, semi-annually, or any other schedule you choose.

Account Updater – With Account Updater, you’ll minimize lost sales and declines when your customers’ credit card information changes or expires. Card details are automatically refreshed, ensuring a seamless experience for both your business and your customers.

Level 2 credit card processing refers to a more detailed transaction designed to support business-to-business (B2B) payment processing. Many businesses and government offices require that their vendors accept detailed transactional information along with the sale. In addition to simplifying the B2B transaction, providing Level 2 data along with the sale allows access to lower interchange rates. Visa/MasterCard recognize that if you as a business are providing all of this extra information, the sale is more likely to be legitimate and less likely to be contested. As such, they’re willing to provide a lower cost for the sale! Processing Level 2 data requires either a standalone credit card terminal, or our payment gateway that’s equipped to handle Level 2 data. Common interchange reductions are around 0.50% lower than typical sales. To qualify for Level 2 data, merchants will be required to append the data fields below with each transaction. Don’t worry, PayKings can configure your gateway to automatically pass this information through with each sale to make things simple:

  • Merchant Name
  • Transaction Amount
  • Tax Amount (Between 0.1% and 31% of the total amount)
  • Transaction Date
  • Customer Code or PO number
  • Merchant Zip Code

Level 3 data takes everything one step further. Most merchants will never have the opportunity to accept Level 3 cards, but if you’re processing in a B2B-heavy industry or if you accept a lot of Government cards, then having Level 3 data acceptance may help reduce your interchange costs even further. Often, Level 3 interchange rates are up to a full 1.00% lower than their standard counterparts! But, in order to gain access to Level 3 data, you’ll be required to input a fair amount of information on each transaction. In addition, only certain gateways can accommodate for Level 3 data. PayKings offers Level 3 support through our payment gateway. To qualify for Level 3 data, merchants will be required to enter all fields required for Level 2, plus the following:

  • Ship-From Zip Code
  • Destination Zip Code
  • Invoice Number
  • Order Number
  • Item Product Code
  • Item Commodity Code
  • Item Description
  • Item Quantity
  • Item Unit of Measure
  • Item Extended Amount
  • Freight Amount
  • Duty Amount

Mail order, telephone order credit card processing.

Direct-marketing response merchants typically struggle to find a stable and long term solution to accept and process credit cards as many banks and underwriters do due to the high chargebacks incurred, card not present (CNP) method of acceptance, and high volume of processing figures on a riskier model. Due to PayKings experience in this field and history in the industry, we understand the direct response industry along with all the factors within it.

PayKings can offer services for direct response merchants of all sizes and categories, marketing with traditional media campaigns, Television, Infomercial, Print Advertising and Internet Marketing.

Including, but not limited to…

  • Novelty Items
  • Electronic Products
  • Nutraceutical & Health Products (natural and herbal supplements)
  • “As Seen on TV” Products
  • Direct Marketing & Direct Response
  • Subscription, Recurring & Continuity Models
  • Inbound Telemarketing

POS credit card systems.

Whether you’re a restaurant, bar, hotel, or retail store, PayKings provides a variety of POS solutions to meet your needs. Our fast, user-friendly POS systems offer a robust feature set designed to meet the needs of virtually any retail store, restaurant, hotel, or bar.

Quick. Easy to use. Easy to install.

The experts at PayKings will have you up and running in just a few days so you can start reaping the benefits:

  • Increase efficiency and reduce complexity by managing guest lists, customer tracking, gift/loyalty card management, & more.
  • Reduce employee theft and labor costs with the integrated labor scheduler and time clock.
  • Dynamic pricing drive sales during off-peak seasons with time-based pricing.
  • Track inventory and reduce theft through detailed inventory reports and integrated purchasing/ordering capabilities.

Ready to Get Started?

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