Not every business should be on the same account. The interchange-plus account this site prices is the right answer for a lot of merchants and the wrong one for some — so the alternatives are here too, with what each actually costs you in plain terms.
No obligation to apply · Underwriting sets final pricing · Pcnaid is a referral partner, not the processor
Each one goes to the provider's own application. We are the referral partner on all of them, which is how this site is paid for — and why it is worth saying which one we think fits you rather than pushing the one that pays most.
North American Bancard / CardConnect CoPilot
The account this site prices: the markup is stated up front at 5 basis points plus 5¢ a transaction over interchange, with no monthly, PCI or gateway fee. Qualifying merchants add a free Clover Mini or Flex under the Clover Advantage program — ask for it by name. Underwriting sets your final rate.
Start the applicationNorth American Bancard, with the Edge program
A countertop terminal with free placement for eligible merchants and real-time paperless approval. Priced as a retail program rather than interchange-plus, so the rate published on this site does not apply to it.
Apply for Smart TerminalNorth American Bancard, pay-as-you-go
Tap, dip and swipe from a phone, with no monthly minimum. Suits pop-ups, markets and field sales where volume is irregular and a monthly fee would outweigh the markup. Retail program pricing, not the rate published here.
Apply for MobileNorth American Bancard, key-in payments
Take phone and mail orders from a browser with no hardware at all. Keyed transactions carry card-not-present interchange, which is materially higher for everyone — that is the card networks, not the provider. Retail program pricing.
Apply for Virtual TerminalNorth American Bancard, compliant cash-discount setup
Eliminates most processing cost by passing it to the card-paying customer, with a compliant posted-price setup and free equipment for qualifying merchants. It changes what your customers see at the till, so it is a commercial decision before it is a pricing one.
Apply for EdgeAuthorize.Net, all-in-one
Online payments and invoicing with 900+ shopping-cart integrations, a fraud suite and recurring billing, on a single account. The straightforward choice for a business selling primarily online that wants one provider rather than two.
Apply — all-in-oneAuthorize.Net, added to your existing processor
Already happy with your processor? Add the gateway on its own, keep the merchant account you have, and get tokenization and the developer API without moving your processing. Nothing about your current rate changes.
Apply — gateway onlyOnly the first route is priced by this site. The published 5 basis points plus 5¢ target markup describes the interchange-plus account and does not apply to the retail programs or the gateway products — those have their own pricing, set by the provider. Anyone telling you one rate covers all of them is not reading their own paperwork.
Neither of these is an application route of its own — both attach to the merchant account above, which is why they are not in the list. They are here because deciding between the routes is easier once you know they exist.
A fixed-cost advance repaid automatically as a share of daily card volume. Offers come from the funding provider and are never guaranteed — and the page says plainly when a bank line is the cheaper money.
Paper checks, eChecks and bank payments converted electronically, screened before settlement, and deposited beside your card volume. Built for the invoice business where a percentage fee on four figures is real money.
The short version, without making you read all seven again.
Interchange-plus. It is the only one of these where you can see what the processor is making.
PayAnywhere Mobile. No monthly minimum means a quiet month costs you nothing to hold the account.
Authorize.Net all-in-one, gateway and merchant account together.
The Edge cash-discount program — provided you are comfortable changing what customers see at the till.
Call (682) 292-8094 or email Support@pcnaid.com. Our front line is an AI voice agent that triages and routes — we do not claim a human picks up.
Processing partner
Hardware partner
Your merchant account is held with North (North American Bancard) or CardConnect CoPilot, and their acquiring sponsor bank moves your money. Pcnaid is an independent referral partner — we submit your application at the markup we publish and the processor decides it. We are not the processor, the bank, or an agent authorised to speak for either. The Clover Official Partner badge is displayed under our reseller agreement with Clover; Clover, North and Payanywhere are their owners’ trademarks, not ours.
Every application above is free to submit, and approval and final pricing are decided by the provider’s underwriting rather than by us.
Applying carries no obligation. Underwriting, approval and final rates are determined by the processor.
Not sure this is the right account? See every way to apply →