PayAnywhere POS System: A Review

PayAnywhere is simple and transparent to use and it’s an ideal option for retail stores that wish to naturally evolve their checkout. PayAnywhere offers two Point of Sale (POS) solutions; one is for Storefront while the other one for Mobile and both have low credit card processing fees.

There are no equipment charges, no setup costs and no hidden charges associated with PayAnywhere and it comes with powerful reports, management app and live support. The many features of PayAnywhere make it a popular choice in POS systems.

What Features You Get?

PayAnywhere offers two options: Storefront and Mobile. Storefront plan (monthly) comes with a tablet to use at store while the mobile feature gives you the freedom to sell anywhere and receive payments from any customer.

Extensive libraries can be created with PayAnywhere which makes it perfect for use in retail stores. Set up libraries of items with modifiers, multiple prices and product images for managing customers and their transactions more easily.

A lot is offered by PayAnywhere in terms of reporting and analytics. You can evaluate employee performance and account activities as well as manage your inventory. With reports, you can see what items were bought by which customer and when the transaction took place to identify best sellers and times that prove to be most productive. Unlimited users can be added to an account, including your staff members with access to all merchant services.

Ease of Use

With the Storefront plan, you’ll get a free ten inch tablet for easy touch transactions at the store’s checkout. With this option, you’ll also receive a built-in card reader and a stand that can be rotated to different angles simplifying the use.

The Mobile option of PayAnywhere is ultimate in ease of usage as payments can be taken anywhere, anytime on the go with robust apps for Android or Apple. The mobile application can be used with multiple staff to receive payments from various locations.


A lot of information can be found on website of PayAnywhere about everything related to payment processing and technical support. If you wish to speak with a customer service agent, the help is divided into customer service, technical support and sales. You can call during business hours or email any time. Both technical support and customer service are also available through live chat.


Merchants who use Storefront option will pay 1.69 percent per qualified swiped transaction, 2.69 percent per non-qualified swiped transaction and 3.69 percent per keyed-in transaction. A basic service fee of USD 12.95 per month must also be paid by Storefront users.

For Mobile option, swiped transactions are 2.60 percent per swipe while keyed transactions are 3.49 percent plus an additional $0.19 per-transaction fee. Mobile option doesn’t have any setup or monthly fees.


PayAnywhere is perfect of any retail store whether small or large. The many features of PayAnywhere can help a business stand out from competitors. To set up PayAnywhere, contact Empire NAB or visit our website


Common Credit Card Fees and How They Can be Avoided

We sure have become fond of our plastics. Multiple studies suggest that about seven in ten Americans have at least one credit card. This means that now our motto is “Charge it”.

However, what we don’t love are those additional charges in the form of sneaky fees associated with credit cards.

It’s annoying to pay for all the extra fees that credit card processing companies charge us with on top of the already hefty interest! Most extra credit card fees are often not revealed and cost us big bucks, if we’re not aware.

Don’t let the plastics get the upper hand on you.  We’ll enunciate some common credit card fees and how you can avoid them.

1. Annual Fees

Each year you may be charged with annual fees which range from $30 to $600 depending on the type of credit card you’re using. The annual fees will be higher if the credit card offers more features.

If you’re not going to take advantage of all the extra features of high fees credit card, you should consider a credit card that doesn’t have extra features. There are many credit cards that don’t charge annual fees, so look for one that best meets your requirements.

2. Balance Transfer Fee

You might wish to transfer the balance from one credit card to another one. It’s is a smart option if you’re transferring a large balance in a credit card that has a high interest rate to the one with a low interest rate. However, you’ll have to pay a balance transfer fee for this transaction.

In certain circumstances, some credit cards don’t charge a balance transfer fee, so look for these kinds of credit cards.

3. Cash Advance Fee

You are smacked with a cash advance fee when you withdraw money from ATM using your credit card. A withdrawal fee of about 3% will be charged on the amount taken and your provider will also start charging interest on the money withdrawn. To avoid the expensive cash advance fee, don’t withdraw money with your credit card.

4. Late Payment Fees

Late payment fees are probably the worst as they result from our own mistakes. If you fail to pay your minimum credit card payment, your credit card provider will charge you a late payment fee. The money you’ll have to pay on late fees is obviously a waste as it can be spent on more important things.

The good news is that late payment fee is easy to avoid: simply pay the bill of your credit card on time. You’ll typically be reminded a few days before your payment is due so don’t miss the date.

5. Foreign Transaction Fee

Foreign transaction fee is charged when a purchase is made in a foreign currency. Not all credit cards charge a foreign transaction fee, but the ones that do, mostly charge 1 to 3 percent of the transaction amount. If you wish to avoid foreign transaction fee, look for a credit card that does not charge this fee.

If you’re searching for cost-effective payment processing solutions, look no further than Empire NAB for complete and secure payment processing solutions for your business. We’ll reveal all the charges associated with credit cards, so you don’t have to worry about paying extra bucks at the end of the month.

Are you A High Risk Merchant?

Generally, the process of acquiring a merchant account is simple and easy. However, in the corporate world, some types of business are considered highly risky. Merchants classified as “high risk” are mostly denied merchant accounts with several processors.

Remember that while one processor may consider you a high risk merchant, another might not put you in the same category. That depends on the leniency and strictness of approval guidelines. We’ll enunciate what exactly is meant by high risk and whether your business falls in this category or not.

Self-Check: Am I a High Risk Merchant?

Usually people don’t like to take risks. So how can you know if payment providers can take a chance with you? How do you tell if you are looking for a high or low risk merchant account?

Do a self-check to see how many factors of high risk merchant are applicable to you.

  • Your company is in the industry with a high chargeback ratio.
  • Your business is new and is yet to develop a reputation for itself.
  • Your company lacks financial stability (i.e. it’s not able to generate stable revenue).
  • You, the owner, do not have a good credit rating.
  • Most of your customers buy in advance and services or products are consumed later (i.e. ticket vendor)

If you have answered yes to more than one item above, you are likely to be classified as a high risk merchant.

What happens if I am at High Risk?

In starting any type of business, it’s important to be capable of processing credit card transactions as it is essential for the survival and growth of business. To process credit cards, you must have a merchant account.

But if you’re classified as a high risk merchant, you must look for a legitimate provider that specializes in high risk account. Most providers oppose or avoid working with high risk businesses completely, so it will be difficult for you to find a provider that’s willing to handle your case.

Can I Turn into a Low Risk Merchant?

As mentioned above, the factors that classify you a high risk merchant are not things that can be changed- for example, the industry your business is in or the way payments are made by customers. That said, there are still some things you can do to reduce the risk.

If you’re a high risk merchant, work on ways to reduce the risk before you contact a provider. Go through your credit score, business model and financial statements.  Take these steps to lower the risk levels:

  • Reduce chargeback risks with fraud prevention techniques.
  • Try to generate stable revenue instead of generating large revenue occasionally.
  • Demonstrate that you’re capable of keeping up with high volumes of trade.

At Empire NAB, we understand that you may be at high risk on paper, but that doesn’t necessarily mean that you’re a high risk merchant. Even if you think you’re at high risk, it is worth checking with us if you can be set up to accept credit card payments. Visit our website now to get started.

How Can You Save Your Money on Credit Card Processing Fees?

How Can You Save Your Money on Credit Card Processing Fees?

If your business accepts credit cards, you’ll always have to pay credit card processing fees. These charges can take an unexpected bite out of your revenue.

There’s no away to eliminate credit card processing fees, but there are certain things you can do to reduce it.

You must be thinking that why not just avoid credit card processing completely, no credit card no processing fees, right? That’s not a wise approach.

Consumers in the United States now prefer credit cards over cash so if you decline to accept credit cards, your business will suffer. What can be done to reduce credit card processing fees? We’ll show you!

1.     Choose the Provider Carefully

Some merchant account providers charge more for the same services while others may advertise a low rate, but actually charge more in hidden charges and provide poor service. So, you must thoroughly research before choosing your provider!

Some questions you should ask before deciding to choose a credit card provider are:

  • What’s the total rate after including all fees?
  • Are there any cancellation fees, services fees, applications fees, statement fees or contracts?
  • Can any of the fees be waived?

2.     Always Swipe

Swiping a credit card is much easier than typing in the information by hand. But do you know that entering card information will cost you more per transaction? The reason is that manually entering the information is risky and there could be a chance of fraudulent transaction. So, always swipe a card instead of manually entering the information as it will cost you less.

3.     Impose Minimum Credit Card Sale

You might have to pay a large processing bill because of too many small transactions. To avoid paying this, set up a minimum spending requirement for credit card sales which will encourage customers to pay with cash for small purchases.

All you have to do is put up a note that says “we accept credit cards, but with a minimum sale of $10 or $20”. This way, you won’t have to pay for smaller transactions that are not brining you significant profit.

4.     Don’t Lease Equipment

The equipment required for processing credit card can be purchased for as little as $200 to $400. But, some salespeople will advise you that leasing is the best option. Don’t fall for this as they’re only misguiding you.

Leasing the equipment normally costs $40 to $70 per month, so you’ll end up paying ten to twenty times the cost of the machine. Always buy the equipment to save yourself from paying extra on leasing.

5.     Negotiate

That’s right; you can always negotiate with credit card providers. For instance, ask if certain fees like the application fee can be waived. Most fees are fixed, but there are often some charges that can be waived depending upon the credit card provider you choose.

If you’re looking for a credit card processing company who’s willing to negotiate with you and help you save thousands of dollars on your credit card processing, contact Empire NAB today or visit our website (

All You Need to Know About Merchant Cash Advance

All You Need to Know About Merchant Cash Advance

If you’re a small business owner, you’re likely no stranger to all the funding difficulties that haunt small businesses. However, now there are many funding options available to support small business owners in stabilizing their business. A merchant cash advance is one such option. Let’s see what merchant cash advance is all about. Continue reading “All You Need to Know About Merchant Cash Advance”