Accept Every Payment.
Anywhere You Do Business.
Pcnaid Inc. delivers modern merchant processing for ambitious businesses — in‑store, online, mobile, and ATM. Fast approvals, transparent pricing, and the hardware your customers expect.
Built on the industry's most trusted rails
We bring you enterprise‑grade processing through direct partnerships with the leaders in payments.
One partner for every way money moves
From the front counter to the checkout page, we handle the payments so you can focus on the business.
Card Processing
Accept credit, debit, EBT, and contactless wallets like Apple Pay® and Google Pay® — in person and online — with competitive interchange‑plus pricing.
Smart POS Systems
Clover® and PayAnywhere® devices that ring sales, manage inventory, track employees, and run loyalty — all from one cloud dashboard.
Online Gateway
The Authorize.Net® platform with 900+ integrations — invoicing, recurring billing, tokenization, and a developer‑friendly API.
Fraud Protection
The Advanced Fraud Detection Suite (AFDS) screens every transaction with 13 configurable filters to stop costly chargebacks.
ACH & eCheck
Lower‑cost bank payments over the ACH network with TeleCheck® acceptance — faster deposits and reduced fraud exposure.
ATM Processing
Turn foot traffic into revenue with ATM placement and processing — a simple add‑on that pays you on every withdrawal.
Partnered with the brands that move payments
Every major payment type, accepted
Card, mobile wallet, EBT, fleet, fuel, ACH, and crypto — we support how your customers want to pay.
The complete Clover® family
Whether you run a food truck, a boutique, or a full‑service restaurant, there's a Clover device built for the way you sell — and qualifying merchants can get one placed for free.
Turn your floor space into an income stream
Place a cash ATM or a Bitcoin ATM at your business — Pcnaid handles installation, processing, and cash management so you keep the revenue without the hassle. From $10/mo + $0.15 per transaction, with free placement available for qualifying locations.
Earned the credentials that matter
Pcnaid is recognized by the industry and certified by the platforms that power modern commerce.
2026 CRN Tech Elite 250 Winner
Recognized by CRN among the elite IT solution providers in North America for top-tier technology certifications and managed services.
View listing on CRN →
Apple Payment Services Provider
Certified Apple Pay Integrator and Tap‑to‑Pay on iPhone partner — bring contactless mobile acceptance to your customers natively.
See custom integrations →Certified Developer Partner
Official developer with Clover, Fiserv, Google, Shopify, and CardConnect — we build the custom integrations other agents can't.
Explore developer services →Featured across the industry
Merchants love working with us
Real talk from the businesses we help get paid every day.
Payments for every channel
A complete toolkit to take payments in person, online, on the go, and in between — backed by world‑class processing partners.
Ring sales anywhere, fast
Swipe, dip, or tap — credit, debit, EBT and NFC wallets. End‑to‑end encryption and tokenization keep every transaction secure.
Sell on the web with Authorize.Net®
The payment platform most trusted by small business — 20+ years of innovation, 900+ integrations, and 24×7 award‑winning support.
Digital Invoicing
Email branded invoices; customers pay from any device. Get paid faster.
Customer Info Manager
Securely store cards on file for one‑click repeat checkout (CIM).
Recurring Billing
Automate subscriptions & usage charges with Account Updater.
Simple Checkout
Add "Buy Now" & "Donate" buttons to any site — no full store needed.
Sell online, your way
Open a storefront on Shopify, plug payments into a custom site, or run a marketplace — your eCommerce is powered by Authorize.Net, the new Clover POS Shopify integration, and CardPointe by CardConnect. Inventory, checkout, and back‑office stay in sync.
Cash & crypto on premise
Generate passive revenue with a Pcnaid‑placed ATM, or attract a new customer base with a Bitcoin ATM. We handle the equipment, installation, cash management, processing and compliance.
Beyond the card
eCheck & ACH
Accept bank payments over the ACH network — lower cost, faster than paper, with reduced fraud and bounced‑check risk.
Check Acceptance
TeleCheck® electronic check acceptance turns risky paper checks into guaranteed, streamlined deposits.
ATM Placement
Add an ATM to your location and earn surcharge revenue while keeping cash in your store. We handle setup & processing.
Cash Discount / Edge
Offset processing fees with a compliant cash‑discount program that can bring your effective rate close to zero.
Virtual Terminal
Key in phone, mail, and remote orders from any browser with the Payments Hub virtual terminal — no hardware required.
Online Ordering
Branded web ordering and eCommerce — let customers buy from your site or order ahead for pickup and delivery.
No Contract Lock‑In
Month‑to‑month service with no long‑term contracts. Cancel any time — no penalties, no surprises.
ETF Reimbursement
Switching from another processor? We'll reimburse your early‑termination fee up to program limits.
Interchange Optimization
We monitor your processing to qualify transactions at the lowest possible interchange tier — automatically.
Buy Now, Pay Later
Native integration with Affirm, Klarna, and Afterpay — boost average order value with installment checkout.
Delivery Services
DoorDash, Uber Eats, Postmates & Instacart integrations — manage orders from your Clover dashboard.
eCheck Acceptance
ACH/eCheck integration on every channel — countertop, online, virtual terminal & recurring billing.
Point‑of‑sale, built to sell
From pocket‑sized readers to dual‑screen stations. Ask about free placement on qualifying Clover Flex & Mini devices.
Smart terminals & POS systems
Clover Flex Gen 3
Free placement available*The fastest, most mobile all‑in‑one. Built‑in printer, scanner & LTE.
Clover Mini 3
Free placement available*A reliable terminal and full POS in one sleek 8" countertop unit.
Clover Go
Free app + readerTurn your phone into a POS. Accept cards, contactless, cash & checks.
Clover Station Solo
Ask for pricingA high‑performance register for busy retail and restaurants.
Clover Station Duo
Ask for pricingCustomer‑facing 2nd screen for loyalty, tips, rewards & faster checkout.
Not sure which?
Free consultationTell us about your business and we'll match you with the right setup.
Smart terminals with the Edge program
PayAnywhere Smart Terminal
Edge program eligibleAll‑in‑one countertop terminal with built‑in reporting and the Edge cash‑discount program.
Smart Flex Mini (E600)
Edge program eligibleA compact, portable smart terminal for businesses on the move.
3‑in‑1 Mobile Reader
Pay‑as‑you‑goTap, dip, and swipe from your phone or tablet — perfect for pop‑ups and field sales.
Standalone & through‑the‑wall units
Earn passive revenue with a Pcnaid‑placed ATM, or attract crypto‑savvy customers with a Bitcoin ATM. Free placement available for qualifying merchants.
Free‑Standing Cash ATM
From $10/mo + $0.15/txPlug‑and‑play freestanding ATM with EMV, ADA‑compliant keypad & built‑in receipt printer.
Through‑The‑Wall ATM
Custom quoteHigher‑capacity ATM mounted into the building exterior — ideal for 24/7 access locations.
Bitcoin ATM
Revenue‑share availableBuy & sell BTC, ETH, USDT and USDC in cash, with KYC/AML compliant transactions.
Transparent pricing,
no surprises
Choose the model that fits how you sell. Every plan includes free setup support and a no‑obligation rate review.
Interchange‑Plus
Best for growing & high‑volume merchants
0.015% + $0.05 / tx*
- Fully transparent wholesale rates
- Volume discounts as you scale
- Next‑day funding available
- Level II / III data support
Edge — Cash Discount
Eliminate most of your processing fees
- Compliant cash‑discount signage & setup
- Free Smart Terminal placement
- Real‑time onboarding in minutes
- Keep nearly 100% of every sale
Flat‑Rate
Simple & predictable for new businesses
2.94% + $0.10 / tx
- One easy rate on every transaction
- No long‑term contract required
- Online, mobile & in‑person
- Perfect for startups & low volume
ATM & Bitcoin ATM
Pay yourself with your foot traffic
+ $0.15 / tx
- ATM Installation included
- Maintenance & on‑site service
- Cash management & armored loading
- Real‑time reporting & remote monitoring
- Bitcoin ATM (BTC/ETH/USDT/USDC) available
Free ATM Placement
For qualifying high‑traffic locations
+ Revenue share
- Pcnaid‑owned ATM at zero cost
- We handle equipment & processing
- Cash management included
- Earn a share of every surcharge
- No equipment or installation fee
Online Storefront
Authorize.Net · Clover ↔ Shopify · CardPointe
$25 /mo
- Hosted checkout & tokenization
- Shopify ↔ Clover unified inventory
- 900+ shopping‑cart integrations
- Recurring billing & CIM card‑on‑file
- Custom build via CardPointe (CardConnect)
*Final rates depend on business type, processing volume, ticket size, and program. The "as low as" 0.015% + $0.05 Interchange‑Plus rate is for qualifying high‑volume merchants on an IP connection with $30,000+ in monthly gross volume; standard tiers apply otherwise. *Effective cost depends on your average ticket, volume, and how customers choose to pay. The cash‑discount program passes a service fee to customers who pay by card; customers paying with cash receive a discount. Final pricing is provided in your merchant agreement after a free rate review.
One API.
Every payment rail.
Built by Pcnaid.
Pcnaid isn't only a merchant sales partner — we're a certified developer partner with Clover, Fiserv, Apple, Google, Shopify, and CardConnect. If your business needs an integration, dashboard, or checkout flow that an off‑the‑shelf processor can't deliver, we build it.
Direct partner with the platforms that matter
We don't resell — we integrate. Every logo below is a platform we hold a current developer relationship with.
Custom integrations, end to end
Clover App Market Builds
Publish or privately deploy custom Clover apps for inventory, loyalty, kitchen display, kiosks, and back‑office automation.
Apple Pay & Tap‑to‑Pay on iPhone
Certified Apple Payment Services Provider. We integrate Apple Pay JS, in‑app, and Tap‑to‑Pay on iPhone for native iOS acceptance.
Shopify ↔ Clover Sync
The new Clover POS Shopify integration — unify your online store, register, and inventory in real time.
CardPointe & CardConnect
Hosted iframe checkout, P2PE encryption, vault tokenization, and recurring billing built on the CardConnect platform.
Compliance‑First Architecture
PCI‑DSS scoped integrations, KYC/AML for crypto/ATM, EMV‑certified flows, and SOC‑aligned engineering.
White‑Label & SaaS Builds
Need to embed payments in your own product? We build white‑label gateways, marketplaces, and ISO partner platforms.
Apply online in minutes
Pick the program that fits your business and start a secure, paperless application directly with our processing partners — approvals in as little as 3–5 minutes.
Choose your application
These open a secure sign‑up hosted by our partners. Not sure which? Use the contact form below and we'll guide you.
PayAnywhere Smart Terminal
North / NAB · with Edge program- Free terminal placement eligible
- Cash‑discount Edge program
- Real‑time paperless approval
PayAnywhere Mobile 3‑in‑1
North / NAB · pay‑as‑you‑go- Tap, dip & swipe from your phone
- Great for pop‑ups & field sales
- No monthly minimums
Payments Hub Virtual Terminal
North / NAB · key‑in payments- Accept phone & mail orders
- No hardware required
- Browser‑based dashboard
Authorize.Net Gateway
All‑in‑one merchant + gateway- Online payments & invoicing
- 900+ shopping‑cart integrations
- Fraud suite & recurring billing
Authorize.Net — Gateway Only
Already have a processor?- Add a gateway to existing processing
- Tokenization & developer API
- Keep your current merchant account
Edge Discount — Smart Terminal
North / NAB · near‑zero fees- Eliminate most processing costs
- Compliant cash‑discount setup
- Free equipment for qualifying merchants
Not sure where to start?
Tell us a little about your business and we'll recommend the best setup and pricing — no pressure, no obligation.
Pcnaid Inc.
Business consulting & payment solutions for ambitious businesses.
Mansfield, TX 76063
Mon–Fri 9am–6pm CT · We typically respond within one business day.
Questions, answered
Most merchants are approved in as little as 3–5 minutes through our partners' fully paperless, real‑time onboarding. Some accounts may require a brief secondary review.
Yes. Through partner placement programs, qualifying merchants can receive a free Clover Flex, Clover Mini, or PayAnywhere Smart Terminal in exchange for processing with us. Eligibility depends on your processing volume and program.
The Edge program lets you offset most or all of your card‑processing fees by applying a small, compliant service fee to card payments while offering cash‑paying customers a discount. We provide the required signage and setup to keep you compliant.
Not necessarily. You can add an online gateway (Authorize.Net) to your existing processor, add ACH/eCheck or ATM services, or move everything to us — whatever makes sense for your goals.
Absolutely. All solutions use end‑to‑end encryption, tokenization, and EMV chip security, and are built to support PCI‑DSS compliance. The Advanced Fraud Detection Suite adds 13 configurable filters on top.