Accept Payments · Online Payments

Take payments online,
your way.

Built for your e-commerce business and beyond — website checkout, payment links, recurring billing and virtual terminals, powered by NMI, FluidPay, Authorize.net, Valor, Luqra and iPOSPays. Compare gateways, see what each is best for, and settle everything in one NextPay dashboard.

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Shop by gateway Valor FluidPay iPOSPays Authorize.net NMI Luqra Compare

A full unified-commerce gateway — accept online, in-person and on-the-go from one account, with dual pricing, ACH, recurring billing and PayNow links built in. Pairs natively with Valor VL/VP terminals, so even a cardless sale can be pushed to a countertop device for a tap, dip or swipe.

High-riskDual pricingTerminal-linked

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One ecosystem, online to countertop

Valor Connect ties the gateway to the terminal: ring a sale in the virtual terminal and redirect it to a paired Valor device, where the customer taps, dips or swipes — keeping cardless transactions secure and compliant.

Valor Connect — push a virtual-terminal sale to a connected terminal in real time.
Dual Pricing & Cash Discount — show cash vs. card pricing right at checkout.
Virtual terminal + mobile app on iOS and Android, with cart and QuickBooks integrations.
Multi-MID — assign up to 10 unique operator EPIs on a single device.

Three compliant ways to offset processing fees

Dual PricingShow a cash price and a card price side by side on every item, so customers choose at checkout.

SurchargeAdd a compliant fee to credit transactions, automatically capped to the card brands' rules.

Cash DiscountPost card pricing and reward customers who pay with cash — applied right on the terminal.

Valor Connect

Cloud-link the gateway to Valor terminals; redirect cardless sales for an in-hand tap or dip.

Dual Pricing

Built-in cash-discount and surcharge programs surface card vs. cash pricing at the point of sale.

Virtual Terminal

All-in-one gateway, virtual terminal and mobile app with invoicing, recurring and L2/L3 data.

Multi-MID

Up to 10 operator EPIs on one device, with consolidated or per-MID reporting.

ACH & Recurring

Bank-debit ACH, recurring and subscription billing, batch processing and transaction routing.

The Vault

Tokenizes and securely stores card data for fast, PCI-friendly repeat transactions.

Valor Shield

Fraud and chargeback protection that flags unauthorized activity before it hits your bottom line.

Deferred Auth

Keep selling offline — capture payments without internet, then upload and settle in one click.

★ Recommended

Valor Gateway

One-vendor stack across online and in-person, with dual pricing, Valor Connect and Multi-MID built in.

High-riskDual pricingValor ConnectMulti-MID

$10 /mo + 5¢/txn

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A modern, cloud-native gateway built API-first — fast to integrate, with AI fraud detection, tokenization, Level 2/3 B2B data, recurring billing and a mobile virtual terminal. Great for software platforms and subscription businesses.

DevelopersSubscriptionsB2B

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Modern REST API

Developer-first, well-documented API and SDKs for fast, flexible integrations.

AI Fraud Detection

Machine-learning risk scoring flags suspicious transactions in real time.

Recurring Billing

Flexible subscriptions and scheduled payments with tokenized card-on-file.

Level 2/3 Data

Qualifies B2B and B2G payments for lower interchange on commercial cards.

Tokenization & Vault

Securely stores cards as tokens so customer data never touches your servers.

Hosted Payment Pages

Drop-in, brandable checkout pages keep you out of PCI scope.

Mobile Virtual Terminal

Take payments from a phone or tablet — key-in, swipe or send a pay link.

ACH & Surcharge

Bank-debit ACH plus compliant surcharge and dual-pricing support built in.

FluidPay

Developer-friendly gateway with great recurring billing and fraud tooling.

Modern APIRecurringAI fraud

$10 /mo + 5¢/txn

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Dejavoo's cloud payment gateway and terminal-management platform — a virtual terminal, invoicing, pay links, dual pricing, ACH and tokenization (iPOS S.A.F.E), wrapped in a real-time merchant-and-agent dashboard and paired with Dejavoo smart terminals.

Dual pricingInvoicingAgent dashboard

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One dashboard for merchants and agents

iPOSPays gives a real-time view of transaction volume, merchant boarding, portfolio quality and aging — alongside everyday tools like the virtual terminal, invoicing and terminal management.

Live portfolio dashboard — volume, boarding, merchant quality and aging analysis.
Dual pricing, surcharge & cash discount programs for fee offset.
iPOS S.A.F.E tokenization keeps stored cards secure and PCI-friendly.
Terminal management for Dejavoo smart terminals, all from the cloud.

Virtual Terminal

Key in card-not-present sales, refunds and pre-auths from any browser.

Invoicing & Pay Links

Send branded invoices and one-tap payment links by email or text.

Dual Pricing & Surcharge

Cash-discount, surcharge and dual-pricing programs to offset processing fees.

iPOS S.A.F.E

Tokenizes and securely stores cards for repeat and recurring transactions.

Terminal Management

Push settings, updates and apps to Dejavoo smart terminals from the cloud.

Portfolio Dashboard

Real-time volume, boarding, merchant-quality and aging analytics for agents.

Recurring & ACH

Recurring billing plus bank-debit ACH for lower-cost, repeat payments.

Developer Central

APIs and SDKs to embed iPOSPays acceptance into your own apps.

iPOSPays by Dejavoo

Invoicing and virtual terminal with dual pricing and ACH.

Dual pricingInvoicingACH

$6.95 /mo + 5¢/txn

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The most widely supported gateway in eCommerce — connects to almost every website builder, cart and plugin, with invoicing, eCheck ACH, recurring billing and QuickBooks sync. A dependable, universal choice trusted since 1996.

UniversaleCommerceRetail

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Authorize.net publishes two plans

Direct retail

2.9% + 30¢ / transaction

$25/mo · Authorize.net's own published rate

Authorize.net's bundled merchant-account-plus-gateway pricing if you sign up with them directly.

Through NextPay

$12 /mo

+ 5¢ / transaction · 5¢ daily batch

Run Authorize.net on your NextPay merchant account — one bill, one support line, and we match or beat your processing rate.

Authorize.net's published rates — NextPay will review your statement and match or beat your effective rate. Ask us for a custom quote.

Universal Integrations

Connects to nearly every website builder, shopping cart and plugin out of the box.

Customer Information Manager

Stores tokenized customer profiles for fast, PCI-friendly repeat checkout.

Automated Recurring Billing

Set up subscriptions and scheduled payments with flexible intervals.

Fraud Detection Suite

A free, configurable set of filters and rules that screen transactions in real time.

eCheck.Net (ACH)

Accept bank-account payments alongside cards for lower-cost transactions.

Invoicing

Email branded invoices and let customers pay online in a click.

Virtual Terminal

Key in phone and mail orders from any browser — no extra hardware needed.

Sync for QuickBooks

Push transactions into QuickBooks and keep stored cards current with Account Updater.

Authorize.net

Trusted eCommerce gateway that connects to almost every website builder and plugin.

UniversalInvoicingQuickBooks

$12 /mo + 5¢/txn

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Compatible reader

ID Tech VP3350 EMV Reader

Plug-in EMV reader for chip and contactless cards through the Authorize.net virtual terminal — add in-person dips to a keyed / eCommerce account.

$157+ from $25/mo software

The flexible, widely-integrated workhorse gateway — sell online, in-store, mobile and self-service from one account, with recurring billing, ACH and 200+ processor connections. Operating since 2001 and certified across the US, UK and EU.

Pre-orders & recurringUniversalACH

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Trusted at scale — powering payments since 2001

1.2M+Active merchants

6.5B+Annual transactions

200+Payment processors

125+Shopping-cart integrations

Sell Everywhere

Online, in-store, mobile and self-service — EMV and contactless from a single gateway.

Customer Vault

Tokenizes cardholder data so merchants can repeat transactions without storing card numbers.

Recurring Billing

Subscriptions and scheduled payments with the Automatic Card Updater to cut declines.

Electronic Invoicing

Send an invoice in minutes and collect payment in one click, with reminders and tracking.

Level III Advantage

Auto-qualifies B2B and B2G transactions for lower Level II/III interchange rates.

Advanced Fraud Protection

AI-driven, real-time risk screening with customizable rules and Payer Authentication 2.0.

Gateway Emulator

Migrate from another gateway without reworking software — drop-in API compatibility.

Multi-MID & Routing

Manage multiple MIDs on one account with consolidated reporting and smart transaction routing.

NMI Gateway

Flexible, widely-integrated gateway for websites, recurring billing and virtual terminals.

Online gatewayRecurringACH

$10 /mo + 5¢/txn

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Compatible reader

ID Tech VP3350 EMV Reader

Plug-in EMV reader for chip and contactless cards through the NMI virtual terminal — ideal for keyed / MOTO desks that also want to dip cards in person.

$157+ from $25/mo software

A processor-and-gateway built specifically for e-commerce — fast deposits, uncapped processing and “no account holds,” with Shopify and major-cart integrations, 24/7/365 US-based support and transparent rates guaranteed never to increase. Also handles in-person, backed by 20 years of e-commerce experience and an optional financial ERP.

E-commerceIn-personFast funding

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Transparent rates — guaranteed never to increase

In-person

2.0% + 10¢ / transaction

as low as · storefront, restaurant or on-the-go

Smart terminal and POS for frictionless order management at the counter or tableside.

Online & keyed-in

2.3% + 20¢ / transaction

as low as · card-not-present and eCommerce

Fast funding and uncapped processing for online stores and phone orders.

Luqra's published “as low as” rates — NextPay will match or beat your effective rate. No annual fees, no batch fees.

Turbocharged Deposits

Fast funding so your cashflow keeps moving instead of waiting days to settle.

Unlimited Scaling

Uncapped processing volume — grow without hitting a monthly ceiling.

No Account Holds

Qualified merchants avoid the surprise freezes and reserves that stall other processors.

Meet-or-Beat Rates

Luqra price-matches your current provider, then works to beat it.

Fraud & Chargeback Defense

Active fraud prevention, account-takeover protection and dispute management — included.

Real-Time Approvals

In-house underwriters review applications live, so you can start processing sooner.

Dedicated Problem Solver

A named success manager for technical, billing and growth questions — not a ticket queue.

Financial ERP

Optional all-in-one platform for reporting, boarding, underwriting and compliance — built for ISOs and banks.

Luqra

Streamlined gateway for website checkout and subscriptions.

OnlineIn-personFast funding

As low as 2.0% + 10¢

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