Merchant Services

Accounts Built for the Long Game

Choose an individual contract. Select the equipment that fits your business. Join a network built to grow with you — and with the generations that follow.

Now Onboarding Merchants: We are onboarding entrepreneurs and merchants for API account addresses to sell across our platforms. Member billpay and additional account services will be added at a later time. Peacemaker is a revenue-sharing business — 33% of profits are invested directly back into the community through scholarships, grants, and business sustainability incentives. Member participation builds the fund.

Merchant Accounts

Find Your Merchant Type

Each account type is built around your volume, your business, and the equipment that serves you best.

Artists & Pop-Up Producers

Looking for the Founding Member Package?

Artist and Pop-Up merchant services are part of the Founding Membership — $50/month, first month free.

View Founding Member Tiers

Merchant Processing without Membership — see below.

Free equipment for qualifying merchants

Merchant Free Equipment Non-Members

$15,000+ / month

Merchants processing $15,000 or more per month qualify for complimentary equipment placement. Keep your capital working in your business — we provide the hardware.

What's Included

  • Individual merchant contract terms
  • No contracts — month-to-month flexibility
  • Easy yearly PCI compliance phone call
  • Free equipment placement at qualifying volume
  • Preferred interchange-plus pricing
  • Same-day funding available
  • Dedicated account manager
  • Cross-brand Peacemaker benefits
  • Quarterly business review
  • Priority support line

Rate Structure

Cash discount processing3.5% + $0.25 per transaction

Equipment Options

Countertop TerminalComplimentary placement

Classic wired terminal for brick-and-mortar retail. Fast, reliable, and built to last.

Wireless TerminalComplimentary placement

Full mobility for tableside, curbside, or market payments. No cords, no limits.

Mobile Card ReaderUp to 2 units

Compact reader for secondary locations or staff on the floor.

PayBright Gateway — Virtual Terminal, Online Payments & B2BIncluded

Manage virtual-terminal transactions, secure online payments, invoicing, and B2B payment workflows from one gateway.

PAX A90 Pro — Smart Mobile TerminalAvailable hardware option

Portable smart terminal for secure in-person payments, with EMV chip, NFC tap, and magnetic-stripe acceptance.

Complete POS for high-volume operations

Premier Merchant without Membership

Full POS — Multi-location

Full point-of-sale systems for restaurants, retail stores, and multi-location operations. Custom rate negotiation, white-glove onboarding, and founding neobank member status.

What's Included

  • Individual merchant contract terms
  • No contracts — month-to-month flexibility
  • Easy yearly PCI compliance phone call
  • Full POS system installation & configuration
  • Multi-location support
  • API & integration access
  • Founding neobank member status
  • Unlimited equipment units
  • White-glove onboarding
  • Annual strategic planning session

Rate Structure

Cash discount processing3.5% + $0.25 per transaction

Equipment Options

Full POS SystemCustom configuration

Complete point-of-sale with touchscreen, receipt printer, cash drawer, and inventory integration.

Countertop TerminalQuantity as needed

Additional terminals for high-traffic checkout lanes or secondary service points.

Kiosk SystemAvailable add-on

Self-service payment kiosk for high-traffic environments and unattended transactions.

Wireless TerminalIncluded for restaurants

Tableside or curbside payment for full-service restaurants and hospitality.

PayBright Gateway — Virtual Terminal, Online Payments & B2BIncluded

Manage virtual-terminal transactions, secure online payments, invoicing, and B2B payment workflows from one gateway.

PAX A90 Pro — Smart Mobile TerminalAvailable hardware option

Portable smart terminal for secure in-person payments, with EMV chip, NFC tap, and magnetic-stripe acceptance.

The best retail marketplace platform — built for independent retailers

Retail Stores & Boutiques

Independent Retail, Boutique & Specialty Store

Built for independent boutiques, specialty shops, and retail operators. Peacemaker partners with Material Retail — purpose-built to help independent retailers grow in-store, online, and on marketplace channels. Material Retail SaaS fees are separate from merchant processing and any Peacemaker membership. Schedule a consultation or demo through Peacemaker Finance.

What's Included

  • Individual merchant contract terms
  • No contracts — month-to-month flexibility
  • Easy yearly PCI compliance phone call
  • Merchant service account setup
  • Material Retail POS — preferred platform for independent boutiques; separate SaaS fees apply (demo via Peacemaker)
  • Beautiful iPad POS — checkout, barcode scanners, receipt printers, cash drawers
  • Customer relationship tools — conversational texting, loyalty & rewards, rich profiles
  • Intelligent marketing automations — reach new customers and bring them back
  • Inventory management — stock reports, auditing, snapshots, and purchase orders
  • Ecommerce sync — connect to Shopify and sell on Shoptiques marketplace
  • Multi-channel sales — in-store, Shopify, Shoptiques, Facebook, and Instagram
  • QuickBooks and Google integrations
  • Gateway API access — full developer integration
  • Online account management dashboard
  • Real-time transaction and sales reporting

Rate Structure

Cash discount processing3.5% + $0.25 per transaction

Equipment Options

Material Retail POS — iPad Point-of-SalePreferred POS — demo via Peacemaker

The best POS system on the market for boutiques and independent retailers. Start with an iPad and build your perfect system — barcode scanners, receipt printers, and cash drawers all connect. Schedule a consultation or demo through Peacemaker Finance.

Customer Relationship & Loyalty ToolsMaterial Retail SaaS subscription required

Conversational texting, intelligent marketing automations, loyalty and reward programs, and rich customer profiles with spend insights. Make every customer feel like a VIP.

Inventory Management & Purchase OrdersMaterial Retail SaaS subscription required

Essential inventory tools, advanced stock reports, auditing, snapshots, and purchase order management. Sync inventory across in-store and online channels automatically.

Ecommerce — Shopify Sync & Shoptiques MarketplaceMaterial Retail SaaS subscription required

Sync products, inventory, and orders to Shopify. Start selling immediately on Shoptiques — the turnkey online marketplace for independent retailers. Multi-channel: in-store, Shopify, Shoptiques, Facebook, and Instagram.

Equinox Luxe 6200m — Kiosk & Lane EMV ReaderAvailable add-on

Touchscreen payment terminal for self-checkout, express lanes, and customer kiosks. EMV chip, NFC tap, and MSR swipe. Pairs with Material POS or standalone.

Equinox Luxe 8500i — Countertop TerminalAvailable add-on

High-performance countertop terminal for checkout counters and service desks. EMV, NFC, and MSR. Fast throughput for busy retail environments.

PayBright Gateway — Virtual Terminal, Online Payments & B2BIncluded

Manage virtual-terminal transactions, secure online payments, invoicing, and B2B payment workflows from one gateway.

PAX A90 Pro — Smart Mobile TerminalAvailable hardware option

Portable smart terminal for secure in-person payments, with EMV chip, NFC tap, and magnetic-stripe acceptance.

The operating system built for the corner-store operator

Grocery & Marketplace Stores

Independent Grocery, Bodega, Carnicería & Marketplace

Built for independent grocery stores, bodegas, carnicerías, marketplace operators, and high-tender retail. Peacemaker partners with Octopos — the POS platform built by a store owner who ran three of these stores for ten years — to deliver one system for checkout, inventory, loyalty, and marketing. Octopos SaaS fees are separate from merchant processing and any Peacemaker membership. Schedule your Octopos demo through Peacemaker Finance.

What's Included

  • Individual merchant contract terms
  • No contracts — month-to-month flexibility
  • Easy yearly PCI compliance phone call
  • Merchant service account setup
  • Octopos POS — preferred grocery & marketplace platform; separate SaaS fees apply (demo via Peacemaker)
  • Scanner-scale integration — weighed produce and fast checkout
  • EBT, WIC, and pin debit — split a single order across multiple tenders
  • AI-powered inventory & auto-reorder — stop running out of top sellers
  • AI invoice & margin alerts — catch vendor price increases before margin is gone
  • Built-in loyalty & rewards — points, VIP tiers, SMS and email campaigns
  • Churn risk alerts — re-engage regulars before you lose them
  • Real-time cost tracking and back-office reporting
  • Octoyard mobile app — receive stock and manage inventory from your phone
  • Gateway API access — full developer integration
  • Online account management dashboard

Rate Structure

Cash discount processing3.5% + $0.25 per transaction

Equipment Options

Octopos POS SystemPreferred POS — demo via Peacemaker

All-in-one point-of-sale built for independent grocery and corner-store operators. Scanner-scale integration, EBT/WIC/pin debit, fast cashier training, multi-lane ready, and never-offline reliability. Built by an operator who ran three stores — for operators like you. Schedule a demo through Peacemaker Finance.

Octoyard Mobile AppOctopos SaaS subscription required

Manage inventory, receive stock, and scan products from your phone. Real-time visibility into what's on the shelf and what needs to be ordered — without leaving the floor.

Equinox Luxe 6200m — Kiosk & Lane EMV ReaderAvailable add-on

Touchscreen payment terminal for self-checkout lanes, customer kiosks, and express checkout. EMV chip, NFC tap, and MSR swipe. Pairs with Octopos or standalone.

Equinox Luxe 8500i — Countertop TerminalAvailable add-on

High-performance countertop terminal for service counters, deli, and marketplace vendor stations. EMV, NFC, and MSR. Fast throughput for high-volume grocery environments.

PayBright Gateway — Virtual Terminal, Online Payments & B2BIncluded

Manage virtual-terminal transactions, secure online payments, invoicing, and B2B payment workflows from one gateway.

PAX A90 Pro — Smart Mobile TerminalAvailable hardware option

Portable smart terminal for secure in-person payments, with EMV chip, NFC tap, and magnetic-stripe acceptance.

Ticketing, streaming, kiosk, and invoicing — one account

Restaurants & Venues

Dining, Events & Live Entertainment

Full-service merchant account for restaurants, bars, music venues, and event spaces. Peacemaker Ticketing handles your event sales and marketing, an onsite self-serve kiosk keeps patron accountability at the door, and Figure POS powers your floor — all connected to online B2B invoicing under one gateway account.

What's Included

  • Individual merchant contract terms
  • No contracts — month-to-month flexibility
  • Easy yearly PCI compliance phone call
  • Merchant service account setup
  • Peacemaker Ticketing — event creation, sales, and promotion
  • Streaming & marketing — live and recorded event distribution
  • Onsite self-serve customer kiosk app — iOS display (device not included)
  • Safer patron accountability at the door
  • Basic EMV terminal add-on selections
  • Figure POS iPad point-of-sale for tableside and counter service — sold separately
  • Figure POS demo scheduling via Peacemaker inquiry form
  • Online B2B invoicing — bill vendors, promoters, and partners
  • Gateway API access — full developer integration
  • Online account management dashboard
  • Real-time transaction and event reporting

Rate Structure

Cash discount processing3.5% + $0.25 per transaction

Equipment Options

Peacemaker Ticketing DashboardIncluded

Create and manage ticketed events, set pricing tiers, track sales, and access post-event settlement reports. Integrated with Peacemaker's marketing and streaming distribution.

Self-Serve Customer Kiosk AppIncluded — iOS device not included

Onsite self-service kiosk for patron check-in, ticket purchase, and order entry. Runs on venue-supplied iOS device. Improves patron accountability and reduces door staff bottlenecks. iOS device not included.

Equinox Luxe 6200m — Kiosk EMV ReaderAvailable add-on

Touchscreen kiosk payment terminal for onsite ticket and order payments. EMV chip, NFC tap, and MSR swipe. Pairs with the self-serve kiosk app.

Equinox Luxe 8500i — Countertop EMV TerminalAvailable add-on

High-performance countertop terminal for bar, box office, and merchandise sales. EMV, NFC, and MSR. Fast throughput for high-volume service windows.

Figure POS — Preferred iOS Point-of-SaleSold separately — demo available

Full-featured iPad POS for tableside ordering, counter service, and bar tabs. Sold separately; schedule a demo through the Peacemaker inquiry form.

Online B2B InvoicingIncluded

Send professional invoices to vendors, promoters, booking agents, and business partners directly from your account dashboard. Track payment status and manage outstanding balances.

PayBright Gateway — Virtual Terminal, Online Payments & B2BIncluded

Manage virtual-terminal transactions, secure online payments, invoicing, and B2B payment workflows from one gateway.

PAX A90 Pro — Smart Mobile TerminalAvailable hardware option

Portable smart terminal for secure in-person payments, with EMV chip, NFC tap, and magnetic-stripe acceptance.

Ticketing, kiosks, and scholarships — powered by your own transactions

Schools

Events, Fundraising & Campus Commerce

Built for K–12 schools, colleges, and student organizations. Run ticketed events, manage registered attendance in school lobbies, and teach club officers real business skills — while every transaction feeds the Peacemaker 33% revenue-share fund that returns as scholarships directly to your organization.

What's Included

  • Individual merchant contract terms
  • No contracts — month-to-month flexibility
  • Easy yearly PCI compliance phone call
  • Merchant service account setup
  • Event Creator Dashboard — build and manage ticketed school events
  • Self-service kiosk app — lobby check-in and registered event attendance
  • iOS device not included — runs on school-supplied iPad or tablet
  • Fundraising revenue-building models for student organizations
  • Business education curriculum for club officers
  • Peacemaker 33% revenue-share — returned as scholarships to your organization
  • Gateway API access — full developer integration
  • Online account management dashboard
  • Real-time transaction and attendance reporting

Rate Structure

Cash discount processing3.5% + $0.25 per transaction

Equipment Options

Event Creator DashboardIncluded

Web-based portal for school administrators and club officers to create events, set ticket tiers, manage registrations, and pull attendance and revenue reports.

Self-Service Kiosk AppIncluded — iOS device not included

Lobby-ready check-in and self-service kiosk application for registered event attendance. Runs on school-supplied iOS device. iOS hardware not included.

Equinox Luxe 6200m — Kiosk EMV ReaderRequired — kiosk payments

Touchscreen kiosk payment terminal for onsite ticket sales and event check-in. EMV chip, NFC tap, and MSR swipe. Pairs with the kiosk app at the door or in the lobby.

Equinox Luxe 8500i — Countertop TerminalAvailable add-on

High-performance countertop terminal for concession stands, school stores, and lobby retail. EMV, NFC, and MSR. Fast throughput for high-traffic school events.

Peacemaker 33% Scholarship Revenue-ShareAutomatic — no application required

33% of Peacemaker Finance profits generated by your organization's transactions are returned directly as scholarships to your school or student organization. Every swipe builds the fund.

PayBright Gateway — Virtual Terminal, Online Payments & B2BIncluded

Manage virtual-terminal transactions, secure online payments, invoicing, and B2B payment workflows from one gateway.

PAX A90 Pro — Smart Mobile TerminalAvailable hardware option

Portable smart terminal for secure in-person payments, with EMV chip, NFC tap, and magnetic-stripe acceptance.

Box office, kiosk, and concessions — one merchant account

Theatres

Event-based — Ticketing & Concessions

Prioritize Peacemaker Tickets, your NFP revenue builder, as the main product in this category. This full-service merchant account supports performing arts venues, community theatres, and event spaces with online ticket sales, kiosk check-in, and dedicated concessions payments under one gateway and account dashboard.

What's Included

  • Individual merchant contract terms
  • No contracts — month-to-month flexibility
  • Easy yearly PCI compliance phone call
  • Merchant service account setup
  • Organizer dashboard — event management & reporting
  • Online ticket sales marketed by Peacemaker Finance
  • Onsite kiosk check-in app — iOS display interface
  • Ticket scanning & patron check-in at the door
  • Gateway API access — full developer integration
  • Online account management dashboard
  • Real-time transaction reporting
  • Recurring & subscription billing support
  • Member community access
  • 33% community reinvestment fund participation

Rate Structure

Cash discount processing3.5% + $0.25 per transaction

Equipment Options

Equinox Luxe 6200m — Kiosk Check-In TerminalRequired — kiosk check-in

iOS-compatible touchscreen kiosk terminal for onsite ticket scanning and patron check-in. Required for door management and event access control. EMV chip, NFC tap, and MSR swipe.

Equinox Luxe 8500i — Countertop Concessions TerminalAvailable add-on — concessions

High-performance countertop payment terminal for concessions stands and lobby retail. EMV, NFC, and MSR. Fast throughput for high-volume intermission sales.

Organizer DashboardIncluded

Web-based event organizer portal. Create and manage events, track ticket sales, monitor real-time attendance, and pull post-event settlement reports.

Online Account Management DashboardIncluded

Full gateway account portal for transaction history, batch management, dispute tracking, and API credential management.

PayBright Gateway — Virtual Terminal, Online Payments & B2BIncluded

Manage virtual-terminal transactions, secure online payments, invoicing, and B2B payment workflows from one gateway.

PAX A90 Pro — Smart Mobile TerminalAvailable hardware option

Portable smart terminal for secure in-person payments, with EMV chip, NFC tap, and magnetic-stripe acceptance.

Ready to Choose Your Package?

Submit your application and our team will reach out to finalize your merchant account and equipment selection.