Payment processing · POS · custom technology

Payment processing built around your business.

One application for card-present, card-not-present, POS, mobile, B2B, and custom payment workflows. We review the merchant first, then deploy Lifted Pay, LiftedPOS with Lifted POS Connect, Lifted Gateway, an integration, or a system built for the operation.

Start merchant application Explore payment solutions
No application fee Human underwriting Flexible implementation
Two PAXSTORE-approved PayDroid apps Built by Lifted Holdings
Lifted Pay's real application screen displayed inside a black PAX A920 payment terminal.
Lifted Pay · terminal processing
Lifted POS Connect's real ready screen displayed inside a black PAX A920 terminal for LiftedPOS.
Lifted POS Connect · LiftedPOS
Card-present
EMV, contactless, swipe, and keyed
Card-not-present
Virtual terminal, cards on file, and remote flows
Level 2/3 processing
Lower cost on B2B & commercial cards
Cloud POS & terminals
LiftedPOS plus supported PAX deployments
Custom software builds
Bespoke, PCI-aware payment flows
Broad underwriting reach
Low-risk through complex and high-risk categories

One relationship across card-present, card-not-present, ACH, eCheck, POS, gateway, and custom payment technology. All accounts and categories remain subject to underwriting, sponsor-bank rules, card-network rules, and applicable law.

Choose the right path after you apply

Your processing should fit the way you sell.

We start with the merchant account, then match the technology to the business. Use our applications, deploy the complete LiftedPOS system, use Lifted Gateway for card-not-present payments, connect payments to tools you already use, or have us build the missing piece.

01 · Smart terminal Processing + Lifted Pay Take card-present payments on supported PAX hardware with the Lifted Pay application and its merchant portal. We qualify and configure the complete processing deployment. 02 · Complete POS LiftedPOS + Lifted POS Connect Run the register, inventory, staff, and reporting in LiftedPOS while Lifted POS Connect coordinates the payment with a supported PAX terminal. 03 · Card-not-present Lifted Gateway Take remote payments, manage tokenized customers and cards on file, report across activity, and carry Level 2/3 data for eligible commercial cards. 04 · Existing systems Keep your system. Add payments. Already have a POS, provider, or operational platform? We can evaluate a compatible gateway, processor configuration, or integration without forcing a full software replacement. 05 · Custom workflow Build what the business needs. We develop payment applications, integrations, portals, and PCI-aware workflows when an off-the-shelf product cannot support the operation.
Start merchant application
Terminals · POS · card-not-present

Three Lifted products. One processing relationship.

The merchant account comes first. Then we deploy the right parts of our technology suite—or build something new around the business. These are real product workflows captured from the applications and portal we operate.

01 · Smart terminal
Lifted Pay PAXSTORE approved · PayDroid

A complete payment counter in one smart terminal.

We board the merchant, provision supported PAX hardware, and connect Lifted Pay to the Lifted merchant portal. Staff can take a payment, review the result, and see the day without assembling separate software.

  • Card-present sales, cash, tips, receipts, activity, refunds, batches, and on-device reporting
  • Journal-before-send and acknowledged replay protect transaction reporting
  • PAX A920, A920 Pro, and A920 Max deployment options
  1. 01 · EnterKey an amount or start from a connected workflow.
  2. 02 · AcceptHand card interaction to the configured secure payment stack.
  3. 03 · OperateReturn the result, journal it, and keep reporting current.
Explore Lifted Pay
02 · LiftedPOS payment companion
Lifted POS Connect PAXSTORE approved · PayDroid

The payment layer between LiftedPOS and the terminal.

LiftedPOS sends the sale; Lifted POS Connect presents the tender choice, coordinates the card-present handoff on supported PAX hardware, and returns the outcome to the register.

  • Built for LiftedPOS, including register-to-terminal payment coordination
  • Authenticated pairing, credit/debit routing, and idempotent result replay
  • PAX A920, A920 Pro, and A920 Max deployment options
  1. 01 · SendLiftedPOS sends the amount and a unique transaction reference.
  2. 02 · TenderThe terminal routes credit or debit and owns the secure card step.
  3. 03 · ReturnThe result flows back to the register without double-running a retry.
Explore Lifted POS Connect
03 · Card-not-present
Lifted Gateway Card-not-present · Level 2/3

A command center for remote payments and commercial-card data.

Lifted Gateway is our card-not-present product for virtual-terminal charges, customers and cards on file, transaction management, and reporting. For eligible commercial cards, it can carry the Level 2 and Level 3 data needed to pursue interchange optimization.

  • Virtual terminal, tokenized cards on file, refunds, transaction detail, and operational reporting
  • Level 2/3 fields for eligible B2B, purchasing, corporate, and government cards
  • Built to support custom portals, checkout experiences, and payment services
  1. 01 · CollectTake a remote payment or use an approved saved-payment method.
  2. 02 · EnrichAdd the business and line-item data the transaction requires.
  3. 03 · ManageReconcile results, customers, refunds, and reporting in one portal.
Explore Lifted Gateway
Processing is the product. Technology is how we make it fit. Apply once. We will underwrite the merchant, map the payment channels, and recommend Lifted Pay, LiftedPOS with Lifted POS Connect, Lifted Gateway, an outside-system integration, or a custom build.
Start merchant application See custom capabilities
Plug-and-play online payments · Custom commerce

Start with a checkout. Or let us build the whole buying experience.

Lifted Gateway can power a focused online payment path or sit inside a completely custom website, store, portal, or service. We pair the processing account with the right experience, then configure the card-not-present workflow around what the merchant actually sells.

01
Plug-and-play online paymentsLaunch a Lifted-hosted payment surface, virtual terminal, or scoped checkout without rebuilding the rest of the business.
02
Custom websites and checkoutsWe design the storefront, account portal, subscription flow, invoice experience, or purpose-built payment service around the approved merchant setup.
CardBank · eCheckCards on fileLevel 2/3Custom APIs
Start merchant application Scope a custom checkout
Lifted Gateway checkout lab Interactive product preview
Order total$248.00
RIVER STREET SUPPLY
ORDER #LS-2048
Lifted VISA
4242 •••• •••• 4242
CardholderJORDAN RIVER
Valid thru08/28
Jordan River •••
Preview complete.A production checkout would tokenize and submit through the approved merchant configuration.

Interactive mockup · demo data only · nothing is transmitted

End-to-end encryption & tokenization

The card is encrypted before it ever leaves the reader.

Every card is end-to-end encrypted at the terminal and vaulted as a token with Voltage. The real card number never touches your terminal, your portal, your database, or your receipts in the clear — so you keep a SAQ-A posture while still getting the things merchants actually want: cards on file, and refunds after a batch has settled. New to PCI scope? See tokenization & SAQ-A compliance.

  • Encrypted at the reader (E2EE)The card is encrypted inside the PAX secure reader at swipe, dip, or tap. Nothing downstream — app, network, server — ever sees the clear PAN.
  • Vaulted as a token (Voltage)The encrypted card becomes a token in the vault. Card-on-file, repeat charges, and the virtual terminal all run on the token — never a stored card number.
  • Refund after settlement — no card neededBecause the token persists, a settled sale can be refunded to the original card without re-presenting it. Proven on live PAX A920Pro hardware.
Get a rate review How Level 2/3 lowers your rate
One merchant application · a solution built around it

Tell us how your business gets paid.

The application gives underwriting the business and processing details it needs while giving our team the context to recommend the right terminal, POS, gateway, integration, or custom work. Applying does not guarantee approval or commit you to a configuration.

01

Submit the merchant application

Share the business, ownership, banking, and processing information needed for a real underwriting review. Your progress saves as you work.

02

Review the business and workflow

We review the account and how payments fit the operation—countertop, mobile, POS, virtual terminal, existing-provider integration, or something custom.

03

Configure, validate, and launch

After approval and agreement, we board the account, configure the selected solution, validate the complete payment path, and prepare the merchant for launch.

Start with the actual application.

Go directly to the secure, full merchant application. It collects the information needed to evaluate the account and saves progress automatically.

Start merchant application

Merchant accounts are subject to underwriting approval. Hardware, processor, application, and integration availability depend on the qualified setup.

Lifted Gateway · Level 2/3 optimization

Level 2/3 processing that pays for itself on commercial cards.

B2B, corporate, purchasing, and government cards qualify for lower interchange — but only when the transaction carries the extra data the card networks ask for. Our gateway sends that Level 2 and Level 3 data automatically, so commercial transactions settle at their interchange-optimized rate instead of the highest one. See who benefits most in our guide to B2B credit card processing.

  • Automatic Level 2 & Level 3 dataTax amount, customer code, invoice and PO numbers, plus full line-item detail — quantity, unit of measure, commodity codes — appended so commercial cards hit the lower interchange tier.
  • Earnings, portfolio & boarding in one consoleWatch residuals and volume by account, board and manage merchants, and run the whole book from a single reseller console.
  • Lifted routing and operational toolingA Lifted-managed layer for card, ACH, eCheck, merchant operations, and the custom services a deployment needs.
Explore Lifted Gateway Start merchant application
The software agency

When off-the-shelf won't do, we build it.

We don't just resell payments — we engineer them. The Lifted Pay terminal, its Kotlin/Javalin server, and the merchant portal are all our own work. That same team builds for you.

Custom software for payments

Bespoke payments software end to end — smart-terminal apps, gateway and processor integrations, tokenization, and PCI-aware transaction flows. Built by the people who wrote our own money path, invariants and all.

Terminal appsGateway integrationsTokenizationPCI-aware

Web design & integration

Marketing sites and web apps that look the part and convert — then wired to real payment integrations: hosted checkout, cards on file, and custom payment flows built on our gateway APIs, on your Lifted account.

Marketing sitesHosted checkoutCards on fileCustom flows

Custom portals & backends

Merchant portals, operator dashboards, and the Kotlin/Javalin + PostgreSQL backends behind them. We build the real thing — the Lifted Pay portal and server are our own proof it holds up in production.

Merchant portalsOperator dashboardsKotlin/JavalinPostgreSQL
Tell us what you need built See what we shipped for ourselves
Why Lifted Payments

Rates you can read. Rails we control. A partner, not a portal.

Rates you can read.

We quote interchange-plus, so you see the wholesale cost and our markup as separate lines — not one bundled percentage that hides where your money goes. We review your current statement first and show you the real all-in blended rate. If we can't beat it, we'll tell you.

Built on rails we control.

We're a direct reseller on both card and bank rails — card through Lifted Gateway, ACH and eCheck through Lifted bank-transfer services. We set up your boarding, gateway, and reporting under one roof, and route each payment type to the rail that costs the least.

A partner, not a portal.

You get a real point of contact who knows your account — for boarding questions, a terminal that won't activate, a deposit that looks off, or a dispute you need help answering. Reach us at pay@liftedholdings.com and talk to the people who set you up.

Pricing built around the deployment

Two parts of the quote. Both shaped around your business.

We price the processing plan and the technology plan after we understand how you sell, what you already use, and what Lifted needs to deploy.

Your processing rate

Quoted interchange-plus, after one statement.

Tailored to your business — card type, ticket size, volume, and industry all move the number, so an honest quote comes after we see one real statement, not before. What we promise is the shape: wholesale interchange passed through at cost, plus a clear, disclosed markup. Commercial cards optimized with Level 2/3. No junk fees. New to the models? Read interchange-plus vs flat-rate or how to lower your processing fees.

Start merchant application
Your technology plan

Choose the stack. Then price the real deployment.

  • Lifted PayStarts at $15/device/month First user included; additional users $5/month. Optional Verizon cellular is $19.99/device/month.
  • LiftedPOS + Lifted POS ConnectConfigured quote Priced by locations, registers, terminals, and selected capabilities.
  • Lifted GatewayConfigured quote Priced around card-not-present volume, Level 2/3 needs, portal access, and custom workflows.
  • Existing-system integrationScoped to the rail Quoted around the compatible gateway, processing configuration, and integration work.
  • Custom solutionProject or ongoing engagement Development, deployment, and ongoing support are scoped to the operation.
Apply and configure my setup

Processing is subject to underwriting. Lifted Pay starting prices apply only when Lifted Pay is selected. LiftedPOS, Lifted POS Connect, Lifted Gateway, hardware, integration, cellular, custom development, and ongoing support costs vary by deployment. Prices are in USD.

Who it's for

Built for the businesses we actually serve.

Lifted Payments fits merchants who take cards in person, send invoices, bill on a schedule, or need software built around how they actually work.

Retail & shops

Counters, boutiques, and specialty retail. Ring sales on a PAX terminal or Lifted POS, track cost and margin on every item, and manage stock as you sell.

Restaurants & cafés

Quick-service today: fast card, tap, and keyed sales, tips, and printed or texted receipts on a PAX terminal. Full-service table features are on the roadmap — we won't pretend otherwise.

Services & B2B

Trades, clinics, and professional services that bill after the work — and B2B sellers whose commercial-card customers benefit most from Level 2/3. Cards on file today; invoices and deposits on the roadmap.

Software-shaped businesses

Anyone who's outgrown off-the-shelf and needs a custom terminal app, portal, or integration built around their real workflow — on payment rails we operate.

The merchant portal · pay.liftedpayments.com

Your account, in your browser and your pocket.

Sign in to key a card in the virtual terminal, watch volume and margin, reconcile the batch, and manage customers on file — the real portal, running today. These are live screens.

pay.liftedpayments.com/reports
Lifted Pay merchant portal Reports screen: gross, refunds, net volume, tips, average ticket, a net-volume trend chart, and totals by rail and by card brand.
pay.liftedpayments.com/dashboard
Lifted Pay merchant portal Dashboard: today's volume, sales today, this week, open batch, a today-vs-week bar, and the tender mix by rail.
pay.liftedpayments.com/transactions
Lifted Pay merchant portal Transactions ledger: every sale, return, void, and adjustment with method, source rail, customer, status, tip, and net.
Sign in to the portal Don't have an account? Apply
Questions merchants ask

Straight answers on rates, Level 2/3, PCI, and boarding.

How much does credit card processing cost with Lifted Payments?
We quote interchange-plus after reviewing one recent statement: wholesale interchange passed through at cost, plus a clear, disclosed markup — not one bundled percentage. Commercial cards are optimized with Level 2/3. There's no application fee, and nothing is final until you've seen the numbers. If Lifted Pay is selected, it starts at $15/mo per device with the first user included and additional users at $5/mo. LiftedPOS with Lifted POS Connect, existing-system integrations, hardware, cellular, and custom solutions are priced to the configured deployment.
What is Level 2/3 processing and can it lower my rate?
B2B, corporate, purchasing, and government cards qualify for lower interchange when the transaction carries extra data the card networks require — tax amount, customer and invoice codes, and full line-item detail. Our gateway appends that Level 2 and Level 3 data automatically, so eligible commercial cards settle at their interchange-optimized rate instead of the highest tier. See how Level 2/3 works →
Is the Lifted Pay terminal app PAXSTORE-approved for PayDroid?
Yes. PAXSTORE approved Lifted Pay version 0.0.4 for PAX PayDroid on July 27, 2026. Card interaction is handled by the configured payment stack. A merchant rollout still requires supported hardware, processing configuration, boarding, and validation. More on Lifted Pay for PAX →
How does Lifted Payments protect card data (PCI)?
Cards are end-to-end encrypted at the terminal and vaulted as tokens (Voltage). The clear card number never touches merchant systems, which supports a SAQ-A posture. Tokenization is what enables cards on file and refunds after settlement without ever storing a card number in the clear.
Can I refund a sale after the batch has settled?
Yes. Because cards are tokenized at capture, a settled sale can be refunded to the original card using its token — no need to re-present the physical card. This is proven on live PAX A920Pro hardware.
How long does merchant boarding take?
Apply in a few minutes with one recent statement. A real person reviews the business and returns a transparent quote. After approval, Lifted configures the merchant account, terminal, POS, gateway, and reporting path selected for the deployment.
How fast do I get funded?
Most accounts fund next business day on batches closed before the daily cutoff, with ACH and eCheck on their own bank-rail timing. Your exact funding schedule, batch cutoff, and any reserve or holdback are set at underwriting and printed on your approval — no surprise holds after the fact.
Do you build custom payments software?
Yes — Lifted Payments is also a software agency. We build terminal apps, gateway and processor integrations, tokenization, PCI-aware flows, merchant portals, and Kotlin/Javalin + PostgreSQL backends — the same stack we run for our own products. See what we build →
Do I have to switch processors to use Lifted Pay?
Not always. Lifted Pay can be qualified for more than one compatible processing configuration. We review the current setup, hardware, and merchant requirements before recommending whether to retain or change any part of the payment stack.
Start here

Start with the merchant application.

Tell us about the business and the way you need to accept payments. We will review the account and build the processing path around the real operation.

Start merchant application Have questions first? Email us
No application fee — applying costs nothing Honest rate review — we read your statement first Real people — a named contact from boarding onward