Merchant accounts, PAXSTORE-approved terminal software we wrote ourselves, and
custom payment builds — from one team. We read your statement before we quote. If we can't beat
your rate, we'll say so.
Two PAXSTORE-approved PayDroid apps Built by Lifted Holdings
Lifted PayLifted POS Connect
Card-present
EMV, contactless, swipe, and keyed
Card-not-present
Live reporting, tokenized customers, and eligible refunds
Level 2/3 processing
Enriched data on eligible B2B & commercial cards
Cloud POS & terminals
LiftedPOS plus PAX A920, A920 Pro, and A920 Max deployments
Custom software builds
Bespoke, PCI-aware custom 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.
Terminals · POS · card-not-present · custom
Built in-house. Sold as one processing relationship.
The merchant account comes first. Then we deploy the right parts of the technology we
wrote ourselves — or build the missing piece. Choosing or activating hardware? See the
PAX A920 setup guide.
01 · Smart terminal
Lifted PayPAXSTORE approved · PayDroid
A complete payment counter in one smart terminal.
Our PAXSTORE-approved terminal app: catalog selling, inventory, and itemized
receipts on PAX smart terminals.
Payment software developed for your operation when off-the-shelf doesn't fit —
by the team that wrote the three products above, money-path invariants and all.
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 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 scoped or custom Lifted-hosted 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
Preview complete.A production checkout would tokenize and submit through the approved merchant configuration.
Interactive mockup · demo data only · nothing is transmitted
Lifted Gateway · merchant portal
Your account, in your browser and your pocket.
Reports, customer management, and refunds of qualifying
completed transactions are live in the merchant portal today — sign in from any browser, no software
install required. Below: the real refund workflow, run against a settled demo sale.
Saved-card charging is in final release validation.
Actual Lifted Gateway interface · demo data · simulated
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 secure token.
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 cards on file and refunds after a batch
has settled. New to PCI scope? See
tokenization & SAQ-A compliance.
1 · Tap, dip, or swipeCard enters the PAX secure reader and is encrypted on the spot.
2 · Encrypt & tokenizeThe secure vault swaps the encrypted card for a token: tok_9f2c…
3 · Only the token is storedCard-on-file and refund-after-settlement — proven on live PAX A920Pro hardware — all run on the token. The card number is never stored in the clear.
Illustrative. Token shown is an example. E2EE + tokenization support a SAQ-A
scope; your exact PCI validation depends on how you accept cards.
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.
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. No junk
fees. New to the models? Read
interchange-plus vs flat-rate
or how to lower your processing fees.
Have last month's statement? Compute your current
effective rate in about a minute — then send it over and we'll quote against it.
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.
Lifted Gateway · Level 2/3 optimization
Commercial-card data built for current qualification rules.
Lifted Gateway can append configured Level 2 and
Level 3 fields on eligible B2B, corporate, purchasing, and government-card transactions —
automatic enrichment that attaches tax, invoice, and line-item data to eligible commercial
transactions without staff keying. A correctly enriched transaction may qualify for a different
commercial interchange category when every applicable network and acquirer criterion is met; enhanced
data does not guarantee a particular interchange category or savings. The full workflow, current
sources, and qualification criteria live in our
Level 2/3 guide and our guide to
B2B credit card processing.
Illustrative. Actual interchange qualification depends on card type, network
rules, and the data submitted — our gateway attaches the configured data automatically for eligible cards.
Why Lifted Payments
Rates you can read. Rails we control. A partner, not a portal.
Rates you can read.
Interchange-plus quotes: wholesale cost and our markup as separate lines, not one
bundled percentage. We review your current statement first and show the real all-in blended rate. If
we can't beat it, we'll tell you.
Built on rails we control.
A direct reseller on both card and bank rails — card through Lifted Gateway, ACH and
eCheck through Lifted bank-transfer services — with boarding, gateway, and reporting set up under one
roof, and each payment type routed to the rail that costs the least.
A partner, not a portal.
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. Reach us at
pay@liftedholdings.com and talk to the people who set you up.
Free statement review
Send one month's statement. We'll show you your real rate.
We compute your true all-in effective rate from the statement itself and quote our
interchange-plus price against it, line by line. If we can't beat it, we'll tell you. No application,
no obligation.
From our open statement-audit kit · synthetic example data
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. Tokenized customer records and
eligible refunds are live, with 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.
Choose the right path after you apply
Your processing should fit the way you sell.
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.
Have your own processing relationships? Deploy our software on your VAR sheet.
Lifted Pay is partner-agnostic by design. Your residuals and
your merchant relationships stay where they are; Lifted bills for the software.
Pre-board a serial and Lifted Pay activates on
install — boarding, the device portfolio, and software billing run from one Lifted console, so
deployments stay clean without touching your processing.
We don't just resell payments — we engineer them. The Lifted Pay terminal app, its
server, and the merchant portal are all our own work. That same team builds for you.
Custom software for payments
Smart-terminal apps, gateway and processor integrations, tokenization, and PCI-aware
transaction flows — built by the people who wrote our own money path.
Web design & integration
Marketing sites and web apps wired to real payment integrations — hosted checkout,
cards on file, and custom payment flows on your Lifted account.
Custom portals & backends
Merchant portals, operator dashboards, and the backends behind them — the Lifted Pay
portal and server are our own proof it holds up in production.
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?
Lifted Gateway can append configured tax, customer, invoice, PO, and line-item fields on
eligible commercial-card transactions. A correctly enriched transaction may qualify for a different commercial
interchange category when every applicable network and acquirer criterion is met, but enhanced data does not
guarantee a particular interchange category or savings.
See how Level 2/3 works →
Is the Lifted Pay terminal app PAXSTORE-approved for PayDroid?
Yes. PAXSTORE approved Lifted Pay version 0.0.6 for PAX PayDroid in August
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 secure tokens. 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?
Accounts are typically eligible for next-business-day funding 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 the backends behind them — 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. If you're an ISO with your own processing relationships,
see ISO partners — Lifted Pay deploys on your VAR sheet.
Can you review my current statement?
Yes. Send one month's processing statement to
pay@liftedholdings.com and we'll compute your true all-in effective rate and
quote our interchange-plus price against it, line by line. There's no application and no obligation — if we
can't beat your rate, we'll tell you. You can also run the numbers yourself with our
statement audit tool or
effective rate calculator.
Start here
Start with the merchant application.
Tell us how your business gets paid. One secure application collects what underwriting needs and
saves your progress as you work. A real person reviews the business, and after approval we board the
account, configure the selected solution, and validate the complete payment path before launch.
Applying does not guarantee approval or commit you to a configuration.
