Payments That Power Your Business Forward

MK Pays delivers fast, secure, and seamless payment processing for businesses of every size — from your first sale to your millionth transaction.

Certified Advantage

LegitScript

Unmatched pricing for certified companies

High Risk Experts

Trusted partner for high risk merchants.

We cannot guarantee all high risk companies will get approved.

Industry Support

Specialized

● Trusted

EFFECTIVE RATE CALCULATOR

Know Your True Processing Cost

Quickly calculate your effective rate and see how your current credit card fees compare against healthy industry benchmarks.

Total Sales

Credit Card Fees

What is the Effective Rate?

The effective rate is the real percentage you pay in credit card processing fees based on your total sales volume. It gives you a clearer picture of your actual payment costs.

Effective Rate = (Credit Card Fees / Total Sales) × 100

Use this calculator to understand where your current rate stands and whether there may be room to reduce unnecessary processing costs.

Excellent

Less than 1.85% effective rate

Needs Improvement

More than 2.00% effective rate

Everything You Need to Accept Payments

From in-person terminals to fully integrated e-commerce checkout, MK Pays has the tools to help your business collect revenue confidently.

In-Store POS

Modern point-of-sale systems that accept chip, swipe, tap, and contactless payments — fast and reliably at the counter.

Online Payments

A conversion-optimized checkout experience with support for all major cards, digital wallets, and BNPL options.

Mobile Processing

Accept payments on the go with our mobile card reader — perfect for events, delivery, and field service businesses.

Recurring Billing

Automate subscription billing, memberships, and retainers with smart retry logic and revenue recovery tools.

Payment Links

Generate instant payment links to share via email, SMS, or social — no website or terminal needed.

API & Integrations

Developer-friendly APIs and pre-built integrations with Shopify, QuickBooks, WooCommerce, and 100+ platforms.

Annual Payment Volume

0 B+

Merchants Served

0 K+

Platform Uptime

0 %

Industries Supported

0 %

Tailored for Your Industry

We understand that every industry has unique payment needs. MK Pays delivers specialized solutions built for how your business actually operates.

Retail

Seamless checkout for both physical and online stores.

Restaurants

Table-side payments, tips, and split-check made simple.

E-Commerce

Optimized checkout flows that maximize conversion rates.

Healthcare

HIPAA-conscious billing with flexible payment plans.

Professional Services

Invoice payments, retainers, and recurring billing automated.

Hospitality

Reservations, deposits, and on-property payments unified.

Construction

Project-based billing and milestone payment automation.

Service Businesses

Collect payments on-site, remote, or via invoice instantly.

A Payment Partner That Actually Has Your Back

We’re not just a payment processor — we’re your growth partner. From onboarding to scaling, we work to make payments the least of your worries.

01

Transparent, Flat-Rate Pricing

No hidden fees, surprise surcharges, or long-term contracts. You always know exactly what you'll pay.

02

Next-Business-Day Funding

Get your money fast. MK Pays offers next-day deposits so your cash flow stays healthy and predictable.

03

Enterprise-Grade Security

PCI DSS Level 1 compliant, with tokenization and AI-powered fraud detection protecting every transaction.

04

Dedicated Support, Always

Your account gets a dedicated specialist — not a chatbot. Real people available 24/7 when you need help.

Up and Running in Four Simple Steps

No complicated setups. No lengthy approvals. Start accepting payments in as little as 24 hours.

Apply Online

Fill out a quick 5-minute application. No paperwork, no branch visits — just a straightforward online form.

Get Approved

Our team reviews your application and approves most accounts within one business day.

Connect & Configure

Set up your terminal, integrate your platform, or launch your payment link — guided by our onboarding team.

Start Processing

Accept your first payment and watch revenue flow directly into your account the very next business day.

Businesses That Trust MK Pays

"Switching to MK Pays was the best decision for our restaurant group. Faster checkouts, clear reporting, and we haven't had a single outage in 18 months."

Maria Rodriguez Owner, The Coastal Table Group

"Our e-commerce conversion rate went up 11% after integrating MK Pays checkout. The one-click payment experience is exactly what our customers needed."

Jason Liu CEO, UrbanWear Store

"As a healthcare practice, compliance is everything. MK Pays gave us a HIPAA-conscious billing solution and a team that understood our specific needs from day one."

Dr. Diana Strauss Director, Clarity Medical Group

"MK Pays helped us simplify payment processing across multiple retail locations. Transactions are faster, reporting is easier to understand, and customer checkout times have improved significantly."

Sarah Thompson Operations Director, BrightMart Retail

"We were looking for a payment partner that could scale with our business. MK Pays delivered reliable processing, competitive rates, and exceptional customer support every step of the way."

Michael Carter Founder & President, Carter Home Services

"The onboarding process was seamless, and the support team was incredibly responsive. MK Pays gave us the tools we needed to manage payments more efficiently and focus on growth."

Emily Johnson Finance Manager, Horizon Logistics

"Since switching to MK Pays, our invoicing and payment collection process has become much more streamlined. The platform is intuitive, secure, and saves our team valuable time every week."

David Reynolds Managing Partner, Reynolds Consulting Group

"Our hotel handles hundreds of transactions daily, and MK Pays has been consistently reliable. The system integrates smoothly with our operations and provides detailed insights we can actually use."

Amanda Brooks General Manager, Harbor View Hospitality

"Security and dependability were our top priorities when choosing a payment processor. MK Pays exceeded our expectations with robust payment solutions and outstanding account management."

Kevin Mitchell Chief Operating Officer, Apex Construction Solutions