5 Free PayAnywhere Credit Card Machines Complete With Local Utah Support

Free PayAnywhere Credit Card Machines

5 Free PayAnywhere Credit Card Machines To Choose From 👍

Your business deserves the best in card processing rates and machines offered in the Salt Lake City area. Our goal in this merchant services article is to help your business succeed by showcasing innovative product offerings utilizing the latest tech options for your business.

We put together 5 Free PayAnywhere Credit Card Machines and 0% & .35% Rate options for you to choose from. Complete with corporate and local support from me personally or one of our dedicated team members if ever needed. 

Utah EZ Pay Logo

Payanywhere Payment Processing Terminal Options


AM Funding

North American Bancard Logo

# 1. PayAnywhere Mini Mobile Credit Card Machine – PAX A77.

PAX MINI A77 PayAnywhere Credit card Free PayAnywhere Credit Card Machines

The Mobile PayAnywhere A77 Mini is a handheld, fully equipped smart credit card machine powered by the advanced functionality of PayAnywhere. It’s the perfect portable credit card reader for a number of businesses. Perfect for salons, pay-at-the-table restaurants, coffee shops, and delivery businesses. Receive the versatility to securely accept all payment types. Perfect for any Salt Lake City area business.

# 2. Free PayAnywhere Countertop Credit Card Machine – PAX A80 & SP30 PIN Pad.

PAX A 80 Free PayAnywhere Credit Card Machines

One credit card machine (terminal) on your side of the counter and another terminal facing the customer with the “PIN Pro Smart” option. Offer your customers the latest payment options with a sleek payment device that provides maximum simplicity of use. This is perfect if you would like to keep using a keypad versus the touchscreen option.

# 3. Free PayAnywhere Mobile Credit Card Machine – PAX A920 Pro.

PAX A920 Pro Credit Card Machine

Everything you will need in a mobile credit card machine. This option comes fully equipped with the advanced functionality of our proprietary software. The PayAnywhere Smart Terminal is ideal for countertop, or anywhere you and your business will be. This is a must-have for mobile businesses.

# 4. PayAnywhere POS Plus Point Of Sale System – PAX E700.

PayAnywhere POS Point Of Sale System. Free PayAnywhere Credit Card Machines

With the PayAnywhere Smart POS, you can transform your countertop with a point of sale system designed specifically for your business model. Offering advanced features such as inventory, open tabs tracking and more. Enhance your Salt Lake City area business merchant services with fast and effortless transactions. This system includes a large format point of sale, business facing, 12.5″ HD touchscreen; a 4.3″ customer facing display; a receipt printer and a barcode scanner. This complete POS solution is ideal for established businesses for a variety of industries.

# 5. PayAnywhere 3-in-1 Bluetooth SmartPhone Card Reader.

PayAnywhere 3 in 1 bluetooth card reader Utah

Accept all credit cards on the go by easily transforming your smartphone or tablet into a portable PayAnywhere credit card machine. With payments powered PayAnywhere app with numerous features, you and your customers will enjoy fast and smooth transactions. Quickly connect your PayAnywhere bluetooth credit card reader to your iOS or Android smartphone and utilize the Pay AsYouGo Swipe Feature at 2.69%. Process nothing, pay nothing.

Choose Your Desired Card Processing Rate:

Mount Olympus .35%

(40% + savings – fees paid by business)

Utah EZ Pay Mountain Logo

Mount Olympus (.35%) is an Interchange Plus Rate platform starting at .35% basis points or lower. Businesses pay the fees at an interchange rate.

  • .35% Debit Cards With a PIN.
  • 1.29% Debit & Credit Cards no PIN. 
  • 2.25 % AMEX / Rewards.
  • 2.99% Manually Keyed-in Virtual Terminal.
  • Average of All Cards = 1.72%.

Mount Timpanogos 0%

(90% + savings – fees included in sale total)

Utah EZ Pay Mountain Logo

Mount Timpanogos (0%) is a 0% Rate Dual Pricing platform. The 4% processing fees are included in sale total. Or Customers can choose a 4% discount for paying cash.

  • 0% Debit Cards With a PIN.
  • 0% Debit & Credit Cards no PIN. 
  • 0% AMEX / Rewards.
  • 0% Manually Keyed-in.
  • Average of All Cards = 0%.

Get Started With Free PayAnywhere Credit Card Machines Today!

Greg G Kapitan of Utah EZ Pay

What makes Free PayAnywhere Credit Card Machines by Utah EZ Pay so good? Getting double support. Not only from NAB on the 1-877 corporate level, but also yours truly on the local Salt Lake City area level. Greg G Kapitan. You can call or text me at: 801-205-1955 anytime. We are here to help!

North American Bancard Building

    Your Card Convenience Fee Is Driving Away Customers

    Interchange Plus Pricing Credit Debit Cards

    Posting A Card Convenience Fee Is Driving Away Your Customers 👎
    We’ll Show You How You Keep Them 🙋‍♀️ While Saving 90% + On Card Processing Fees 🏦

    Mt Timpanogos (Edge) 0% Dual Pricing Card Processing Fees To The Rescue!

    Our goal is to help your business in todays compete market! Offsetting fees the correct way and to be compliant is the advice we are offering.

    Many Utah businesses are posting signs on their door or next to the register alerting their customers about charging them for using a credit card to pay for their purchase (this is to offset processing fees merchants have been covering for so long).

    This method is far and away one of the quickest ways to drive away customers. Here we will explain and show your business an innovative and compliant way to offset processing fees without upsetting customers.

    Looking at the sign image, you can see what this business posted for their customers. This is likely to leave a sour experience in your customers mind.

    This Method Is Called: Surcharging / Card Convenience Fee


    What Is Going Through Your Customers Mind 🤔 During Checkout

    Checking out at the counter with a card convenience fee

    When it is time for your customer to checkout, they often already have a numbers in their head of what the total will approximately be. They approach the cashier, taking their card out, ready to pay.

    Then, all of the sudden the total increases from what they were expecting to pay. Then they notice the sign announcing the extra fee being charged because they are paying with a card.

    Keywords To Think About: the negative idea stuck in their mind now is
    “I am paying an extra fee!” 🤔

    Removing The, “I am paying an extra fee!” From Your Customers Mind.
    Dual Pricing To The Rescue 👏

    We have an innovative way to remove this idea from your customers mind. This will replace the “I am paying an extra card fee” thoght with, “I can pay with cash and save”. Let’s admit that this phrasing changes the mindset from….“I am paying an extra fee” to, “I can get a discount if I pay with cash”

    This Method Is Called: Dual Pricing / Cash Discounting

    Don’t Believe It Works? On the east and west coast’s of the USA we are setting up 97% of all new accounts with a 0% dual pricing card processing platform through our sister company iSmart Payments as are ALL Other Merchant Service Providers. 

    With Utah EZ Pay, here in the State of Utah, the number of NEW merchants using a Dual Pricing model has now reached 65% as of June 2023. In the next 12 months that number is expected to reach 75% or more. 

    Card Convenience Dual Pricing

    Best Solution For Any Utah Business Accepting Card Payments 🏔

    This must watch video explains how Dual Pricing works for a positivee customer experience.


    Set Your Business Up With Any Of The Free 💳 Dual Pricing Card Processing Options Below:

    All of our Free PayAnywhere Smart terminals form North American Bancard below will add in the card processing fee in on all your card transactions.
    Your business will benefit from our professional Mt Timpanogos 0% Dual Pricing and being in compliance with the card brands.

    PayAnywhere Mobile
    Smart Terminal

    PayAnywhere Free POS Terminal Mobile

    PayAnywhere Countertop

    Free POS Terminal-Countertop and PIN Pad

    PayAnywhere Smart
    POS System

    Utah EZ Pay PAX E700 POS Point Of Sale Process Cards For 19.95 A Month

    6 Points You Sold Know About The Dual Pricing System:

    The dual pricing system, also known as surcharging or cash discounting, is a payment processing model where merchants offer different prices for goods or services based on the customer’s chosen payment method. Here are some potential benefits of using the dual pricing system for a merchant account:

    1. Cost Recovery: Credit card processing fees can be a significant expense for merchants. By implementing dual pricing, merchants can pass on the cost of credit card processing to customers who choose to pay with cards. This helps recover some of the fees associated with accepting credit cards, reducing the impact on the merchant’s bottom line.
    2. Transparency: Dual pricing provides transparency to customers by clearly differentiating the cost of goods or services when paid with cash versus when paid with a card. Customers can make informed decisions based on their preferred payment method and the associated costs.
    3. Cash Incentive: The dual pricing system often encourages customers to pay with cash or non-card methods, as they can enjoy a lower price for the same goods or services. This incentivizes cash transactions and reduces the merchant’s reliance on credit card payments, which can be subject to transaction fees and potential chargebacks.
    4. Cost Savings: By reducing the number of credit card transactions, merchants can save on processing fees. With the dual pricing system, the merchant can negotiate better rates with payment processors based on the volume of cash transactions, leading to potential cost savings.
    5. Improved Profit Margins: The ability to recover credit card processing costs through dual pricing can contribute to improved profit margins for businesses. By ensuring that the fees associated with accepting credit cards are adequately covered, merchants can maintain healthier financial stability.
    6. Flexibility: Dual pricing allows merchants to adapt their pricing strategy based on their business needs. They can set different price structures for different payment methods, accommodating variations in costs and preferences across their customer base.

    Utah EZ Pay Will Come Out To Your Business & Show You How 🤙

    Greg G Kapitan of Utah EZ Pay

    What makes Mt Timpanogos 0% Dual Pricing Processing by Utah EZ Pay so good? Getting double support. Not only from NAB on the 1-877 corporate level, but also yours truly on the local level. Greg G Kapitan. You can call or text me at: 801-205-1955 anytime. Put my number in your phone, you will be glad you did!

    North American Bancard Staff

      Benefits Of AMEX OptBlue

      AMEX OptBlue logo

      Four Benefits Of AMEX OptBlue

      Utah EZ Pay is proud to bring this informative post to your attention. Business owners have known for a long time that acceptance of American Express cards means they will be paying a higher card processing rate. This was the case for many years in the past. Well, a lot has changed. In this post we will outline how AMEX has changed their game to be more competitive with the other card brands. Here’s too, the Four Benefits Of AMEX OptBlue.

      1 – New Lower AMEX Processing Rates

      American Express OptBlue offers merchants lower AMEX processing rates as it is a more affordable way to accept AMEX cards. Much to the relief of business owners across the country. OptBlue from American Express is a way for merchants to accept AMEX cards at a full 100 – 200 basses points lower. This = 1% – 2% less in cost.

      To be honest, it is believed that AMEX was under presser from merchants as it has been for many years. This was due to the obvious pricing issues.

      Long Gone High Processing Rates For AMEX Cards

      As a matter of fact, AMEX cards are historically the most costly cards for merchants to accept. Merchant service providers wold often hear of merchants who were not happy with the AMEX cost. As it has been know for years to business owners that accepting American Express cards was the most expensive.

      Many business owners refuse to accept American Express cards just for that reason. The processing rate range was form, 2.89% – 3.50% +. As apposed to Visa, Master Card and Discover was in the .39% 1.29% – 2.85% range excluding PIN based debit cards.

      AMEX OnePoint Lower Rates
      All Cards On One Statements

      2 – All Transactions Will Be On One Statement

      With AMEX OptBlue, merchants will now be able to view all transactions on one single statement. This will no longer be with American Express. It will be with your merchant service provider. Business owners will receive their Visa, Master Card, Discover and AMEX transactions all on one statement. This will include all of the details such as, amounts, batches, fees and all other information usually provided.

      Separate Statements Are A Thing Of The Past

      In the past, your AMEX card transactions came through a different funding path. This also meant another separate merchant statement.

      3 – One Fast Funding Deposit

      Business owners love the fact their funds for processing American Express cards is deposited into their account the next day. With the AMEX OptBlue processing program, the funding path is the same as your merchant service provider provides.

      No Longer Waiting For AMEX Funds

      One of the things business owners were not happy about was, waiting for their AMEX finds. It usually took 2 – 3 days to see American Express card transactions show up in your deposits. Long gone are those days. Another huge benefit of the AMEX OptBlue card processing program.

      One Fast Deposit
      One Point Of Contact Customer AMEX OptBlue

      4 – One Point Of Contact

      This is another nice benefit of the American Express OptBlue program. Now should an issue arise with an AMEX card processing transaction, there will be one point of contact. This will be with your merchant service provider for all cards.

      Easy And Streamlined

      Now with OptBlue, you will enjoy having one point of contact. Your merchant service provider will handle all card inquiries. So much simpler than in the past.

      Four Benefits Of AMEX OptBlue Final Thoughts

      With out a doubt, the OptBlue card processing program is something EVERY merchant should have. It is by far and away, a HUGE win for any business model. Utah EZ Pay can get your business set up in just a few minuets. We truly hope you have enjoyed reading about the Four Benefits Of AMEX OptBlue program. Utah EZ Pay wants you to be in the know. Please leave a comment below as we wold like to read your thoughts.

        Bank Merchant Services

        Bank Merchant Services

        Top 3 Reasons Banks Charge The Most For Merchant Services

        In this blog post we will outline the top three reasons a bank charges the most for merchant services. Also known as, credit card processing. No matter what type of business you have, this will affect your bottom line. Utah EZ Pay wants you to know the difference between doing business with a bank and a merchant service provider (MSP) for processing your credit and debit card transactions. Here in the post we will outline the difference between the two.

        Should I Trust My Bank For Merchant Services?

        As our team members over the years had visited with many business owners, we have noticed a trend. That is, many business owners feel a sense of security opening up a bank offered merchant service account thinking they will give them the best deal. However as we will review, that is far from the case.

        Remember, banks are all about making money off of rates and fees. Yes this is also true for merchant service providers. However there is a big difference. Below we will showcase the difference between processing with a bank vs a merchant service provider.

        Credit Card Logos. Bank Merchant Services

        1 – Rates. Processing With A Bank VS a Merchant Service Provider.

        A Bank – Rates: Lets tank about bank offered merchant services first. Most banks don’t own and or use their own merchant service company. They often use use a third party MSP instead to process card transactions for their customers. So having discovered this, we see that a bank in most situations are the middle man.

        They are in a way reselling the cost to them for processing your business card transactions, adding fees on top as a way for them to make money. Then charging business owners more, over and above what they could be paying should a business owner process directly with a merchant service provider. So in short, most banks are just simply reselling and often rebranding merchant services.

        A Merchant Service Provider – Rates: Now let’s discuss about a merchant service provider, also know as a credit card processing company and how they differ from a bank. Here is where the big difference comes in as opposed to running cards for your business through a bank to process your card transactions.

        When running card transactions with an MSP you are cutting out the middleman that is reselling the services, yes the bank. Your transaction cost will drop a lot and you will notice your rates are much lower. Your total effective rate will drop. Business owners will have more money in their pocket as a result. You will also have more rate options to choose from.

        # 1 Rates Offered Recap

        A Bank

        • Most banks are not merchant service providers and are the middleman
        • They are reselling merchant services
        • Most if not all tellers and managers have no idea they are the middleman
        • You will pay the highness rates and fees with a bank
        • Limited rate offerings

        A Merchant Service Provider

        • They are direct and eliminate the middleman
        • Not reselling merchant services
        • Most if not all MSP’s are well versed in their field
        • You will receive much better rates and fees
        • Will have several rate offerings such as, 0% dual pricing, as well as, tiered .39% for instance as well as interchange plus pricing

        # 1 Rates Conclusion

        90% of the time you will receive much better rates processing card transactions directly with a merchant service provider vs a bank.

        2 – Equipment. Processing With A Bank VS a Merchant Service Provider.

        Mobile Smart Terminal

        A Bank – Processing Equipment: Banks have limited access to credit and debit card processing equipment. The 3rd party they use, the merchant service provider, gives them a few of the most popular types of processing equipment. They will only have the most popular credit and debit card processing equipment at a cost to them. If you need an innovative solution, banks will not offer this to their merchants (business owners). Since banks are using a 3rd party for processing equipment, they often charge more for rates to make up for this.

        Consider this, the person at your bank are surrounded by other bankers. Not like the people in merchant services that are detected to that field and surrounded in processing equipment and lingo.

        A Merchant Service Provider – Processing Equipment: Here is where a merchant service provider really stands out from what a bank offers it’s merchants. No matter what type of business an owner is running, they will certainly find an innovative solution to their needs. That is their job, every day.

        Here you will find a wide variety of free offerings because this is what an MSP does for a living. From Smart terminals, to innovative POS systems and website e-Commerce solutions and options. This will result in lower rates and fees because unlike a bank, the merchant service provider buys equipment in bulk. Resulting in a lower cost to them and passing it on the to merchant. Also, has much more processing verticals and knowledge.

        # 2 Equipment Offered Recap

        A Bank

        • Banks have limited credit and debit card processing offerings.
        • Bank tellers and employees are not well trained in this other line of work. They are well trained in banking, not merchant services.

        A Merchant Service Provider

        • A merchant service provider has a plethora of credit and debit card offerings.
        • Merchant service reps and employees are well trained as this is what they do for a living.

        # 2 Equipment Offered Conclusion

        Banks only have limited payment processing options as card processing as this is not their main line of work. A merchant service provider has many card processing options as this is their main line of work.

        3 – Customer Support. Processing With A Bank VS a Merchant Service Provider.

        Bank Merchant Services North American Bancard Staff

        A Bank – Customer Support: Banks will often have their merchants call a 1-800 number if their merchants are having an issue. Again the merchant (business owner) will be calling a 3rd party service that the bank has chosen to do business with, merchant service provider. Some banks do have a customer service local number a merchant can call. As far as having a local representative come out to their business to check on them, banks score a zero on this. This drives their rates up because they are using a 3rd party for customer support.

        A Merchant Service Provider – Customer Support: Here is another area where there is a big difference between the two. When your business is processing cards and an issue arises, they can call a 1-800 number their account is set directly up with. Merchants also have another option. They can call their local representative that helped them set up their credit and debit card processing account. We call this in the business, your local rep. A MSP such as, North American Bancard (NAB) for instance, has an outside agent program. They are relationship builders between the company they work for, NAB, and the merchant, the business owner. They are there on the local level to make sure all is going smooth. A merchant service provider scores 100 on this as apposed to a bank. Also, in-house provided customer support allows for lower rates by eliminating the 3rd party middle man.

        # 3 Customer Support Recap

        A Bank

        • In most cases, a business owners will call outside of the bank for support to a 3rd party.
        • No local representative to come by your business and help with processing equipment if ever needed.

        A Merchant Service Provider

        • Business owners will call their merchant service provider directly.
        • Your business will have a local representative to come by your business and help with processing equipment if ever needed.

        # 3 Customer Support Conclusion

        By having your credit and debit card processing account set up directly with a merchant service provider, you will experience much better customer service. Plus you will also have a local representative that you can call or text message at any time.

        Bank Merchant Services In A Nutshell

        Greg G Kapitan of Utah EZ Pay

        The banking vertical is banking. They are not in the merchant service business.
        The merchant service vertical is, well, merchant services. AKA, credit card processing.

        In short, you can see the top 3 reasons banks charge more to their customers for merchant services. Thank you for reading this blog post about the top three reasons banks charge the most for merchant services. Sincerely, Utah EZ Pay and Greg G. Kapitan.