Accepting credit cards is no longer optional for small businesses — it's expected. Customers are carrying less cash than ever, and businesses that only accept cash are leaving significant revenue on the table. Here's how to get set up.
Studies show that customers spend 12-18% more when paying by card versus cash. Card payments also reduce the friction of a sale, leading to more impulse purchases and higher conversion rates.
Payment gateways like XbyZ Pay, Stripe, and Authorize.net integrate with your website to accept card payments. Fees typically run 2.9%-3.4% + 30¢ per transaction.
Square and Clover offer card readers from free to $300. They're ideal for retail, restaurants, and mobile businesses.
Invoicing tools like XbyZ Pay, FreshBooks, and QuickBooks let you send payment links and invoices that clients pay by card online.
💡 XbyZ Tip: Always factor processing fees into your pricing. On a $1,000 service, a 3.4% fee costs $34 — price accordingly.
XbyZ Pay is our merchant platform designed for small businesses. Apply online, get approved within 24 hours, and start accepting cards immediately. Transparent pricing at 3.4% + 30¢ with no monthly fees.
Simple setup, transparent pricing, fast payouts. Apply today — approval within 24 hours.
Apply for XbyZ Pay