Payments Built for Your Industry

GoPayhawk works with businesses across retail, e-commerce, restaurants, healthcare, B2B, professional services, contractors, and automotive. GoPayhawk also has acquiring bank relationships that support high-risk verticals — industries that standard processors frequently decline, including CBD, firearms, nutraceuticals, travel, and high-volume subscription businesses.

Yes. Your Merchant Category Code (MCC) influences which interchange rate categories apply to your transactions. Some industries carry higher base interchange rates due to elevated chargeback risk. Industries with a high mix of corporate or purchasing cards — such as B2B — can unlock lower rates through Level 2 and Level 3 data optimization. GoPayhawk reviews your industry and card mix during onboarding to recommend the pricing model with the lowest effective rate.

Interchange-plus is recommended for most businesses processing over $10,000 per month. Cash discounting and surcharging are popular in retail and service businesses that want to eliminate processing fees entirely. B2B businesses with corporate card volume benefit most from interchange-plus with Level 2/3 data optimization. E-commerce businesses typically pair interchange-plus with a payment gateway. A free statement analysis identifies the model with the lowest effective rate for your specific card mix and volume.

Yes. GoPayhawk works with multiple acquiring bank relationships, including banks that specialize in high-risk underwriting. If your business has been declined due to industry type, chargeback history, or operating in a regulated sector, GoPayhawk can often find an approval path. Contact GoPayhawk to discuss your specific situation and history.

Yes. A countertop terminal works for most retail and service businesses. Restaurants typically need tip prompting and multi-seat capabilities. E-commerce businesses need a payment gateway. B2B businesses often use virtual terminals or invoicing tools for phone and email-based payments. GoPayhawk recommends hardware based on your industry, transaction environment, and software you already use.

A free statement analysis is the most direct path. GoPayhawk reviews your current processing statement, identifies your card mix and transaction volume, and recommends the pricing model that produces the lowest effective rate for your specific business. There is no cost and no obligation.