What’s a merchant account?
It’s the special bank account behind the scenes that lets your business accept credit cards, debit cards, and other electronic payments.
THE PLATFORM
Three steps. One platform.
Every dollar you bill for travels the same path — from verifying your business, to sending the invoice, to landing in your account. BillWare keeps the whole path in one place.
01 — ONBOARDING
Open for business in one sitting
Sign up, enter your business details, and pass identity verification (KYC) without leaving your browser. Connect your bank account and you’re set to start accepting funds.
Instant, fully digital sign-up
Built-in KYC identity verification
Direct bank account connection
02 — INVOICING
Invoices that look like you
Build professional, branded invoices with line items, products, services, and tax rates in minutes. For subscriptions, set recurring billing once and let it repeat on schedule.
Custom, branded digital invoices
Products, services & tax rates
Recurring billing for subscriptions
Always know where you stand
Every invoice is tracked as paid, pending, or overdue the moment it changes.
03 — CUSTOMER PAYMENTS
However they ways to pay
Customers open the invoice you sent and pay online, by credit card or ACH bank transfer, from a secure, self-serve portal that keeps a record of every payment.
Credit card & ACH payments online
Full payment history, always on hand
Self-serve customer login & portal
They’ll never miss one.
An invoice notification email goes out the moment a bill is ready.
Two transparent ways to get paid
Every merchant picks one of these during onboarding. The fees are published up front, so there’s nothing to negotiate and nothing to discover later.
ACH DEBIT
USD
0%
+
$0.25
/txn
Rates as of June 23rd
Transaction fee
$0.25
Return fee
$2.50
Monthly fee
Free
Monthly minimum fee
None
Payment method type
Ach_debit
CARD
USD
0%
+
$0.00
/txn
Rates as of June 23rd
Visa Discount Fee
0.00%
Amex Discount Fee
0.00%
Transaction fee
$0.00
Chargeback
$10
Reversal
$10
Retrieval
$10
Monthly fee
$6.00
Monthly minimum fee
$6.00
Card update fee
$0.20
CARD
USD
2.90%
+
$0.30
/txn
Rates as of June 23rd
Transaction fee
$0.30
Chargeback
$10
Reversal
$10
Retrieval
$10
Monthly fee
Free
Monthly minimum fee
None
Bank account change fee
$5.00
Card update fee
$0.00
Card type markup rates
11 card types
Amex
3.1%
Diners Club
2.9%
Discover
2.9%
JCB
2.9%
Maestro
2.9%
Mastercard
2.9%
Solo
2.9%
Visa
2.9%
Visa Debit
2.9%
Visa Electron
2.9%
Interac
2.9%
Payment method type
Card
Amex direct processing
No
GET STARTED
Ready to simplify your billing?
Get verified, send your first invoice, and get paid, all in one afternoon.
