KeyTransact: Payments

Accept card payments fast

KeyTransact is a full payment processor for merchants who want honest pricing and every payment method their customers actually use — credit cards, debit cards, Apple Pay, Google Pay, and ACH bank transfers — all from one app.

WHY MERCHANTS SWITCH TO KEYTRANSACT

Honest pricing. Flat 2.7% + 25¢ per transaction, or a 0% commission monthly plan for high-volume merchants. What we quote is what you pay — no platform surcharge, no hidden markup on interchange, no surprise fees added later.

Every way to accept payments. Card-not-present online, tap-to-pay in person, invoicing over email, recurring subscriptions, and ACH bank debits — all on day one, all in one dashboard.

PCI-compliant tokenization. Card details never touch your servers or your phone's storage. Your payments are secure by default.

Real-time disputes and refunds. See the full chargeback timeline the moment it opens, not three days later. Respond with evidence right from your phone.

Bank deposits on your schedule. Pick daily, weekly, or on-demand instant payouts to your debit card.

WHAT'S IN THE APP

• OVERVIEW — Daily dashboard: card volume, successful charges, average ticket, and recent transactions at a glance.

• TERMINAL — Take a payment in seconds. Type the amount, charge the card, email the receipt. Works for in-person retail, phone orders, mobile services, and back-office collections.

• INVOICES — Send professional card-payable invoices in seconds. Recurring billing, PDF attachments, automatic reminders, custom messages, and multi-currency support.

• CUSTOMERS — Save cards on file, track lifetime value, and re-charge with one tap. Perfect for repeat customers and subscription businesses.

• PAYOUTS — Track every deposit hitting your bank. See the exact date each pending payment clears and lands in your account.

• DISPUTES — Respond to chargebacks with attached evidence right from your phone. Full timeline and dispute status.

• REPORTS — Volume, fees, refunds, and net deposits — export CSV for accounting or file taxes.

• SETTINGS — Manage your account, bank accounts, team members, notification preferences, and receipt branding.

BUILT FOR EVERY BUSINESS

• E-commerce stores accepting online credit card payments
• Retail shops taking cards in person and mobile payments
• Service businesses charging customers on the go
• SaaS companies needing recurring billing and card-on-file
• Restaurants and food trucks processing tap-to-pay
• Freelancers and consultants sending card-payable invoices
• Nonprofits accepting donations by credit card and ACH
• Contractors and home services processing payments in the field

PRICING

Two ways to pay, both honest. Flat rate 2.7% + 25¢ per successful transaction. Or a 0% commission monthly plan calibrated to your volume — usually the better deal once you cross around $30k/month. We quote before you commit. No hidden fees. No monthly minimums on the flat plan. No cancellation fees ever.

SECURE + COMPLIANT

PCI-DSS Level 1 tokenization. End-to-end encryption on every transaction. Fraud scoring built in. Chargeback protection tools. Card data never stored on-device.

GET STARTED

Sign up, verify your business, connect your bank account, and start accepting card payments. No demo call. No sales rep. No weeks of underwriting. Most merchants are approved and processing in under an hour.

Accept credit card payments, send invoices, take mobile payments, run recurring subscriptions, and get deposited on your schedule — all in one app.

Download KeyTransact and keep your margin.