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    Solutions built for all businesses

    $0 Processing Fees. Low-cost Healthcare. Support your local university.

    Axe Pay eliminates your credit card processing fees, lets you offer low-cost healthcare to W-2 staff and 1099 contractors, and turns everyday sales into recurring support for your local university — all backed by real people you can reach.

    Trusted by restaurants · retailers · clinics · service providers

    Savings Calculator

    Clear Choice™
    With Clear Choice Program
    $60,000
    $10k$500k+
    Current Fees (est. 3.5%)$2,100/mo
    Axe Pay Fees$0/mo
    Your Annual Savings
    $25,200
    TRUSTED PARTNERS & INTEGRATIONS
    MasterCard
    Discover
    Dejavoo
    PAX
    Union POS
    Equinox
    Accept Blue
    Fluid Pay
    PAAY
    Priority Payments
    Netevia
    Exectras
    Torch POS
    American Express
    Practice Bytes
    MasterCard
    Discover
    Dejavoo
    PAX
    Union POS
    Equinox
    Accept Blue
    Fluid Pay
    PAAY
    Priority Payments
    Netevia
    Exectras
    Torch POS
    American Express
    Practice Bytes
    Clemson Small Business Partner
    WHAT WE DO

    One partner for payments, benefits, and growth.

    Most merchant service providers nickel-and-dime you and disappear after the install. Axe Pay bundles competitive payments, affordable healthcare, and community-driven growth into a single relationship with local support behind it.

    P

    Payment Processing

    Eliminate processing fees and keep more of every transaction.

    • Clear Choice takes your processing cost to zero.
    • Free terminals, POS systems, and equipment — no leases, no surprise fees.
    • Fast deposits, clear statements, and no long-term contracts — plus free setup and local service and support.
    Get a rate review →
    H

    360 Healthcare

    Low-cost coverage for W-2 staff and 1099 contractors alike.

    • A low-cost health product for your whole team — W-2 and contractors.
    • Cover the people traditional group plans leave out.
    • A benefit that helps keep your best workers with you.
    Explore 360 Healthcare →
    C

    Campus Connect

    Turn everyday commerce into recurring support for your community.

    • A share of merchant transactions is gifted back to local universities and causes.
    • Strengthens the bond between your business and the campus community.
    • Purely additive — it replaces nothing you already give.
    Learn about gifting →
    A CLOSER LOOK

    See what each Axe Pay product does.

    Three products, one relationship. Here's how Clear Choice™, 360 Healthcare, and Campus Connect work for your business and your community.

    CLEAR CHOICE™ · THE BASIS OF $0 PROCESSING FEES

    The customer sees both prices and chooses.

    Clear Choice™ is the program behind your $0 processing fees. Every sale shows a cash price and a card price — fully disclosed, compliant, and transparent. When a customer pays by card, the processing cost is covered at the point of sale instead of coming out of your margin. It works the same way online and across the counter:

    Clear Choice — Online
    Secure checkout
    Clear Choice™
    CHOOSE HOW TO PAY
    Pay by bank (ACH)
    Direct bank transfer
    $10.00
    Card priceSELECTED
    Pay securely by card online
    $10.40
    Clear Choice — Retail

    THE LUNCH COUNTER

    Clear Choice™ · Retail
    Lunch Burger$11.49
    Caesar Salad$8.99
    French Fries$3.99
    Iced Tea$2.99
    Card subtotal$27.46
    Cash discount (3.99%)-$1.10
    CASH TOTAL$26.36
    360 HEALTHCARE · BENEFITS & SAVINGS

    Affordable coverage for your entire workforce.

    Traditional group health plans leave out part-time and 1099 workers, and cost a fortune. Axe Pay 360 Healthcare provides a low-cost, comprehensive alternative that covers both W-2 employees and independent contractors.

    Zero Deductibles

    Access care immediately without having to meet high out-of-pocket deductibles first.

    W-2 & 1099 Coverage

    Finally, a health product that includes your independent contractors and part-time staff.

    24/7 Virtual Care

    Unlimited access to telehealth professionals anytime, anywhere, with $0 copays.

    Massive Cost Savings

    Save up to 60% compared to traditional major medical group plans.

    Monthly Cost Comparison

    Traditional Group Plan$3,250+
    for 5 employees / month
    Axe Pay 360$175
    for 5 employees / month
    Estimated Annual Savings
    Based on 5 employees
    $36,900+
    Sign Up for 360 Healthcare Now

    Axe Pay 360 Healthcare may be free if bundled with Clear Choice processing. Talk to your local Axe Pay representative to learn more.

    AXE PAY AUTOMOTIVE · BUILT FOR RECYCLERS

    One Omni-Channel Gateway for the way recyclers get paid.

    Auto recyclers sell across the counter, over the phone, and online — Axe Pay Automotive brings every one of those payments into a single gateway, with simple, universal reporting and the industry's strongest fraud protection built in.

    R
    Your Favorite Recycler
    Invoice #AX-2048
    SELECT PAYMENT METHOD
    Pay by card
    Visa, Mastercard, Amex, Discover
    $275.00
    Pay by bank (ACH)
    Bank transfer · 3.99% lower
    $264.03
    Powered by Axe Pay
    MORE WAYS TO PAY — COMING SOON
    Cash AppPayPalCryptoZelleBuy Now, Pay Later
    OMNI-CHANNEL GATEWAY

    All your channels, managed in one place.

    Send a digital invoice, swipe a card at the counter, take a mobile payment, or share a hosted payment page — it all runs through one gateway and lands in one simple, universal report.

    • Built for the realities of the auto recycling business.
    • Counter, phone, mobile, and online payments under one roof.
    • Industry-best fraud mitigation, including 3D Secure 2.0.

    Digital invoicing

    Send branded digital invoices and let customers pay online in a click.

    Card-present payments

    Take secure swipe, dip, and tap payments right at the counter.

    Mobile payments

    Accept payments on the move, from the yard to the customer's truck.

    Hosted payment pages

    Secure, ready-to-use payment pages — no development work required.

    Universal reporting

    One simple, consolidated view of every transaction across every channel.

    Fraud mitigation

    The industry's best fraud tools — including 3D Secure 2.0 — protect every payment.

    BUILT-IN FRAUD PROTECTION

    The power of 3D Secure 2.0

    Every online payment Axe Pay Automotive processes is protected by the newest version of 3-D Secure — a smart, behind-the-scenes layer of cardholder authentication that stops fraud before it starts, without slowing down your real customers.

    Chargeback liability shifts

    On authenticated transactions, liability for fraudulent chargebacks typically moves from you to the card issuer — protecting your bottom line.

    Frictionless for real buyers

    Risk-based checks clear the vast majority of legitimate payments instantly — no passwords, no extra steps, no lost sales.

    Higher approval rates

    Far richer data is shared with the issuer than the old standard, so more good transactions get approved and fewer are falsely declined.

    Built for mobile & online

    Designed for app, mobile, and browser checkouts and biometric verification — so it works wherever your customers choose to pay.

    HOW IT AUTHENTICATES A PAYMENT
    1

    Rich data is gathered

    At checkout, the EMV® 3DS protocol passes 100+ data elements — device, browser, and transaction signals — roughly 10x what the old 3DS1 standard sent.

    2

    Issuer scores the risk

    The card issuer's Access Control Server evaluates that data in real time using risk-based authentication — no merchant effort required.

    3

    Frictionless or challenge

    Low-risk payments clear silently. Only the riskier ones trigger a step-up — a biometric, in-app prompt, or one-time passcode.

    4

    Authenticated & shifted

    A cryptographic proof (CAVV) is returned with the approval, and fraud-chargeback liability typically shifts to the issuer.

    EMV® 3DS (3-D Secure 2)
    Risk-based authentication
    Frictionless & challenge flows
    Biometric & OTP step-up
    100+ data elements
    PSD2 / SCA ready
    App, browser & in-app SDK
    Decoupled authentication
    NOW INTEGRATED · OMNICHANNEL GATEWAY

    Sentinel chargeback defense, built in.

    Axe Pay has integrated Sentinel directly into our OmniChannel Gateway. Merchants now get real-time digital chargeback alerts, respond in minutes instead of weeks, and let AI build the winning evidence — so you keep more of the revenue you already earned.

    Digital chargeback alerts

    Disputes surface in real time — a 2-3 day head start to act before an auto-refund ever triggers.

    6-minute response

    What used to be a 6-week manual process becomes a fast, guided digital response from your dashboard.

    AI-built evidence

    Sentinel assembles airtight, timestamped documentation and the dispute narrative issuers want to see.

    70%+ win rate

    AI-optimized responses win about 7 in 10 disputes — revenue recovered, not written off.

    Real-time dispute notifications
    Guided one-click responses
    Intercepts RDR & auto-refunds
    Reduces dispute volume at the source
    Protects merchant-account ratios
    Dashboard reporting & insights
    SAVINGS CALCULATOR

    See what Sentinel could recover.

    10
    chargebacks per month
    1100
    Avg. chargeback $1,250
    Win rate ~70%
    Sentinel $59/mo
    Monthly chargeback exposure$12,500
    Disputes won (~70%)7
    Recovered / month$8,750
    Sentinel cost / month$59
    Net savings / month$8,691
    $104,292
    ESTIMATED SAVINGS / YEAR

    Estimates for illustration only, based on the assumptions above. Actual results vary by merchant, vertical, and dispute mix.

    DEVELOPERS & INTEGRATIONS

    Axe API: Build with modern payments.

    Integrate $0 processing fees, omnichannel payments, and automated reconciliation directly into your software. Our RESTful API and pre-built SDKs make it easy to start accepting payments in minutes.

    const axepay = require('axepay')('sk_live_...');

const paymentIntent = await axepay.paymentIntents.create({
  amount: 27500,
  currency: 'usd',
  payment_method_types: ['card', 'ach'],
  metadata: {
    invoice_id: 'AX-2048',
    clear_choice_enabled: true
  }
});

console.log(paymentIntent.client_secret);

    RESTful Architecture

    Predictable, resource-oriented URLs with standard HTTP status codes.

    Webhooks

    Real-time notifications for payment status changes and dispute alerts.

    Drop-in UI Components

    Secure, PCI-compliant payment fields that match your app's design.

    3D Secure 2.0 Available

    Native support for EMV® 3DS to shift fraud liability and protect transactions.

    Comprehensive Sandboxes

    Test your integration thoroughly before going live with mock data.

    Why merchants switch to Axe Pay.

    We're replacing outdated, expensive payment processors with a model that actually helps your business grow.

    Zero Processing Fees

    Keep 100% of your revenue. Our Clear Choice program covers the cost of processing.

    No Long-Term Contracts

    We earn your business every month. No cancellation fees, no hidden traps.

    Free Equipment

    Get the latest smart terminals and POS systems at absolutely no cost to you.

    Local Support

    Real people, real support. When you need help, you talk to someone who cares.

    Ready to get started?

    1

    Contact us today

    The application process is quick and easy and we generally approve you within a few hours.

    2

    Get Installed

    Receive your equipment, schedule an installation and get training.

    3

    Start Saving

    Begin accepting payments with zero processing fees and 24/7 local support.

    Sign Up Now
    The Team Behind Axe

    Meet the people building a better, fairer ecosystem.

    We're a team of fintech veterans, healthcare advocates, and community builders dedicated to changing how businesses operate and grow.

    SA

    Sam Avello

    CEO & Founder

    Visionary leader dedicated to eliminating unfair processing fees and driving strategic growth.

    BW

    Brian Worth

    EVP

    Executive leader focused on scaling operations and building strategic partnerships across the industry.

    ES

    Ed Socha

    CFO

    Financial expert ensuring sustainable growth and delivering value to our merchants and stakeholders.

    RM

    Ron Matthews

    VP Automotive Division

    A industry veteran that is spearheading our automotive solutions and bringing tailored payment tech to recyclers everywhere.

    EC

    Ethan Chester

    National Sales Manager

    Driving national growth and empowering our sales teams to deliver exceptional value to businesses.

    JK

    Jessica Kidd

    Senior Operations Manager

    Optimizing internal processes and ensuring seamless operational efficiency across all departments.

    EG

    Esa Gonzales

    Senior Deployment Manager

    Leading successful implementations and ensuring merchants have a flawless onboarding experience.

    SS

    Sean Sheehan

    Senior Technician

    Providing top-tier technical expertise and ensuring our hardware and software run flawlessly.

    BC

    Bryan Counsell

    Senior Technician

    Delivering expert technical support and maintaining the reliability of our payment infrastructure.

    EQ

    Emmeline Quinton

    Operations Specialist

    Supporting day-to-day operations and streamlining workflows to enhance overall team productivity.

    DT

    David Trapp

    Technical Support

    Dedicated to resolving technical issues quickly and keeping our merchants' businesses running smoothly.

    MD

    Marissa Deignan

    Clemson Area Sales Associate

    Connecting local businesses with Axe Pay solutions and strengthening our community partnerships.