NextPay Business Solutions

Compare POS systems and configurations to find a suitable setup, with specialist help for selection, setup, and payment processing.

Choose a terminal for counter or mobile use, with payment options and fee programs configured to fit your needs.

Compare transparent processing models and fee-offset programs to find an approach suited to your business.

Send invoices and payment links, collect card or bank payments, automate recurring billing, and reconcile records with QuickBooks.

Connect payment channels and tools while supporting flexible ways to pay, bill customers, and manage transactions.

Connect payment tools with business applications to reduce manual data entry and keep information flowing between systems.

Run payroll, handle tax filing, and align workers' compensation with actual payroll in one connected service.

Manage employee processes and records while staying informed about labor-law changes as your team grows.

Get current financial records and tax-ready books while freeing up time spent on bookkeeping.

Automate dispute responses, screen risky transactions, and recover revenue from winnable chargebacks.

Explore business and property financing options through one online application and a guided review process.

Earn points through payment processing and redeem them for travel, merchandise, gift cards, and other rewards.

Automate personalized, multichannel outreach and follow-up to maintain prospect conversations and grow professional relationships.

Get guidance to value, buy, or sell a business through a confidential process from valuation to close.

Point-of-sale systems

NextPay offers POS systems from brands including SkyTab by Shift4, Square, SumUp, Clover, PAYS, NRS, Quantic, Korona, Chively, and DejaPay Pro. Options serve restaurants, retail, convenience, service, and other businesses, with configurations ranging from countertop registers and tablets to handhelds, kiosks, and kitchen display systems. Features, software plans, and hardware pricing vary by system. NextPay specialists help businesses compare options, configure systems, and arrange setup, with installation, training, and processing plans available depending on the system.

• Compare POS Brands
  Compare available POS brands and systems to identify options suited to your business.
• Choose A Hardware Setup
  Select from available countertop, mobile, and customer-facing hardware configurations.
• Choose A Processing Approach
  Review processing options and select a supported approach for your POS system.
• Match Features To Your Business
  Choose a system with business tools that fit your operation; available functions differ across brands and plans.
• Get Help Setting Up Your POS
  Work with a specialist to select and configure a POS setup, with installation and training available for some systems.
• Connect In-Store And Online Sales
  Use supported online ordering or eCommerce capabilities to manage online and in-store sales together.
• Let Customers Order Themselves
  Offer self-service ordering on supported kiosk systems.
• Route Orders To The Kitchen
  Send orders to the kitchen and present preparation tickets through a compatible display system.
• Access Hardware With Monthly Payments
  Use eligible hardware with monthly payments instead of paying its full price upfront.
• Connect Supported Business Tools
  Connect compatible POS systems with supported business tools and services.

Credit card terminals

NextPay offers countertop, wireless, handheld, and mobile card terminals and readers from brands including PAX, Dejavoo, Clover, Square, Valor, and SwipeSimple. Depending on the model, devices support built-in receipt printing, Wi-Fi or 4G connectivity, contactless and chip payments, and customer-facing PIN entry. Many can be configured for dual pricing or cash discount programs, and some pair with a POS or connect to cloud tools for management and synchronization. NextPay specialists help businesses select and set up terminals and processing options.

• Choose A Format That Fits
  Select a device suited to fixed checkout, handheld service, mobile sales, or customer-facing PIN entry.
• Accept Multiple Payment Types
  Accept the card, contactless, mobile wallet, debit, or EBT payments supported by the selected model.
• Offset Eligible Card Processing Costs
  Apply a supported fee program at checkout, subject to the setup and applicable requirements.
• Accept Payments In More Places
  Use wireless and mobile models to support payment acceptance away from a fixed counter.
• Connect Terminals To Payment Tools
  Pair compatible devices with a POS or gateway for connected payment workflows.
• Use Certified Payment Hardware
  Select models offer listed certifications and supported payment acceptance features.
• Print Receipts At Checkout
  Produce receipts at the terminal without requiring a separate receipt printer.
• Manage Compatible Devices In The Cloud
  Use cloud tools to manage supported terminal settings and updates or synchronize information.

Payment processing

NextPay provides payment processing with pricing options including dual pricing, cash discount, surcharge, interchange-plus, flat rate, and membership pricing. Businesses can request a free statement review to compare their effective rate and receive a tailored recommendation. NextPay configures fee-offset programs with applicable pricing, signage, and receipt disclosures. Its Zero Fee Programs service is incorporated here, including program selection, checkout configuration, supported terminal compatibility, and compliance setup. Program availability and requirements depend on payment type, merchant setup, and applicable rules.

Category: Payment Processing Services

• Offset Card Processing Costs
  The card price is designed to cover processing costs, helping merchants reduce their effective processing costs.
• Reward Customers For Paying Cash
  Cash-paying customers receive a discount while card payments help cover processing costs.
• Compare Your Processing Costs
  Review actual processing statements to understand effective rates and compare tailored processing options.
• Set Up Fee Programs Compliantly
  Configure applicable checkout pricing and disclosures for supported programs and compatible devices.
• Pass On Eligible Credit Costs
  Offset eligible credit-card processing costs with a surcharge configured within applicable rules and limits.
• See Interchange And Markup Separately
  Review interchange costs and the processor's flat markup separately.
• Forecast Processing Costs Simply
  Use a single rate to make transaction costs easier to understand and forecast.
• Remove Percentage Markup
  Pay a flat membership and interchange at cost instead of a percentage markup.

Next2Pay

Next2Pay is NextPay’s invoicing and payments platform. Businesses can create itemized invoices, send payment requests and secure pay links by text or email, and accept card or bank (ACH) payments. The platform supports recurring billing and subscriptions, a virtual terminal for keyed payments, dual pricing, and two-way QuickBooks synchronization. Payments settle to a NextPay account, while automatic reminders, receipts, and live payment tracking help businesses manage collection.

Category: Billing and Invoicing Software

• Accept Card And Bank Payments
  Give customers a choice of supported card, Apple Pay, or bank transfer payment methods.
• Send Secure Links By Text Or Email
  Let customers pay an invoice from their device through a secure link without requiring an app or account.
• Automate Scheduled And Subscription Payments
  Bill customers on a selected schedule, retry failed charges, and track subscription activity.
• Create And Track Itemized Invoices
  Send itemized invoices and monitor payment status with reminders and receipts.
• Sync Invoices And Payments With QuickBooks
  Keep invoice and payment records reconciled between Next2Pay and QuickBooks.
• Store Cards For Repeat Payments
  Use stored payment methods for future and recurring transactions.
• Take Keyed Payments From Any Device
  Enter payment details from a device without dedicated terminal hardware and attach payments to invoices.
• Settle Payments To One Account
  Settle collected payments to the business’s NextPay account and update payment request status.

Payment gateways

NextPay supports payment gateways for businesses accepting payments online, in person, on mobile devices, or through self-service channels, depending on the gateway. Options include Next2Pay, Valor, FluidPay, iPOSPays, Authorize.net, NMI, and Luqra. Features vary by gateway and can include hosted checkout, virtual terminals, ACH payments, invoicing and pay links, recurring billing, card tokenization, fraud tools, and integrations. NextPay can connect a gateway to a NextPay merchant account and review processing rates; some gateway options are listed at $25 per month.

• Accept Payments Across Channels
  Choose gateway options that connect supported payment channels.
• Send Invoices And Payment Links
  Send customers invoices or payment links so they can pay online.
• Schedule Recurring Payments
  Set up subscriptions and scheduled billing through gateways with recurring-payment capabilities.
• Store Cards As Secure Tokens
  Use tokenized card storage for repeat or recurring transactions.
• Connect Gateways To Business Tools
  Connect payment acceptance with supported websites, accounting tools, and custom applications.
• Support Fee-Offset Pricing
  Configure supported pricing options to offset processing fees.
• Connect Gateways And Review Rates
  Get help connecting a gateway and reviewing processing rates.
• Accept Bank Payments
  Offer bank-debit payments alongside cards through gateways that support ACH.
• Enter Payments From Any Device
  Key in card-not-present payments through supported browser-based or mobile terminals.
• Offer Hosted Online Checkout
  Provide online checkout through hosted payment pages from supported gateways.
• Screen Transactions For Fraud
  Use available fraud filters, rules, or risk scoring to screen transactions.
• Manage Multiple Merchant Accounts
  Manage supported merchant IDs and reporting, with transaction routing available on some gateways.
• Capture Payments Offline
  Capture payments offline and upload them later for settlement through Valor's deferred authorization.

Payment integrations

NextPay connects payment gateways and business applications to a NextPay account. Integrations include accounting tools, field-service and healthcare platforms, CRMs, eCommerce plugins, and workflow automation tools. Connections support payment-enabled invoicing, payment links, reconciliation, and payment-data exchange, helping businesses use existing tools without copying data between apps.

• Connect Your Preferred Gateway
  Use Next2Pay or connect a supported alternative with available payment collection features.
• Sync Payments With QuickBooks
  Send sales and invoices to QuickBooks and reconcile payments automatically.
• Connect Payments To Field Work
  Manage supported field-service workflows alongside payment collection.
• Add Checkout To Your Store
  Connect NextPay checkout to an online storefront.
• Keep Connected Tools In Sync
  Connect payments, accounting, and operations around shared information.
• Keep CRM Data Flowing
  Move customer and payment data into connected CRM tools.
• Automate Cross-App Workflows
  Use Zapier and webhooks to trigger workflows across connected applications.
• Build Custom Payment Flows
  Connect NextPay payments with applications and processes through the API.
• Connect Practice Billing And Payments
  Connect healthcare billing workflows with EMR/EHR systems and collect payments through supported methods.

Payroll and workers' compensation

NextPay provides payroll for hourly or salaried W-2 and 1099 workers, with direct deposit, pay stubs, and automatic federal, state, and local payroll tax filing. Employees can use a self-service portal to access pay stubs and W-2s and set up direct deposit. The service also includes digital onboarding, new-hire reporting, and pay-as-you-go workers' compensation tied to actual payroll. Payroll connects with the way a business processes payments so hours, tips, and pay line up.

• Run Payroll For W-2 And 1099 Workers
  Process payroll for employees and contractors.
• Calculate And File Payroll Taxes
  Automate calculation and filing of payroll taxes.
• Tie Coverage Payments To Payroll
  Pay for workers' compensation based on actual payroll.
• Align Hours, Tips, And Pay
  Connect payroll with payment processing.
• Pay Teams By Direct Deposit
  Deliver direct deposits and pay stubs to employees.
• Give Employees A Self-Service Portal
  Let employees access payroll documents and manage direct deposit.
• Handle New-Hire Administration
  Handle onboarding and new-hire reporting through the payroll service.

HR and compliance

NextPay’s HR and compliance service helps businesses manage employee onboarding, documents, time and attendance, paid time off, handbooks, and labor-law compliance. It includes digital offers, forms, and new-hire paperwork; secure storage for contracts, policies, and records; tracking for hours, breaks, overtime, and PTO; proactive compliance alerts; and templates for building handbooks and policies. Time tracking syncs to payroll, and HR can be paired with payroll through NextPay.

• Stay Ahead Of Labor-Law Changes
  Get alerts about labor-law changes as your team grows.
• Prepare New Hires Before Day One
  Handle offers, forms, and new-hire paperwork digitally.
• Track Hours, Breaks, And Overtime
  Monitor employee time and attendance.
• Organize And Secure HR Documents
  Store HR documents in an organized, secure space.
• Sync Time Data With Payroll
  Connect employee time data with payroll.
• Manage Time-Off Requests Without Spreadsheets
  Handle time-off requests, approvals, and tracking.
• Build Handbooks And Policies From Templates
  Use templates to build workplace handbooks and policies.

Bookkeeping

NextPay provides done-for-you bookkeeping, including monthly account reconciliation, expense categorization, and monthly profit-and-loss statements and balance sheets. NextPay sales sync automatically into the books, reducing double entry. The service includes contractor 1099s and a tax-ready year-end package for the business’s existing CPA, with support from a dedicated bookkeeper.

Category: Bookkeeping Services

• Keep Accounts Balanced Each Month
  Monthly reconciliation helps keep account balances aligned.
• Understand Your Monthly Financial Position
  Review monthly statements showing the business's financial position.
• Reduce Double Entry With Synced Payments
  Bring NextPay sales into the books automatically.
• Prepare Books For Year-End And Tax Filing
  Provide organized books and contractor 1099s for the existing CPA.
• Keep Transactions Sorted And Coded
  Organize transactions in the books.
• Work With A Bookkeeper Who Knows Your Business
  Get a consistent point of contact for bookkeeping.

Fraud & Chargeback Protection

NextPay’s Fraud & Chargeback Protection helps merchants manage disputes and reduce fraud-related losses. It provides real-time dispute alerts, automated evidence packages, professional representment for wrongful chargebacks, and fraud screening to flag risky transactions before they become chargebacks. A team manages the dispute lifecycle, and win-rate reporting shows outcomes and recovered revenue.

• Automate Dispute Evidence Submission
  Reduce manual work by having evidence packages assembled and submitted.
• Contest Wrongful Chargebacks
  Challenge wrongful chargebacks and seek to recover revenue.
• Block Risky Transactions
  Screen transactions for risk and block risky activity.
• Know When Disputes Are Filed
  Receive real-time alerts when disputes are filed.
• Track And Manage Disputes
  Delegate dispute management and review outcomes and recovered revenue.

NextFund business financing

NextFund connects businesses and property borrowers with equipment financing, revenue-based financing, term loans, business lines of credit, and short- and long-term real-estate loans. Options include defined repayment terms, revolving access to capital, and property-based financing. Applicants use one online application that branches into business or real-estate funding, followed by a guided review of suitable structures. Financing is subject to underwriting, business qualifications, and product availability by market.

• Match Repayments To Revenue Flow
  Use working-capital financing with repayments tied to business revenue.
• Choose Flexible Business Financing
  Access defined-term funding or draw revolving capital as needs arise.
• Apply Through One Guided Path
  Submit one application and review options suited to the request and borrower profile.
• Spread Equipment Costs Over A Defined Term
  Finance equipment purchases over a selected term.
• Finance Property Projects
  Choose property financing for eligible projects and real estate.
• Prepare Applications For Review
  Submit information and documents for review, with timing depending on the financing structure.

NextPay Merchant Rewards

NextPay Merchant Rewards turns payment volume into points for businesses with a NextPay merchant account. Every processed dollar earns points automatically, with no changes to how payments are accepted or separate spending required. Points are credited regularly and can be redeemed through an online portal for items from a catalog of more than 6,000 rewards, including travel, luxury goods, electronics, gift cards, and merchandise. Merchants can use rewards for themselves, their families, or their teams. A rewards specialist can help estimate points, navigate the catalog, and discuss ways to accelerate earning.

• Earn Points Automatically
  Continue processing payments as usual while each processed dollar earns points.
• Redeem Points For Rewards
  Browse the online catalog and select rewards that suit your needs.
• Earn With Your NextPay Account
  Use the rewards benefit included with a NextPay merchant account.
• Track Your Growing Balance
  Check the rewards balance as points are credited.
• Choose Who Benefits
  Use rewards for yourself, your family, or your team.
• Get Personalized Rewards Guidance
  Discuss point estimates, earning strategies, and catalog options with a specialist.

NextLink

NextLink is a client-engagement and B2B outreach platform that combines automation with personalization for outbound campaigns, follow-up, and professional relationship growth. Teams can coordinate multichannel campaigns, keep conversations in one place, and build repeatable outreach workflows. Tools include AI-personalized messaging, a built-in dialer, smart follow-ups, CRM and Zapier integrations, campaign analytics, and a visual sequence builder.

• Reach Prospects Across Channels
  Coordinate outreach across multiple channels from one dashboard.
• Personalize Messages For Each Prospect
  Tailor outreach messages to prospect information and engagement.
• Automate Prospect Follow-Ups
  Create multichannel sequences that maintain follow-up and nurture leads.
• Sync Prospect Data With Connected Apps
  Connect prospect data and deal tracking with supported systems.
• Track And Unify Campaign Activity
  Monitor campaign activity and manage conversations across supported channels.

Business Brokerage

NextPay’s business brokerage partners guide business owners through buying, selling, or valuing a business. Services include data-backed valuations, sell-side positioning and marketing, buyer-side acquisition search and vetting, deal structuring, and a confidential process. The brokerage team provides guidance from valuation to close and connects clients with qualified buyers, sellers, and advisors.

• Understand Your Business's Value
  Use a valuation as an informed starting point for a business decision.
• Prepare And Market Your Business For Sale
  Position a business and market it discreetly as part of the sale process.
• Find And Vet Acquisition Targets
  Search for and assess businesses that align with buyer goals.
• Get Guidance From Valuation To Close
  Navigate the brokerage process with support from valuation through close.
• Structure And Negotiate Deals
  Get guidance on transaction terms, financing, and negotiations.
• Plan The Business Transition
  Address the handoff as part of the transaction.