ProPay is the easiest available way to process credit cards. With no sign up, monthly*, or equipment fees it's a low risk, low cost way to start accepting credit cards. ProPay has none of the monthly*, gateway, or equipment fees of traditional merchant accounts. All you need is a computer or telephone to process cards. Plus traditional merchant accounts will lure you in with low rates that you probably won't qualify for. With ProPay you know what you're paying up front.