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Save With Every Swipe

The cost of accepting credit cards today is higher than ever. Are you looking for a way to accept credit cards without the fees? Be able to apply service fees to your in-store purchases and – if you wish – offer a discount to cash-paying customers. Join thousands of savvy business owners across the country who are keeping up with current card processing trends and saving money.

Get Started

Save With Every Swipe

The cost of accepting credit cards today is higher than ever. Are you looking for a way to accept credit cards without the fees? The PayLo Program is the solution for you. Be able to apply customer assistance fees to your in-store purchases and – if you wish – offer a discount to cash-paying customers. Join thousands of savvy business owners across the country who are keeping up with current card processing trends and saving money with PayLo.

Get Started

REINVEST IN YOUR BUSINESS WITH EVERY SALE

A REAL SAVINGS SOLUTION

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Unlike surcharging, PayLo is legally vetted in all 50 states and is compliant with all federal laws and card processing regulations.

Legally Vetted

Unlike surcharging, PayLo is legally vetted in all 50 states and is compliant with all federal laws and card processing regulations.
Try PayLo with your customers as long as you like. If for any reason you don't love it, we'll switch you back to traditional processing.

No Obligations

Try PayLo with your customers as long as you like. If for any reason you don’t love it, we’ll switch you back to traditional processing.
Hassle free payment processing is just a call away. PayLo is fast to set up with durable plug-and-play equipment.

Fast Setup

Hassle free payment processing is just a call away. PayLo is fast to set up with durable plug-and-play equipment.
PayLo pricing and fees are fully transparent to merchants and customers.

Simple Pricing

PayLo pricing and fees are fully transparent to merchants and customers.
Wireless terminals available for payments on the go. No pin pad required.

Fully Mobile

Wireless terminals available for payments on the go. No pin pad required.
Available for all credit card types, ApplePay and AndroidPay with EMV chip required.

Accepts All Payments

Available for all credit card types, ApplePay and AndroidPay with EMV chip required.

EQUIPMENT FOR EVERY BUSINESS Whether you are in-store or on the go, we have the technology that saves you money. All our solutions meet the federal and state regulations by automating fees and discounts with built-in technology and detailed customer receipts.

Mobile Swiper

Mobile Swiper

Terminals

Terminals

POS Systems

POS Systems

Gateways

Gateways

RULES AND REGULATIONS

By uniformly assessing a set service fee across all products and payment types, merchants utilizing the PayLo Program meet the standard regulations set forth by all major card service providers, state law and federal law. A small service fee is assessed on ALL sales regardless of how payment is made including cash, credit-debit cards, gift cards, etc. As stated in the Durbin Amendment §124.STAT.2073, 9b2 (www.napcp.org/page/DurbinAmendment) businesses are permitted to offer a discount to customers as an incentive and to encourage customers to pay by alternative methods other than a credit/debit cards (such as cash) in order to automatically receive a discount which is applied at the time of sale. As of January 27, 2013 several Card industry changes went into effect with regards to the credit card company’s federal class action litigation settlement. The settlement requires Visa and MasterCard to change some rules for merchants who accept their cards, including allowing merchants to “offer discounts to customers who pay with payment forms less expensive than Bank Debit cards”.

A Customer Notice is Required

Clear and conspicuous signage is required by law to be displayed at the business entry point and at the point-of-sale to easily and accurately explain the service fee program payment options. SignaPay also suggests verbally offering the customer a discount for cash payment. PayLo service fee program automates the service fee process by applying the customer service fee at the time of sale or removing the fee if the buyer pays in cash. PayLo provides register, terminal and door stickers as well as table tents and menu labels to help you stay compliant.

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Receipts Must be Clear

True service fee technology will discern between credit/debit and cash payments and itemize the amount for each on receipts.

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