How much of your sales disappear into card fees?
paylo.cash puts your business on cash discount processing: the card price covers processing, and you pay a $69/mo platform fee per terminal, with the early termination fee waived in writing. You know your rate. But do you know what you really pay each month? Upload one statement and see every fee, the junk fees, and what you’d pay on cash discount.
Upload a PDF or type in two numbers. No cost, no obligation.
- Early termination fee waived in writing
- $69/mo platform fee per terminal
Your rate is not what you pay.
Your processor quotes you a rate. Then it adds per-sale fees, monthly fees, compliance fees and higher rates on some cards. Your real cost is called your effective rate. It’s almost always higher than the rate you were quoted.
How to find your real rate
Add up every fee on your monthly statement. Divide by your card sales. That’s it.
That’s $2,698 in one month. Over a year, it’s about $32,380.
| Base processing fees | $1,756.47 |
| “Qualification” surcharges | $377.82 |
| Card network fees | $192.46 |
| Compliance fees | $156.00 |
| PCI non-compliance penalties | $123.44 |
| Other add-on fees | $59.75 |
| Per-sale, batch and AVS fees | $32.42 |
| Total for the month | $2,698.36 |
A Los Angeles pain-management practice. Real statement, name removed. $717 of the total was junk fees: charges worth questioning.
Let the card price cover the card fee.
Three plain steps. Your customers can still pay any way they like.
Your prices become card prices
Your posted prices are set as card prices, a little higher so they cover processing. Customers who pay by card pay the posted price.
Cash gets a lower price
Customers who pay cash get a discount. They see the cash price next to the card price.
Signs show both prices
Signs at the counter and a line on the receipt show both prices. The rules require them. We set them up with you.
One sale today
Same sale on cash discount
Example numbers only, not a quote. The $69/mo platform fee per terminal still applies. Your proposal and agreement set the real terms.
Your fees, minus what cash discount costs. That’s the savings.
On cash discount, the card price covers processing. You pay a $69/mo platform fee per terminal. So your savings are simply what you pay in fees today, minus what cash discount costs: about $89.75 a month with one terminal, including processor pass-through costs.
It’s the total fees line on your statement. Not sure? Use the helper below.
A guess works. The free analyzer finds the exact number from your statement.
Your percentage is your own math: your fees minus what cash discount costs with one terminal, $89.75 a month (the $69/mo platform fee plus processor pass-through costs). Each extra terminal adds $69 a month. Under $10,000 a month in card sales, you see the plain dollar math. Already on cash discount? We can lower your program rate instead. This is a simple estimate, not a quote. Your real numbers depend on your statement and program terms.
Rather we run the numbers for you?
Tell us your monthly card sales. We’ll email your numbers within one business day. No call needed.
Thanks, we’ve got it.
We’ll email your numbers within one business day. Want them faster? Run the free analyzer.
From statement to new terminal in about a week.
You keep taking cards the whole time. Your current setup runs until the new terminal is working.
- 1 minute
Check your statement
Upload it to the free analyzer, or send it to us. You see every fee and your real rate.
- 15 minutes
A short phone call
Pick a time. We call you at your number, walk you through your numbers and answer your questions.
- 5–10 minutes
A quick application
Fill it out by phone or online. The agreement waives the early termination fee, in writing.
- About 3 days
Your terminal ships
We help you set up the signs. No downtime: you take cards the whole way through.
Big tickets mean big card fees.
If your customers pay large bills by card, fees add up fast. See how it works for your kind of business.
Dental practices
Crowns, implants and aligners often go on one card. HSA cards and payment plans work too.
See dental →Auto repair shops
Big repair tickets bring big fees. See how shops let the card price cover them.
See auto repair →Any other business
Restaurant, salon, clinic or store? The math works the same way. Check your own statement.
Check my fees →What owners ask before they switch.
Will my customers or patients push back on the card price?
Some may ask about it. The signs explain it in one line, and anyone who wants the lower price can pay cash. Your posted price does not go up at checkout, so there are no surprises. If cash discount is not a fit for your customers, traditional pricing is available.
Is there a contract or a termination fee?
Yes, there is a merchant agreement. We use the version that waives the early termination fee, and you see that waiver in writing before you sign anything.
What about equipment? What does it cost?
You don’t buy or lease the terminal. On cash discount you pay a $69/mo platform fee per terminal. The card price covers the processing on card sales.
How long does switching take?
About a week from start to finish. The call takes 15 minutes. The application takes 5 to 10 minutes, by phone or online. Terminals ship in about 3 days. There is no downtime: you keep taking cards the whole time.
Is cash discount legal?
Yes, when it is set up the right way. Federal law and the card brands allow businesses to offer a discount for paying cash. The prices must be shown clearly, with signs at the counter and a notice on the receipt. Some states have their own rules on how prices are shown. We set up the signs and notices with you before you go live.
What is the difference between a surcharge and a cash discount?
A surcharge adds a fee on top of your posted price when someone pays by card. A cash discount works the other way. Your posted price is the card price, and people who pay cash get a discount. They follow different rules. paylo runs a cash discount program, not a surcharge.
How do you work out my savings?
Your savings are your current monthly card fees minus what cash discount costs you: a $69/mo platform fee per terminal, plus processor pass-through costs. With one terminal that is about $89.75 a month. If you pay $2,698 a month in fees, that is $2,608 saved, or 96.7%. Each extra terminal adds $69 a month. Already on cash discount? We can lower your program rate, for example from 4% to 3.5%, quoted on the call. The free analyzer shows your own numbers.
What does the free statement check show me?
Every fee on your statement, sorted into groups. The junk fees are flagged. You also see your effective rate and what you would pay on cash discount. Upload a PDF, or type in two numbers from your statement.
Find out what you really pay for cards.
See every fee, the junk ones, and what cash discount would cost you: a $69/mo platform fee per terminal.
Rather write to us?
Questions about switching, your account or a payment? Send a note. A real person answers within one business day.
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