With cash discounting, the card fee is added at checkout and covered by the cardholder — so your processing cost is zero. Free smart reader, next-day payouts, setup in ten minutes.
Keep 100% of what you bill0% processing costNext-day fundingFree readerNo lock-in
Today's volume
$14,208
▲ 18% vs. yesterday
Cortez Coffee Co.+$48.20
Rivera Auto Detail+$212.00
Bloom & Stem+$36.75
Scroll to watch a single sale
See who actually pays the fee.
Most processors take their cut out of your pocket. With paylo, the card fee moves to the cardholder — so scroll through one $48 sale and watch what you keep.
A customer taps to pay
paylo4021 •••• •••• 8830$48.00
One coffee, one tap. Simple — until you look at what leaves your account.
Your current processor
They take their cut out of your pocket.
Old processor
Rate 2.7%–$1.30
Per-transaction fee–$0.30
Statement fee–$0.12
Monthly fee, amortized–$0.44
$45.84
You keep — the fee comes off your sale
The same sale, on paylo
Keep 100% of what you bill.
paylo.cash · cash discount
Flat 4% card feeon the cardholder
Your processing cost$0.00
Per-transaction fee$0.00
Monthly fee$0.00
$48.00
You keep 100% of the $48 you billed
The 4% is added at checkout and covered by the customer paying with a card — so it never comes out of your margin.
And you get it fast
From tap to your bank — by morning.
💳
Tap
✓
Authorized
🛡️
Settled
🏦
Deposited
💰
$48.00 depositedpaylo · to Chase ••2019 · 6:04 AM
Next-day payouts, every day. Cash flow you can actually plan around.
Now scale it to your business
You process $25,000 / month in card sales
%Know yours? Enter it for an exact number.
$0
stays in your pocket every year — because with paylo you pay 0%.
Built to take payments anywhere your customers are.
🏪
In-store
A free smart reader that takes tap, chip, and swipe. Set up in ten minutes, no technician required.
🛒
Online
Drop-in checkout, payment links, and invoices. Connect your store or send a link in a text.
📱
On-the-go
Take payments from your phone at the market, the job site, or the customer's door.
⚡
Next-day payouts
Money settles to your bank overnight, seven days a week. Plan your cash flow with confidence.
🔓
No lock-in
Month to month, always. No cancellation fees, no surprise rate hikes buried in a statement.
🛡️
Secure by default
PCI-DSS Level 1, end-to-end encryption, and fraud monitoring on every transaction.
Pricing
Your cost is zero. Really.
With cash discounting, the card fee sits with the cardholder — added at checkout, not carved out of your sale. You keep 100% of what you bill.
paylo · cash discount
$0 cost to you
You keep 100% of what you bill
4% card fee added at checkout, paid by the customer
Free smart reader included
Next-day payouts, 7 days a week
Month-to-month, cancel anytime
Prefer to absorb the fee yourself? Flat-rate plans available too.
The "old way"
2.7% + $0.30 + fees, out of your pocket
The processing fee comes off every sale you make
Monthly + statement + PCI fees on top
Reader rental or purchase
2–3 day payout holds
Multi-year contracts & early-termination fees
What most merchants pay today — on every single sale.
Powered by PayProTec
Built on a processor merchants already trust.
paylo.cash is a white-label brand powered by PayProTec (PPT) — an established U.S. payment processor serving small and medium businesses across the country, from restaurants and salons to medical and dental practices.
Its EDGE program pioneered the cash-discount model paylo runs on, and every merchant is backed by PPT’s Gold Level Care support team.
EDGECash-discount platform
Gold CareSupport on every account
PCI L1Secured processing
Modern terminals
Dejavoo smart terminals and readers for tap, chip, and swipe — in-store or mobile.
POS integrations
Works with leading point-of-sale systems including NCR Silver, Revel, and Linga.
Cash discount & flat rate
Choose the EDGE cash-discount program or a traditional flat rate — whatever fits your business.
Funding options
Next-day deposits plus merchant cash-advance options tied to your card sales.
Get started
See your exact savings.
Tell us a little about your business and we’ll show you what you’d keep with paylo — and get your free reader on the way. No commitment, no hard sell.