Merchant payments · cash discounting · in-store · online · on-the-go

Keep 100% of every sale.

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
paylo 4021 •••• •••• 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%.

Get my exact numbers →
10-min setup · free reader · no lock-in
Everything, one account

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.

Your details go straight to our team — we reply within one business day.

Thanks — we’ve got it.

Our team will reach out within one business day with your savings estimate and next steps.

Contact & support

Talk to a human.

Questions about switching, your account, or a payment? We’re here — and a real person answers.

Response time

Within one business day, every day.
Goes to our support team at payprotec-support@agentmail.to.

Message sent.

Thanks for reaching out — we’ll get back to you within one business day.