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 ( 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.

Receipts Must be Clear

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



Your New Customer Welcome Kit comes with everything you need to get up and running quickly.


Whether you are in-store or on the go, we have the platform to help run and manage your cash discount program. All our solutions meet the federal and state cash discount regulations by automating service fees and discounts with built-in cash discount technology and detailed customer receipts.


Are you looking for a way to accept credit cards and make additional capital each month to put toward your overhead expenses?   The PayLo Program is the solution for you.  Be able to apply service fees to your in-store purchases and - if you wish - offer a discount to cash-paying customers.

"PayLo has made it alot easier for us to manage our income and  our net profit is looking good!"

Tatia Guillen

Alice Burgers – Palmdale, CA

“Very few customers complain and I am saving about $1,500 per month to put back into my business."

Theresa Guerra

Boost Mobile – Palmdale, CA

“PayLo offered me a different way to do business that allows me to earn about $500 per month."

George Lopez

T Town Music – Dallas, TX

  "I"m really happy with PayLo and I recommend it to anyone running a business."


Angel Yankas

  Angel Cleaners – Montebello, CA


Legally Vetted

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

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.

Fast Setup

Hassle free payment processing is just a call away. PayLo is fast to set up with durable plug-and-play equipment.

Simple Pricing

PayLo pricing and fees are fully transparent to merchants and customers.

Fully Mobile

Wireless terminals available for payments on the go. No pin pad required.

Accepts All Payments

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