Save money

with every

swipe.

REQUEST YOUR FREE

SAVINGS ESTIMATE

 
 
 
Sample Savings Analysis

 

Savings percentage may vary based on program and equipment. Speak with your local PayLo representative for exact savings analysis.

The research shows:
On average, a merchant will save 90% off their total processing costs by switching to PayLo.
 
 

“Before we used PayLo, our fees were more than $1,000 every month. Ever since we switched to PayLo, those fees are gone". 

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Tatia Guillen

Alice Burgers – Palmdale, CA

“I used to pay per store  up to $1,000 in credit card fees a month. With PayLo, I pay under $100. 

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Theresa Guerra

Boost Mobile – Palmdale, CA

“ After all these years, I’ve been paying huge monthly fees but PayLo offered me a much better deal.”

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George Lopez

T Town Music – Dallas, TX

I’ve been using PayLo for the last 4 months and I’m saving about 80% on credit card fees.”

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Angel Yankas

Angel Cleaners – Montebello, CA

 
 
 

PayLo is simple to sell with no hidden costs or fees.

Talk to us today to see how much you can save.

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REQUEST YOUR FREE SAVINGS ESTIMATE

 

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.

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.

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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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.

A REAL SAVINGS SOLUTION

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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!"

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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."

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Theresa Guerra

Boost Mobile – Palmdale, CA

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

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George Lopez

T Town Music – Dallas, TX

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

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Angel Yankas

  Angel Cleaners – Montebello, CA

SignaPay is a registered ISO of Commercial Bank of California, Irvine, CA, Citizens Bank, Providence RI, Esquire Bank, NA, Jerico, NY Wells Fargo Bank, NA, Concord CA..