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.

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.


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.


“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

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

Angel Yankas

Angel Cleaners – Montebello, CA


By uniformly assessing a set customer service fee across all products and payment types, merchants utilizing the PayLo  program meets the standard regulations set forth by all major card service providers, state law and federal law. As part of our regular standard list product pricing a small service fee (much like an automatic service gratuity applied in some dining locations) is assessed on ALL sales regardless of how payment is made including checks, cash, credit-debit cards, gift cards, etc.

As stated in the Durbin Amendment (part of the 2010 Dodd-Frank law) 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 including either checks or cash in order to automatically receive a discount which is applied at the time of sale.

Under the Durbin Amendment there is no distinction between using a PIN or not and if the card is a bank debit card it is always considered a debit transaction – with or without a PIN number and never would such a transaction be considered a credit 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”.

1. 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 discount program payment options – if a customer “chooses to pay with cash or check the service charge is discounted”.

2. The customer service fee or discounted amount must be present on any generated receipts from the transaction. PayLo software provides customer receipts that clearly outline:

  • Base cost

  • Cash discount

  • Total Sale

Mastercard Regulations:

5.11.1 Discrimination – a Merchant must not engage in any acceptance practice that discriminates against or discourages the use of a Card in favor of another acceptance brand.

5.11.2 Charges to cardholders  – A merchant must not directly or indirectly require any Cardholder to pay a surcharge or any part of any merchant discount or any contemporaneous finance charge in connection with a transaction.

Discount – A merchant may provide a discount to its customers for cash payments.

A Customer Notice is Required

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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