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Credit card processing for small business

Keep more of every card sale.

Card fees can eat about 3% of what you sell. We can eliminate your card fees.* And once you switch, you get your own rep who picks up.

Your own account rep Month to month for most businesses Tap, dip, swipe and Apple Pay
Machines we set up: CloverDejavooValorPAX

Get your free quote

Step 1 of 2
How do you take cards now?
About how much do you take in cards each month?
Are you the owner?

Takes 30 seconds. No cost to ask. We never sell your info. Privacy Policy · Terms

Take every way they pay
VisaMastercardAmerican ExpressDiscoverApple PayGoogle PayTap to payOnline
Sound familiar?

Your card company should work for you.

Most owners we talk to have one of these four problems. Some have all four.

Nobody picks up.

Your machine stops. You call an 800 number and wait on hold. Your line of customers waits too.

You get your own rep. A real person.

Fees you can't see.

Monthly fees. Statement fees. Fees with names nobody can explain. They add up every month.

We show you every fee, in plain words.

An old machine.

Still on a phone line? Can't take Apple Pay? Customers notice, and some walk out.

We can set you up with a new one.

Money on hold.

A big job comes in. The bank sees a big sale and freezes your money. Now you wait to get paid.

We ask about your big sales up front.

See your fees

What do card fees cost your business?

Move the slider to your sales. See what fees could cost you this year, and in ten years.

$50,000
$5,000$250,000
3.0%
1.5%4.5%

Not sure what you pay? Many businesses pay about 3% once every fee is added up. Your statement has the real number. Your rep can read it with you.

Card fees could cost you about
$18,000 a year
$1,500a month
$180,000in 10 years
Eliminate your card fees.*With a cash discount or dual pricing program, where the law allows.

What could that money buy? Think about it. A raise for your crewAnother hireNew equipmentA second locationA family trip

Get my real number
How we figured this

Card sales times the fee rate you picked equals your monthly cost. Times 12 for a year. Times 120 for ten years. This is an estimate, not a quote. Your real number depends on your card mix and your statement.

How it works

How a cash discount works.

It is simple. Your sign shows two prices. Cash buyers pay a little less. Card buyers pay the card price. Some businesses call this dual pricing.

How a cash discount program works · What is dual pricing? · Is it legal?

  1. 1

    Your sign shows the card price.

    The card fee is built into the price. Your customer sees it before they pay.

  2. 2

    Cash buyers get a discount.

    Pay with cash, save a little. Your machine shows both prices on the screen.

  3. 3

    You keep more of each sale.

    The fee is covered by the card price, not by you.

*A cash discount follows card brand rules and your state's laws. Some states limit card fees. We set it up the right way for your state. Program fees may apply. Your rep explains every cost before you sign.

Machines

The right machine for your counter.

Countertop, handheld or a full register. Tell us how you sell. Your rep picks the machine that fits, and sets it up with you.

A customer taps a card on a Clover Flex at a barbershop counter
Clover Station Duo point-of-sale system

Clover

Best for: businesses that want a full register.

Clover Station DuoClover Station SoloClover MiniClover FlexClover CompactClover Go
  • Big touch screen and receipt printer
  • Track sales, tips and staff hours
  • Hundreds of apps for your business
  • Tap, dip, swipe, Apple Pay, Google Pay

Brands we work with

Already have a machine or a register you like? We may be able to work with it. Your rep tells you what you can keep and what to switch.

Card machines

On the counter, in your hand, or in the truck.

CloverDejavooValorPAXVerifonebotX

Registers (POS)

A full checkout with sales, stock and staff.

Clover StationKORONA POSPAYSPOSQuickvDejavoo D1

Online payments

Invoices, payment links and website checkout.

Authorize.netUSAePayNMICloverValorDejavoo

Phone apps

Take a card on your phone, anywhere.

Valor MobileiPOSgo!DejaPayPro

Cards and crypto

Take cards and crypto on the same account. Ask your rep which coins and machines work for your business.

VisaMastercardApple PayGoogle PayCrypto
No surprise fees

Fees you won't find on our bill.

Banks pile small fees on your statement. Each one looks small. Together, they add up fast.

Your rep shows you every cost before you sign. No surprises on your bill.

FeeOthers chargeUs
PCI compliance fee$19 to $99 a month$0
Statement fee$10 to $25 a month$0
Batch feeEvery day you close$0
Annual feeOnce a year$0
Junk add-onsHard to spot$0

"Others charge" amounts are the ranges PaybotX lists on paybotx.com.

Who we serve

Built for busy businesses.

The more you sell by card, the more fees cost you. That is where we help most.

Auto repair

Mechanics and muffler shops. Big repair bills, paid by card.

Tint and wraps

Wraps, wheels and custom work. One sale can be thousands.

Tire shops

Fast jobs and steady sales, all day long.

Towing

Take a card on the roadside with a wireless machine.

Retail stores

Ring up sales, track stock and see your day at a glance.

Smoke shops

Ask us. Some products need a special setup. Where the law allows.

Don't see your business? Ask us anyway. We work with most businesses.

Switching is easy

Three steps. We do the work.

Owners put off switching because it sounds like a hassle. We make it easy.

01

Send a photo of your statement.

Snap a picture with your phone. That is all we need to start.

02

See your numbers.

Your rep shows you what you pay now, and what you could keep. Plain words. No pressure.

03

Get set up.

We set up your machine and show your team how it works. Setup usually takes 1 to 3 business days.

A customer pays with a card at the counter
Meet your rep.A real person with a name, who knows your business.
A real person

Your own rep. A real person.

A bank rep earns nothing more when you stay. Our reps do. So they pick up.

800
Bank help lineOn hold again
Still waiting
Rep
Your own repKnows your business by name
Picked up
10,000+merchants trust PaybotX
1rep who knows you
$0to get a quote
Questions

Straight answers.

What is your rate?

We can eliminate your card fees with a cash discount or dual pricing program, where the law allows. Your real numbers depend on your sales. Your rep looks at your statement and gives you a real quote.

How does a cash discount work?

Your price tag shows the card price. A customer who pays cash gets a small discount. The card fee is built into the card price, so you keep more of each sale.

Can you work with businesses in my state?

Yes. We can work with businesses in all 50 states. Your rep sets up your program the right way for your state's rules.

Am I locked into a contract?

Most businesses are month to month. A few special setups need a contract. Your rep tells you up front, in writing.

Do I need a new machine?

Maybe not. Tell us what you use now. If you need a new one, your rep picks the right one and sets it up with you.

How fast do I get my money?

Standard card payouts take 1 to 2 business days. Some businesses can qualify for same day payouts.

Will my money get frozen?

Holds often happen when a big sale surprises the bank. We ask about your biggest sales when we set you up, so a big job is not a surprise.

Who answers when I call your number?

Elena, our AI assistant, answers first. She asks a few quick questions. Then she sets up a call with a real payment specialist.

Who do I call when something breaks?

Your own account rep. A real person who knows your business, not an 800 number.

I don't take cards yet. Can you help?

Yes. Tell us about how much your business takes in each month, cash included. We will get you set up to take cards.

Stop paying for a card company that won't pick up.

Get a free quote in 30 seconds. Our team follows up during contact hours.

Get my free quote Call (323) 900-5776
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