Find Out How We Can Save Your Business Money Today

Credit Card Processing

Quickly and easily begin accepting credit card payments. Our payment solutions are designed to help increase your profits and grow your business.

eCommerce

Add credit card processing, ecommerce solutions, and a virtual terminal easily on your website. Make your online sales simple and secure.

POS Systems

Manage your business with a POS System integrated with cloud software. Streamline day-to-day business operations and accept a variety of payments to meet your specific needs.

Merchant Cash Advance

Get hassle-free finance options so you can develop and grow your company.

High Risk Accounts

Gain merchant accounts and credit card processing solutions for high risk businesses. Get approved, set up, and begin minimizing chargebacks.

Business Support

Experience first-rate customer service with white-glove support. We provide 24/7/365 dedicated support that is focused on you and your business needs.

Here’s Just a Few of Our Customers

Retail

Speed up your checkout line and gain more customers with our suite of solutions and quick payment products.

Restaurants

Acquire POS and terminal solutions with robust features to help you streamline and manage your restaurant efficiently.

Grocery

Integrate seamless payment solutions with advanced technology designed for grocery businesses.

Government

Process payments with confidence with our top of the line secure payment products.

Auto

Remain competitive and gain valuable payment solutions to take your auto business to the next level.

Professional Services

Gain multiple secure ways to accept a variety of payment methods.

Non-profit

Accept donations easily and securely while increasing your revenue.

Education

Begin accepting payments at schools and events with our mobile card reader.

But Who Are We, Really?

We aren’t your typical payment processing company. At SignaPay, you can expect flexible pricing, accuracy, and integrity. We are dedicated to not only providing reliable and affordable services, but making sure your business receives the best customer support within the payments industry. With an A+ rating from the BBB Accreditation, we stand by the unmatched services we extend to our customers. We are the processing company you’ve been looking for.

Rates Guaranteed Never to Increase

Once we provide you with your cost, we’ll put it in writing that your rates won’t increase for profit.

Incentives That Save You Money

A quick analysis can show you where you’re losing money and we’ll show you how you can retain costs over time.

Advanced Payment Solutions and Security Tools

We provide the widest variety of payment solutions and equipment to help ISOs grow their business.

First-Rate Customer Service

We pride ourselves on offering prompt and quick service and make our clients a top priority.

More about us

Don't take our word for it, see what our customers have to say:

I love that I can see transactions from my store and my website, in real time, on PayHub+. It’s so much easier than what I had before!

Jeff Schlarb

I’m offering the PayLo Service Fee Program, but most customers just want to go ahead and use the card and are fine with the costs. I haven’t had anyone complain and it’s been a huge savings for me.

Angel Yankas, Angel Cleaners

I couldn’t ask for better service! From my initial contact I was impressed with support timeliness, and the knowledge.

Tia Williams, Collection Professionals Inc.

SignaPay Partner Program

Grow your business with a processing provider you can depend on

Become a Partner

PayLo

Have exclusive access to the PayLo Program, beating out traditional processing competition.

Be a Merchant Advocate

Offer more options to lower
credit card fees.

Free Marketing Support

Get access to the tools you need to grow your business.

White Glove Support

Get in-depth training and sales support from traditional, high risk, and PayLo program experts.

Better Margins

Our partners see a 3X better
spread on average.

Same-day Onboarding

We get accounts
online fast!

Ready To Get Started?

Call Us: 800.944.1399

OR request a call here:

Federal Law

By uniformly assessing a set customer service fee across all products and payment types, merchants utilizing the PayLo Cash Discount program meet 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.

No discrepancies are made whether a PIN was entered or not. 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.

Credit Card Industry

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”.

Compliance Requirements

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

Dejavoo Z9/Z11

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The Z11 countertop payment terminal provides an easy to use EMV payment experience for every business owner. With “On screen Help”, easy access to frequently used options in the “Favorites” Menu, and a simple “Call Me” button to request a support representative callback, merchants love the ease of use and ISOs love the easy programming of Dejavoo.

Secure EMV Certified Z Line of Countertop Payment Terminals with EMV Chip Reader.
PCI Internal PIN Pad.
NFC Contactless Reader Standard with all the following features for Apple Pay, Android Pay, Samsung Pay, ect.
Built-in loyalty program – no loyalty cards or host communication needed.
Connects with DeNovo business portal for transaction upload, signature capture, loyalty back up, batch notification, Call Me, Messaging and more.
Optional WiFi models for Tri Comm (IP, Dial, and WiFi) with Quick and Easy WiFi set up. Terminal finds available networks.
GoGreen with electronic receipt options, sends receipts to consumers via email or SMS text message.

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