How it Works

Reduce Credit Card Fees and Begin Saving Money with PayLo

 Are you looking for a way to still accept credit cards, but not having to deal with the monthly bills? PayLo by SignaPay is the solution for you. Learn all about how this cash discount program can work for your business and help you save on credit card fees.

Legally Vetted

PayLo is legally vetted at the state and federal levels. It's the only cash discount program to be legally patented as well.

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 Android Pay with EMV chip required

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Calculate Your Savings

How much can you save in a month?  In a year?
Find out with our PayLo calculator. Here are just a few businesses we are helping to save thousands this year.
  • Donut Shops
  • Automotive Repair
  • Daycare Centers
  • News Stands
  • Municipalities
  • Event/Ticket Processors
  • Hair Salons/Nail Salons
  • Dry Cleaning Services
  • Convenience Stores
  • Casual Dining
  • Takeout/Delivery Services
  • Quick Serve Restaurants
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PayLo Fees
* Monthly merchant fee may vary by equipment and program package.

Cash Discount Rules and Regulations. What are the legal details behind a cash discount program?

PayLo Frequently Asked Questions

PayLo is a legally patented cash discount program provided exclusively by SignaPay that was created to offer merchants nationwide an alternative to standard credit card processing.

A “cash discount" occurs when a merchant decreases the price for cash purchases. Cash Discounts reward customers for paying by a particular means and/or for not using a particular means of payment.

A "surcharge" occurs when a merchant increases the price for credit card purchases. A “cash discount" occurs when a merchant decreases the price posted for their goods and services for alternative payment / purchases. No surcharges or fees are allowed on debit card transactions, specifically PIN based debit.

First, a small customer service fee is added to all transactions. A discount is offered when payment is made in cash.

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