How Works PayLo

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 is the solution for you. Watch our PayLo Merchant Video and learn all about how this cash discount program can work for your business.

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.

Simple Pricing

PayLo pricing and fees are fully transparent to merchants and customers.

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.

Fully Mobile

Wireless terminals available for payments on the go. No pin pad required.

Fast Setup

Hassle free payment processing is just a call away. PayLo is fast to set up with durable plug-and-play equipment.

Accepts all Payments

Available for all credit card types, ApplePay and Android Pay with EMV chip required

Theresa Guerra
Boost Mobile

I used to pay around $600-$1,000 in fees a month because I would absorb all the credit card charges. With PayLo, I pay under $100 a month.

Alice Burger

PayLo has really made a difference with the fees that we pay on our credit cards. Before the fees were pretty high. Ever since we switched to PayLo, those fees are gone. It’s really made it lot easier for us to manage our income and our net profit is looking good.


PayLo is a legally patented cash discount program provided by Quick Swipe Services 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 cash 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.