We can prove it in 24 hours. Send us your last processing statement — we'll show you for FREE.
Most US businesses are stuck on flat-rate plans that bury extra fees in the fine print. Here's what that costs in real dollars.
Answer two quick questions and we'll recommend the right setup. No email required.
Would a small surcharge at checkout (typically 3–4%) cause friction with your customers?
A rough estimate is fine — we'll dial in the exact savings on your analysis.
Since your customers aren't price-sensitive, Cash Discount is your best play. A small surcharge gets added at checkout for card payers — your business pays 0% in processing fees.
Get my exact savings number →Cost Plus is your move. You pay the bank's real wholesale cost plus a small transparent markup — no surcharge for your customers, no hidden fees. We beat what you pay today, guaranteed.
Get my exact savings number →At your volume, Cost Plus delivers the cleanest savings without changing what your customers see at checkout. Bank's real cost + small transparent markup.
Get my exact savings number →Based on a US business processing approximately $93,000/month in card volume — typical merchant size. Final numbers vary by industry and card mix.
*Cost Plus effective rate depends on your card mix (credit vs. debit, VISA / Mastercard / Discover, American Express handled separately). All numbers are approximate — exact savings calculated after we review your statement.
Names and businesses verified. Savings calculated from actual processing statements before and after switching.
"I'd been with the same processor for 8 years thinking I had a good deal. PYMO sent me a 24-hour analysis. I was overpaying by $7,700 a year. Switched, kept my Clover, done."
"Installation took an afternoon. The team trained my whole front-of-house. What I love is that when something glitches, an actual person picks up. No bots. That alone was worth switching."
"We run three locations. The flat-rate fee structure was killing us at scale. Cost Plus put $58K back in our pocket last year. No contract lock-in is what sealed it — they had to earn it."
Switching processors should feel like an upgrade — not a chore. Here's what's included.
There is no penalty if you decide to close your account. Simply return the equipment.
With deposits posted by 7 PM, money is available the next day.
Free standard equipment on loan for the duration of your service.
We work hard to make sure you get the lowest rate possible for your business risk category.
PYMO isn't a fly-by-night fintech. We operate on the same rails as the biggest US processors, backed by partners that have been in payments for decades.
We partner with Florida Merchant Services, a licensed ISO with deep US merchant experience and full underwriting infrastructure on Tier-1 processing rails.
We operate under the Durbin Amendment (Dodd-Frank Act, 2010). Cash Discount is fully legal in all 50 states.
Genuine Clover terminals — the most trusted card POS in the USA, used by hundreds of thousands of US merchants.
Send us your latest processing statement. In 24 hours, we'll show you exactly what you're overpaying — and what you'd save with PYMO.
Tell us about your business and we'll send next steps within 24 hours.