We can prove it in 24 hours. Send us your last processing statement, and 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 $93,000/month in card volume — the median of our merchant base.
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.
We bring a brand-new Clover, install it, and train your team. Zero upfront cost.*
No bots. No 40-minute holds. Real people who pick up and solve fast.
Month-to-month. If we don't earn your business, walk away. Simple.
From signed agreement to first transaction. We handle the switch.
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 process through Fiserv, the #1 payment processor in the USA — they move over $2 trillion per year on these rails.
We partner with Florida Merchant Services, a Fiserv-authorized ISO with deep US merchant experience and full underwriting infrastructure.
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.
Pick what's easiest — WhatsApp or email. Same 24-hour turnaround.
Opens WhatsApp with a pre-filled message. Attach a photo or PDF of your statement.