Clarity before commitment
Merchants should understand their pricing model, equipment needs, and expected costs before they start a formal application.
About Lubao
Enterprise payment tools. Human guidance.
Lubao helps businesses compare pricing programs, estimate savings, and choose the right payment tools through Payroc's payment platform — without making the process feel like processor homework.
789M+annual transactions
$125B+annual volume
190K+clients served
1,340global operations team
Payroc platform figures refer to Payroc’s published platform scale and do not represent Lubao LLC individually.
Compliance-focused
Guided setup around approved payment-program rules.
Secure processing
Payroc-powered payment infrastructure and controls.
Statement-based review
Pricing guidance tied to real processing costs.
Banking-grade ecosystem
Enterprise payment tools through Payroc’s platform.
What we are building
A simpler way for merchants to choose processing.
Popular processors make it easy to start. Lubao's goal is to make it easy to choose well. We combine transparent comparison tools, statement-analysis thinking, and Payroc-powered options so merchants can see the trade-offs before they commit.
Cost strategy first
We start with the real business decision: absorb processing costs, share them, or use dual pricing to reduce most of them.
Right-sized solutions
A simple terminal, a mobile reader, Roc Services, Roc Giving, Clover, Counterpoint, or a gateway should match how the merchant actually gets paid.
Lubao + Payroc
Lubao is an independent merchant-facing guidance and referral layer. Payroc is the payment platform behind the processing, pricing programs, equipment ecosystem, and support infrastructure.
That gives merchants a more personal buying experience without giving up the scale and capabilities of a major payments platform.
Final merchant approval, pricing, equipment availability, underwriting, account setup, and service terms are subject to Payroc and service-provider requirements.
Why not just sign up with a flat-rate processor?
Flat-rate simplicity
Square and Stripe can be easy to start with, but the same simplicity can hide whether the merchant is overpaying as volume grows.
Program choice
Lubao helps merchants compare Interchange+, RewardPay Choice, and ConsumerChoice so pricing is tied to how the business wants to handle costs.
Setup guidance
Instead of choosing from a generic menu, merchants can match pricing, tools, and equipment to their actual checkout, invoicing, mobile, or online workflow.
Statement thinking
The site is being built around real-world comparison: current processor cost, example transactions, and savings estimates before deeper onboarding.
Industry solutions
Payment strategy should fit the way each business gets paid.
Lubao does not treat every merchant like the same account. A retail shop, contractor, nonprofit, restaurant, and medical office may all need payment processing — but they do not need the same pricing strategy, tools, equipment, or customer checkout experience.
Shops, boutiques, markets, and specialty retail
Retail merchants often need a balance of fast checkout, customer-friendly pricing, inventory tools, and clear cost control.
- Roc Terminal+, Clover, Bodega AI, or Counterpoint
- ConsumerChoice or RewardPay Choice when fee offset matters
- POS and equipment matched to checkout complexity
Contractors, mobile teams, and service businesses
Field-service merchants often need to invoice, collect deposits, take payments on-site, and keep customer records organized.
- Roc Services for invoices, estimates, scheduling, and deposits
- Mobile terminals or app-based payment acceptance
- Recurring billing and QuickBooks Online workflows where needed
Medical, dental, offices, and professional services
Professional offices usually care about reliability, patient or client experience, recurring payments, invoices, and clear statement-level savings.
- Countertop terminals, gateways, invoicing, and payment links
- Interchange+ or Choice programs depending on customer experience
- Statement analysis to evaluate the real savings opportunity
Restaurants, QSR, cafés, and service counters
Restaurants need equipment and pricing that fits speed, tipping, customer flow, receipt handling, and whether a full POS is required.
- Clover Flex, Mini, Solo, Duo, or Roc Terminal+
- Tip prompts, split payments, and handheld workflows
- Pricing strategy based on customer tolerance and ticket size
Churches, ministries, nonprofits, and donor campaigns
Donation-focused organizations need easy giving links, recurring giving, campaign tools, and ways to keep more of each contribution.
- Roc Giving for donation pages and campaign workflows
- Recurring giving, donor-friendly checkout, and QR/link options
- Fee-offset strategies where appropriate
Online payments, invoices, gateways, and B2B workflows
Online and B2B merchants often need virtual terminal access, payment links, ACH, recurring billing, and gateway-level controls.
- Payroc Gateway, FluidPay, payment links, ACH, and APIs
- Level II/III considerations where applicable
- Developer or gateway path matched to the actual workflow
How we help
The role is simple: make the decision easier.
Payment processing has too many terms, hidden assumptions, and product paths. We translate the choices into business language and keep the conversion path focused on what a merchant needs to decide next.
Step 01
Estimate the opportunity
Compare current processing costs against Square, Stripe, Interchange+, RewardPay Choice, and ConsumerChoice-style scenarios.
Calculator
Step 02
Choose the pricing path
Decide whether the business wants to absorb fees, share fees, or reduce most card-acceptance cost through dual pricing.
Programs
Step 03
Build the payment setup
Select payment tools and equipment around the merchant's actual workflow: in-person, online, mobile, invoice, recurring, POS, retail, or nonprofit giving.
Products + Equipment
Step 04
Move into onboarding
Once the recommendation makes sense, the merchant can move into the fuller signup and application process with less confusion.
Application
Operating principles
Professional, transparent, and conversion-focused.
Lead with the math
Merchants care about cost, savings, cash flow, and simplicity. The site should show numbers before asking for a sales call.
Reduce friction
The buying path should feel closer to a guided checkout than a traditional merchant-services application.
Stay transparent
Program fees, debit handling, dual pricing, surcharging limits, and underwriting realities should be explained plainly.
Support the merchant
The goal is not only to win the account, but to help the merchant understand what they chose and why it fits.
Important note: Lubao provides guidance, comparisons, and setup support for Payroc-powered merchant-service options. Savings estimates, pricing programs, equipment recommendations, and product availability are not guarantees. Final terms depend on merchant eligibility, business type, card mix, processing volume, underwriting approval, Payroc/service-provider rules, and applicable agreements.
See whether Lubao can improve your processing setup.
Build the setup that fits your business, or start the merchant application if you already know the direction you want to go.