Need help choosing your payment setup?
Ask about pricing programs, statement analysis, equipment, onboarding, or Payroc-powered payment tools. Lubao can help identify the appropriate next step based on your business, current setup, and available Payroc-supported options.
Lubao LLC is an independently owned sales organization/representative offering merchant services through Payroc’s payment platform. Pricing, equipment, program availability, funding, underwriting, and approval are subject to Payroc, processor, bank, card-brand, service-provider, and applicable regulatory requirements.
Statement review
Request a statement review. We’ll help make sense of the fees.
A recent processing statement gives us the clearest picture of your current costs, effective rate, transaction fees, monthly volume, and whether a better pricing path makes sense. Submit the request below, then email your statement directly to Lubao so we can complete the review.
Request a statement review
Submit your basic business and contact information below. After submitting the request, email your most recent merchant processing statement to Lubao so we can review your current fees, estimate your effective rate, and compare available Payroc-supported pricing paths.
Document note: processing statements may contain sensitive business, pricing, deposit, and account information. Please do not send full card numbers, passwords, online banking credentials, or unrelated personal information. Statement review is for sales guidance and does not guarantee approval, savings, pricing, funding, or program availability.
Choose your next step
Not every question needs a sales call.
The site is built to answer as much as possible before you contact us. Start with the path that matches what you are trying to figure out.
Estimate savings
Compare Square, Stripe, Interchange+, RewardPay Choice, and ConsumerChoice using real-world inputs.
Review programs
Choose whether you want to absorb fees, share fees, or reduce most processing costs through dual pricing.
Explore products
Review Payroc-powered payment tools for invoices, links, recurring billing, donations, POS, and more.
Compare equipment
Find terminals, mobile tools, POS systems, and service-business devices that fit your workflow.
Explore unattended payments
Review options for kiosks, vending, laundromats, parking, car washes, EV charging, ticketing, and other self-service payment environments.
Know enough to take the next step?
Start the merchant application when you are ready, or review the pricing programs first if you still want to compare how each path handles processing costs.
Final pricing, program availability, equipment availability, funding timelines, underwriting approval, compliance requirements, and account terms are determined by the applicable Payroc, processor, bank, card-brand, service-provider, and regulatory requirements.