In-person checkout
Terminals and POS options for counters, shops, restaurants, offices, and service businesses.
Card Payments, Simplified
Compare your costs, choose your pricing path, and build a Payroc setup around how your business actually gets paid.
Powered by Payroc
Transparent
U.S. Support
789M+annual transactions
$125B+annual volume
190K+clients
1,340global operations team
Payroc platform figures refer to Payroc’s published platform scale and do not represent Lubao LLC individually.
Why Lubao
Clearer pricing. Smarter setup.
Lubao helps you compare your real processing costs, choose the right Payroc-supported pricing path, and avoid paying for a setup your business does not need.
Know your real cost: See estimated monthly card costs before changing processors.
Choose your pricing path: Decide whether to absorb fees, share the cost, or reduce what your business pays.
Avoid overpaying: Stop paying for hardware, software, or checkout features you do not need.
Pricing Paths
Choose who pays the processing cost.
Every merchant has to decide how card processing costs are handled. Lubao helps you compare the options and choose the Payroc-supported path that fits your business.
Absorb the cost: Keep traditional pricing with Interchange+ and pay the processing fees yourself.
Share the cost: Use RewardPay Choice as a middle path designed to reduce what your business absorbs.
Reduce what you absorb: ConsumerChoice uses a dual pricing path for eligible businesses that want to lower merchant-paid processing costs.
Featured path
ConsumerChoice
Designed to reduce what eligible merchants absorb in processing costs.
Statement Analysis
See your real costs.
Run a quick estimate, then request a statement review for the real fee picture. Lubao helps compare your current processor against Payroc-supported options.
Compare: Review your current processor, including Square, Stripe, Clover, Toast, PayPal, and others.
Measure: Look at monthly volume, rates, fees, transaction mix, and effective cost.
Recommend: Identify which Payroc-supported program may fit best: Interchange+, RewardPay Choice, or ConsumerChoice.
Show: Estimate potential monthly and annual savings before you make a decision.
Estimates are not a guarantee of savings. Do not send cardholder data.
Ways to get paid
How does your business get paid?
From in-person checkout to payment links, ecommerce, invoicing, and recurring billing, Lubao helps match your Payroc setup to the way your customers actually pay.
Mobile payments
Take payments on the go with mobile readers, wireless devices, and hardware-free options where available.
Payment links
Send one-time or reusable payment links by text, email, invoice, or hosted checkout page.
Online checkout
Support ecommerce, website payments, hosted checkout, and gateway-backed online transactions.
Invoicing & recurring
Support invoices, memberships, subscriptions, repeat billing, and card-on-file workflows.
Virtual terminal
Accept keyed payments from a browser when a physical terminal is not needed.
Retail
Restaurants
Contractors
Professional Services
Ecommerce
B2B Invoicing
Nonprofits
High-Volume
Ready when you are
Start with the setup or the savings.
Build a Payroc setup around how your business gets paid, or run the calculator first to compare your current processing costs.