Pricing programs

Choose how your business handles processing costs.

Lubao helps merchants compare Payroc pricing paths, understand the customer experience, and evaluate the setup that may fit their business, subject to eligibility, underwriting, and program availability.

Get Started Compare Programs

Want to see the numbers first? Estimate Savings

Program availability, pricing, savings, surcharge/dual-pricing eligibility, and final terms are subject to applicable law, card-brand rules, underwriting approval, Payroc/service-provider approval, and the approved merchant agreement.

Transparent options Payroc platform programs Built around your checkout

Three main paths

Start with the business decision. Then choose the program.

Most merchants do not need to start with processor jargon. The first question is simpler: do you want to absorb fees, share fees, or reduce most fees?

Absorb Traditional
cost control

Interchange+

A transparent pricing model where the merchant pays interchange, card-brand fees, and an agreed markup.

  • Best for merchants who prefer to keep checkout traditional.
  • Line-by-line visibility into processing costs.
  • Works across most payment environments and products.

Best fit: merchants who want full control, traditional pricing, and no customer-facing fee conversation.

Share 50–70%
savings

RewardPay Choice

A compliant surcharge program that lets merchants reduce credit-card processing costs while giving customers payment choice.

  • Designed to help merchants save 50–70% on credit-card processing costs.
  • Surcharge may be added to credit-card transactions, subject to rules and state availability.
  • Debit, prepaid, cash, and other non-credit methods are handled differently.

Best fit: merchants who want meaningful savings, but do not want to fully move to dual pricing.

Reduce Up to 100%
savings

ConsumerChoice

A dual-pricing program where customers see a card price and a discounted cash or ACH price.

  • Designed to help merchants reduce or eliminate card-processing costs.
  • Customers choose how they want to pay based on clearly presented prices.
  • Strong fit for merchants who want the lowest ongoing processing burden.

Best fit: merchants comfortable presenting two prices and giving customers a visible payment-method choice.

*Savings references are illustrative and based on Payroc-described program expectations. Actual savings vary by merchant type, card mix, transaction volume, average ticket, transaction method, customer payment behavior, program fees, applicable law, card-brand rules, and final approved pricing. No savings, approval, or program eligibility is guaranteed.

At a glance

The difference is who carries the processing cost.

This is the simple explanation most merchants need before choosing equipment, software, or a signup path.

Decision
Interchange+
RewardPay Choice
ConsumerChoice
Merchant goal
Absorb fees with transparent pricing.
Share credit-card costs with card customers.
Reduce or eliminate most processing costs.
Customer experience
One price at checkout.
Credit-card surcharge disclosed at checkout where allowed.
Card price plus discounted cash or ACH price.
Savings profile
Depends on rate, volume, card mix, and markup.
Payroc describes typical savings of 50–70%.
Payroc describes potential savings up to 100%.
Good fit when...
You want traditional checkout and maximum statement clarity.
You want savings, but a softer customer-facing change.
You want the strongest processing-cost reduction path.

Availability, rate structure, program fees, surcharge and dual-pricing rules, and compliance requirements may vary by business type, state, payment method, transaction type, underwriting, card-brand rules, applicable law, and selected Payroc solution. Lubao helps review the details before setup.

How to choose

Choose the program that matches your checkout philosophy.

The right answer is not always the lowest-cost option. It is the option that fits your customers, your average ticket, your margins, and your appetite for change.

Keep it traditional.

Choose Interchange+ when you want standard checkout, clean statement visibility, and no customer-facing pricing change.

Estimate traditional costs →

Share the cost.

Choose RewardPay Choice when you want to reduce the burden of credit-card processing without fully changing your pricing model.

Compare savings →

Reduce the burden.

Choose ConsumerChoice when processing costs are eating into margins and you are comfortable offering card and cash/ACH price choices.

Learn dual pricing →

Specialized pricing

Service-fee programs may fit governments and schools.

Payroc also describes a service-fee program for eligible merchants such as government entities and educational institutions. If your organization falls into that category, Lubao can help review whether that path may be appropriate, subject to program rules, underwriting, and approval.

Ask About Eligibility

See which pricing path makes sense for your business.

Run a quick estimate, compare the three paths, and move into onboarding when the recommendation is clear.

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