Build My Payment Setup
Choose how you want to handle card processing fees.
Compare Payroc-supported pricing paths through Lubao, select the payment tools you may need, and carry your pricing-program preference into the Payroc merchant application.
Want to see the numbers first? Calculate My Savings
Lubao LLC is an independently owned sales organization/representative offering merchant services through Payroc’s payment platform. Pricing programs, payment tools, equipment, funding, application approval, underwriting, and final account terms are subject to merchant eligibility, Payroc/service-provider approval, and applicable agreements.
Pricing paths
Pick the direction that fits your business.
These are starting paths, not final underwriting quotes. Your application finalizes the exact program, equipment, and fees.
Program descriptions are for general comparison only. Availability, pricing, surcharge or dual-pricing eligibility, debit/prepaid handling, signage, receipt language, equipment compatibility, funding, and final account terms are subject to underwriting, card-brand rules, state law, Payroc/service-provider approval, and applicable agreements.
Payment tools
What do you need to take payments?
Select only what matters. Lubao will use this to help identify the appropriate Payroc-supported setup during the application process, including whether the setup needs a standard terminal, gateway tools, POS, or unattended-payment review.
Ready to move forward?
Start the application, or fine-tune your setup first.
If you already know the direction you want to go, you can begin the merchant application. If not, review your pricing path and selected tools before continuing.