Accepting credit and debit cards is critical for just about every business in the U.S. and the choices a merchant has to make in order to make it easy for a customer to pay in the store, at the table, using a mobile device, or online have become extremely complex.

We can help!

Payroc drives commerce for businesses with anytime, anywhere payment solutions. We serve our clients with integrity as trusted advisors and recognized experts in payments, providing transparent pricing clarity, and developing personal relationships while delivering exceptional integrated payment technology.

To reduce the cost of card acceptance, programs referred to as “cash discount programs” or “surcharging” have become increasingly popular with businesses, especially those business spaces whose customers do not complain frequently and whose competitors have already implemented these programs.

Recognizing the increasing popularity of these programs, Payroc has taken the time and invested the energy in developing two fully Card Brand compliant programs:

In October 2018, Visa released a bulletin intended to remind U.S. acquirers, businesses, processors and their sales agents that discount offers should be evaluated to ensure compliance with the Visa Rules. Visa noted “Models that encourage merchants to add a fee on top of the normal price of the items being purchased, then give an immediate discount of that fee at the register if the customer pays with cash …, are NOT compliant with the Visa Rules and may subject the acquirer to non-compliance action.”

Payroc services and supports thousands of merchants throughout North America, providing stability in payments by safely and securely processing nearly $10B in annual charge volume. To meet its merchant’s diverse and specialized processing requirements, Payroc leverages the processing networks of 4 of the largest card processing platforms in the U.S., First Data, Vantiv, TSYS, and Paymentech. Founded in 2003, Payroc is headquartered in the Chicagoland area.

To learn more on cost savings, card compliance and same day funding.