A New Way to Process Credit Cards.

Offer your customers a discount to pay cash or check. Customers who decide to use a credit card will pay a low 3.95% surcharge added to their ticket, covering your processing fees and leaving you with higher profit margins.

  • Charge $100 – See $100
  • Eliminate 95% of your processing fees
  • 100% compliant with Visa, MasterCard, Discover, and AMEX
  • Upgraded Equipment and Back-End Technology
  • Computer Literacy not Required

Instantly Improve Your Bottom Line

By passing the fee to process credit and debit cards on to your customer you will save thousands of dollars a month. Eliminate fees and get your business lean.

Slash Your Processing Fees

Automatically add a 3.95% service charge to all transactions processed by credit or debit. This amount is then used to offset your payment processing charges automatically. No muss, no fuss.

100% Compliant

Merchant processing accounts frequently run into compliance issues that could cost you at minimum a headache and at worst thousands of dollars of fines. All equipment provided by CapFirst is PCI compliant and come with Chip technology to ensure you never run into issues.

New Equipment

With issuers changing rules and standards constantly, your equipment must stay up to date with EMV standards to remain compliant. We have you covered with the best equipment and its all included in your monthly price.

Lightning Fast Set-Up

Simply fill out a one page application, create a free log-in, and select your equipment. Terminals are shipped free within 24 hours! To install and start saving all you have to do is plug it in. Speak with a specialist to learn more.

24/7/365 Premium Support

Once you start with CapFirst you will meet your Payment Advisor who will be your partner as long as you are a client. Anytime you have questions you will be able to call, email, live chat, even text your advisor without having to go through annoying menus or hold time.

Cancel Anytime, Any Reason

If you wish to stop the program at any time for any reason we will terminate the account free of charge. Just return the equipment and you will be on your way.

No Hidden Fees. No Contract.

Whether you process $1,000.00 or $1,000,000.00 you only ever pay for the use of the software and the equipment you decide to use. No extraneous fees, assessments, or  points.

Mobile, Web, and Gateway

  • Smart Phone Compatible Card Reader
  • API Integration for Ecommerce
  • PayHub+ Payment Gateway
  • Free Set-up
  • 24/7 support


Retail & Restaurant

  • Dejavoo Z-Series Terminal
  • Fee Bypass Function (DFA Capability)
  • Pay $0 in Merchant Fees
  • Counter Top Displays
  • 100% PCI Compliant


Point of Sale

  • New MYNT POS System
  • Fee Bypass Function
  • CapPay Compatible
  • Plug and Play System
  • 24/7 Support


Power Your Business and Save - Immediately

  • Save up to 90% of your payment processing costs
  • 100% compliance with major card issuers
  • Brand new state of the art equipment
  • Accept EMV, ApplePay, and AndroidPay
  • Take payments on the go with our mobile swiper
  • Upgrade to a state of the art POS system
  • Waive the service fee for special customers or circumstances


Customer’s take their security and privacy seriously. Nothing will lose you a sale faster than an outdated payment processing system. The Dejavoo Z-Series comes standard for all new CapPay clients.

Start your application today and receive a mobile Z9 Terminal with cellular LTE OR a top of the line Z11 WiFi in-store terminal FREE


Don't Just Take Our Word For It...

Companies from fast food to doctor’s offices to tow trucks are saving thousands every month to put towards payroll, marketing, or their pockets.

CapFirst Merchants
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Client Testimonials

Hundreds of Merchants across the country in a variety of industries tell their stories of how the CapPay program by PayLo has helped change their business.
Questions? Contact us anytime (800)752-8926

Frequently Asked Questions

Are there any contracts?

NO! There are no contracts or annual fees associated with our program. Cancel whenever you like with no penalty.

Have consumers had a negative reaction to the surcharge?

The answer to this is a resounding NO. We have hundreds of customers and very rarely do we hear a complaint. Customers are paying extra at the pump, medical offices, government agencies, and even liquor stores. Customers are used to this and as time progresses this will become common sense.

What are the compliance requirements?

  • 1. Clear and conspicuous signage is required by law to be displayed at the business entry point and at the point-of-sale to easily and accurately explain the discount program payment options – if a customer “chooses to pay with cash or check the service charge is discounted”.
  • 2. The customer service fee or discounted amount must be present on any generated receipts from the transaction. PayLo software provides customer receipts that clearly outline:
    • – Base cost
    • – Cash discount
    • – Total Sale

Is this compliant with federal law?

By uniformly assessing a set customer service fee across all products and payment types, merchants utilizing the PayLo Cash Discount program meet the standard regulations set forth by all major card service providers, state law and federal law. As part of our regular standard list product pricing a small service fee (much like an automatic service gratuity applied in some dining locations) is assessed on ALL sales regardless of how payment is made including checks, cash, credit-debit cards, gift cards, etc.

As stated in the Durbin Amendment (part of the 2010 Dodd-Frank law) businesses are permitted to offer a discount to customers as an incentive and to encourage customers to pay by alternative methods other than a credit/debit cards including either checks or cash in order to automatically receive a discount which is applied at the time of sale.

No discrepancies are made whether a PIN was entered or not. Under the Durbin Amendment there is no distinction between using a PIN or not and if the card is a bank debit card it is always considered a debit transaction – with or without a PIN number and never would such a transaction be considered a credit sale.

What do Visa and MasterCard think?

As of January 27, 2013 several Card industry changes went into effect with regards to the credit card company’s federal class action litigation settlement. The settlement requires Visa and MasterCard to change some rules for merchants who accept their cards, including allowing merchants to “offer discounts to customers who pay with payment forms less expensive than Bank Debit cards”.

Contact Capfirst Payments
CapFirst Payments is a division of CapFirst Financial and an ISO with Signapay and Access Payments. CapFirst specialize in cash discount and discounted merchant processing with an emphasis on merchant savings.

Need a Business Loan? Visit us at CapFirst Financial to see what you qualify for.


(800) 752-8926


3420 Bristol St., Costa Mesa, CA 92626

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