payvientSTOP PAYING
CREDIT CARD FEES
Payvient can help you cut your processing fees so you keep your full margin on every single sale.
See what you can save with Payvient
Drag the slider to your monthly card volume. This is roughly what Payvient can help put back in your pocket.
All-in rate includes interchange, assessments, and processor markup. Most small merchants land between 2.7% and 4.0%. Adjust to match your statement for a closer estimate.
These figures are estimates for illustration only — actual results may vary based on your statement, card mix, and how your customers choose to pay.
Three steps to a 0% effective rate
Simple, transparent pricing your customers see before they pay.
We set your compliant pricing
Payvient configures clearly posted pricing with a small service fee on card payments and a discount for cash — fully disclosed at the point of sale.
Card payers cover the fee
When a customer chooses to pay by card, the program adds the processing cost. Pay with cash, and they get the discount instead.
You keep your full margin
Your processing cost effectively drops to near zero. The price on your menu is the money that lands in your account.
Everything included. Nothing buried.
No statement gotchas, no leasing traps. Just a clean program built to keep your money where it belongs.
Free statement review
Send a recent statement and we'll show you exactly what you're paying today — and what you'd keep. Free, no obligation.
Free terminal
See if you qualify for a free modern terminal or POS, pre-programmed for your dual pricing.
Near-zero fees
An effective processing rate at or near 0% — verified on your real statement.
Funding in 24–48 hrs
Your sales settle to your existing bank account, typically within one to two business days.
Built compliant
Programs structured around card-brand and disclosure rules, with proper signage included.
Real human support
A dedicated local rep plus 24/7 help — not a ticket queue you'll never hear from.
Modern terminals
From sleek countertop terminals to complex POS systems to handheld mobile readers, we set up equipment that's pre-programmed and tailored to the needs of your specific business.
- ✓ See if you qualify for free equipment
- ✓ Contactless, chip & swipe — tap-to-pay ready
- ✓ Pre-loaded with compliant dual-price prompts
- ✓ Set up and tailored to your business
Free statement review
Send us a recent statement and we'll show you, line by line, exactly how much you could save. Free, no obligation, no jargon.
Get my free savings quoteThe cash discount program, in plain English
Card processing fees usually eat 2.5–4% of every card sale. The cash discount program moves that cost to the card transaction itself — and rewards cash payers with a discount.
We assess and set up
We review a recent statement at no cost, see if you qualify for a free terminal or POS, and program clearly posted pricing that complies with card-brand and disclosure rules.
Customers see it up front
Signage and the receipt clearly show the cash price and the card price before anyone pays. Customers choose how they want to pay.
You keep the full ticket
Card payers cover the service fee; cash payers take the discount. Either way, your processing cost effectively lands at zero.
Cash discount vs. surcharging
People mix these up. They're not the same thing, and the difference matters for compliance.
Cash discount
You post one list price and offer a discount for paying cash. This is the model Payvient builds around — broadly accepted and customer-friendly.
Surcharging
A separate model that adds a fee on credit cards, with its own card-brand caps and state-by-state rules. We'll tell you which fits your business.
Compliance first
Rules vary by card brand and location. We set programs up to follow disclosure and signage requirements — and keep you updated as they change.
Still have questions? Ready to sign up?
Tell us about your business and we'll walk you through exactly how the numbers work for you.
Talk to a specialistBuilt for businesses that run on card volume
If a big chunk of your revenue comes in by card, switching to Payvient tends to make the biggest difference. A few of the businesses we work with:
Restaurants & bars
Tight margins, high volume
Retail & convenience
High ticket count
Salons & barbershops
Service-based
Auto & repair
Large tickets
Fuel & C-stores
Razor-thin margins
Medical & dental
Recurring billing
Pet & veterinary
Mixed tickets
Home services
On-site payments
Gyms & fitness studios
Memberships & recurring
Don't see your business?
The program works for almost any merchant taking cards. If you process at least a few thousand dollars a month, it's worth a look.
Let's run your numbers
Every business is different. We'll tailor the program to your ticket sizes, volume, and how your customers like to pay.
Get my quoteHow much are card fees really costing you?
Set your monthly volume and current rate to estimate your annual savings with Payvient.
Estimates only — actual results may vary based on your real statement, card mix, and how your customers choose to pay. We'll confirm the exact figure from your statement.
We think paying to get paid is broken.
Most merchants accept card fees as a cost of doing business. Payvient was built to give business owners a straightforward, compliant way to keep the money they earn.
Transparent
You'll always know exactly what you pay and what you keep. We prove it on your statement.
Compliant
Programs are structured to follow card-brand and disclosure rules, with signage included.
On your side
We win when you save. Our job is to put more of every sale back in your account.
See your savings, free
Send us a few details and a recent statement if you have one. We'll come back with a clear, no-obligation breakdown of what you'd save.
Request received
Thanks — a Payvient specialist will reach out within one business day with your savings breakdown.
What happens next
- 1.Free statement review — we go through your details and a recent statement, if you share one.
- 2.You get a clear, line-by-line savings breakdown — no jargon.
- 3.If it's a fit, we handle setup and place your free equipment.
Privacy Policy
How Payvient collects, uses, and protects your information.
Information we collect. The details you submit through our quote form — your name, business name, email, phone number, monthly processing volume, and any statement you choose to upload.
How we use it. Solely to prepare your savings estimate, contact you about Payvient's services, and provide support. By submitting the form, you consent to be contacted by phone, text, or email. Message and data rates may apply; you can opt out of texts anytime by replying STOP, or contact us to opt out of any communication.
What we never do. We do not sell, rent, or share your personal information with third parties for their own marketing.
Security & retention. We keep your information only as long as needed to serve you and protect it with reasonable safeguards.
Your choices. Email info@payvient.com to access, update, or delete your information, or to opt out of communications.
Contact. info@payvient.com · (310) 876-2581
Last updated June 2026.