Stop overpaying to take cards.
Hand us one processing statement. We'll go through it line by line, circle every fee you shouldn't be paying, and tell you in dollars what you'd save. It's free either way.
Rather not upload? Text a photo of your statement to 1-877-714-4770.
should be ~2.6% → about $430/mo back
Check your own numbers
Last month I tookin card payments and paidin processing fees.
Fill in both numbers and we'll do the math.
Get my exact numberBoth numbers are on page one of your statement. This is a rough estimate using typical in-person card costs; your review uses your real statement.
We're the people who knocked on your door.
Maryland · DC · VirginiaPayHero is a small local team serving Maryland, DC and Virginia. We walk into businesses across the region and ask to see the processing statement. Most owners have never had someone go through it with them line by line.
When you call or text, you reach someone on our team, not a call center. We read your statement, show you which fees are padded, and tell you in plain English what you'd pay with us. If your current rate is fair, we'll say so.
- call or text
- 1-877-714-4770
- hello@getpayhero.com
What we set up
One local team for the card machine, the software and the processing behind it.
Countertop terminals
PAX and Dejavoo card machines, programmed and installed at your counter.
POS systems
Clover and TouchBistro for restaurants and shops, set up with you on site.
Online & invoice payments
Take cards on your website or send an invoice with a pay link, through Authorize.net or NMI.
Business funding
Working capital for equipment, inventory or a slow season. Ask us what you qualify for.
- PAX
- Dejavoo
- TSYS
- Clover
- TouchBistro
- Authorize.net
- NMI
How it works
You send one statement: upload it and see your real rate in about a minute, text us a photo, or hand it over when we stop by. We show you what you'd save, line by line, in dollars per month. Then you decide. There's no long-term contract, and if you switch, we do the paperwork and setup with you.
What we circle
Interchange, what Visa and Mastercard charge, is the same no matter who processes your cards. What differs is everything stacked on top.
- PCI non-compliance
- A monthly charge for a yearly security form nobody told you about.
- Terminal rental
- Rent that keeps going long after the machine is paid for many times over.
- "Regulatory" fee
- An official-sounding name for a charge your processor sets itself.
- Monthly minimum
- A penalty for having a slow month.
- Statement / online access
- Paying to get your bill, or to log in and read it.
- Batch fee
- A charge every time you close out the day.
Three ways to pay less.
Your exact rate depends on your volume and average sale. It goes in writing before you sign anything.
Interchange-plus
the real cost + one fixed margin
You pay exactly what Visa, Mastercard and the other networks charge for each sale, plus one small margin that's set in writing. No padded tiers, no surprise fees. No long-term contract.
Cash discount
cash customers pay less
Your posted prices include the cost of card processing. Customers who pay cash get a discount at the register, so most of your processing cost is covered.
Dual pricing
two prices, customer chooses
Every item shows a cash price and a card price, on your menu, shelf tags and receipts. The customer picks how to pay, and the card price covers the processing cost.
Cash discount and dual pricing follow card-network and state rules. We set up your signage, receipts and register so it's done correctly.
See full pricing →Where we work
Montgomery County
RockvilleSilver SpringBethesdaGaithersburgWheatonGermantownOlney
Prince George's & Howard
HyattsvilleCollege ParkLaurelBowieBeltsvilleColumbia
DC & Northern Virginia
Washington, DCArlingtonAlexandriaFairfaxFalls Church
Who we work with
Restaurants, liquor stores, grocery and corner stores, convenience stores, retail shops, auto repair, medical and dental offices, wholesalers. If you take a lot of cards, it's worth a look.
Questions owners ask us
How do I figure out my effective rate?
Divide the total fees on your statement by your total card sales. $1,940 in fees on $58,400 in sales is 3.32%.
What is interchange-plus?
You pay the card networks' actual cost for each sale, plus a fixed markup you know up front.
What's a PCI non-compliance fee?
A monthly charge many processors add when a yearly security questionnaire isn't on file. It's usually avoidable.
What does the review cost?
Nothing, and you're not obligated to switch.
Is my statement safe with you?
Uploads go to private, encrypted storage, and we never ask for your full bank account or Social Security number on this site.