“I’m local to the Valley. I’ll review your statement with you and walk you through your options: lower your costs, share them, or potentially offset them. No pressure. Your decision.” Drew Lutzke, founder
We start with what you actually pay, not a pitch.
Every fee named, explained, and put in context.
Traditional, Split, and Full Cash Discount, compared side by side.
You book time with Drew directly. A real, local person.
Modern payment technology behind the scenes. About PaybotX
Established businesses, typically processing $20,000 or more a month in card sales.
Smaller business? You’re still welcome to ask. If a review won’t be worth your time, we’ll tell you.
Your costs are spread across interchange, assessments, markup, per-transaction charges, and monthly fees. One number cuts through all of it: your effective rate.
Add up every feeRates, per-item charges, monthly and PCI fees, equipment.
Find total card volumeGross card sales processed for the same month.
Divide fees by volumeThat’s your effective rate, and the starting point for every comparison.
The issue may not be that your processor is doing anything wrong. It may be that no one has shown you another way.
Hypothetical statement for illustration. Real statements vary in layout and fee names.
Lower your costs. Share them. Or potentially offset them.
There’s no one-size-fits-all approach to payment processing. We compare your options using your actual numbers — and if your goal is maximum savings, Cash Discount is designed to provide the greatest potential reduction in the processing costs your business absorbs.
You continue absorbing processing costs while we look for opportunities to lower your rates, eliminate unnecessary fees, and reduce your overall processing expense.
Businesses that want to keep customer pricing unchanged.
A portion of the processing cost is accounted for through card pricing while your business absorbs the remainder. Cash customers receive a discount.
Illustrative 50/50 split. The actual split varies by program structure and approved terms.
Businesses that want meaningful savings with a softer pricing change.
Structure your posted card pricing to account for applicable processing costs while offering customers a discount for paying with cash. Depending on your business and approved program terms, this can substantially reduce or potentially offset the processing costs your business currently absorbs.
Businesses focused on keeping the maximum amount of their revenue.
*Examples are for illustration only and assume $50,000 in monthly card sales and a 3% processing cost. Actual rates, savings, pricing adjustments, program structure, card mix, transaction volume, and eligibility vary. Cash Discount and related programs are subject to applicable laws, card-brand rules, and approved program terms.
Upload a recent merchant processing statement and we’ll compare your current setup against your available options using your actual numbers.
Under a cash discount program, customers who pay by card see a non-cash adjustment (the posted card price), and customers who pay cash receive a discount. Cash discount and surcharge programs are subject to card-brand rules and California law (including Cal. Civ. Code §1748.1 and the state’s Honest Pricing Law). A compliance review is recommended before any program goes live. This isn’t legal advice. Programs are set up only under approved program terms. No savings are guaranteed.
Here’s how the three structures compare on one hypothetical business doing $10,000 a month in card sales.
The table above is hypothetical. Send one recent statement and we’ll show you your actual effective rate and how all three structures compare for your business.
Two numbers from your statement. Ten seconds. No email required.
Use one monthly statement. Everything stays in your browser; nothing is sent anywhere. Prefilled values are hypothetical.
Effective rate = processing fees ÷ card volume. Not a quote or a benchmark.
Under a full cash discount program, the posted card price includes a non-cash adjustment (PaybotX describes it as typically 3–4%), and cash customers pay the posted cash price. Your processing fees could potentially be substantially reduced or close to fully offset, subject to approval, setup costs, and program terms.
One-time hardware or setup costs may apply. Hypothetical estimate, not a quote.
The posted card price carries a partial non-cash adjustment, cash customers get a discount, and you absorb the rest of the processing cost.
The actual split is set within approved program terms. Hypothetical estimate.
One price for every customer. Your rate, markup, and monthly fees get reviewed against your statement to look for a lower-cost structure.
Cash discount and surcharge programs must follow card-brand rules and California law. A compliance review is recommended before any program goes live. Results vary; no savings are guaranteed.
These are hypothetical. See how each option would apply to your actual statement.
Book my free statement review to see your real numbersA short call about how your business takes payments.
One recent monthly statement is enough to start.
Your effective rate, fees, and all three structures, side by side.
If you move forward: PaybotX application, underwriting, equipment. Approval isn’t guaranteed.
Help getting your team comfortable, plus a local contact after.
“I’m local. I start with your statement and how your business actually runs. If your current setup is a good fit, I’ll tell you.”
Local to the San Fernando Valley, where in-person statement reviews are available. Businesses across Southern California, from Ventura County to Orange County, the Inland Empire, and San Diego, get the same review by phone, video, and email.
Your total processing fees for the month divided by your total card volume. Hypothetical example: $350 in fees on $10,000 in card volume is a 3.50% effective rate. It’s the single most useful number on your statement.
Established businesses, typically processing $20,000 or more a month in card sales. Smaller businesses are still welcome to ask.
Yes. The review is complimentary and there’s no obligation to switch anything. If your current setup is a good fit, we’ll tell you.
No. A surcharge is a fee added for paying by credit card. A cash discount program posts the card price and gives customers who pay cash a discount. Both are subject to card-brand rules and California law, so any program must be reviewed and set up under approved terms. This isn’t legal advice.
No. The review is information. You decide what, if anything, happens next.
Every application is subject to underwriting by the processor and bank. Approval and timing aren’t guaranteed.
Card numbers, customer data, or any bank or processor login credentials. You can black out your bank account number; we don’t need it for the review.
Send one recent statement or book a short call. We’ll review what you’re paying today and whether there’s an opportunity to improve it. No pressure, no obligation.
