Pay Vault — Payments & Payroll
Pay Vault Get my rate
0% processing · Payroll included

Stop paying
to get paid.
Then stop paying for payroll.

Pay Vault runs your card processing at 0% cost to your business and hands you full-service payroll at no added charge. Two of your biggest recurring bills, engineered down to one line item.

0%
Processing cost to you
$0
Monthly, statement & PCI fees
48 hrs
Typical switch, no downtime
Instant estimate drag to adjust
Monthly card volume
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Estimated first-year saving
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processing, fees, payroll & hardware combined
Refine with your real numbers →
Industries

Built for the way your business takes money.

The same zero-cost program, configured for your industry's card mix, ticket size and disclosure rules.

01
Restaurants & bars
Tip adjustment, surcharge-ready receipts, fast table turns.
02
Retail & convenience
PIN-debit routing, age checks, cash-discount signage.
03
E-commerce
Hosted checkout, tokenized recurring billing, decline recovery.
04
Salons & personal services
Booking deposits, card on file, staff tip splits.
05
Auto & repair
High-ticket approvals, deposits and progress billing.
06
Healthcare & dental
Payment plans, HSA and FSA cards, patient statements.
07
Multi-location franchises
Per-store settlement, one dashboard, multi-EIN payroll.
08
Any small business
Pay-by-link invoices, mobile tap, next-day funding.
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The savings calculator

See the number your processor hopes you never run.

Eight inputs, straight from your statement. We hold nothing back — the breakdown shows exactly where each dollar comes from.

Have a statement handy? Every field maps to a line on page one or two.
Eight fields, instant math — opens in a window over the page.
The savings calculator
Your numbers, our program.
Send me this in writing
Your Pay Vault position
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saved per year
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You pay today
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With Pay Vault
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Where it comes from
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Illustrative estimate. Zero-cost processing passes the cost of card acceptance to card-paying customers as a compliant surcharge or cash-discount program; savings assume full program adoption and that cash and debit rules for your state and industry are met. Payroll is included with an active processing account. Hardware credit shown as one terminal per location. Your written rate review confirms the exact figures.
Merchant services

Accept everything. Absorb nothing.

Cards, taps, online, invoices, over the phone. Same-day funding on request, transparent statements, and a program that keeps the processing cost off your P&L.

Merchant services in detail →
Tap · dip · swipe
Every way they pay
Cards, mobile wallets, contactless, ACH, invoices, virtual terminal and hosted checkout under one merchant ID.
Same day
Funding that fits payroll week
Next-day standard, same-day on qualifying accounts. Batch times you set, deposits you can predict.
1 page
A statement you can read
Every fee named and dated. No mid-qualified buckets, no annual surprise line, no PCI non-compliance penalty.
Free
Terminals and POS included
Pre-programmed smart terminals per location, with integrations for the major restaurant and retail systems.
Payroll

Full-service payroll, included.

Not a stripped-down add-on. Unlimited runs, direct deposit, automatic federal, state and local tax filing, W-2s and 1099s, onboarding, and time tracking that reads straight from your Pay Vault terminals. Process payments with us and the payroll bill goes to zero.

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See how payroll works →
Payroll, priced honestly
Typical provider
base + per-employee, per month
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Pay Vault with processing
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$0
That alone returns
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Standalone payroll without processing: $39/mo + $6 per employee. No setup fee either way.
The comparison

Three ways to pay for payments. One of them is ours.

 
Flat-rate app
Legacy processor
Pay Vault
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Operators who did the math.

4,100+ locations · 38 states · $2.4B processed a year
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Security & compliance

Boring where it counts.

Every transaction and every payroll run sits inside audited infrastructure. Your surcharge program is configured to card-brand and state rules, and we keep it that way as those rules change.

PCI DSS Level 1
Annually validated, with tokenization and point-to-point encryption on every terminal.
SOC 2 Type II
Independently audited controls across the payments and payroll platform.
Surcharge compliance
Program built to card-brand rules and your state statutes, reviewed as they change.
Tax filing guarantee
If we file late or wrong on a run we processed, we cover the penalty and interest.
Chargeback defense
Evidence assembled and represented on your behalf, with dispute alerts before they post.
Data portability
Export your transaction and payroll history any time, in full, at no charge.

Fair questions.

Anything not covered here, ask the specialist on your rate review — they answer in writing.

Six answers on surcharging, payroll and switching.
FAQ
Fair questions.
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Send one statement.
Get the whole picture.

A specialist reads your last statement line by line and returns a written side-by-side: what you pay now, what you'd pay with us, and what payroll adds back. No obligation, no long-term contract if you switch.

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Request received.

A specialist will reach out within one business day with your written comparison — including the {{ savingsYrLabel }} figure from your calculator run.
Free rate review
We use your details only to prepare the review. Prototype form — nothing is transmitted.