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Pricing Why PayNet
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Pricing

The price you set is the price you keep.

PayNet leads with dual pricing. Your customers see a card price and a cash price side by side and choose how to pay. Card payers cover the cost of the card, and cash and check payers simply pay the lower price.

The headline program

Dual pricing, done the compliant way.

Every price is posted twice, a card price and a cash price, before your customer decides how to pay. Card payers cover the cost of the card, cash and check payers pay the lower price, and the receipt matches the price they chose.

Nothing is added at the register, and nothing about it is improvised. The system generates both totals, and the signage and receipt formatting come set up for you.

Set up dual pricing
Card price$1,030
Cash or check price$1,000
Illustration only. Prices are set by the dealer and shown to the customer before payment.
The other two programs

Prefer one rate on the card? Two programs.

If posting two prices does not fit how you sell, run a straight rate instead. One program for cards taken in person, one for everything keyed, invoiced, or stored.

Card-present

Swiped program

Swipe, dip, or tap on a reader, a terminal, or a tech's phone.
1.79%+ $0.19per transaction
Keyed and card-on-file

Keyed program

Typed in payments, invoices, pay links, and stored cards for recurring plans.
2.09%+ $0.19per transaction
Where the savings come from

Priced so the right habit costs less.

In person costs less

A card taken face to face costs less to run than a card typed in. If your techs and your counter can take the card in person, the Swiped program keeps that lower cost on every job, and tap to pay on a phone makes it the easy default.

Keyed, without the markup

Some businesses live on phone orders and online payments, and in person is never the fit. The Keyed program is crafted for exactly that, built to save against the phone order and e-commerce programs most processors sell.

Product costs

What the tools cost to have.

The programs above cover the processing. These are the four main products dealers run on PayNet and the base costs that matter.

Clover

Point of sale
Terminals for the counter and the truck, and the software that runs the day.
Clover Go$199
Clover Flex$79/mo
Clover Mini$99/mo
Starter software$0/mo
Essentials software$29.95/mo
Services Growth software$84.95/mo
Flex and Mini are monthly device leases, and the Go reader is a one time purchase. Software is priced per first device, and additional devices carry their own monthly rate.
See Clover for Services

EmeraldPay Gateway

Gateway
One gateway for online payments, invoicing, recurring plans, and tap to pay on a phone.
Gateway, monthly★On request
Automatic Card Updater★On request
Vault, fraud tools, invoicing, QuickBooks syncIncluded
See the gateway

eProcessing Network

Gateway
The gateway many dealers already run, fully supported.
Gateway, monthly★On request
SCN+ contactless reader$149
Recurring and BillPay add ons★On request
See eProcessing Network

Authorize.net

Gateway
The gateway everything already talks to, with the PayNet team behind it.
Gateway, monthly★On request
Per transaction gateway fee★On request
See Authorize.net

Items marked with a star: current numbers are available today from your account manager.

Straight answers

Pricing questions, answered plainly.

Is dual pricing legal in all 50 states?
Yes. Dual pricing posts both prices before the customer chooses how to pay, which is why it is treated as the most defensible way to run a two price program, and it is permitted in all 50 states. The signage and receipt formatting that keep it compliant come set up with the program.
How do I know which program is best for me?
Start with how the money actually arrives. Mostly in person points to Swiped, mostly phone and online points to Keyed, and if you want the cost of cards covered at the point of sale, dual pricing leads. Your account manager maps it with you before anything is signed.
What does dual pricing look like to my customers?
Two posted prices, a card price and a cash price, shown before they pay. Card payers pay the card price, cash and check payers pay the lower one, and the receipt matches the price they chose. Nothing is added at the register.
Is dual pricing required?
No. It is the program we lead with because of what it saves, and plenty of dealers run the Swiped or Keyed program instead. Your account manager will walk through whether it fits how you sell.
What is the $0.19 on the rate programs?
A per transaction fee on the Swiped and Keyed programs, listed right on the rate. It is part of the published price, not a surprise later.
Set it up right

Price it with a person who knows the work.

Tell us how you take payments today and your account manager maps the program and the products to the way you run. No cost, no obligation.

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