Save with every swipe.

Reinvest in your business with every sale.

A real savings solution

Are you looking for a way to accept credit cards and create additional capital each month to put toward your overhead expenses?

Then the Paynada Program is the solution for you. Be able to apply service fees to your in-store purchases and - if you wish - offer a discount to cash-paying customers.

A new kind of processing

Legally Vetted

Unlike surcharging, Paynada is legally vetted in all 50 states and is compliant with all federal laws and card processing regulations.

No Obligations

Try Paynada with your customers as long as you like. If for any reason you don't love it, we'll switch you back to traditional processing.

Fast Setup

Hassle free payment processing is just a call away. Paynada is fast to set up with durable plug-and-play equipment.

Simple Pricing

Paynada pricing and fees are fully transparent to merchants and customers.

Fully Mobile

Wireless terminals available for payments on the go. No pin pad required.

Accepts All Payments

Available for all credit card types, ApplePay, Google wallet and AndroidPay with EMV chip required.

Cash Discount

An available payment method of passing a service fee to all customers while giving a discount to those who pay with cash.

Credit Surcharge

A surcharge is an additional fee that a merchant adds to a consumer’s bill when he or she uses a credit card for payment.

Traditional Processing

Paynada offers the most competitive rates for Conventional methods of processing in the industry.

3 steps to start saving

Plug It In

Your Paynada Welcome Kit comes with all the equipment, instructions and service fee signage you need to get up and running quickly.

Post Signs

Whether you are a restaurant, retail or mobile payment vendor, we have signage to fit your needs and keep you in compliance.

Start Saving

Start saving money with your very first transaction. At the end of the month get a summary of your entire monthly savings.

Equipment For Every Business

In Store

Retail and Restaurant brick-and-mortar businesses need to be able to accept all credit/debit cards and checks safely and securely. We offer a wide variety of terminals and POS Systems to cater to every individual businesses needs.

On the Go

Our handheld terminal and mobile credit card readers allow you to take payments from anywhere.


Whether you are creating online invoices or taking payments over the phone, our inclusive programs have you covered.

What our customers are saying


We needed to be able to take online orders to survive. Paynada was able to deliver as well as offer cash discount. The savings are incredible!


Finding an honest credit card company is hard. Paynada was clear, transparent and took the time to educate me. No surprises, just savings!


Security is paramount for our business and Paynada provides critical security around all of our card-not-present transactions corporate wide.


I own an AC repair service. Thanks to Paynada I can take payments at the customer’s home or business.


As a small business we were struggling to keep up with the changing economy. Paynada was able to help us put $1200 a month back into our company.


By displaying global pricing adjustments and uniformly assessing a set service fee across all products and payment types, merchants utilizing the Paynada Program meet the standard regulations set forth by all major card service providers, state law and federal law.

A small service fee is assessed on ALL sales regardless of how payment is made including cash, credit-debit cards, gift cards, etc.

As stated in the Durbin Amendment §124.STAT.2073, 9b2 (
DurbinAmendment) businesses are permitted to offer a discount to customers as an incentive and to encourage customers to pay by alternative methods other than a credit/debit cards (such as cash) in order to automatically receive a discount which is applied at the time of sale.

As of January 27, 2013 several Card industry changes went into effect with regards to the credit card company’s federal class action litigation settlement. The settlement requires Visa and MasterCard to change some rules for merchants who accept their cards, including allowing merchants to “offer discounts to customers who pay with payment forms less expensive than Bank Debit cards”.

A Customer Notice is Required

Clear and conspicuous signage must be posted at the entrance to the store and at the point of sale. This not only helps accurately explain the program and options available to the customer but keeps you compliant with current laws and card associating rules. We also recommend offering customers a discount when at the register.

Paynada cash discount program automates the service fee process by applying the customer service fee at the time of sale or removing the fee if the buyer pays in cash. Paynada provides register, terminal and door stickers as well as table tents and menu labels to help you stay compliant

Cash Transaction

Credit Transaction

About Paynada

Paynada is a leading provider of payment technology services that delivers innovative solutions driven by customer needs. Our partnerships, technologies and employee expertise enable us to provide a broad range of products and services that allow our customers to accept all payment types across a variety of distribution channels in the US & Canada markets.

We are headquartered in Plano, Texas and considered part of Dallas' Metroplex, with operating centers in Louisville, Kentucky and Nashville, Tennessee. Paynada operates in North America with clients, merchants and partners serviced equally across a broad footprint spanning mostly in the United States.