Keep more of every sale.
A cash discount program, set up compliantly. Your posted prices are your card prices, and customers who pay cash get a discount. Terminals bought outright or leased, and a New York team that picks up the phone.
Your menu price is the card price. Cash customers get a discount.
New restaurant merchants start on a cash discount program by default. Nothing is added to a card payment: card customers pay the price you post, and customers who pay cash pay less.
Posted prices are card prices.
The price on your menu, board or shelf is what a card customer pays. Cash is a discount from it.
Set up compliantly.
We handle the signage and the receipts as part of setup, so what customers see matches how the program works.
Nothing hiding in the statement.
No statement, batch or annual fee, no monthly minimum, and no term or early termination fee.
Set up and supported from New York.
Terminals bought outright or leased, with setup and staff training included and a New York team on the phone.
Are card customers charged extra?
No. Card customers pay your posted price, which is the card price. Nothing is added to a card payment. Customers who pay cash get a discount from that price.
What do customers see?
Your posted prices, the same ones card customers pay, plus signage explaining that cash payments get a discount. Cash receipts show the posted price and the cash discount. We set up the signage and the receipt layout with you.
Is it compliant in New York?
Our program is set up to follow card-network and state rules.
Can I stay on interchange-plus?
Yes. Larger groups can choose a cash discount program or transparent interchange-plus pricing, with interchange and network assessments shown separately from our margin. Either way, the pricing is quoted in writing.
What will it cost me?
It depends on your business, so we don't publish one number. Send us last month's statement and your pricing comes back in writing after the review, before you sign anything.
See what you'd keep.
Send us last month's statement and book a walkthrough. We'll show you what you pay today and how a cash discount program would work for your venue.
The major card brands and wallets, processed through leading certified processing partners.
Three things we will not do.
Every processor claims to be transparent. These are the specific things that claim usually turns out to mean nothing about.
Bury a fee
No statement fee, batch fee, annual fee or monthly minimum. Every line on your statement is one you agreed to.
See the full listTie you in
No term and no early termination fee, so the only thing keeping you here is the service.
Put you in a queue
A terminal down at seven on a Saturday is an emergency. You get a trained person who knows your account, on a phone, now.
833-VITAPAYOne account behind every way you get paid.
Countertop and handheld terminals.
Tap, chip, swipe and PIN debit, on a terminal you buy outright or lease.
- Buy or lease. Your choice, with the terms in writing.
- Runs a card transaction in seconds
- Next-day deposits to your bank
- Keep the lanes you already run, with no fleet to re-flash
At the table, in the van, on the job.
Take payment from a phone or tablet, with the same account behind it.
- Same account, same rate, same statement
- Nothing separate to reconcile afterwards
- Works anywhere the phone does
Send a link, get paid.
Turn a quote into an invoice the customer pays by card or bank, from their phone.
- Stop chasing a cheque down the phone
- Paid by card or straight from a bank account
- Lands on the same statement as everything else
Hosted checkout, wallets and saved cards.
Hosted checkout on your own site, with wallets and saved cards.
- Apple Pay, Google Pay and saved cards
- Fraud screening and 3-D Secure
- Online orders reconciled beside your in-store sales
Set up for how your business actually runs.
All industries
Retail
Inventory that follows the sale, and a till that keeps a Saturday queue moving.
Restaurants
Pay at the table, with tips and splits handled at the terminal.
Service
Deposit on the quote, balance on the doorstep, retainers on a schedule.
Online
Wallets, saved cards, fraud screening and subscriptions that do not bounce.
Certified partners. A phone number that works.
VitaPay processes through leading certified processing partners. What we add is the part a business your size does not normally get: a statement you can audit, one place everything reconciles, and a person who answers.
How we workTwo minutes, three questions, a quote back in writing.
No credit check and no social security number before you have seen your quote.
