En un mundo de igualdades, le damos opciones.

CDS – PayLo – a través de la tecnología del programa patentado (Descuento por pago en efectivo), en
cada transacción que sus clientes efectúen hay un pequeño cargo por servicio que aplica a todas las ventas
del negocio; el cual paga por su procesamiento, permitiéndole ahorrar dinero! Si el pago es efectuado en
efectivo, el costo por servicio es exonerado. Simple y transparente. Suena fácil, porque lo es. Empiece ya!


Al evaluar de manera uniforme un cargo fijo por servicio al cliente en todos los productos y tipos de pago, los comerciantes que utilizan el programa Descuento en Efectivo PayLo cumplen los reglamentos estándares fijados por todos los principales proveedores de tarjetas de crédito, leyes estatales, y leyes federales. Como parte de nuestra lista estándar de precios de productos, se estima un pequeño cargo por servicio (muy similar a un servicio automático de gratificación aplicado en algunos lugares de consumo de alimentos) en TODAS las ventas, independientemente de qué manera se haya hecho el pago, incluyendo cheques, efectivo, tarjetas de crédito-débito, tarjetas de regalo, etc. Como se afirma en la Enmienda de Durbin §124.STAT.2073, 9b2 (, se les permite a los negocios ofrecer un descuento a los clientes como incentivo y para alentar a los mismos a pagar con métodos alternativos a las de tarjetas de crédito/débito, ya sea con cheques o efectivo, para así poder recibir automáticamente un descuento, el cual se aplica en el momento de la venta.

Por favor, comprenda que no hace ninguna diferencia si el PIN se ha introducido o no. Bajo la Enmienda de Durbin, no existe ninguna diferencia entre el usar un PIN o no, y si la tarjeta es de débito bancario, siempre es considerada como una transacción de débito – con o sin un número PIN, y tal transacción nunca será considerada como una venta a crédito.

A partir del 27 de enero del 2013, entraron en vigor varios cambios a la industria de Tarjetas en relación a los arreglos de demandas colectivas de clase federal de las compañías de tarjetas de crédito. El ajuste requiere una tarjeta Visa o MasterCard para cambiar algunas reglas para los comerciantes que acepten sus tarjetas, incluyendo el permitir a los comerciantes “ofrecer descuentos a los clientes que paguen con formas de pago menos caras que las tarjetas Bancarias de Débito”.

Una señalización clara y visible es requerida por la ley para ser mostrada en los puntos de ingreso de los negocios y en los puntos de venta, para así poder explicar de manera fácil y exacta las opciones de pago del programa de descuentos -opciones de pago: si un cliente “elige pagar con efectivo o con cheque, el cargo por el servicio es inmediatamente descontado”. El cargo por servicio al cliente o la cantidad descontada debe aparecer en cualquier recibo generado de la transacción.

El programa Descuento en Efectivo PayLo automatiza el proceso de descuento en efectivo aplicando el cargo por servicio al cliente en el momento de la venta o eliminando el cargo si el comprador paga en efectivo. El software detrás del programa Descuento en Efectivo PayLo ha sido revisado y aprobado por todos los proveedores más importantes de tarjetas de crédito. Para obtener más detalles o para solicitar copias de las cartas de aprobación, llame al 888-876-0687

In a world of sameness, we’re giving you options.

Introducing PayLo- A patented technology, that has partnered with CDS, that allows merchants to offset their
credit card processing costs by applying a small customer service charge to each sale they make. The PayLo
Cash Discount software is installed on the payment terminal and encourages customers to pay with cash. If a
payment is made with cash, a discount equaling the customer service fee is automatically applied to the sale.
The PayLo Cash Discount software automatically determines service fees and discount amounts based on
payment type. It’s simple, transparent and sounds easy because it is. Get Started Now!


By uniformly assessing a set customer service fee across all products and payment types, merchants utilizing the PayLo Cash Discount program meet the standard regulations set forth by all major card service providers, state law and federal law. As part of our regular standard list product pricing a small service fee (much like an automatic service gratuity applied in some dining locations) is assessed on ALL sales regardless of how payment is made including checks, cash, credit-deb it cards, gift cards, etc

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. As stated in the Durbin Amendment §124.STAT.2073, 9b2 ( 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 including either checks or cash in order to automatically receive a discount which is applied at the time of sale.

Please understand it makes no difference whether a PIN was entered or not. Under the Durbin Amendment there is no distinction between using a PIN or not and if the card is a bank debit card it is always considered a debit transaction – with or without a PIN number and never would such a transaction be considered a credit 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”.

Clear and conspicuous signage is required by law to be displayed at the business entry point and at the point-of-sale to easily and accurately explain the discount program payment options – if a customer chooses to pay with cash or check the service charge is discounted. The customer service fee or discounted amount must be present on any generated receipts from the transaction. SignaPay also suggests verbally offering the customer a discount for cash payment. PayLo cash discount program automates the cash discount process by applying the customer service fee at the time of sale or removing the fee if the buyer pays in cash. The software behind the PayLo Cash Discount program has been vetted and approved by all major credit card providers.

For more details or to request copies of the approval letters, please call 888-876-0687.