How to Accept Every Payment Method - Without Overpaying

In today’s customer-driven market, convenience is king. Shoppers expect to pay how they want—whether it’s with a credit card, debit card, mobile wallet, ACH, or even newer options like text-to-pay and payment links. But for business owners, accepting all these methods often comes with a steep cost.

The good news? You don’t have to choose between offering flexibility and protecting your bottom line. Here's how to accept every payment method without overpaying—and why the right payment partner makes all the difference.

The Modern Customer Expects Options

Today’s consumers are diverse in how they pay:

• Credit & debit cards are still dominant.

• Mobile wallets like Apple Pay, Google Pay, and Samsung Pay are surging.

• Contactless and NFC payments are the norm for younger shoppers.

• Text-to-pay and payment links are a hit with service-based businesses.

• ACH and e-checks offer an affordable option for high-ticket payments.

Offering these options builds trust and improves customer experience—but if you’re paying premium rates for each type, your profits could suffer.

The Problem: Traditional Pricing Models Add Up

Legacy processing models charge a percentage of every transaction. And the more payment types you accept, the more fees you tend to incur:

• Credit card swipe fees

• Online gateway fees

• Virtual terminal surcharges

• Mobile wallet upcharges

• Monthly service and compliance fees

  
  

Without a smart pricing model in place, these costs stack up fast—especially for businesses doing high-volume or small-ticket transactions.

The Solution: Smarter Payment Technology + Dual Pricing

At SignaPay Direct, we help you say “yes” to every form of payment—without paying more than you should.

✅ Dual Pricing Technology

Our compliant dual pricing model gives customers a choice:

• Cash price: No processing fee

• Card price: Slightly higher, with the fee passed to the cardholder

You collect 100% of your sale—no matter how they pay.

✅ All-In-One Terminals

Modern terminals and POS systems let you accept:

• EMV chip cards

• NFC/contactless payments

• QR codes and mobile wallets

• ACH and e-checks

• Remote payments via invoice, link, or text

  
  

With SignaPay Direct, your system is pre-configured for your business and ready to grow with you.

✅ Transparent Pricing & Support

You deserve to know what you’re paying and why. Our team provides:

• No hidden fees

• Straightforward monthly billing

• 24/7 U.S.-based customer support

• Clear signage and training for your team

  
  

Real Savings. Real Results.

Our clients typically save hundreds to thousands per month just by switching from traditional processing. Whether you’re a retailer, service business, medical office, or restaurant, we’ll customize a solution that gives your customers choice—and gives you more control over costs.

Final Thoughts

You don’t have to choose between happy customers and a healthy margin. SignaPay Direct helps you accept every payment type—from tap-to-pay to ACH—without overpaying.

Want to see how much you could save?

Contact SignaPay Direct today to get started with a solution that grows with you.