Payment Processing Through Payroc

Payment Processing that Reduces Costs by up to 100%

Lubao helps businesses get set up with the right pricing program, the right tools, and the right equipment — all through Payroc's payment platform. We handle onboarding, configuration, and ongoing support so you can focus on running your business.

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Interchange Plus

30% Savings on average

Customer pays no fees - merchant pays processing fees

RewardPay Choice

Save 50–70% Savings on average

Compliant surcharging — processing fees shared with customers

ConsumerChoice

90% Savings on average

Dual pricing — card price and discounted cash price displayed
Powered by Payroc
✓ Same-day & next-day funding ✓ PCI Level 1 certified ✓ Guided onboarding & real support ✓ No long-term contracts

Free Tool

How much are you paying in processing fees?

Enter your monthly volume and current rate — see your potential savings in under 60 seconds. No commitment required.

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How It Works

Three layers of your payment setup

Every merchant account starts with a pricing program, gets paired with the right product or platform, and is deployed on equipment that fits the business. We help you choose and configure all three.

1

Pricing Programs

How you pay for processing. Traditional, RewardPay Choice (save 50–70% on processing costs), or ConsumerChoice (save up to 100% on processing costs).

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 2

Products & Platforms

Software that runs your business — invoicing, scheduling, online payments, gateways, donations, and more.

View products →

 3

Equipment

Terminals and POS from Newland, Clover, Ingenico, and PAX — plus mobile options.

View equipment →

Products & Platforms

More than just payment processing

Every product below is available through Payroc and works with all three pricing programs. We'll recommend the right combination for your business.

Roc Services

Scheduling · Invoicing · Payments

All-in-one platform for businesses that book, bill, and work on the go. Scheduling, estimates, deposits, invoicing, mobile payments, and QuickBooks sync.

Roc Terminal+

Payment Platform · Portal · Mobile App

Payroc's proprietary platform on Newland devices. Online portal, virtual terminal, payment links, inventory, multi-MID, and Level II/III processing.

FluidPay

Cloud Payment Gateway

Simplified gateway with virtual terminal, e-invoicing, customer vault, recurring billing, hosted payment pages, and e-commerce plugins.

Payroc Gateway

Omnichannel Gateway

Proprietary gateway with hosted payment pages, shopping cart plugins (WooCommerce, Shopify, Magento), Level II/III, and recurring billing.

Biller Genie

Automated Accounts Receivable

Automates invoicing and payment collection inside your existing QuickBooks workflow. 2-way sync, embedded Pay Now links, customer portal.

Roc Giving

Online Donation Platform

For nonprofits, churches, and charities. Branded campaigns, donor management, recurring giving, QR codes, and real-time analytics.

View All Products & Features →

Equipment

Terminals and POS from multiple manufacturers

Your pricing program and products work across all of these devices. We'll recommend the right hardware based on your business type, volume, and workflow.

Available through Lubao & Payroc

Every device is pre-certified and configured with your pricing program before it arrives. We handle setup and provide training.

  • Roc Terminal+ on Newland (N950, N950-S, X800)
  • Clover POS (Solo, Duo, Mini, Flex, Flex Pocket, Compact, Kiosk)
  • Ingenico AXIUM (DX4000, DX8000, EX8000)
  • PAX (A80, A920 Pro)
  • Payroc Mobile (Tap to Pay on iPhone)
  • Roc Terminal+ Mobile App + RCKT Bluetooth reader
See All Equipment →

Why Lubao

What working with us actually looks like

We recommend — not just sell

With this many programs, products, and devices available, the biggest value we provide is figuring out which combination actually fits your business. We don't lead with the most expensive option — we lead with the right one.

Guided setup — not self-service

Your account is set up by us, not by an algorithm. We configure your pricing program, set up your equipment, and walk you through your portal, reports, and day-one operations.

Ongoing support — not a ticket queue

After onboarding, you still have a real person to call. For technical issues, Payroc's support team is available by phone and email. For account questions and adjustments, you reach us directly.

What Payroc brings to the table

  • PCI Level 1 certified processor and acquirer
  • Banking relationships: Fifth Third Bank, PNC Bank, Wells Fargo, and more
  • Same-day and next-day funding available
  • 190,000+ merchants and partners
  • $115B+ in annual transaction volume processed
  • Award-winning customer support — 5 consecutive years
  • U.S. and Canada coverage

Payment Processing Guides

Free resources for business owners

Plain-language guides on the programs, strategies, and options available to reduce what you pay to accept cards.

How Dual Pricing Works

Guide · 5 min read

What dual pricing is, how it works at the register, who it's right for, and how much it can save — explained plainly.

How to Reduce Processing Fees

Guide · 6 min read

The most effective strategies small businesses use to lower or eliminate credit card processing costs, from interchange-plus to zero fee programs.

Zero Fee Processing Explained

Guide · 5 min read

What zero fee processing actually means, how the math works, what to watch out for when evaluating providers, and whether it's right for your business.

Ready to get started?

Schedule a conversation and we'll walk through programs, products, and equipment — then build a recommendation specific to your business. No pressure, no obligation.

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