--- title: Post-COVID Tips to Reinvent & Save Your Business description: Payroc has a re-opening solution that can reinvent your business and save you between 60-90% on your payment processing fees. image: https://blog.payroc.com/hubfs/AdobeStock_183245027-1068x801-8e8d525.png --- [Skip to Content](https://blog.payroc.com/reinvent-your-business-and-save-money-in-a-post-covid-world#main-content) ![USA flag](https://payroc.com/wp-content/themes/payroc/assets/us-flag.svg) United States - [![USA flag](https://payroc.com/wp-content/themes/payroc/assets/us-flag.svg) United States](https://blog.payroc.com/) - [![Canada flag](https://payroc.com/wp-content/themes/payroc/assets/ca-flag.svg) Canada](https://payroc.com/en_ca/) [EN](https://payroc.com/en_ca/?utm_content=language-button) [FR](https://payroc.com/fr/?utm_content=language-button) - [![United Kingdom flag](https://payroc.com/wp-content/themes/payroc/assets/uk-flag.svg) United Kingdom](https://uk.payroc.com/) - [![Puerto Rico flag](https://payroc.com/wp-content/themes/payroc/assets/pr-flag.svg) Puerto Rico](https://dynamicspayments.com/) [Payroc Wins Four Global Cards & Payments Innovation Awards 2026](https://www.prnewswire.com/news-releases/payroc-wins-four-global-cards--payments-innovation-awards-2026-302876385.html) [![Payroc - Homepage](https://blog.payroc.com/hs-fs/hubfs/payroc-logo-black.png?width=77&height=59&name=payroc-logo-black.png "Payroc - Homepage")](https://payroc.com/) - Sign in Back Gateways [Payroc Gateway](https://payments.payroc.com/merchant/selfcare/) [IBX](https://gateway.ibxpays.com/vt/login.aspx) [Worldnet](https://payments.worldnettps.com/merchant/selfcare/) [Caledon](https://dashboard.caledoncard.com) [iTransact for Agents](https://gateway.itransact.com/h/cp/user_sessions/landing) [iTransact for Merchants](https://gateway.itransact.com/h/cp/user_sessions/landing) [Third-party Gateways](https://payroc.com/third-party-gateways/) Systems [Payroc Insights](https://payroc.partnerengage.com/Account/Login) [Roc Services](https://services.rocpos.com/) [Roc Terminal+](https://terminalplus.rocpos.com/) [Sales Portal](https://sales.payroc.com/Login.aspx) [MSPWare](https://nxgen.mspware.com/Beta#/Login) [Third-party Systems](https://payroc.com/third-party-systems/) - [Contact us](https://payroc.com/contacts/) Menu - Solutions Back Payments [![Icon for Gateway](https://payroc.com/wp-content/uploads/2025/05/Gateway.svg) Gateway Process securely, everywhere](https://payroc.com/solutions/gateway/) [![Icon for Virtual Terminal](https://payroc.com/wp-content/uploads/2025/05/PayByVT.svg) Virtual Terminal Complete transactions via browser](https://payroc.com/solutions/gateway-old/virtual-terminal/) [![Icon for ACH](https://payroc.com/wp-content/uploads/2025/05/PayByBank.svg) ACH Accept bank transfers](https://payroc.com/solutions/gateway-old/ach/) [![Icon for Payroc Cloud](https://payroc.com/wp-content/uploads/2025/05/PayByCloud.svg) Payroc Cloud Integrate POS devices via the cloud](https://payroc.com/solutions/cloud/) [![Icon for Payment Links](https://payroc.com/wp-content/uploads/2025/05/PayByLink.svg) Payment Links Collect payments via shareable links](https://payroc.com/solutions/paymentlinks/) [![Icon for Pricing Programs](https://payroc.com/wp-content/uploads/2025/05/Pricing-Programs.svg) Pricing Programs Cut processing costs](https://payroc.com/solutions/pricing-programs/) [![Icon for Roc Giving](https://payroc.com/wp-content/uploads/2025/05/Roc-Giving.svg) Roc Giving Accept donations, run campaigns](https://payroc.com/solutions/roc-giving/) [![Icon for Global Payment Orchestration](https://payroc.com/wp-content/uploads/2026/04/payment-orchestration.svg) Global Payment Orchestration Optimize payments wherever you sell](https://payroc.com/solutions/payment-orchestration/) [![Icon for Invoicing and Billing](https://payroc.com/wp-content/uploads/2026/04/invoicing.svg) Invoicing and Billing Automate your AR workflow](https://payroc.com/solutions/invoicing-and-billing/) Point of Sale [![Icon for Roc Services](https://payroc.com/wp-content/uploads/2025/05/Roc-Services.svg) Roc Services Schedule jobs, send invoices](https://payroc.com/solutions/roc-services/) [![Icon for Roc Terminal+](https://payroc.com/wp-content/uploads/2025/05/Terminal-Plus.svg) Roc Terminal+ Run your business anywhere](https://payroc.com/solutions/roc-terminal/) [![Icon for Terminals](https://payroc.com/wp-content/uploads/2025/05/Terminals.svg) Terminals Find the right device](https://payroc.com/solutions/payment-devices/) [![Icon for Bodega Ai](https://payroc.com/wp-content/uploads/2026/04/bodega-ai.svg) Bodega Ai Simplify independent retail](https://payroc.com/solutions/bodega-ai/) Developers [![Icon for APIs](https://payroc.com/wp-content/uploads/2025/05/APIs.svg) APIs Embed payments into your platform](https://payroc.com/solutions/apis/) [![Icon for Integration Essentials](https://payroc.com/wp-content/uploads/2026/05/integration-essentials.svg) Integration Essentials Add payments fast with prebuilt tools](https://payroc.com/solutions/prebuilt-integrated-payment-solution-for-saas/) [![Icon for Payments](https://payroc.com/wp-content/uploads/2025/05/PayByCloud.svg) Payments Accept and process transactions](https://payroc.com/solutions/payments-api/) [![Icon for Boarding](https://payroc.com/wp-content/uploads/2025/05/Boarding.svg) Boarding Onboard merchants easily](https://payroc.com/solutions/boarding/) [![Icon for Funding](https://payroc.com/wp-content/uploads/2025/05/Funding.svg) Funding Manage deposits and payouts, fast](https://payroc.com/solutions/funding/) [![Icon for Reporting](https://payroc.com/wp-content/uploads/2025/05/Reporting.svg) Reporting Access real-time payment data](https://payroc.com/solutions/reporting/) [![Icon for Developer Docs](https://payroc.com/wp-content/uploads/2025/05/developer-docs-icon.svg) Developer Docs Explore guides and documentation](https://docs.payroc.com/) - Who We Serve Back [![Icon for ISVs/SaaS Providers](https://payroc.com/wp-content/uploads/2025/05/isvs-saas-providers-alt.svg) ISVs/SaaS Providers Integrate payments to drive growth](https://payroc.com/industries/saas-vendors/) [![Icon for Payments-as-a-Service (PaaS)](https://payroc.com/wp-content/uploads/2025/05/saas-paas.svg) Payments-as-a-Service (PaaS) Keep your existing payment relationships](https://payroc.com/industries/payroc-path/) [![Icon for Unattended](https://payroc.com/wp-content/uploads/2025/05/unattended.svg) Unattended Power self-service payments](https://payroc.com/industries/unattended/) [![Icon for Sales Partners](https://payroc.com/wp-content/uploads/2025/05/sales-partners.svg) Sales Partners Help merchants grow while earning more](https://payroc.com/industries/sales-partners-agent/) [![Icon for Referral Partners](https://payroc.com/wp-content/uploads/2025/05/referral-partners-alt.svg) Referral Partners Earn residual income from referrals](https://payroc.com/industries/referral-partners/) [![Icon for Merchants](https://payroc.com/wp-content/uploads/2025/05/merchants-alt.svg) Merchants Accept payments, manage business easily](https://payroc.com/industries/merchants/) [![Icon for Financial Institutions](https://payroc.com/wp-content/uploads/2026/04/financial-institutions-alt.svg) Financial Institutions Drive commercial growth with merchant services](https://payroc.com/industries/financial-institutions/) - Resources Back Learn [![Icon for Awards and Press](https://payroc.com/wp-content/uploads/2025/05/awards-and-press.svg) Awards and Press Check out our industry recognition](https://payroc.com/about/awards-and-press/) [![Icon for Blog](https://payroc.com/wp-content/uploads/2025/05/blog.svg) Blog Read industry insights](https://blog.payroc.com/) [![Icon for Case Studies](https://payroc.com/wp-content/uploads/2025/05/case-studies.svg) Case Studies See how businesses grow with us](https://payroc.com/case-studies/) [![Icon for Product Updates](https://payroc.com/wp-content/uploads/2025/09/product-updates.svg) Product Updates Stay up to date on launches](https://payroc.com/product-updates/) [![Icon for Feature Log](https://payroc.com/wp-content/uploads/2025/09/feature-log.svg) Feature Log Explore product enhancements](https://payroc.com/feature-log/) [![Icon for Company History](https://payroc.com/wp-content/uploads/2025/09/history.svg) Company History Discover how Payroc started](https://payroc.com/about/company-history/) [![Icon for Our Community](https://payroc.com/wp-content/uploads/2025/09/community.svg) Our Community See our community involvement](https://payroc.com/about/our-community/) [![Icon for Our Team](https://payroc.com/wp-content/uploads/2025/09/team.svg) Our Team Get to know our leadership](https://payroc.com/about/our-team/) Join Us [![Icon for Events](https://payroc.com/wp-content/uploads/2025/05/events.svg) Events Connect with us on the road](https://payroc.com/events/) [![Icon for Careers](https://payroc.com/wp-content/uploads/2025/05/careers.svg) Careers Join our award-winning team](https://payroc.com/about/careers/) Help [![Icon for Support Hub](https://payroc.com/wp-content/uploads/2025/05/support-hub.svg) Support Hub Get answers to your questions](https://support.payroc.com/) - [Developers](https://docs.payroc.com/welcome) - Sign in Back Gateways [Payroc Gateway](https://payments.payroc.com/merchant/selfcare/) [IBX](https://gateway.ibxpays.com/vt/login.aspx) [Worldnet](https://payments.worldnettps.com/merchant/selfcare/) [Caledon](https://dashboard.caledoncard.com) [iTransact for Agents](https://gateway.itransact.com/h/cp/user_sessions/landing) [iTransact for Merchants](https://gateway.itransact.com/h/cp/user_sessions/landing) [Third-party Gateways](https://payroc.com/third-party-gateways/) Systems [Payroc Insights](https://payroc.partnerengage.com/Account/Login) [Roc Services](https://services.rocpos.com/) [Roc Terminal+](https://terminalplus.rocpos.com/) [Sales Portal](https://sales.payroc.com/Login.aspx) [MSPWare](https://nxgen.mspware.com/Beta#/Login) [Third-party Systems](https://payroc.com/third-party-systems/) - [Contact us](https://payroc.com/contacts/) [Back to Blog](https://blog.payroc.com) # Reinvent Your Business and Save Money in a Post-COVID World Posted on Aug 24, 2020 By [Maggie Campbell](https://blog.payroc.com/author/maggie-campbell) - [**Retail**](https://blog.payroc.com/tag/retail) - [**Merchant & Business Owner**](https://blog.payroc.com/tag/merchant-business-owner) - [**Processing & Pricing**](https://blog.payroc.com/tag/processing-pricing) ![Post-COVID Tips to Reinvent & Save Your Business](https://blog.payroc.com/hubfs/AdobeStock_183245027-1068x801-8e8d525.png) Share this: - - - Looking for free credit card processing for your company? Don’t just reopen, reinvent.   Payroc has a re-opening solution that will reinvent your business and save you between 60-90% on your payment processing fees. Give your customers the choice of paying some, or all, of the processing fee that your business would normally cover.  Under Payroc’s exclusive [RewardPay](https://covid.payroc.com/zero-cost-payment-processing-with-rewardpay/?utm_source=blog&utm_medium=pillar%20content&utm_campaign=rewardpay) program, if your customer chooses to pay with a credit card, they will also absorb the processing fee. Don’t want your customer to take the full processing fee percentage? RewardPay’s zero-cost credit card processing is a choice product, which means you choose, AND the customer chooses. If the customer chooses to use their credit card they will absorb some, or all, of the processing fees, depending on how much you’d like to pass off to them. This only applies to credit cards, not debit or prepaid cards. ![how-to-save (2)](https://blog.payroc.com/hs-fs/hubfs/Imported_Blog_Media/how-to-save%20(2)-1.png?width=600&name=how-to-save%20(2)-1.png)   ### **How Much Will You Save?** [Payroc's technology](https://www.payroc.com/rewards/rewardpay/?utm_source=blog&utm_medium=pillar%20content&utm_campaign=rewardpay) will net settle to the business owner's credit card sales daily - in other words,  if the business owner's processing fees are 3.5% and they make a $100 sale, the business owner keeps that additional $3.50. For a deeper look, click [here](https://www.payroc.com/rewards/savings-calculator/?utm_source=blog&utm_medium=pillar%20content&utm_campaign=rewardpay) to calculate how much your business would save. With RewardPay, business owners are also eligible for Next Day Funding, at no extra cost, or Same Day Money Express. If you are a B2B (business-to-business) company or a business that deals in higher transactions, RewardPay will dramatically increase your savings. Credit card primary businesses like these will see the most money saved, but RewardPay will save you money no matter what kind of business you run. #### **![Get a free terminal when you sign up for RewardPay!](https://blog.payroc.com/hubfs/Imported_Blog_Media/rewardpay-email-banner-png.png)** ### **Why RewardPay?** Unlike our competitors, Payroc offers you, the business owners, the choice on **HOW** much of your surcharging percentage you would like to pass on to your customers. For example, if your business has a 4% surcharge fee, you can put 2% of that fee on your customers and absorb the other 2% yourself. Our competitors offer flat rates with no options. Another key differentiator is that we do not use pin-pad transactions because as soon as the customer inserts or scans their debit card, even if they run it as a credit card, our patented technology will automatically and seamlessly register the card as debit. This puts you and the customer at ease, knowing you are fully compliant and your customer gets to choose whether they pay for surcharging fees or not. ### **Now Available: RewardPay ** We give business owners the option and let them choose what to surcharge their customers. Primarily used for large ticket businesses, Payroc’s RewardPay Choice program allows processing fees to be split between the customer and the business (3.5-3.99%). Let's say your business has enabled a 4% surcharge but doesn’t want to pass all of it off billed at the end of the month (EOM). With RewardPay Choice, we allow the merchant to absorb whatever % they do not want to pass along to a credit customer. - Business owner signs up for RewardPay Choice with 4% charge - Business owner passes 2% to credit customers and absorbs the other 2% - Business owner is still billed for all debit transactions and fees #### **BONUS: Get a FREE terminal when you sign up for RewardPay!** Signing with RewardPay will qualify you for a free terminal if you’re a card present business or a free virtual terminal for online or mobile based businesses. No contracts, no termination fees.  All that is needed is two months of past statements.   Whether you are a local business reopening, or an online business looking for a convenient, compliant digital solution, RewardPay will help you reopen with confidence knowing you will be saving on your processing fees. Reach out to one of our trained payment professionals today! ## Get started with Payroc No matter where you are in your payments journey—whether you're a merchant, agent, referral partner, or software developer—we're here to help. [Contact us](https://payroc.com/contacts/) Solutions Payments - [Gateway](https://payroc.com/solutions/gateway/) - [Virtual Terminal](https://payroc.com/solutions/virtual-terminal/) - [ACH](https://payroc.com/solutions/ach/) - [Payroc Cloud](https://payroc.com/solutions/cloud/) - [Payment Links](https://payroc.com/solutions/paymentlinks/) - [Pricing Programs](https://payroc.com/solutions/pricing-programs/) - [Roc Giving](https://payroc.com/solutions/roc-giving/) - [Global Payment Orchestration](https://payroc.com/solutions/payment-orchestration/) - [Invoicing and Billing](https://payroc.com/solutions/invoicing-and-billing/) Point of Sale - [Roc Services](https://payroc.com/solutions/roc-services/) - [Roc Terminal+](https://payroc.com/solutions/roc-terminal/) - [Terminals](https://payroc.com/solutions/payment-devices/) - [Bodega Ai](https://payroc.com/solutions/bodega-ai/) Developers - [APIs](https://payroc.com/solutions/apis/) - [Integration Essentials](https://payroc.com/solutions/prebuilt-integrated-payment-solution-for-saas/) - [Payments](https://payroc.com/solutions/payments-api/) - [Boarding](https://payroc.com/solutions/boarding-api/) - [Funding](https://payroc.com/solutions/funding-api/) - [Reporting](https://payroc.com/solutions/reporting-api/) - [Developer Docs](https://docs.payroc.com/) Who We Serve - [ISVs/SaaS Providers](https://payroc.com/industries/saas-vendors/) - [Payments-as-a-Service (PaaS)](https://payroc.com/industries/payroc-path/) - [Unattended](https://payroc.com/industries/unattended/) - [Sales Partners](https://payroc.com/industries/sales-partners-agent/) - [Referral Partners](https://payroc.com/industries/referral-partners/) - [Merchants](https://payroc.com/industries/merchants/) - [Financial Institutions](https://payroc.com/industries/financial-institutions/) Resources - [Support Hub](https://support.payroc.com/) - [Blog](https://blog.payroc.com/) - [Awards and Press](https://payroc.com/about/awards-and-press/) - [Case Studies](https://payroc.com/case-studies/) - [Product Updates](https://payroc.com/product-updates/) - [Feature Log](https://payroc.com/feature-log/) - [Events](https://payroc.com/events/) - [Careers](https://payroc.com/about/careers/) About - [Company History](https://payroc.com/about/company-history/) - [Our Community](https://payroc.com/about/our-community/) - [Our Team](https://payroc.com/about/our-team/) - [Diversity and Inclusion](https://payroc.com/about/diversity-and-inclusion/) --- **System status** All systems operational Payroc WorldAccess, LLC or its subsidiaries (“Payroc”) is a registered Independent Sales Organization (ISO) of Fifth Third Bank, N.A., Cincinnati, OH, Peoples Trust Company, Vancouver, BC, Canada, PNC Bank, N.A., Pittsburgh, PA, Wells Fargo Bank, N.A., Concord, CA, Wells Fargo Bank, N.A., Canadian Branch, Toronto, ON, Canada, Citizens Bank, N.A., Providence, RI, Merrick Bank Corporation, South Jordan, UT, Woodforest National Bank, The Woodlands, TX and KeyBank, N.A., Cleveland, OH. Payroc is a registered Encryption Support Organization (ESO), Payment Facilitator (PF), Third-Party Servicer (TPS), Merchant Service Provider (MSP), and a Third-Party Agent (TPA) of Fifth Third Bank, N.A., Cincinnati, OH. - - - - [![Payroc BBB Business Review](https://payroc.com/wp-content/uploads/2026/05/bbb-accredited-business.png)](https://www.bbb.org/us/il/tinley-park/profile/payment-processing-services/payroc-0654-90002110/#sealclick) Copyright © 2026 Payroc WorldAccess, LLC - [Legal](https://payroc.com/legal/) - [Accessibility Statement](https://payroc.com/accessibility-statement/) - [Reviews](https://payroc.com/reviews/) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Maggie Campbell", "url" : "https://blog.payroc.com/author/maggie-campbell" }, "dateModified" : "2025-09-29T19:53:14.232Z", "datePublished" : "2020-08-24T16:44:00.000Z", "headline" : "Post-COVID Tips to Reinvent & Save Your Business", "image" : [ "https://blog.payroc.com/hubfs/AdobeStock_183245027-1068x801-8e8d525.png" ], "mainEntityOfPage" : { "@id" : "https://blog.payroc.com/reinvent-your-business-and-save-money-in-a-post-covid-world", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://blog.payroc.com/hubfs/payroc-logo-navy-1.png" }, "name" : "Payroc" } } ```