--- 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 - Current Region](https://payroc.com/wp-content/themes/payroc/assets/us-flag.svg) US - [![USA flag](https://payroc.com/wp-content/themes/payroc/assets/us-flag.svg) United States](https://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/) Partner‑Driven. 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[**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/) Platform Move Money - [Payment Processing](https://payroc.com/payment-processing-services/) - [Omnicommerce Gateway](https://payroc.com/solutions/gateway/) - [Payment Devices](https://payroc.com/solutions/payment-devices/) - [Pricing Programs](https://payroc.com/payment-processing-options/) - [Global Payment Orchestration](https://payroc.com/solutions/payment-orchestration/) Run the Business - [Payroc Capital](https://payroc.com/merchant-financing-solutions/) - [Invoicing & Billing](https://payroc.com/invoicing-and-billing/) - [Point-of-Sale Systems](https://payroc.com/point-of-sale-systems/) - [Giving & Donations](https://payroc.com/donations-and-giving/) - [Data & Analytics](https://payroc.com/payment-analytics/) Integrate & Build - [Integrated Payments](https://payroc.com/integrated-payments/) - [Integration Essentials](https://payroc.com/solutions/prebuilt-integrated-payment-solution-for-saas/) - [Payroc Cloud](https://payroc.com/solutions/cloud/) - [Full Stack](https://docs.payroc.com/solutions#full-stack) - [Developer Experience](https://payroc.com/solutions/developer-experience/) - [Direct ERP Integrations](https://www.bluesnap.com/partners/?_partner_category=erp-crm) Who We Serve Partner With Us - [Software Providers](https://payroc.com/industries/saas-vendors/) - [ISOs & Agents](https://payroc.com/industries/sales-partners-agent/) - [Financial Institutions](https://payroc.com/industries/financial-institutions/) - [Referral Partners](https://payroc.com/industries/referral-partners/) Process With Us - [Small & Midsize Businesses](https://payroc.com/industries/merchants/) - [Enterprise](https://payroc.com/enterprise-payments/) Build With Us - [Developer Experience](https://payroc.com/solutions/developer-experience/) Developers - [Developer Portal](https://developers.payroc.com/) - [Payroc.ai](https://payroc.ai/) - [Developer Docs](https://docs.payroc.com/) Who We Are - [About Us](https://payroc.com/about-us/) - [Events](https://payroc.com/events/) - [Careers](https://payroc.com/about-us/careers/) - [Our Community](https://payroc.com/about-us/our-community/) - [Our Team](https://payroc.com/about-us/our-team/) Resources Learn - [Blog & Insights](https://blog.payroc.com/) - [Case Studies](https://payroc.com/case-studies/) - [Product Updates](https://payroc.com/product-updates/) - [Feature Log](https://payroc.com/feature-log/) - [News & Press](https://payroc.com/about-us/awards-and-press/) Support - [Support Center](https://support.payroc.com/) - [Security & Compliance](https://payroc.com/security-and-compliance/) --- **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" } } ```