Card processing takes 2–3% off every sale you make. We move that fee to the customer paying by card, where it belongs.
*Credit transactions at a 2.9% estimated rate; debit is never surcharged. Send a statement for your real number.
Two rings, one transaction. A payment isn't money leaving — it's money moving between two people. That's what giro has meant in banking for four hundred years, and it's the only thing we do.
Nothing about how you run the business has to change.
One recent processing statement tells us your real effective rate — usually higher than what you were quoted. We'll show you the gap in plain numbers.
Terminal, online checkout, or both. We handle the application and the setup. Your existing tools keep working.
Card customers see the card price. Cash and bank transfer customers pay less. You keep the full ticket either way.
Two prices, labeled plainly, right at the moment they choose how to pay.
Card network rules don't allow a surcharge on debit, so it's priced the same as cash automatically — nobody has to remember the rule at the register.
The right price appears the instant a payment method is selected. No manual math, no separate till, no training required.
Send a bill by text or email. They tap the link and pay. No more waiting on a check that was mailed last Thursday.
Money lands in your account the same day instead of sitting in transit for a week.
Recurring customers get charged automatically on the schedule you set. You stop chasing the same invoice every month.
Generate a link or a code for anything you sell. Drop it in a text, an email, or a printed sign — no website required.
Payments sync automatically. No new system, no migration, no retraining anyone.
Every card is checked in real time. Debit gets the base price, credit carries the fee, and the surcharge is capped to your actual cost — automatically.
Most processors quote you a rate and then bill you a different one. Here is the whole thing.
*Credit only — debit is excluded automatically.
Card networks charge a fee on every card transaction. Somebody pays it. Today that's you, quietly, out of every sale.
We run a dual pricing setup: your posted price is the card price, and customers who pay cash or by bank transfer get a discount. The fee lands on the card transaction it came from, not on your margin.
Dual pricing is legal in all fifty states — including the handful where a straight surcharge alone wouldn't be. The fee is capped by card network rules to match your actual cost of acceptance, and it never touches a debit card. We calculate it, cap it, and keep it compliant automatically, so nobody at the counter is surprised and nobody at your business has to track the rules.
We make money on the platform fee and a small margin on card transactions. Not on surprise line items at the bottom of your statement.
Processed on certified, audited infrastructure
Backed by Citizens Bank, N.A., not a shell system
Every transaction visible the moment it clears
In most cases, no — we work with what you already have. Where new equipment makes sense, it's included at no cost.
Yes, in all fifty states. Because dual pricing shows both prices upfront rather than adding a fee after the fact, it's compliant even in the handful of states where a straight surcharge alone wouldn't be.
Most merchants switch with no downtime. We handle the setup end to end, and your bank account stays exactly where it is.
Same day, once you're approved and live — not the multi-day wait that's standard with most processors.
Nothing upfront. No setup fee, and equipment is included in most cases.
Girro is a registered agent of PayBright, itself a registered Independent Sales Organization of Citizens Bank, N.A. Your money moves through a real, regulated banking relationship.
We'll come back with your real effective rate and what you'd keep. No obligation, no sales call unless you want one.
Email us a statement