Stop paying to get paid.

Lower rates on business-to-business card payments. Zero card fees for storefronts. Built in Miami for businesses that are done overpaying.

Get a free statement review See what you'd save

Free review. No obligation.

Every time a customer pays by card, the business quietly loses 2 to 3 percent. On $100,000 a month, that's nearly $35,000 a year. Girro keeps it where it belongs.

What Girro offers

Two ways to pay less.
One for each side of the counter.

Business to business (B2B)

Level 2/3 interchange optimization

When a business pays another business with a card, providing enhanced transaction data (invoice number, tax amount, order details) qualifies that transaction for a lower interchange rate set by Visa and Mastercard. Most processors don't bother capturing this data, so businesses pay more than they should. We capture it. They don't.

Invoice 4471$8,240.00
Purchase orderPO-20931
Sales tax$412.50
Line items14 items
Customer codeACME-DIST
InterchangeStandard rateLower rate unlocked
Business to consumer (B2C)

100% fee savings with dual pricing

For consumer-facing businesses like retail, salons, and gas stations, we eliminate processing fees entirely by shifting the small card fee to the customer at checkout. It's a small, disclosed adjustment for paying by card, while cash payments stay full price. The business pays $0 in card processing fees.

The business pays
The customer pays
Card fee
Cash price$100.00
Card price, shown before paying$103.00
Your card fees this month$2,320

Move the slider.
Watch the fee disappear.

Pick how you get paid, then set your monthly card volume.

Monthly card volumeStorefront
$80,000
$5k$500k
What you pay in card fees now$2,320
With Girro$0
You keep, per year$27,840

Illustration at a 2.9% effective rate. Send a statement for your exact numbers.

Built for both sides
of the counter.

Wholesale Construction Manufacturing Building materials Distribution Industrial supply
Salons Gas stations Restaurants Barbershops Retail stores Auto shops Cafés
B2B: lower rates with Level 2/3 data B2C: $0 card fees with dual pricing

Three steps.
That's it.

You keep running your business. We handle the switch.

1

Send us one statement.

We read what you're actually paying, which is usually more than what you were quoted, and send back a written comparison. Free.

2

We set everything up.

We handle the application and setup with our processing partner, and walk you through anything that changes at checkout.

3

Keep more of every sale.

B2B payments clear with the data that earns a lower rate. Storefront card fees move to checkout. You keep the difference.

Questions,
answered.

Yes. Dual pricing is permitted in all 50 states when it's properly disclosed, and it's different from surcharging, which carries extra restrictions. We set it up to card network rules and supply the signage and receipt language.

Business, corporate, and purchasing cards qualify for lower interchange when a transaction carries extra detail: purchase order number, tax amount, and line items. Most processors never send that data, so B2B payments clear at a higher rate than they need to. We make sure it's captured.

Cash customers pay exactly what they pay today. Card customers see the card price clearly before they pay. Gas stations have posted cash and card prices for decades, and most customers don't think twice about it.

If you invoice other businesses, Level 2/3 optimization is where your savings are. If customers pay you at a counter, dual pricing takes your card fees to $0. Not sure? Send one statement and we'll tell you.

No. It's free and there's no obligation. You get your true effective rate and a written comparison, and you decide what to do with it.

Send us one
statement.

We'll show you exactly what you're paying and what you'd keep with Girro. Free, and no obligation.

Kevin HoweFounder & CEOkevinhowe@girro.net
Oleg ShumilovCo-Founderolegshumilov@girro.net
Melanie PayerHead of Brand & Marketingmelaniepayer@girro.net
GeneralMiami, Floridacontact@girro.net

We reply within one business day.

Follow along.

@savewithgirro Girro on LinkedIn