Restaurant, bar, and hospitality operators may be owed tens of thousands annually — and most never claim it.
Processing $8,000/month or more? Eliminate your credit card processing fees completely with our Cash Discounting program.
Revenue loans, lines of credit, equipment financing & term loans — same-day funding available for all industries.
The median refund is $101,000. Yet an estimated 80–90% of small businesses in Food, Beverage, Beauty, and Personal Care never claim their FICA Tip Tax Credit. You can claim up to three years back.
Under IRS Code Section 45B, employers whose employees earn tips receive a dollar-for-dollar reduction in federal income taxes — equal to the employer-side FICA taxes (7.65%) paid on tips above the federal minimum wage.
Most payroll services track tips as a liability but consider the credit the business owner's responsibility to file on their annual return.
Filing Form 8846 is complex and time-consuming. Many tax preparers skip it — costing clients thousands every single year.
Our specialists calculate, document, and file everything — plus provide complete IRS Audit Defense at no extra cost.
If your business employs W-2 staff who customarily receive tips, you likely qualify.
Fill out a quick form. No upfront costs to check your eligibility.
Our specialists handle tip data, documentation, and all IRS filing requirements.
We track the filing with the IRS and provide full audit defense throughout.
Receive your credit as a refund check or use it to offset future taxes.
Restaurants can claim 3 years — multiply your annual figure by three for your total potential return.
See How Much You Qualify ForScroll down after clicking the button above to use the calculator and see how much you may get back per year. (You can receive at least 3 years of credits, averaging over $30,000 per year.)
If your business processes $8,000 or more per month in card transactions, our Cash Discounting program lets you eliminate processing fees entirely while staying 100% compliant.
Get a Free Rate AnalysisNo obligation. Results in 24 hours.
Actual savings vary by volume and card mix. Contact us for a precise analysis.
Cash Discounting is a compliant pricing strategy where card-using customers pay a small service fee — passing processing costs off your bottom line entirely.
Fully compliant with Visa, Mastercard, and Durbin Amendment regulations when implemented correctly.
We handle equipment provisioning, signage requirements, and POS programming. Most merchants are live within 5–7 business days.
Month-to-month service. No hidden cancellation fees. You keep 100% control at all times.
US-based support team available to your staff whenever you need it — not an overseas call center.
| Feature | Traditional Processing | Paybly Cash Discounting |
|---|---|---|
| Monthly processing fees | 2–3.5% | $0 |
| Long-term contracts | Often required | Month-to-month |
| Cancellation fees | Up to $500+ | None |
| PCI compliance support | Self-managed | Included |
| Next-day funding | Varies | Standard |
We'll analyze your current rates and show exactly what you'd save — in 24 hours, at no cost.
Request a Free Rate AnalysisWe work with your specific industry and have unique programs for each business type. From startups to established businesses — funding as fast as the same business day.
With same-day funding options, you have the flexibility to allocate funds the moment you need them most.
We explore every available option to find the one that aligns best with your business needs and goals.
No application fees, no draw fees, no maintenance fees on qualifying products. Transparent pricing always.
Use your future revenue to secure financing. Ideal for startups or businesses that don't qualify for traditional financing.
Revolving access to capital — draw what you need, when you need it, without paying for what you don't use.
Purchase the machinery and equipment your business needs at affordable monthly payments, fast.
Finance working capital needs or supplement an existing line of credit with a structured term loan up to $5M.
Revolving capital for new businesses — no revenue requirements and no restricted industries.
Unique programs tailored for each business type — not a one-size-fits-all approach.
Whether you're expanding, catching up, or launching something new — we're here to provide tailored solutions for anything your business needs.
Upgrade or expand your operational equipment without draining cash reserves.
Add to your fleet or replace aging vehicles to keep operations running smoothly.
Address outstanding tax obligations and get back on solid financial footing.
Launch or scale a campaign to grow your customer base and revenue.
Meet payroll demands and invest in growing your workforce confidently.
Stock up and capitalize on high-demand periods without cash flow stress.
Please fill out the form in its entirety. Find the application below.
Download the application and complete it in its entirety.
Download ApplicationWe will review your application and be in touch shortly with your options.
Have questions? Email us anytime at support@payply.biz
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