PayMore Franchise
Cost, fees, owner earnings, closure rate and litigation for a PayMore franchise — pulled from the franchisor's own public FDD (2026), not its sales material.
Disclosure honesty
PayMore discloses earnings (Item 19) — but the grade is how honestly. We graded it C.
What their own earnings claim actually says
Gross sales only for 49 locations (1 affiliate, 48 franchised) in 2025. Average franchise sales $998,719; median $914,145. 44% met/exceeded average. Excludes 48 new 2025 openings, 4 closures, 1 temporary closure.
What a PayMore franchise actually costs to run
| Fee | Disclosed | Where it comes from |
|---|---|---|
| Initial franchise fee | $35,000 | Item 5 — paid up front, before you open |
| Royalty | 5% of gross sales | Item 6 — charged on revenue, not profit |
| Advertising fund | 3% of gross sales | Item 6 — brand marketing, spent at the franchisor's discretion |
| Total recurring fees | 8% of gross sales | Before rent, labor, food or debt service |
| Total initial investment | $138,750 – $268,500 | Item 7 — franchisor's own low/high estimate |
5% minimum royalty; 1% tech fee (can increase to 2%); 2% local advertising; 1% marketing cooperative. Multiple other fees charged as incurred.
Royalty and ad-fund percentages are charged on gross sales — an owner pays them whether or not the location is profitable.
PayMore system size and owner turnover
| Total outlets | 100 |
| Ceased operations | 4 |
| Terminated by franchisor | 0 |
| Transferred to new owners | 4 |
| Closure rate | 4.0% of outlets |
4 ceased operations in 2025; zero terminations/non-renewals suggests selective reporting or early-stage system.
From Item 20 of the FDD 2026. Terminations and ceased operations are the franchisor's own count of owners who stopped — the number the sales pitch leaves out.
Is PayMore worth it? — how it compares to 85 similar franchises
| Ongoing fees | 8% of sales | lower than most (median 8%) |
| Startup cost | from $138,750 | pricier than 62% of peers |
| Disclosure honesty | Grade C | less honest than most of the category |
| Closure rate | 4.0% of outlets | worse than 63% of peers |
| Disclosed lawsuits | 0 | fewer than most |
Benchmarked against every home & trade services franchise we've graded from public FDDs — the context the franchisor's pitch never gives you.
Owner take-home for a PayMore
The franchisor's framing: Gross sales only for 49 locations (1 affiliate, 48 franchised) in 2025. Average franchise … We reconstruct what an owner actually keeps, from their own FDD.
- Reconstructed owner P&L — net take-home after royalty, ad fund, rent, labor & debt
- Break-even timeline + cash-on-cash ROI
- Full fee stack + required-purchase markups
- Decoded real failure / closure rate
- How it ranks vs comparable franchises
- Validation-call playbook — the exact questions to ask
See a full sample report → · 30-day guarantee
PayMore franchise — frequently asked
- How much does a PayMore franchise cost?
- The FDD lists a total initial investment of about $138,750–$268,500, including a $35,000 initial franchise fee.
- How much do PayMore franchise owners make?
- Gross sales only for 49 locations (1 affiliate, 48 franchised) in 2025. Average franchise sales $998,719; median $914,145. 44% met/exceeded average. Excludes 48 new 2025 openings, 4 closures, 1 temporary closure. We grade this disclosure C for honesty.
- What are the PayMore franchise fees?
- PayMore's FDD discloses a $35,000 initial franchise fee, a 5% royalty on gross sales, a 3% advertising-fund contribution, for roughly 8% of gross sales in recurring fees before rent, labor, or debt service. 5% minimum royalty; 1% tech fee (can increase to 2%); 2% local advertising; 1% marketing cooperative. Multiple other fees charged as incurred.
- What is the PayMore franchise profit margin?
- PayMore does not publish a franchisee net-profit margin — almost no franchisor does. What Item 19 actually shows: Gross sales only for 49 locations (1 affiliate, 48 franchised) in 2025. Average franchise sales $998,719; median $914,145. 44% met/exceeded average. Excludes 48 new 2025 openings, 4 closures, 1 temporary closure. Recurring fees alone take about 8% of gross sales, before rent, labor, food or debt service. Margin has to be reconstructed from the disclosure, not read off it.
- What is the PayMore franchise failure rate?
- 4 ceased operations in 2025; zero terminations/non-renewals suggests selective reporting or early-stage system.
- How many PayMore locations are there?
- PayMore's FDD reports 100 total outlets, with 4 that ceased operations in the most recent reporting year and 4 transferred to new owners. Item 20 is where system health shows up before the marketing does.
- Does PayMore have complaints or lawsuits?
- PayMore discloses no material litigation in Item 3 of the filing we reviewed. That's a positive signal, though it covers only what the franchisor is required to report.
- Is a PayMore franchise worth it?
- It depends on the numbers, not the pitch. PayMore scores C on disclosure honesty, carries about 8% of sales in ongoing fees. Get the real owner take-home before you sign.
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Compare PayMore to similar franchises
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Source: WI DFI Franchise Registration (2026). FranchiseValidate is independent and not affiliated with PayMore or its franchisor. Figures are extracted from the franchisor's own public disclosure document; verify against the current FDD before any decision.