GivePay Review

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How did they treat you?

A Merchant Account with Comprehensive POS Solutions

Founded in 2017, GivePay (also known as GivePay Commerce or FlatRatePay) is a merchant account provider that specializes in offering POS solutions to restaurant, salon, spa, real estate, and lodging businesses. The company offers a multitude of Square, Clover, and Poynt hardware options. The company offers merchants the option of a flat rate for swiped transactions and a standard flat rate for all keyed-in transactions. However, pricing will vary depending on which POS software a merchant utilizes. In addition to those storefront platforms, GivePay also provides an e-commerce channel through WooCommerce that charges merchants a flat rate for all transactions.

Location and Ownership

GivePay is headquartered at 5049 Edwards Ranch Road, Floor 4, Suite 04-0183, Fort Worth, Texas. The company is an authorized agent of Square and a registered agent of CardConnect, a registered ISO of Wells Fargo Bank, N.A., Concord, CA. and Synovus Bank, USA, Columbus, GA. Jerry Jackson is the owner of GivePay.

PaymentCloud Review Table of Contents

  • Costs & Contract: GivePay offers month-to-month plans with pricing varying upon the POS software a merchant chooses. The company also utilizes WooCommerce as a payment gateway.
  • Complaints & Service: GivePay has received fewer than 10 public complaints.
  • BBB Rating: GivePay does not have a profile with the Better Business Bureau at this time.
  • Sales & Marketing: GivePay hires independent sales agents but has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With GivePay.

GivePay Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints <10
Live Customer Support No
Most Common Complaint N/A

Clean Complaint Record

We are unable to locate a couple of negative GivePay reviews. Given the fact that the company resells various POS systems, merchants should research the complaint records of Poynt, Square, and Clover regarding any issues that may arise from their POS software and hardware.

GivePay Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against GivePay. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

GivePay Customer Support Options

GivePay provides a phone number and automated form on its website. However, neither of those channels is dedicated to customer support. Merchant account providers with a great track record of customer service typically offer more comprehensive support options.

No Red Flags

Though there is no evidence to suggest that merchants are having negative experiences through the company, the lack of clear, comprehensive customer support channels is the basis for the company getting a “B” rating in this category.

GivePay Online Ratings

Here's How They Rate Online

No Current BBB Profile

The Better Business Bureau does not maintain a profile for GivePay at this time. We therefore will not factor a BBB rating into this review.

GivePay Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Square Point of Sale Swipe Rate 2.60% + $0.10 or 2.69%
Square Point of Sale Keyed-in Rate 3.50% + $0.15
Square for Retail Swipe Rate 2.50% + $0.10
Square for Retail Keyed-in Rate 3.50% + $0.15
Square for Retail Fee $60 Per Month ($20 Per Additional Terminal)
Square for Restaurants Swipe Rate 2.60% + $0.10
Square for Restaurants Keyed-in Rate 3.50% + $0.15
Square for Restaurants Fee $60 Per Month ($40 Per Additional Terminal)
Square Appointments Swipe Rate 2.50% - 2.60% + $0.10
Square Appointments Keyed-in Rate 3.50% + $0.15
Square Appointments Fee $50 (2 - 5 Employees) $90 (6 - 10 Employees)
Clover Swipe Rate 2.50% + $0.10 or 2.69%
Clover Keyed-in Rate 2.99%
Clover Register Lite Fee $9.95 Per Month
Clover Register Pro Fee $29.95 Per Month
Poynt Swipe Rate 2.50% + $0.10 or 2.69%
Poynt Keyed-in Rate 2.99%
Poynt Register Fee $19.95 Per Month
Equipment Cost Up to $999
Clover Go Fee $11 Per Month
Square Online Store Rate 2.60% + $0.30
Square Online Store Professional Plan $144 Per Year
Square Online Store Performance Plan $312 Per Year
Square Online Store Premium Plan $844 Per Year
GivePay Gateway Rate 2.99%

Different Pricing for Different POS Options

GivePay’s website makes its pricing plans transparent. Merchants will be charged different rates and fees depending on the POS software they utilize:

Merchants choosing Square Point of Sale are charged a swipe rate of 2.60% plus $0.10 and a keyed-in rate of 3.50% plus $0.15 and no monthly fee. Square for Retail users are charged a swipe rate of 2.50% plus $0.10 and a keyed-in rate of 3.50% plus $0.15 in addition to a $60 monthly fee per location with another $20 monthly fee for addition POS systems. Square for Restaurants users are charged a swipe rate of 2.60% plus $0.10 and a keyed-in rate of 3.50% plus $0.15 in addition to a $60 monthly fee per location with another $40 monthly fee for addition POS systems. Square Appointments users are charged a swipe rate of 2.60% plus $0.10 as individuals and 2.50% plus $0.10 for organizations of 2 to 10 employees. All users are charged a keyed-in rate of 3.50% plus $0.15. A monthly fee of $50 is charged to businesses with 2 to 5 employees. Businesses with 6 to 10 employees are charged a monthly fee of $90 per month.

Clover users are charged a monthly fee of $9.95 per device for Clover Register Lite while Clover Register Pro users are charged $29.95 per month. Users of either software option are offered a swipe rate of either 2.50% plus $0.10 or a flat rate of 2.69%. Keyed-in transactions are charged a flat rate of 2.99%

Poynt users are charged a monthly fee of $19.95 per device and are offered a swipe rate of either 2.50% plus $0.10 or a flat rate of 2.69%. Keyed-in transactions are charged a flat rate of 2.99%

GivePay also appears to resell various hardware options offered by Clover and Square.

The company charges $70 for CloverGo with an additional $11 per month for each merchant account. Clover Flex costs $399 without an additional monthly fee. Clover Station 2.0 costs $999 without an additional monthly fee. Clover Mini costs $375 without an additional monthly fee.

Square Readers are free for the first piece of hardware but cost $49 when a merchant chooses to include a reader for EMV and wireless transactions. Square stand costs $199, while Square Register is $799. Lastly, Square Terminal costs merchants $399 for the hardware.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, ClearGate also dedicates a portion of its website that advertises its virtual terminal and payment gateway services. The company offers merchants a choice between the Square Online Store and its proprietary GivePay Gateway. Merchants choosing the Square Online Store are charged a rate of 2.60% plus $0.30 and an annual fee of $144, $312, or $844 for its Professional Performance, and Premium Plans, respectively. Meanwhile, the GivePay Gateway charges a flat rate of 2.99% without any gateway or other monthly fees.

An “A” Overall

GivePay offers a comprehensive offering of POS solutions with different pricing plans attached to each of them. Given the company’s offer to merchants to purchase the hardware outright and its transparent pricing with the option to choose a flat rate, we award the company an “A” overall.


GivePay Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms Yes

Employment of Independent Sales Agents

According to the company’s website, GivePay employs independent sales agents. As the provider of POS solutions, the company employs independent software vendors and value added resellers. These independent sales agents are able to resell POS hardware and the software it includes as well as the merchant account services of GivePay.

Clear, Transparent, and Flexible Pricing

GivePay’s pricing and fee structure are clearly outlined on its website. The company’s website outlines the costs of hardware, POS software, and rates that it offers to merchants. The company also provides the choice of a flat rate for many of its swiped transactions.

A “B” Overall

GivePay’s lack of complaints regarding its sales practices is a positive sign for the company, especially considering its employment of independent sales agents. As is the fact that most of its rates and fees are clearly outlined on its website. On that basis, we give the company an “A” in this category.

Our GivePay Review Summary

Our Final Thoughts

Numerous POS Solutions and Flexible Pricing

GivePay’s ability to provide a multitude of POS options gives merchants in restaurant, salon, spa, real estate, and lodging industries a range of solutions that best fit their needs. With choices between Square, Clover, and Poynt hardware and software, merchants can also choose a model that fits their preferences as users as well as variable pricing for equipment and services. Those options, coupled with the company’s flexible pricing structure offering a flat rate option make it a good option for most merchants.

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Testimonials & Complaints

How Did GivePay Treat You?

1 User Reviews

  • Hayden June

    I absolutely love using GivePay for my business! This platform has been a game-changer for me. With GivePay, I can easily offer my customers a wide range of payment options, making transactions a breeze. The seamless integration of different payment methods has saved me time and hassle, while also boosting my sales.

    What sets GivePay apart is its user-friendly interface. Navigating through the platform is smooth and intuitive, even for someone like me who isn’t the most tech-savvy. Additionally, their customer support team is top-notch! They are always quick to respond and provide helpful solutions to any issues I encounter.

    Since I started using GivePay, my customer base has expanded, and I’ve noticed a significant increase in customer satisfaction. I highly recommend GivePay to any business owner looking to streamline their payment processes and offer a superior experience to their customers. It’s simply the best!

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