Impact PaySystem (impactpays.com) is a merchant account provider based in Cordova, Tennessee. The company’s website lists First Data, Chase Paymentech, and Global eTelecom as its primary processing partners. Founded in 2001, the company is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, California. Dee Karawadra is listed as the president of Impact PaySystem, which is located at 1164 Vickery Lane #200, Cordova, Tennessee 38016.

Impact PaySystem Products and Services

  • Debit and credit card processing
  • Check acceptance
  • Gift and loyalty programs
  • ATM placement
  • Online payment gateway
  • Mobile processing


  • Retail
  • MOTO
  • E-commerce
  • Restaurant
  • Healthcare

Sales & Marketing

Key Points - Sales & Marketing

Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms No

Impact PaySystem appears to rely on its website and traditional advertising to market its services. There is no indication at this time that the company partners with ISOs or independent sales agents, and we cannot find any negative Impact PaySystem reviews that accuse the company’s sales team of unethical behavior. In addition, the company does not appear to engage in deceptive advertising strategies in its official materials. We therefore award Impact PaySystem an “A” rating in this category.

Impact PaySystem Marketing Example


Costs & Contract

Key Points - Costs & Contract

Swiped Rate Variable
Keyed-in Rate Variable
Early Termination Fee Variable
PCI Compliance Fee Variable
Equipment Lease Terms Variable

There is very little specific information available about the standard Impact PaySystem contract at this time. The company likely offers the contract terms of its backend processors, First Data and Chase Paymentech, but it is unclear whether Impact PaySystem alters the terms of the agreement with any regularity. We are currently unable to locate any Impact PaySystem complaints that mention high rates, undisclosed early termination fees, or PCI Compliance fees, which is a positive sign that most of the company’s clients are satisfied with their service. If you have any knowledge of the standard Impact PaySystem contract, please leave that information in the comment section of this review.


Complaints & Service

Key Points - Complaints & Service

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

We are currently unable to locate any Impact PaySystem complaints that accuse the company of being a ripoff or a scam. In fact, the company is showing zero reviews or complaints across all non-BBB consumer protection websites. This indicates that the company employs a responsive and capable customer service team. The Impact PaySystem website provides a 24/7 customer support phone number, and its current customer service apparatus appears to do an effective job of resolving complaints in-house.



Key Points - BBB

Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Impact PaySystem is an accredited business with the Better Business Bureau. As of this review, the company holds an “A+” rating with the BBB and has had no complaints filed against it in the last 36 months. The company has also not received any informal reviews on its BBB profile, but it should be noted that these reviews are not subject to verification by the BBB. In light of the company’s clean complaint record, we agree with the BBB’s rating in this case.

Impact PaySystem Logo

Impact PaySystem Bottom Line

Impact PaySystem rates as a reliable merchant services provider according to our rating system. The company is showing zero complaints across all consumer protection forums. We do not have a great deal of specific information about this company’s contract terms, so merchants are advised to closely examine any contract they are asked to sign.

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