Impact PaySystem Review

Category Breakdown
Sales & Marketing rated A
Costs & Contract rated A
Complaints & Service rated A plus
BBB Rating rated A plus

Overall Rating

A rating


Impact PaySystem ( 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 Industries Served
  • Debit and credit card processing
  • Check acceptance
  • Gift and loyalty programs
  • ATM placement
  • Online payment gateway
  • Mobile processing
  • Retail
  • MOTO
  • E-commerce
  • Restaurant
  • Healthcare

Related: Find The Best Processor For Your Business Type

Sales & Marketing | A

Key Points – Sales & Marketing
Uses independent resellers? No
Promotes deceptive rate quotes? 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

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Costs & Contract | A

Key Points – Costs & Contract Terms
Swiped rate: Variable
Keyed-in rate: Variable
Termination fee: Variable
PCI compliance fee: Variable
Equipment lease: 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.

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Complaints & Service | A+

Key Points – Complaints & Service
Total 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 only provides an email form on its “Contact Us” page, which suggests that the company may outsource its live support to its processor. Either way, the company’s current customer service apparatus appears to do an effective job of resolving complaints in-house.

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BBB Report | A+

Key Points – BBB Report
Product/service: 0
Billing/collection: 0
Advertising/sales: 0
Guarantee/warranty: 0
Delivery: 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.

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Bottom Line

Impact PaySystem Review

Rated 4.8 out of 5 Stars
Reviewed by Phillip Parker
Reviewed on 2015-04-16

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.

This review was originally published on 3/4/13 and was last updated on 4/16/15.

Leave your review of Impact PaySystem in the comment section below:

Phillip Parker is a former merchant services agent turned small business advocate and the author of "Fee Sweep," which teaches merchants how to dramatically lower their processing rates, eliminate junk fees, and avoid fine-print scams. He founded to help merchants enact positive change in the credit card processing industry. Schedule a Consultation with Phillip

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