JPay Solutions Overview

Offering Customer Financing Options for Merchants

Founded in 2003, JPay Solutions is a merchant account provider that serves most business types, including high risk merchants such as cannabis and CBD companies. The company is a reseller of NPC/Vantiv contracts. The company emphasizes its specialization in processing card-not-present transactions.

JPay Solutions Location and Ownership

JPay Solutions is headquartered at 841 E. Fairview Ave #101 Meridian, Idaho 83642, and does not list its acquiring bank. John Staley is the CEO of Paramount Payment Systems.

JPay Solutions Review Table of Contents

  • Costs & Contract: JPay Solutions offers a three-year contract through NPC with a liquidated damages-style early termination fee.
  • Complaints & Service: JPay Solutions has received fewer than 10 public complaints.
  • BBB Rating: JPay Solutions does not have a profile with the BBB.
  • Sales & Marketing: JPay Solutions hires independent sales agents and but has not received complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With JPay Solutions
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Products & Services Offered

Types of Businesses Served

  • Retail
  • E-commerce
  • Gaming
  • Cannabis
  • High risk

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JPay Solutions Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%+
Keyed-In Rate 1.00% - 4.99%+
Virtual Terminal Rate 1.00% - 4.99%+
Payment Gateway Fee Undisclosed
Early Termination Fee Undisclosed
PCI Compliance Fee Undisclosed
Equipment Lease Terms Undisclosed

JPay Solutions Contract Terms

There is no publicly available information about the standard JPay Solutions contract at this time. It is likely that the company customizes its pricing and terms according to each merchant’s business type, location, and processing history. The company’s wide range of preferred merchant types means that it could offer long-term equipment leases for certain merchants’ needs.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, JPay Solutions also dedicates a portion of its website that advertises its virtual terminal and payment gateway services. However, pricing on either of those services is not disclosed. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.

High Risk, High Fees

JPay Solutions’ focus on hard-to-place industries increases its exposure to chargebacks and regulatory hazards. To compensate for this elevated level of risk, the company and its banking partners may charge higher-than-average per-transaction fees and require the establishment of a cash reserve. This is a common practice within the payment processing industry, and merchants operating in high-risk spaces should be prepared to receive rate quotes in excess of 5%.

No Red Flags

The total absence of complaints about the company’s contract terms merits an “A” in this category, but it should be noted that we are assigning this grade without any verified knowledge of specific pricing. It is unlikely that JPay Solutions’ contract terms are competitive with the cheapest merchant accounts.

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Response from JPay Solutions

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JPay Solutions Complaints & Customer Reviews

Key Points

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

No Public Complaints

We are currently unable to locate any JPay Solutions complaints that accuse the company of being a ripoff or a scam. This seems to indicate that JPay Solutions employs a proactive and available customer support team.

JPay Solutions Lawsuits

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

JPay Solutions Customer Support Options

The JPay Solutions website provides general email contact information but does not list a dedicated customer support number. We will award JPay Solutions an “A” rating in this category, but the company’s current customer support options do not qualify it as a top-rated customer service processor.

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Response from JPay Solutions

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JPay Solutions BBB Rating Summary

No Profile Available

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

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Response from JPay Solutions

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Truth In Marketing & Advertising

Key Points

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

Inside/Outside Sales Team

JPay Solutions appears to rely on a combination of independent resellers and in-house staff to market its services. There is no evidence at this time indicating that the company employs a large team of independent sales agents, and we are unable to locate any JPay Solutions complaints that report unethical behavior by the company’s sales staff.

No Misleading Quotes

JPay Solutions does not appear to engage in any deceptive advertising strategies in its official materials. If you suspect that JPay Solutions is charging you undisclosed fees, we recommend seeking a third-party statement audit to eliminate hidden charges.

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Response from JPay Solutions

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JPay Solutions Logo

Our Opinion of JPay Solutions

A Reliable Option for Most Merchants

According to all available information, JPay Solutions rates as a dependable merchant services provider. There is not a lot of specific information available about the company’s sales tactics or contract terms at this time, but its clean complaint record is a very positive sign. Even when dealing with companies that rate highly by our standards, we urge merchants to thoroughly examine the terms of any contract they are given and to compare its pricing to top-rated high risk payment processors.

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Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

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4 Reviews Leave Your Review for JPay Solutions Below

  1. selah abrams says:

    JPAY Solutions is our preferred payment processor. Why? results. We get emails every day promising the world, and they’ve all been a waste of time, fly by night operators that can’t get us boarded and are not there to support us for issues like gateway integration and declines. JPAY has done this with flying colors and we appreciate them for it. It’s not always about the rate and terms – if you’re down (which happens a lot in high risk) you need it fixed and to know the processor is there for you and your customers.

    1. Brian Clark says:

      Selah,

      Could you verify the name and location of the company you’re leaving this review on behalf of?

      -Phillip

  2. jar devine says:

    As a hemp CBD merchant, I had so many processing reps reach out with crazy promises and zero results, wasting our time. JPAY gets it done professionally, and answered all of our questions. They really have our back, offering multiple methods of payment including credit and debit cards, eCheck and ACH. When something goes wrong, I hate having to track down the vendor like I’m some kind of bounty hunter – they should be easy to reach and figure out the solution like JPAY does. Thank you!

    1. Brian Clark says:

      Jar,

      Could you verify the name and location of the company you’re leaving this review on behalf of?

      -Phillip

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