JPay Solutions Review: Fees, Complaints, Comparisons, & Lawsuits

JPay Solutions Logo
5
full star full star full star full star full star

How did they treat you? ▼

1/30/2021: As of this update, JPay Solutions has rebranded to Nuvio Pay. We will retain this review of JPay Solutions for informational purposes to better serve merchants.

A Full-Service Merchant Account Provider

Founded in 2015, JPay Solutions (jpaysolutions.com) is a merchant account provider that serves both standard-risk and high risk businesses. The company distinguishes itself from competitors by openly advertising its ability to serve cannabis-related industries, which are historically considered very high risk by payment processors. JPay Solutions should not be confused with JPay (jpay.com), a prison communications service that has no connection to the company covered in this review.

JPay Solutions Location and Ownership

JPay Solutions is headquartered in Los Angeles, California, and does not list its acquiring bank. Gerry Corrigan is the director of sales marketing of JPay Solutions.

JPay Solutions Review Table of Contents

  • Costs & Contract: JPay Solutions offers variable contract terms depending on each merchant's business type, size, and processing history.
  • Complaints & Service: JPay Solutions has received fewer than 10 public complaints.
  • BBB Rating: JPay Solutions currently does not have a profile with the Better Business Bureau.
  • Sales & Marketing: JPay Solutions may hire independent sales agents but has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With JPay Solutions

JPay Solutions Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
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.

JPay Solutions Online Ratings

Here's How They Rate Online

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.

JPay Solutions Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Swiped Rate 1.00% - 4.99%+
Keyed-In Rate 1.00% - 4.99%+
Early Termination Fee Variable
PCI Compliance Fee Variable
Equipment Lease Terms Variable

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.

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.

JPay Solutions Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
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.

Our JPay Solutions Review Summary

Our Final Thoughts

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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Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did JPay Solutions Treat You?

1 User Reviews

  • tyrone steed

    i think they scammers. ordered tablet 12/4/2020… tablet has not yet been sent. they refuse to send refund. in process of opening small claim case, call numerous times. just to be told bunch of crap

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