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Passthrough Payments Review: Fees, Complaints & Lawsuits

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Rating

5/5
Passthrough Payments Logo
Website
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(866) 416-5959

Most Recent Comment

  • Dennis Arasheben:
    "This company is a fraud. Do not do business with this processor. Misrepresentation all the way. Watch out for Brent Posada. Do not take his..." Read More
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Rating:
5/5

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Passthrough Payments Logo
View Pricing
(866) 416-5959

Most Recent Comment

  • Dennis Arasheben:
    "This company is a fraud. Do not do business with this processor. Misrepresentation all the way. Watch out for Brent Posada. Do not take his..." Read More
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Serving Standard and High-Risk Merchants

Founded in 2006, Passthrough Payments is a merchant account provider that specializes in serving hard-to-place business types. At least one current employee of Passthrough Payments is a former employee of Vericomm, and both companies are based in Valencia, California. This may indicate that Passthrough Payments has inherited some or all of Vericomm’s team and infrastructure.

Passthrough Payments Payment Processing

Passthrough Payments processes all major debit and credit cards for most business types, including high-risk. Their services include: Virtual terminals, POS solutions from Clover, mobile solutions, and B2B processing.

Passthrough Payments Location & Ownership

Passthrough Payments is headquartered at 27965 Smyth Drive, Suite 104, Valencia, California 91355, and does not list its acquiring bank. Brian West, Kyle Jones, and Jana Haro are all current or former employees of Passthrough Payments.

Passthrough Payments Review Table of Contents

  • Costs & Contract: Passthrough Payments offers variable contract terms depending on each merchant’s business type, size, and processing history.
  • Complaints & Service: Passthrough Payments has received fewer than 10 public complaints.
  • BBB Rating: Passthrough Payments currently does not have a profile with the Better Business Bureau.
  • Sales & Marketing: Passthrough Payments hires independent sales agents but has not received any complaints about its sales practices.
Passthrough Payments payment processing
Passthrough Payments offers standard payment processing services

Is the BBB Rating for Passthrough Payments Accurate?

Better Business Bureau Profile

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see who will offer you the lowest pricing and best service

No Profile Available

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

How Expensive is Passthrough Payments?

Rates, Fees, and Contract Terms

This processor offers the lowest rates and best service we've seen

Cost 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

Passthrough Payments Contract Terms

There is no publicly available information about the standard Passthrough Payments 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. It also advertises a cash discount pricing program, which can theoretically diminish a merchant’s credit card fees to nearly nothing.

High Risk, High Fees

High-risk payment processors tend to charge higher-than-average rates due to the increased risk of chargebacks in high-risk industries. They may also enforce cash reserves to insulate themselves from fraud losses. High-risk merchants should therefore expect to receive stricter contract terms when processing payments through Passthrough Payments. We also encourage merchants to check out our list of the providers of the best merchant accounts.

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 difficult to assess at this time whether Passthrough Payments’ contract terms are competitive with the cheapest merchant accounts.

Does Passthrough Payments Use Deceptive Marketing?

Advertising & Sales Strategy

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Key Points

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

Inside/Outside Sales Team

Passthrough Payments 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 independent sales agents, and we are unable to locate any Passthrough Payments complaints that report unethical behavior by the company’s sales staff. This compares favorably to our list of best credit card processors.

No Misleading Quotes

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

Does Passthrough Payments Deserve Your Business?

Review Summary & Our Thoughts

A Reliable Option for Most Merchants

According to all available information, Passthrough Payments 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 merchant account providers.

5-Star Rated Passthrough Payments Competitors

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About The Author

Phillip Parker is a Payments Industry Analyst and creator of this blog, CardPaymentOptions.com. Phillip is passionate about researching merchant service providers and payment industry trends. He is often quoted as an expert source in national publications such as INC Magazine, The Los Angeles Times, Entrepreneur, and many others.

“I started this blog because I was disgusted by the business practices of the merchant services industry. I wanted to empower business owners by providing insight on how to avoid shady merchant account providers and costly credit card processing mistakes.” 

Phillip’s Processor Comparisons

Picking a credit card processor can be a headache, but we’ve made it easy. Phillip recommends comparing the best merchant services providers we’ve researched.

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What Others Are Saying About Passthrough Payments

Customer & Employee Reviews

4 Responses

  1. Hermosa Beauty

    This company is a fraud. Do not do business with this processor. Misrepresentation all the way. Watch out for Brent Posada. Do not take his word for anything. He will lie to you about there charges.

    Reply

  2. This is an awesome Credit card and Echeck provider. They have saved my company from going out of business and got me back up and accepting payments when my processor unexpectedly shut me down. I know Kyle, Brian and Louis personally and I highly recommend this company for any Cash advance or payment processing needs.

    Reply

    1. Hi Kyle, to authenticate your testimonial, please reply to this comment with your business information.

      Reply

  3. This is absolutely a terrible company to work for they are racist they are criminals they are drug addicts they are alcoholics and they have criminals working there behind bars on the phone with all your personal information I warn you do not do business with this company they are fraud they are just trying to sell you a service they’re not wholesale providers they are retail providers with high rates

    Reply

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