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Passthrough Payments Review

Phillip Parker
Phillip Parker

I was tired of watching unethical merchant services companies take advantage of unsuspecting business owners, so I built this website and wrote hundreds of reviews to expose their shady business practices.

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Passthrough Payments Overview

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Rating

5/5
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(866) 416-5959

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Rating:
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(866) 416-5959

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Serving Standard and High Risk Merchants

Founded in 2006, Passthrough Payments (passthroughpayments.com) 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 Location and 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.
  • Rates & Fees: How Merchants Got The Best Rates With Passthrough Payments
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Passthrough Payments Rates, Fees, and Costs

Passthrough Payments Rates, Fees, and Costs

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.

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.

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Passthrough Payments BBB Rating Summary

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.

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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

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.

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.

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Sales & Marketing Example

Our Opinion Of Passthrough Payments

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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.

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Why I'm Qualified to Write About Credit Card Processing

I’m a small business owner who previously worked in the credit card processing industry. I started this blog in 2009 to help other business owners by exposing credit card processors that engage in unethical marketing, rate and fee trickery, and fine-print-contract schemes. Over the last decade, I’ve reviewed hundreds of merchant services providers which has helped to educate over 5 million businesses on the nuances of credit and debit card acceptance. I’ve appeared in the New York Times, Los Angeles Times, Inc. Magazine and a host of other publications to offer insight on the subject of card acceptance. 

I offer merchant account and credit card processing consultation for the following needs:

  • Selecting the right credit card processing services for your business.
  • Reducing credit card processing fees with your current merchant account provider.
  • Negotiating credit card processing fees when changing merchant accounts.
  • Strategies for reducing and recovering funding holds and chargebacks.

 

Schedule a call with me today!

 

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