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Passthrough Payments Review: Fees, Complaints & Lawsuits
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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 complaints number fewer than 10 on public complaints forums.
- 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 Customer Reviews
Here's What Their Clients Say
|Total Online Complaints||<10|
|Live Customer Support||No|
|Most Common Complaint||N/A|
No Public Complaints
We are currently unable to locate any Passthrough Payments reviews that accuse the company of being a ripoff or a scam. This stands in stark contrast to Vericomm’s performance in this category. This seems to indicate that Passthrough Payments either employs a proactive and available customer support team or is very small. If you have your own Passthrough Payments review to make, please do so in the comments below.
Passthrough Payments Lawsuits
We have not found any outstanding class-action lawsuits or FTC complaints filed against Passthrough Payments. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
Passthrough Payments Customer Service Options
The Passthrough Payments website provides general phone and email contact information but does not list a dedicated customer support number.
We have located multiple Passthrough Payments customer service numbers:
866) 416-5959 – Toll-Free General Customer Service
(800) 398-3642 – Fax
Passthrough Payments also offers live chat and a customer service email at [email protected].
We will award Passthrough Payments 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.
Passthrough Payments Online Ratings
Here's How They Rate Online
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.
Passthrough Payments Fees, Rates & Costs
A Closer Look at The Contract
|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 Passthrough Payments 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.
Passthrough Payments Employee Reviews & Sales Tacitcs
Should You Work For Them?
|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 reviews 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 you are being charged undisclosed Passthrough Payments fees, we recommend seeking a third-party statement audit to eliminate hidden charges.
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