Passthrough Payments Review: Fees, Complaints & Lawsuits

Passthrough Payments
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Passthrough Payments

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PhonePhone(866) 416-5959 View Pricing

Before You Switch Processors, Find Out How Other Businesses Got Fee Refunds From Their Current Processor.

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 payment processing

Passthrough Payments offers standard payment processing services

Should You Trust Passthrough Payments?

Lawsuits, Reviews & Complaints

Here's Who We Trust.

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint

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

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.

Is the BBB Rating for Passthrough Payments Accurate?

Better Business Bureau Profile

See Which Processors Offer No Monthly Fees And No Contracts.

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 Service?

Rates, Fees, and Contract Terms

Don't Fall Into An Expensive Trap. See Who The Worst Processors Are.

Cost Summary

Swiped Rate
1.00% - 4.99%+
Keyed-In Rate
1.00% - 4.99%+
Early Termination Fee
PCI Compliance Fee
Equipment Lease Terms

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.

Does Passthrough Payments Use Deceptive Marketing?

Advertising & Sales Strategy

Audit Your Current Statement To Find Its Hidden Fees

Processing statements are intentionally complicated so that they can overcharge you. Get clarity before you switch.

Key Points

Employs Independent Resellers
Advertises Deceptive Rates
Discloses All Important Terms

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.

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.

Customer & Employee Reviews

What Others Are Saying About Passthrough Payments

4 Responses

  • 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 word for anything. He will lie to you about there charges.

  • Kyle Jones

    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.

    • Phillip CPO

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

  • Angel

    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

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Phillip Parker
Credit Card Processors
< 1 min read
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