PayAnywhere Credit Card Processing 2023: Reviews & Complaints

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Company Overview

PayAnywhere, sometimes spelled as “Pay Anywhere,” is a mobile credit card processing service offered by North American Bancard. However, this service warrants its own review because it is a departure from North American Bancard’s traditional merchant services. It should be noted that even though the service is powered by North American Bancard, the actual processor of the credit card transactions is Global Payments.  The company also offers a tablet-based point-of-sale system called PayAnywhere Storefront in addition to its two mobile phone card readers.

Article Summary:

Be we dive in, here’s a short summary of what we’ll cover:

  • PayAnywhere’s various payment processing services.
  • PayAnywhere has been criticized for its high fees and aggressive sales tactics.
  • Some users have also reported problems with customer service.
  • PayAnywhere’s fees are higher than some other mobile credit card processing services.
  • PayAnywhere has been accused of using aggressive sales tactics to sign up merchants. For example, some merchants have reported that they were pressured into signing up for a contract without fully understanding the terms.
  • PayAnywhere’s customer service has been criticized by some users. For example, some users have reported that they had difficulty getting in touch with customer service representatives and getting problems resolved.

PayAnywhere Payment Processing

PayAnywhere processes all major debit and credit cards for all business types. The company specifically focuses on its PayAnywhere software which includes a mobile app, a virtual terminal, invoicing, recurring billing, employee tools, inventory tools, data analytics, PCI Plus security, next-day funding. The software also is also included with PayAnywhere’s hardware offerings which include smart terminals, smart point-of-sale, mobile readers, and accessories such as printers, docks, and cash drawers.

Mobile Point-of-Sale Solutions

One of the main features of PayAnywhere is its mobile point-of-sale (POS) solutions. The company provides a user-friendly mobile app that can be downloaded to compatible smartphones and tablets. This app allows merchants to accept payments, manage inventory, and access real-time sales data from anywhere. Additionally, PayAnywhere offers mobile card readers that can be easily connected to smartphones or tablets, transforming these devices into mobile payment terminals.

Virtual Terminal

For businesses without a need for a physical payment terminal, PayAnywhere offers a virtual terminal option. This web-based application allows merchants to process payments securely from any internet-connected computer. The virtual terminal is an ideal solution for e-commerce businesses, phone or mail order companies, and professional services providers that require a flexible payment processing solution.

Recurring Billing

PayAnywhere recognizes the importance of offering recurring billing options for businesses that need to charge customers on a regular basis. Their platform includes features to set up and manage recurring payments, making it easy for businesses to maintain consistent cash flow and streamline their billing processes.

Detailed Reporting and Analytics

PayAnywhere provides merchants with access to comprehensive reporting and analytics tools. These tools give businesses the ability to track sales trends, monitor customer spending habits, and gain insights into their overall financial performance. By having access to this data, merchants can make informed decisions to improve their business operations and drive growth.

Customer Support

PayAnywhere offers customer support through various channels, including phone, email, and live chat. Their support team is available to assist merchants with any questions or issues they may encounter while using their payment processing services. This ensures businesses can maintain seamless payment experiences for their customers.

A Growing Processing Service

PayAnywhere is North American Bancard’s answer to Square’s mobile credit card processing service. The service appears to have launched in 2010, but it has not enjoyed the same kind of buzz and popularity as Square. Even so, PayAnywhere has been garnering an increasing amount of media attention and has outlasted Intuit’s GoPayment as well as a few other early mobile competitors.

Location & Ownership

PayAnywhere is headquartered at 250 Stephenson Hwy. Troy, Mi 48083. Marc Gardner is the president and CEO of North American Bancard.

Video Summary

Table of Contents

  • Costs & Contract:  Month-to-month contract with no early termination fee of…
  • Complaints & Service: More than 300 public complaints regarding…
  • BBB Rating: Currently has a “B-” rating with the Better Business Bureau and is not accredited. The company has received…
  • Sales & Marketing: Hires independent sales agents and has received some complaints about…
pay anywhere's pricing for services
Pay Anywhere advertises no cost for many support services.

PayAnywhere Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Item Result
Total Online Complaints 300+
Live Customer Support Yes
Most Common Complaint Fund Holds
Recent Lawsuits Yes

High Complaint Total

We are currently able to locate over 300 negative PayAnywhere reviews, many of which describe the company as a scam or ripoff. Although the company has a very large client base and should be expected to have some complaints, it has seen a steady increase in complaints since our last update. Two major themes are consistently mentioned by complainants: As noted earlier in this review, PayAnywhere holds funds in order to reduce the risk of fraud. Additionally, the company’s policies seem to have a broad definition of which types of transactions qualify as fraudulent, which has resulted in numerous complaints from seemingly legitimate merchants. If you have your own PayAnywhere review to make, please do so in the comments below.

Pricing Discrepancies

There have also been a few clients reporting that PayAnywhere charged other fees in addition to the processing fee. PayAnywhere’s full pricing can be found here, but we have found reports of other possible fees that include a $25 Chargeback fee, a $25 NSF fee (Non-Sufficient Funds), and a $15 “Retrieval” fee which is left undefined. If you have experienced fees outside of the processing fees or those listed in PayAnywhere’s disclosed pricing, please leave a review in our comment section below detailing your experience.

PayAnywhere Lawsuits

In March of 2017, a class-action lawsuit was filed against PayAnywhere in California. The suit, Gerald McGhee v. North American Bancard LLC, alleges fraudulent business practices such as intentional misrepresentation, unjust enrichment, and a breach of good faith and fair dealing. The case is yet to reach a resolution. This, coupled with North American Bancard’s other legal issues is a cause for concern for business owners considering the PayAnywhere platform.

PayAnywhere Customer Support Options

A common complaint is of receiving poor and unprofessional customer service when calling into PayAnywhere’s customer support. It appears that the calls are routed to the same call centers as regular North American Bancard customers, which also rates poorly in this category and falls way short of what we expect from top-rated credit card processors for customer service. This definitely diminishes the edge over Square that PayAnywhere might have achieved by providing live customer support.

PayAnywhere Customer Service Numbers

  • (877) 387-5640 – Toll-Free General Customer Service
  • (888) 579-4787 – Equipment Setup

Other Support Options

  • Live chat
  • Chatbot
  • Online support library

PayAnywhere Online Ratings

Here's How They Rate Online

Online Ratings Summary
Item Result
BBB Reports 29

Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.

Over 10 Complaints

Pay Anywhere currently holds a “B-” grade with the BBB and is not accredited. It should be noted that at the time of a recent review, Pay Anywhere’s BBB account was under review with the BBB and has since been restored. In being restored, the company’s previous complaints and reviews have been effectively wiped, meaning that the current numbers do not represent the company’s overall complaint totals. The company’s profile is currently showing 12 complaints in the last 36 months. Before the profile wipe, Pay Anywhere had 139 complaints in the prior 3 years.

What Merchants Say

In addition to the 12 complaints filed with the BBB against Pay Anywhere, there have been 17 informal reviews. Of those reviews, all were 1-star reviews. A recent negative review refers to high charges, difficult setup, and poor customer support:

Horrible customer service horrible experience using that platform they cost my buisness $5000 dollars and a $1500 dollar commission. Only used their system for 5 days has been an absolute nightmare dealing with them and their system. Do not use them.

Clients can avoid situations like this by choosing a provider with a history of great customer service.

“C” Level Performance

In light of the company’s complaint total and resolution ratio, we have adjusted the BBB’s rating to a “C.”

PayAnywhere Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Item Result
Cancellation Penalties No
Monthly & Annual Fees Yes
Processing Rates Variable
Equipment Leasing Per-machine cost

PayAnywhere Pricing

As of this review, PayAnywhere’s smartphone app has no setup fees, no monthly fees, and no cancellation fees, and it comes with a free card reader that plugs into the audio jack of compatible smartphones. Businesses can buy additional 2-in-1 readers for $29.95 and 3-in-1 Bluetooth Credit Card Readers for $49.95. PayAnywhere’s “Pay As You Go” plan offers processing fees that are similar to those of Square and GoPayment with a 2.69% fee for sliding a credit or debit card through the attached card reader and 3.49% plus $0.19 for keyed transactions. These rates apply to all card brands, including Discover and American Express. The company also charges a monthly inactivity fee of $3.99 for clients that do not process a transaction for over 12 months.

Standard PayAnywhere Plan

Merchants who opt for the company’s “Standard” plan and use PayAnywhere Storefront will pay 1.69% per Qualified swiped transaction, 2.69% per Non-Qualified swiped transaction, and 3.69% plus $0.19 per keyed-in transaction. Storefront users will also pay a basic service fee of $12.95 per month and a monthly minimum fee of $79 if monthly volume is at or less than $5,000. PayAnywhere Storefront also provides a free tablet to each client. As of this review, the service is compatible with most current Apple devices (iPhone, iPad, iTouch), Android (2.4 or later), and many Blackberry models.

Frozen Accounts and Fund-Holds

Since our last review, PayAnywhere has received a consistent stream of complaints regarding its cash reserve and termination policies. Like many of its competitors, the company appears to commonly freeze accounts or withhold large payments in anticipation of potential chargebacks. The problem is that PayAnywhere appears to provide little notice or justification for these holds, effectively keeping businesses from their own money without their knowledge. This does not compare favorably to our list of best credit card processors.

Client Complaints

PayAnywhere’s terms of use grant it a great deal of liberty when establishing reserve accounts (including the right to collect interest gathered on withheld funds), and client complaints about this policy indicate that the company is not doing enough to prevent its merchants from exceeding their limits. Business owners looking to avoid potential fund hold issues from PayAnywhere may be better served by a top-rated mobile credit card processing app.

PayAnywhere card reader

PayAnywhere’s basic 2-in-1 card reader is free for the first reader, while the 3-in-1 costs $50

PayAnywhere Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Item Result
Uses Independent Resellers Yes
Telemarketing Unclear
Misleading Marketing No
Discloses All Important Terms No

No Deceptive Advertising

PayAnywhere does not appear to use any deceptive marketing or sales tactics in its official sales materials. It looks as though the company primarily markets its service through advertising, public relations, strategic partnerships, and referrals from North American Bancard. This compares favorably to our list of best credit card processors.

Fund-Hold Issues

Some merchants have reported that, like Square, PayAnywhere fails to mention prior to account setup that it may hold funds to mitigate risk. Specifically, some negative PayAnywhere reviews state that the company holds large amounts of funds with no prior warning of its hold policies and that the company takes a long time to release these funds. We have lowered the score of this section to reflect merchants’ sentiment that PayAnywhere’s marketing is slightly misleading when it comes to its fraud prevention policies.

Our PayAnywhere Review Summary

Our Final Thoughts

PayAnywhere rates as an average credit card processing provider according to our rating system. There are currently numerous reports of clients experiencing holds, poor customer service, and fees outside of the company’s stated pricing. Some of these fee complaints may just be a misunderstanding of charges or confusion in the way PayAnywhere bills its fees. PayAnywhere is currently only available in the United States, so merchants based in the UK and elsewhere are tasked with finding other mobile processing options. It should also be noted that although our initial review of the company was positive, it contained outdated pricing and device compatibility information. North American Bancard’s approach was to threaten us with “legal redress” if we did not update it immediately. We have updated this review (as we do every 12 to 18 months) only in the interest of accuracy, and with new insight on NAB’s strategy for dealing with publishers.

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Your Comments & Reviews

How Did PayAnywhere Treat You?

345 Responses

  • Jim Lafferty

    I signed up for pay anywhere in 2011. It was great until a month or so ago when the updated the app for iphone/ipad. Since then nothing works. Tech support has been no use. They are getting hammered on apple app reviews. Im canceling my acct monday morning and going with someone else.

  • Worst cc processing app ever. They updated their app and now it has so many bugs none of the payments processed will even show up for days. There is no way you can run a business with it. It has been messed up for a month now and every time we call they say they are aware of the problems and are trying to fix them but have no idea when things will be resolved. How are we expected to run a business? We are switching to Square. This service is absolutely unacceptable. I never comment on anything online, but have taken the time to do this so others won’t make the wrong choice and spend money and waste time on this horrible lack of service.

    I am telling you now… beware! Please save yourself from all the wasted time, frustration, and poor reflection on your business… Don’t go with Pay Anywhere!

  • Pay Anywhere has dropped the ball on several occasions. My first transaction didn’t go through due to a technical glitch. It had to be forced on. I sent the receipt to my customer and assumed it was fine. The charge was in May and I didn’t find out until a month later that there was a hold placed on the account. The employee stated that he tried contacting me, however, this was my first email I had received from him. I responded to his request for paperwork within a half an hour. I never heard from him, so I contacted him. He claimed he sent me an email. Again, no email was received. Its been five days now since the monies were released, and I still have yet to receive my credit to my account.

    I continued to have issues with the app and couldn’t get it to accept another charge. They kept issuing service tickets, yet no one ever called me from the IT Department, regarding the problem. The employees are generally pleasant, however, they never follow through with the complaint.

    I have since gone with another company due to the horrible service I’ve received. Stay far away from this company!!!

  • This company is the worst I have ever dealt with. I have been trying to collect my money from them for 3 months. I now found out that they have another customer using my account number. I am owed hundreds of dollars from them and after being on the phone with them for numerous hours upon hours… solution….no money.

  • Deborah Noonon

    Payanywhere has severe accounting problems. It took three tries to open a merchant account with them. Only to find that my business “Meditation Instruction” is considered to be a ‘RISKY’ business, and they declined my account. OMG what has the world come to when meditation is risky?

    Bottom Line: This pay system is not worth the lower fees. I’m using my Square and will never stray from it again. Never had a problem with it, just thought the lower interest rate was attractive. It wasn’t.

  • This is a BIG SCAM. i made 5 different transaction last week. i was very clear with them when a firs open the account and i tell them i work in the hospitality industry and people pay me with international credit cards. THEY TELL ME NO PROBLEM. GUESS WHAT? THEY WANT TO HOLD MY MONEY FOR 6 MONTHS. AND I DON’T KNOW WHAT TO DO NOW. THIS PEOPLE WORK WITH YOU MONEY. IF ANYBODY KNOW WHERE I CAN PUT A FORMAL LEGAL COMPLAINT PLEASE HEP ME. (PLUS CUSTOMER SERVICES IS SUCK).

  • Allen Ennis

    I was an actual customer that used the Payanywhere service for my business. I spent more time on the phone with their awareness department chasing my money than I did working. Every transaction I processed through their credit card service was flagged. I was never called or emailed from their company. I had to call multiple times to explain every transaction and fax invoices to get paid, which generally took several weeks. If you are a successful company that has transactions over $250 per sale, don’t waste your time with Payanywhere. They finally dropped me after the third month because they said I was processing to much money. They would never increase my limit of $5000.00 a month. Sorry for being successful. I got punished for making money.

  • I charged my first transaction 5 days ago. Still waiting to have it deposited into my account. The auditor said it should be deposited 2 days ago. I will update let you know how long it actually takes

    • Mike, I can sympathize with you! This too has happened to us, it has been a week today since I have yet to receive funds. I faxed over additional information and the agent keeps telling me she has to take it to underwritering, because it is over our limit. I think this is a service that is an inconvience than convience. You think you were being audited by the IRS. Will never use this service again.

  • Please don’t use them! I called before I made a $1350 transaction to make sure there were no problems. They asked me to send a copy of the invoice(for what reason who knows). I did anyway. They asked how much was in my bank account in case of a charge back( i guess I can see that). A “supervisor” approved it told me there would be no problems so I did the charge. The next day I get an email saying they are auditing me and want 3 months bank statements and a business profile???? before they release my money. I called the extension and voice mail. I called 3 more times and still voice mail the last one stating she went home. I called another extension and she said she would help me. she puts me on hold for a pretty long time then comes back with we are doing audit and send this stuff in and they will look at it. If they would have told me up front when I first called I would have just threw the card reader away and used paypal like I ended up using at a lesser rate. They put me on with another person to do the refund and she said I didn’t need to talk to her just do it on the phone. I do the refund on the phone and it won’t email a receipt. Now my customers have 2 $1350 charges on their card and no proof of the refund. I am very upset because I called them to clear this first. Use some other way to take cards is my advise.

    • Paul Herron

      Ok a year has almost gone by and I get a letter today from a collection agency. They say i am delinquent and turned over for collection and must pay $1386.22. They never sent me any money. I canceled their BS account a year ago. I have not heard anything about any of this until now. Am I going to have to hire a lawyer now? They did remove the 2 charges to my customer but I never received anything. I am so pissed at this joke of a company.

  • Bob Farmer

    Spent 2.5 hrs on the phone trying to get paid from a transaction I have reicept for, from pay anywhere and all i got got for help was getting sent back and forth between departments. they owe me $810 and I got nothing but a run around. customer service sucks. stay away form these a-holes. you will lose money.

  • I saw all the bad reviews and I feel that’s usually all you get are the angry people, so i’ll leave my review as of now. My duct cleaning company has received every payment. I signed up just for one customer that would make it much faster if I accepted cards. Every transaction has been great and fast. No problems. BUT I just tried to process one manually and it’s been declined…. Last transaction was over 2k 2.5 months ago. Im 100% business to business so most of my transactions are check. Looking at the reviews maybe they recently got hit hard by fraud and are now taking it out on customers or maybe their going down and doing the best to hold on to as much as they can for bankruptcy? Or maybe following paypals model which is hold funds and collect millions in interest and settle lawsuits. Either way, I’m scared to process large payments again and I will try to get this 375 processed and leave a follow up review for my fellow honest small business owners here. I feel for you people, pretty disgusting the way banks and uncle sam kick us around.

  • PayAnywhere First transaction. I ordered the PA service on line, received the card reader in just a few days and set up a merchant account. The on-line service was user friendly and well designed to guide you through and explain the process. Made the first sale and the reader coupled to my Samsung Android worked flawlessly. sale was “approved’ and I went away happy. Two days later I received an Email from PA thanking me for the new account and promising payment in two days. Later that same day, the trouble started: another Email ” your payment will be delayed for review”, then the next day another Email “…to protect our merchants’ accounts from threats of fraud…” (that’s how tyrants always start) “send the name and address of the card holder, three months of your bank records’… etc.

    Now I don’t think it is unreasonable for a credit card acceptance co. to ask for three months bank records. They have to know that they can reach back to collect from me for charge backs and the like from Visa if any should occur.

    My objection is the lie, this is not to protect my merchant account, but to secure their ability to collect from me if the need should arise. and the timing, if bank records are needed, collect them before the merchant has accepted the card for payment, They have put me in an untenable position.

    This practice was referred to in their Email as a random check. It makes me wonder, what do they mean by random? one in one-thousand? Nine-hundred ninety-nine in one thousand?

    I don’t believe any business can afford to use a bank that employs these tactics.

  • I am really surprised unlike pay pal, pay anywhere charge you the fees twice. With paypal when I refund something they refund the fees they deducted from payment. I made a refund request a refund on May 25th 2013 and yesterday seeing my bank statement was surprised, for that transaction there was $4.44 deposited to my bank account but when I refund they debited my account with $5.36 that means they are charging even for refund. I really don’t like this. If they are doing this they should say this on their home page or in advertisement. Per transaction means REFUNDED transaction also. So before refund people must have know just amount was deposited not enough they should have EXTRA fee for payanywhere :D

  • MONDAY, APRIL 8, 2013
    Applied for merchant account. Application process asked for name, phone number, address, social security number and bank account information.

    After applying for the account, I received an email notification that the account had been approved.

    After adding the app to my iPhone, I received another email that I could access the Merchant Portal.

    When I logged into the Merchant Portal, it informed me that I need to add my bank account information again (account ending in **7675). I added this information and received a message that my bank account could not be verified and I needed to contact Customer Service. I contacted the Customer Service department who explained that the message regarding my bank account was a system error. The representative verified my account information and told me that all required information was in the application and I could start taking payments immediately. I asked if there were any account limits or verification processes that needed to occur and she told me that unless I was making charges in excess of $10,000 a day, no additional information was needed. She also told me that I was set up for next day funding but it would take 24 hours for the bank account information to be active so it would be 48 hours before I would see a deposit into my account.
    Throughout the remainder of the day, I processed $1397.88.
    According to PayAnywhere’s website, charges should be available in “real time” for view via the Merchant Portal.

    I attempted to view the transactions online but they were not available. According to PayAnywhere’s website, you can get assistance 24/7.

    When I attempted to call or online chat, a message stated that they were closed and to call back during normal business hours: 8am-10pm, est.

    TUESDAY, APRIL 9, 2013
    I received an email stating that I needed to add my bank account information.

    I contacted the customer service department and customer service through online chat to find out why I wasn’t able to view my transactions online and to find out why I was receiving an email stating I needed to add Bank Info. I was informed that viewing transactions online could take up to 48 hours and that there was no bank information on my account. I gave my bank information and was told it would be forwarded to the correct department and would take 24 hours to verify so it would be another 2-3 days before transactions were transferred to my bank account the first time but next day funding after that.

    I received an email later in the evening stating that my first batch of transactions was under review and I needed to contact Merchant Awareness. I emailed the Merchant Awareness department asking what this meant and what they needed. I never received a response.

    WEDNESDAY, APRIL 10, 2013
    I received an email congratulating me on my first transactions and stating that my transactions would be deposited into my bank account ending in **3577 within 2 days. This was not my bank account number. Although the number was wrong, I took this to mean that my first batch had been approved since I hadn’t received a response from my email to Merchant Awareness.

    When I logged into the Merchant Portal, I reviewed the “Settlements” link and found that a deposit of $1155.91 was deposited into my account and the account number was incorrect again (**2238).

    I was unable to contact Customer Service as they were closed for the evening.

    THURSDAY, APRIL 11, 2013
    I received another email stating that I needed to add my banking info.

    FRIDAY, APRIL 12, 2013
    8am, est: I contacted the Customer Service department to let them know there was the $1155.91 deposit was put into the wrong account, I was told that was simply a reporting error. I also told them that I had received another email stating I needed to add my account information and I was informed that they had my current account information. When I asked why there had not been any deposits into my account yet, I was informed that they were being held by the Merchant Awareness department and I needed to call back when they get in the office, 9am, est.

    I called back at 9:15am, est and was transferred to a representative in the Merchant Awareness department, I was informed that my transactions and business needed to validated as there was no business description on my account. I informed them that a business description was never asked for during the application process. I then informed the representative that I sell items via Craigslists, Pennysaver, Recycler, etc. The representative informed me that these were prohibited activities for them and they would be holding my deposits for 120 days. When I asked her to point out where I had signed an agreement to this information, she told me it was in the Terms and Conditions. I asked her to send me a copy of the Terms and Conditions and she told me that I received them when I applied so they didn’t need to be resent. She also pointed out that according to the Terms and Conditions, they could hold my funds in a reserve account at their discretion. When I asked her why they would be held, she again stated that my business was a prohibited activity. I asked her to tell me where it stated that on any documents that I had seen. She said I needed to speak with Adrian in the Risk department to see if they would release the funds. She gave me his phone number and email address and told me I needed to forward him copies of all transactions. I sent an email to Adrian outlining my business along with copies of all transactions and copies of correspondence I’d had with PayAnywhere since I’d signed up so that he could see the issues I was having.

    After numerous emails and 2 more phone calls, they finally told me that they were simply issuing refunds to all my customers and I would need to recharge them. If I had any questions, I could call 800-226-2270 ext. 1400.

    I attempted to call the number given to verify the refunds. The number indicated went through to an automated solicitation line that told me I had won a 2-day cruise to the Bahamas. It stated I could press any key to talk to a representative about setting up my free cruise and paying the $59/person port fees. It also stated that if I wasn’t interested, to hold. It repeated the same offer 3 different times and then finally stated that if I needed additional information, call: 800-712-3000. When I called that number, I again received an automated solicitation for All State Insurance and then received options for education, government, and horoscope which was obviously the wrong number again. I sent the following email to Adrian which received no response.

    I called the Customer Service line and asked to be transferred to Merchant Awareness. I immediately asked to speak with a Supervisor. I was placed on hold then told that a Supervisor was not available. At this point, I was upset and crying and I stated I was not hanging up until I spoke with a Supervisor. I was told the Supervisor was on another call but should be done in a few minutes if I wanted to hold. I was placed on hold for another 17 minutes before the Supervisor came on the line. I told her I wanted to get status on the refunds and she informed me that it could take anywhere from 3-10 days for the refunds to go through. I again pleaded that they simply deposit the transactions and close the account as the $1600 they were holding was my rent and food money and to go back to my customers and ask them to pay again after the money was refunded would make my business look bad. I again went over the fact that their Terms and Conditions stated nothing about my business model being prohibited and she stated it wasn’t in the Terms and Conditions I saw, but the criteria they had on their end in the risk department. I pointed out my conversations with Customer Service where they told me that everything with my account was ok before I started processing and again, she stated that they automatically approve everyone and let me them process transactions but they review the accounts before allowing deposits. I stated that this was unethical business practice as I would have had no way of knowing that my business model was prohibited and that they shouldn’t be allowed to take money from my customers if they aren’t planning on giving me the money for products they purchased. I again requested a copy of the Terms and Conditions and was again denied. Intermittently she would place me on hold for long periods of time. While I was talking to her, I started a fake account on their website in order to get a copy of the Terms and Conditions. She stated that I was lucky they were refunding my customers payments as they could hold funds for 180 days. She also asked why I created a fake account and I told her that it was to get a copy of the Terms and Conditions. She stated that they had canceled that account. She also stated that they had already processed the refunds on their end and it would take the customer banks 3-10 days to put it back in the accounts and there was nothing else they could. She also stated that my transactions could not be verified. The conversation culminated with her stating that there was nothing else that they could do.

    April 19, 2013
    Contacted PayAnywhere to check on the status of the refunds. After sitting on hold for 25 minutes, I was informed that they were unable to verify the refunds yet and that if they still hadn’t posted in the next two weeks, I could call back to obtain further information.

    May 7, 2013
    After hearing from numerous customers that they had not received their refund, I contacted PayAnywhere to get verification of the refunds. After sitting on hold for 45 minutes, I had to hang up as I had customers to attend to. No one ever answered my call after I was transferred to the Merchant Awareness department. I contacted my customers and asked them to verify with their bank that they had not received a refund or that one wasn’t pending.

    May 28, 2013
    Heard back from a few customers that they still had not received a refund. I again contacted Pay Anywhere to check on the status of the refunds. After sitting on hold for 27 minutes, I was told that the refunds had been processed. When I asked for verification, I was told that they could not provide verification other than the verbal verification that the refunds had been processed. After stating that this issue would be presented to my attorney and the FTC, I was told that they would send me a verification via email of the refunds. This email was nothing more than the original email I received on April 12th telling me that the refunds were being processed (and, although they had told me that the refunds had processed on the 12th, in this email, the date changed to the 24th). When I emailed back asking for a transaction number or authorization code, I was told that this is all they had and they would need a copy of my customer’s bank statements to verify that the refunds had not been processed.

    To date, I still do not have resolution. I will now be contacting an attorney, the Federal Trade Commission, the Consumer Financial Protection Bureau, Federal Financial Institutions Examination Council and BBB. If you would like any verification of the items above, I have email copies of all correspondence.

  • robert k white

    bought at Home Depot ,advertising states$10 purchase price rebated after first sale and no processing fees for the first month. Both untrue . I called and customer service stated it was my responsibility to ask for those offers. I have done 2 referrals on their site under my merchant ID and was told I would get a $50 referral fee. Also untrue. I once again called customer service and they told me they have no way to track your referral you make . You need to call about that and must have the referrals merchant ID.

  • Very strange communications from PayAnywhere via email though they have been helpful on the phone.
    Merchant portal is an abomination of design and slow.
    There are hidden fees they can not explain to save their lives.
    App for Android 4.2.2 has bugs (will not take verification password for the app) so we will have to move on.

  • I recently received the Pay Anywhere service and made two charges manually on the Pay Anywhere App on my phone. I work another job which required my services for 6 plus days which left me no time to check my business account for our checking account for6 plus days.. When I did, I noticed that none of my charges had been applied to my account which left me in the negative. I called the Pay Anywhere number to inquire. I was on hold for over thirty minutes. When they finally answered I was told they were gone for the day that someone had emailed me saying my account was on hold that they needed the last three months of my previous credit card transactions to get my money and to call them the next day. First, I never received this email. Secondly, no one ever told me this before I charged this two transactions thru Pay Anywhere. If they had, I would have never made these charges through them due to the fact that I do not revceive statements from Intuit thru Quicbooks. Now they are unlawfully holding our money which is over $1600.00. I Called back today to speak to someone and left a message but no one called me back. I waited a couple of hours and called them back. Asked to speak to the person who left message and was told they are at lunch then asked for manager and was told it didn’t matter I would still have to provide them with the last three months transactions and was eventullly hung up on.

    One hour later and no one has called me.

    I have been charged by my bank $33.00 & $165.00 overdraft fees due to them holding my money and they still have my money!!!

    Marc Gardner, please call me. You have my information. Hughes Fuel Recovery. If you don’t have the time like all of your employees thats ok.

    I will be sending all of my emails and information in general to my lawyer and I am calling the BBB today!

  • PLEASE ADVISE— I’m starting a food truck and was just about to sign up with Payanywhere b/c on some sites the reviews are great. After seeing all the first hand negative complaints I’m scared to use them.
    If PayAnywhere is shandy which company should I use?? Square, PayPal, Intuit?? Which is best?
    Please help! Any suggestions….

    • Phillip CPO

      Hi Suzanne, You can find our top mobile credit card processing recommendations on this page.

  • Craig Kowarsky

    Our painting company thought it would be nice to accept credit cards to give our customers a quick and easy way to pay for our services. However on our first transaction the card reader did not properly swipe the card and asked for me to key in the number. I did not realizing that this would cost me an extra $18.30 besides all the other costs. After waiting several days and not seeing the payment in my bank account I called the customer service (which I was on the phone for nearly 1 hour), and they told me they are not going to pay me unless I submit a new application and 3 months of bank account statements for me company. They told me it is impossible to get this money from them with out going through hoops that could literally take weeks or months for approval. This is a horrible company and I will never do business with them again. I am sure that my attorney will get the $1830. that I was ripped off of, but it will most likely cost me most of it in order to receive any of it.

  • Suzy Cameleon

    Bad Business
    After my first big festival making over $5000 in a weekend, the company withheld my funds for almost a week and put my account under review. Apparently if you are successful as a vendor your business account becomes suspect.
    A week later, I was at another event selling my wares and the credit cards were all being declined. It wasn’t until the next day when I called them, that I was told that my account was closed because Upper Management considered me a risk.
    I explained to the company that I had been importing and selling leather bags hand made in Morocco for years. I have a merchant account with a major bank that ‘s been opened for years. I never had any chargebacks or any complaints from my customers, but because I spend most of my time in Morocco they decided to close my account without alerting me.
    So that’s all I have to say about PayAnywhere.

  • Pay Anywhere is awesume. My Customer Service Rep has gone so far and above his job duties for me to insure that each time I use the system I receive the best rate and service. Even when my cell phone went down he worked to insure that my new cell phone (Razr M) would work with the slider and download for my next event. Being ale to speak to your rep in the USA, instead of someone that can’t help you as they do not soeak english and must follow their que cards, is the best. It makes it easy and sastifactory for me. I am just a small home business that does not do alot of credit card sales however when I do I know that I have years of experience standing behind my process company (not like some that just arrived on the market) and the low interest rate per swipe really lets me put more money in my pockek!!! Thumbs up. I wish I had found Pay Anywhere a year ago.

    • Phillip CPO

      Hi Jill,

      Please reply to this comment with your business name and location to authenticate your testimonial. Thanks!

      • I have a home business selling sterling silver jewelry on behalf of friends, family. I do local bazaars and live in Silver City, New Mexico.

  • This company is the worst company I ever had the opportunity to deal with. Not only do they never answer emails or their customer service online chats, but they also like to hold your money with no warning or reason. You are better off using square or Paypal here. (only slightly less horrible)

    I don’t think I need to ad another horrible review here but really really really they are a complete joke. I feel bad I actually bought their swiper from Amazon. Its not worth a dime.

    Avoid this company at all cost or you are setting yourself up for 1000 and more headaches.

  • I have only used this product/service 2 times now and I have noticed that the card reader doesn’t work and the ‘service fees’ seem to be inaccurate. For a $200.00 transaction, they charged me $6.22. That’s a joke. I wont be needing their product any longer.

  • I had then hold $1800 of mine without reason. After submitting my contract, merchandise invoices, etc. they still wanted to hold my money for 120 days. I got the BBB involved and they released the funds the very next day. I got my money and closed my account.

    • I have left a couple reviews, and contacting the BBB is the only way to get any satisfaction with this company. It took me about 10-14 days just to get my customers cards refunded. I was to the point with I just wanted to get my customers cards refunded. What a nightmare this company is, if I had found this website in the beginning I would have never had a business experience with them. The best advice i can give anyone is stop tryin to deal with them and just contact the BBB. They reversed the funds to my customers the very next day.

    • Craig Kowarsky

      Same happened to me.. Maybe we need a class action lawsuit. I am going to talk to my lawyer in the morning.
      This company needs to be penalized.

  • adam wells

    i will not recomend this processor to any one they will hold your deposits and make you jump thru hoops to get your money i have been in buisness for several years and thought using there service would be easier than the service i was using i will be switching processing companys there customer service is a joke

  • Do not use Warning!!! I’m a single mother that signed up for their services. Not only did they make mistake after mistake with entering my bank account info, but all of a sudden after 1 week they freeze my account for non-specific reasons and tell me that I signed something that says that they can hold it for 120 days. They are holding $1600 from me and II never signed anything not does their terms of service state nothing regarding buying and reselling items online. Funny, that describes 99% of all online retail. Now, I don’t have money to pay rent or feed my child. I’ve never heard of this and they are responsible for this. Well done How many others have you done this to? in fact, if you google “ scam” or “ class action” you’ll find a link containing dozens and dozens of complaints about them stealing money from their clients like me. It’s insane that you can setup a corporation and advertise services, then let customers charge their clients and then you freeze their accounts and keep their money? How is this legal? How is this possible? Why are we arresting thieves on the streets when this is occurring daily online with Payanywhere? So, if I start stealing peoples wallets under a corporate banner, then I should be good to go. I can just tell the cops that that person signed an agreement which I won’t be able to produce, but since they agreed and I’ve frozen their money for 120 days, all is well. Amazing huh? I am now looking at contacting as many people as possible which Payanywhere has stolen from to initiate a class action law suit. Lets get our money back and put these tools behind bars! Please email me at lilithnake at gmail dot com.

    • Natalie A I have posted 2 times on here. And the only way I got any help was from the BBB. Please do yourself a big favor and contact the BBB, I emailed them 1 afternoon and 2 days later payanywhere refunded my customers card. I would advise everyone who has there accounts on hold to forget trying to get your money, and contact your customers cards refunded. And explain to them what happened and see if they will mail you a check. That would probably be your best way to get your money. At least it worked for me.

      • I wish I would have read all this they are holding 2000 on me just file a complaint with bb. How long did it take you to get your $ after you file a complaint?

  • Jessica Smith

    My experience was with payanywhere was not pleasant in anyway. Here is a list of reasons why I would not recommend the company payanywhere:
    1- my card reader did not work when received
    2- I was told by c/s rep to just manually enter cards because the card reader didn’t work (I will detail this later on down the list) I was assured that I could process payments and as soon as my bank info was verified that my deposits would be transfered into my account
    3- was given a 2-3 window for my bank information to be verified, so that my deposits would be made although it has been 23 days since my account was verified but still no deposits have been made
    4- I called 9 times in the last 20 days and was told each time that my bank info was still being verified and it would be 2-3 days
    5- account info verified but still cannot deposit money because I adhered to the c/s reps directions and manually entered transactions which flagged me with risk management
    6- I had to fax all invoices for customers purchases to risk so they would release my funds, I faxed and they never received them
    7- I ended up calling for two days to get someone’s email address so that I could email the invoices so that I would have proof that I had sent them

    After all of this I received a email and voicemail saying they are going to release funds but not one apology or I’m sorry for any inconvienece. I guess we shall see if they actually release funds tonight at midnight when my deposits post to my account.

    By the way the other day I realized I was going to need another solution for accepting credit cards so I applied for a square account. Thirty minutes after creating the account I received an email to put my bank account info into my account. One hour later I received an email that my banking info had been verified. At that time I ran a credit transaction I had been waiting to put through. To my surprise I immediately received an email telling me my funds have been deposited. So go figure turns out it can happen within 2-3 business days…with a better company!!

  • Larry McCloskey

    Avoid this company like the plague! I can’t figure out if they’re a total scam or just totally incompetent. I opened an account for a local charity so that we could accept credit card donations. The charges went through just fine, but 5 weeks later still no deposit. I’ve talked to customer service at least a dozen times. Every time it’s one story or another. Either the funds were deposited weeks ago and if you send statements verifying you didn’t receive them we’ll resend the deposts; or we held the funds (for an unknown reason) and we’ll be releasing the hold immediately and watch for the deposit in the next day or so. But so far, over $7000 is still missing. Now I just found out that there have been two monthly service charge withdrawals from the bank account! So much for “no hidden fees”! Next stop, attorney general. And/Or perhaps the local news. I’m sure they’d like to hear the story about how PayAnywhere is ripping off a food bank!

    • Larry McCloskey

      My issue has been resolved and all of our deposits came through after working with a member of the “merchant awareness” department who was finally able to get our funds released. My impressions of PayAnywhere are: the front line support is hopeless to resolve anything out of the ordinary. They will be as nice as can be and will promise you that everything is going to be straightened out but it probably won’t be. They will almost certainly give you different stories every time you talk to them. They don’t seem to have access to real information about your account and why you’re not getting your money, or deep knowledge about company policies and procedures, and they’ll tell you what you want to hear — probably what they even believe. I recommend you escalate sooner rather than later if you’re having any trouble getting your money. It’s also true that it’s very hard to find out what types of charges you’re allowed to make, and what limits you might have. Try to find that out up front (but again, because of the front line’s lack of information you might find that difficult, and I have yet to see a Merchant Agreement or contract). And don’t make any mistakes during sign up. Trying to fix them might really set back getting your money. That was another problem I had. During online sign up, the system wouldn’t take our bank account number, but said to proceed and that can be fixed later. I later entered it online, sent it by email, and gave it to several reps on several occasions before it finally got into their system. Weeks later I was still getting emails that I needed to send my account number, even though reps assured me it was in the system. Their systems and departments don’t appear to talk to each other well!

      I’ve run through several small transaction from time to time since, and they seem to be handled well and get deposited quickly and effortlessly now. We will be sticking with PayAnywhere as long as nothing else goes wrong. All I can say for you is good luck!

      P.S. The unexplained withdrawals don’t appear at this time to have been from PayAnywhere, and there have been no unexpected fees or charges from PayAnywhere.

  • ” BEWARE of Payanywhere, Do not use them. ” I am posting to follow up on my April 2 post. After reading several reviews one customer had posted that they had called the BBB and the state attorney general’s office, and there personal attorney. I am glad I did what he/she recommended. I emailed the BBB on the 2nd and I was shocked that they responded immediately. On the 4th a representative from Pay called me and was actually nice and showed much concern for the troubles there company had caused me. Which was nothing more than a charade. About 2 minutes into the call they told me that they had been contacted by the BBB. At this point they were trying to be helpful, which by this point I was fed up with there awful, service. The representative kept apologizing for the trouble I had encountered. She also wanted to send me some sort of form for me to sign. Turned out it was a release form that removed all liability from there company. I told her to go ahead and send it, but at this point I would not sign it. I told her I was going to bill for the hours my secretary had worked trying to get my customers there money back. That pretty much concluded the phone call. If you have had trouble with them, the best advice I can give you into contact the BBB. I feel had I not done so that my account would still be on hold. Also I am seeking further legal litigation, and I am looking for more than 12 hrs my secretary worked on this situation. I also made several calls and was really stressed over this whole situation. [Redacted: contact information]

  • Steve Olson

    Do not use this company. I am chapter secretary for Whitetails Unlimited. We thought using credit cards at our annual banquet would be better for our members. The chargeing part was smooth but haven’t seen the money yet. Yes, it has only been 11 days not the 2-3 they tell you in their web site. I have called several times. The first few times I was directed to a woman, who was away from her desk. Left detail messages no return call. On Friday, I talked to her and she removed the restrictions on the account after I told her who I was and about my organization. She said the money would be deposited Sat or Monday since Sunday was Easter. It is Wednesday and no money. Talked to a senior account rep and he said that the money would be there tomorrow morning. I asked for his direct number and he said that I didn’t need it as the money would be there. I got his number anyway so we will see about tomorrow’s deposit. They are crediting my account with $10 for all my trouble which I will see in 2-3 business days. I will not do business with the company again and once I get the money I will delete the app.

  • Payanywhere has horrible service. When you call for help, you will be left on hold for a very long time. I made a transaction of close to $7,000 and they held the funds on it without notifying me at all. When I discovered that the funds were not there they took a ridiculous amount of time to refund the money to my customers card. I called several times for help and each person gave me the runaround. I do not recommend this company at all.

  • Churchill Irrigation

    I applied ofr a reader for my android phone and was told online that when I received it in the mail I was ready to process payments! I processed a $3600 payment from a client of mine that is also an attorney here in Dallas! After the payment was approved I received an email from the company saying that I had a 1000.00 limit but that I could continue to process charges if I sent them my last 3 months bank statments! I faxed those to them the same evening! The next day I began thinking that my work is seasonal in irrigation and while I do almost a million dollars a year in business they wouldn’t see that with my bank statments! The next day I called a Patrick Lord with them and he said everything was fine but I would have a limit for a while! After he passed me to 3 other people with payanywhere I was told they would be holding my funds for 90 days plus! I couldn’t do this so they told me to cancel that transaction and I did that…I think! Iwent back to my client and apologized and told him I needed a check which he gladly gave to me! He also is an attorney here in Dallas and he was very interested in my story! I fail to see what anything I do has to do with this transaction since the card is approved and paid by another company! I feel this is a rip off and my attorney client agrees! I am filing a lawsuit against them for decptive practices here in Texas! If you have similar stories and it appears many do…I would be glad to hear from you! This is a rip off and there is no reason to be holding anyone’s funds! [Redacted – Contact information not allowed]

    • I had a similar situation happen to me. I was told the exact thing , so I made 2 transactions for the total amount of 2675.50. After 3 days and still no deposit in my bank account I called and I was on a $300 daily limit. After clearly being told there was no limit. So then. They wanted my bank statements for 3 months. I have told them to refund my customers money and I have gone to My personal banking info is none of there business. Since then 7 business days have passed and my customers have still not been refunded. Today I tried calling 4 times and finally gave up. I stayed on call 23,mins,29mins,41 mins, and last 49 mins and never spoke to anyone. However if I called and entered the number 1 in there automated call system like I wanted to set up a new account someone answered almost instantly. This company is by far the worst company I have ever done business with.. Please save yourself a major headache and do not do business with them.

  • I really wish I would have found this website and read these reviews before using PayAnywhere. I was so excited to be able to finally except credit cards because I knew it would boost my sales (and it did). I sell handmade items at craft shows. Most of my transactions are less than $30 each. Come my first craft show using the credit card reader, almost all of the customers used a credit card. The day was a great success. I thought I would have my money from credit card sales by the end of the week (show was on a Saturday, I thought I would have money no later then following Friday). Have not gotten any deposits and have not been able to get in touch with customer service. Have received no emails or calls from them. Very disappointing that I sold a lot of items but have no money to show for it.

    • hi Tiffany, I’m in the process of selecting a card reader for my business and I saw your post. I have a question. Like in your case, most of my charges will be in the $30 range. But about the incident that you mentioned (craft show), how much money did Pay Anywhere withhold? Any info will be greatly appreciated. Thanks!

  • DP Renovations

    A poorly managed and even more poorly executed financial service company. I subscribed to Payanywhere on Monday, March 25. After several phone calls over two days to follow up on “server” and processing problems, my account was approved the following day, March 26. I made my first transaction swipe, called the customer service line and was told the transaction processed with no problems. I also called my customer’s credit card company, American Express, who confirmed the processed transaction. It is now Sunday, March 31 and the payment still hasn’t posted to my account. All I have to show for it is a stack of phone calls and emails to and from four different Payanywhere department representatives wanting MY bank statements, invoice copies, customer information, and even my company’s billing and depositing practices, etc. And by the way- by now my customer’s credit card company has already posted the payment on her statement.
    6 days of nothing but trouble- and they are charging me almost 3% of a $5,400 sale for this!

    • Mommyknowsbest

      I have a situation very similar to this. But they are holding my money for 120 days…waiting for fraudulent reports, and then will discuss my deposit holds in after 120 days. I don’t have the option to refund the money!!!!

  • WARNING!!!!! do not use this company, they are a perfect example of corporate america p*#sing on the little guy, they let you make transactions, take their money off the top then make money off your hard earn money while you wait in limbo, these people are holding $3,500.00 dollars of mine. After waiting a week for the money to post to my acount they emailed me & asked for 3 of my most recent bank statements which I sent right away, then 2 more days went by when they asked me (through email) for the original invoice which I sent right away, 2 more days went by, then they said they had to verify the transaction with my customer, which they did do, then 3 more days went by when I finally was able to talk to a live person, I was informed that there are no supervisors & that he did not know why my funds have not been released yet & to expect a call by monday. Needless to say that call never came & here it is Friday, this is the final straw, monday I will be calling the FOX2 problem solvers & the Attorney General. I would put in a complaint with the BBB but as you can see from above that would be a waist of more of my time because they have gave these clowns a A- grade which is a joke, the BBB are probably getting their palms greased by these crooks. Good luck to everyone else who has been damaged by this company & I will keep you updated.

  • Lyndon Johnson

    I run a martial arts school. I used pay anywhere to bill for a 1 year martial arts contract. I got an email that they were holding the funds and needed bank statements and a copy of the invoice signed by the customer to release the funds. I faxed it to them. Then they told me that they do no allow charges for future services. However they could give me 1/2 of the money now then the other 1/2 in 6 months. (So they would hold the funds make money off of them for 6 months!) I told them no and to refund the full amount back to the customer and that I would return to using my regular processing company for those agreements and use payanywhere for the product sales. I waited a week and they did not refund to the customer. So I used my account to refund it myself to the customer. Two weeks later they closed my payanywhere account. Now I need to research what additional fees they have taken from me. Be very careful using payanywhere. They do not tell you everything up front.

  • I was very happy when I first got my reader.My first transaction didnt go through after a few days which I was unaware of until I had to call waited hours to get specific details about why the transaction didn’t go through.So I changed my bank account info.They said a few days and everything will be processed.Didn’t happen waited for two weeks.Nothing was done spoken to few representatives after being transferred time after time they all gave me different reasons.Then I kept on getting emails after emails said my account was closed.My so called rep handling my case never got back to me.After leaving multiple messages after two weeks I got a response saying that my account was closed.They told me they closed it because of fraud.And that was it .No other explanation.That they decided to close it without telling me anything.

  • Got my Acct setup was going great till they put a hold on my acct, then they finally released my funds so they say because firearm sales are prohibited? real smart on their end, i had no idea firearms sales were prohibited, i guess neither did they because when i setup my acct i named it ____ Gunshop, you would think that would raise a flag? as long as my funds get released into my acct everything will be fine but im washing my hands with PAY ANYWHERE

  • Prestige Power Washing

    I have had the worst experience ever with this company. My first card swipe was Feb 5th 2013. It is now 3/06/2013 and I’m still waiting on it. I have called numerous times and it actually takes 20-40 minutes to get through to anyone. I’m on hold now for 37 min as I type this. When I do finally get through, they promise it will be put in by the next day. THEY SUCK. I’m still on hold

  • I just got off the phone with a Pay Anywhere associate, they have had my funds for over 25 days, and even they don’t know why they are holding my funds. The first phone call 2 weeks ago, they said it was cos i was over their $20 limit. Well that is the first time I heard of any limit. My starting Pick-Up Charge is $30, so I know that would have been a deal breaker for me. But now at 27th day, and half hour waits for some person to answer the help line, they don’t know again, why they are holding my funds. Exasperating, frustrating, Don’t let the transaction rate lure you to their service. Because they do not have a good system, yet.

  • I have used this merchant processing for almost 1.5 years and because I trusted all they told me on the phone I was charge 3.2% more that what they put on their advertise. IT IS NOT 2.69% PER SWIPE WITH NO OTHER FEES. Not true the reality is: 2.69% PER SWIPE PLUS 3.2% OF THE TOTAL AMOUNT YOU USE THEM FOR.
    They way they hide this charge is Payanywhere (1-800-560-2960) goes to Global Pay Global ( 1-800-367-2638) who goes to North American Bank (1-800-226-2273) and then all comes back to your bank charge of 2.69% each transaction plus 3.2% once a month.
    I added their phone numbers so you can hear a lot of music and very rude customer service.

    Worst part is trying to close your aacount. Total nightmare. So far 2 days and still can’t talk to a human.


  • I have used this merchant processing for almost 2 years now and, for the most part, have been satisfied. To log into my account I have one password but then to log into my Payanywhere account to get my statements I have another password which is a hassle. I just recently learned that I have been charged an extra $20.00 per month fee which I knew nothing about. The price for processing is extremely high; changing depending on type of card swiped. Customer service? Well it depends on who answers the call. Some are knowledgeable and professional while others are rude and condescending.

  • I was wit them for about 6 months and I am relieved that I told them to take their crappy little minds and backward ways and take a hike. They attempt to pigeon hole you within a certain very small window of business opportunities. They will stifle your business and keep you small. CASE IN POINT: I am a massage therapist. they would only process transactions that fit into their very small box. I ran a special for two massages for $90 and a client bought 5 of those specials for friends and relatives. They would not clear the transaction because they said it was too high of a transaction for my type of business. Evidently they know my business better than I do. In this business, they want me to chase business away. THEY ARE WORTHLESS. DO NOT WASTE YOUR TIME WITH THEM. GO TO INTUIT. I DID.

  • Don’t use pay anywhere. I signed up based on a referral. I signed up and gave them my banking info. This was November ’12. Did my first transaction MLK day. Today is feb 11 2013. Still havenot received my funds. They keep asking for my banking info which I keep giving them. I call and ask for a supervisor but they don’t have any!
    My advice is DON’T use them.

  • My experience is somewhat south of “meh”… nothing horrible but definitely not impressed. I’ve only run some modest sized (3-digit) transactions mostly as a test. The funds deposited quickly without a noticeable hold.

    However, here’s a major specific caveat: in order to accept American Express, PayAnywhere will at your request submit your information to American Express to create a separate merchant account. For those of you with other merchant accounts, that’s an important detail since you may not wish to have the confusion of multiple AMEX merchant accounts. I had expected that PayAnywhere would proxy American Express for me. Also, the AMEX merchant account terms & conditions notes they have the choice between charging 2.89% on each transaction (higher than PayAnywhere’s number) or a $7.95 monthly fee if your annual charge volume doesn’t reach $5,000. I’d rather pay 2.89% than the $7.95 monthly fee, called AMEX directly, and they were willing to switch me to that program. But YMMV.

  • Extreme nightmare of a company. I was lied to from the get go. When I set up my account, I specifically assked the “sales rep” when money would be “funded”, as my square funds the very next day, no “hold”. She assured me that it would be by next business day. When I brought up some of the issues that others on here have talked about, Her reply was that “when people don’t set up their account correctly (high enough transaction limits) that is where the “hold” come in until business can be verified”. Well just did my first day of sales yesterday, and guess what NO MONEY IN MY ACCOUNT TODAY, AS PROMISED!! When i called I was told by 2 different reps that I had been “misquoted” by the rep who set up my acc. When I asked about what there records showed for sales, the rep informed me that one of the transactions had been run through three times, but only “settled” once, and that i would have to have my customer contact their bank to adress it. When I informed her that there was no way the card was “swiped” three times, because I actually had to manually enter it in, and had witnesses, she got defensive. She then also got upet when I told her that the “error” had to be on their end, and that I would have my customer contact them. She said that they would not speak to the customer, the customer had to call their own bank to settle it. Needless to say I will be filing complaints with every agency. I will also tell you, from experience, the Better Business Bureau is a joke. After trying to get a report filed against AT&T, and being told that the BBB will not process reposts against them, I went straight to the FCC to get results. The BBB is FUNDED by the businesses they “grade”. The more money a company has the better the “grade”.

  • Pay Anywhere is a nightmare. I’ve had them for 9 days and am changing plans before we have another cc transaction. I will absolutely be filing complaints with BBB, state attorney general’s office and consumer affairs, as well as anyone else that will listen. We never received our card reader and after 5 days the transactions we put in manually haven’t been credited to our account yet. I have been on the phone with them going on an hour now. Mostly just waiting for an operator. Finally got one, claiming they have no record of the bank info I put in last week. She took it again and says I have to wait 2 to 3 more days for the money to show up in our account. Then she went to check on our card reader and said it could take another 10 days. It’s been 9 and their website says it’ll arrive in “a few days”.

    Once she finally got on the line she was pretty nice and helpful. I guess I’ll give them 3 more days to get the money in our account before I start contacting the agencies listed above. On the 4th day though, I’ll be in tuch with everyone. I am still looking into another card reader service however.

  • Wow this company is a joke! If you need customer support it had better be Mon thru Fri or else your screwed. I have been waiting a week now for my money to be deposited and the only response I get every time is 2 to 4 days. The website clearly states within two days! I updates my banking info and was told I would have my funds within 48 hours….no, another lie. Just more run around. I will change to square, others that I work with use them with no problem.

  • Vee Govender

    My first transaction for $3500 was a nightmare. They withheld the deposit, requested documention to validate the transaction and after a week of no response to my multiple calls to every department, they rejected the transfer and returned the money back to my client who could not understand why they would do that. Especially since we were all legitimate. Needless to say I lost my client because of their delay which prevented us from being able to honor our obligation to our client in a timely and efficient manner.

  • Pam Raphael

    I chose to use Pay Anywhere because unlike square, this company has customer service. Although the customer service agents are polite, they are not always educated in their product. I have been bounced back and forth from tech support to customer service more times that I can count Each time I have to sit on hold and repeat my personal info to each new representative I get. Their app on my phone has inappropriately charged the wrong tax. I tried to set the app to not add tax at all and the app won’t adjust correctly. I now have paid extra fees to adjust payments to customers and am extremely frustrated with Pay Anywhere.

  • Edward Hayes


    Their ad says 2.69%. I searched everywhere on their site. It says no fees, only 2.69%.

    I tested my new account by swiping a 1 penny charge on one of my own cards. My card was charged the penny ok. But three days later my business account showed a CHARGE of 18 cents.

    I called and got nowhere with the terminal hold system and sent an email. Several days later got a call saying that actually there is a charge of 19 cents per transaction and that “certain cards” such as rewards cards the percentage charge is actually 3.49% and that there is no way for the merchant to tell the difference.

    BYE BYE Pay Anywhere!

    • I had the same problem. I had my husband who is a transactional attorney look at all the documents I have from Payanywhere, and we can’t find anything stating a higher processing fee for rewards cards. I called and got the same run around bounced back from one customer service person to another with no resolution. In my area, I would say that 95% of credit cards are rewards or points cards. I will stop accepting cards or offer a large discount for cash customers.

  • Alan Carter

    TOTAL LOSS $3954.00

    ALL Companies beware… EVERYTHING that you read about this company is TRUE.. I signed up with them and within 36 hours i had my approval.. so we completed the account and then processed $1977.00 in transactions. so the night prior to when i should have received the funds i get a letter form risk saying that they were holding my funds and the needed documentation and to give them a call. so i faxed all the information that they requested and i tried to call and NEVER got to talk to a actual person that Emailed me about holding my funds. then on the 6th day i get an email saying that they are shutting the account down and holding the funds. THEY STOLE MY MONEY. so im out $1977.00 in cash and $1977.00 in product. TOTAL LOSS $3954.00

    How do these guys still rate an A+ from the BBB is my question? Something is fishy here and I did just check the BBB. I am reporting the same story. Signed up and told them then that I would be making large transactions, they said no problem. First transaction was for about $3,700.00. A couple of days go by and no money in my account although my customer has two pool pumps installed and working. I call and go through the whole dog and pony show and get passed around again and again. Finally they say they need the three bank statement BS. Now they didn’t need those statements BEFORE THEY GOT MY MONEY. Got PO’d after three days and told them I was going to the attorney general of California and of Michigan. Well I got a call from a “Supervisor” the next day to confirm that my money was in my account…and it was. I’m filing another complaint with the BBB because they are not doing their job. BTW remember the BBB exists because of the businesses that pay them money so they aren’t a real honest source of referral.

  • My first 2 charges are not in my bank
    2 weeks after I charged two customers and I still don’t have my money.
    I have been calling every day and getting the run-around.
    One manager I spoke with said I should stop calling as he had other work to do.
    They just tranfer or hang up on me.
    This is the worst customer service ever.

    • Save yourself the unnecessary stress & file complaints with the Better Business Bureau, State Attorney General & Federal Trade Commission. I filed with all three & my money was deposited 2 days later. I immediately cancelled the account.

      See my post on December 14…

    • YOU WONT BELIEVE THIS ONE…. I had the same situation many others have had – a large charge (9k), processed, held then denied – but here is the kicker: even though THEY denied the charge and THEY told me to refund the customer, THEY have now SENT ME TO COLLECTIONS for not paying the $248.52 credit card fee!!!!!! They actually tried to take the money out of my business checking account because according to two reps, they still had to “process it!” -And the “Collections Analyst” has not returned my call – that’s right even though they denied the charge, told me to refund the customer, almost cost me a 9K sale, forced me to beg the client for a check now they have the nerve to send me to collections because they have not been able to STEAL the fee from me. I had to close out my business checking account and open a new one! How friggin’ illegal is THAT???? Can anyone say “CLASS ACTION?”

  • Here is my 2 months hustle story… The very first charge that I made through them was a complete disaster! I’ve charged my customer credit card, & I was on the phone every other day for two months, since that charge , trying to get the $ in my account. After a month of endless lies from customer service, I was told that there is not enough funds in the charged credit card. I had to call my customer and ask for a check instead. He send me a check in a couple of days. Than I’ve tried to just cancel the credit card transaction. Guess what, Pay anywhere took the amount from my personal account and refunded the customer. I was furious when I found out that my customer credit card was charged with no problems and than refunded not from the pay anywhere where the amount remained the whole time, while they were lying to me every time I’ve called… Finally they decided to transfer the amount to my account and charged me $36 transfer fees… Outrageous!!! I’ll do everything I can to warn as many people possible!
    Don’t even consider to deal with them, believe me you’ll regret big time!!!!

    • Biser – I am so glad to hear you have a similiar problem with them. I processed a charge at the begining of November, and as of today – January 2, 2013 I have not received my money. The funds were removed from the clients card but not deposited. Pay Anywhere made a clerical error on my account number and could not deposit the money in my account. I fought with them everyday for two weeks, which included several trips to the bank – taking time away from me trying to keep my business going. After two weeks of constant lies (have proof via their automated emails), I finally closed my account with them just to be able to get my money via check to have to order the clients product. After a trip to the bank – again – I finally got the information faxed to them that required the closure of my account. Only then, after repeated requests, did a supervisor call me back to ask if there was anything that they could do to help keep my business.
      Now, it’s January, I still have no check. On December 11th, I was advised that I would receive my funds in two -three weeks. I called back on the 19th, to get a status update and was advised that it would now be 6 – 8 weeks. I asked fo a supervisor, and after the famous “brief 2 -3 minute hold” I was told that a supervisor would call me back within 2 hours. My automated email stated 2-3 days. Needless to say, neither happened. So as I write this, I am on the phone with them trying to find out the status of my money. If receive no results from this call today, I will be contacting the BBB and let them resolve my issue for me.
      I have been asked by several people what card swipe company I would recommend – All I tell them is to avoid Pay Anywhere – at all costs. Per swipe they are cheaper, but it shows in their customer sevice.
      I now us Bank of America – per swipe it is 1/2% cheaper than PA and the customer service is outstanding!!

  • Im a hairstylist who is self employed & need to accept credit cards. Wish I’d seen the bad reviews before I entrusted this company with my business. Endless calls to polite CS reps who are powerless. Great looking FREE APP.. Sent me a free scanning device. All looked good..until I try to get paid. A month later & endless calls later I’m in tears.. Where is my money? They have $500 approx I’m not going to be able to accept credit cards till I find a new dependable merchant processor company.. & continue to fight to get my existing money. They will not send me a check.. I’m livid & sad at the same time.. I wanted this to work out so so badly.. Beware & heed my advice. Let this company figure out the glitches in their systems before entrusting them. The online portal doesn’t work & I’m not getting paid.

    • Hi,

      for the hairstylist, were any of your transactions using over $150 dollars? I am trying to figure out if all the complaints can be avoided if when i charge my customers under the 150 mark and if that will speed delivery into my bank fund…

      thank you for reply in helping in this matter -Matthew

  • I really dislike how slow the new version is. I run a business and to get to each window it takes forever. The new version really doesn’t work for salons very well. I use an iPad for payanywhere. The new signature is a pain. Sometimes people don’t want to tip and if you forget to cancel that out you have to go back and credit them. To many steps. I do love the fact you can itemize things. But I wish there was less windows per transaction. The other thing is that I can be in the middle of a transaction and the program will kick me out and start all over again, making it so the customer can’t sign, tip ect.

  • Run from this Company……..frauds, thieves and liars. So many Complaints already filed with the Texas Attorney Generals Office. Anyone that posts positive reports on this Company are either employees or employees family members. Won’t release my money after 14 days, first they didn’t have by bank info first 10 days, haha and now after 1 transaction they have to audit. I am having my Customer reverse charges and looking foolish for switching from Square.

  • Wow a lot of bad reviews here.
    I did have an issue with my first sale. It took a little over a week to get it straightened out, but I did get it straightened out. I have since run some more sales through the account all is well so far. I have reached the $1,000.00 mark. We shall see if they hold my funds from the last three sales.

    If they do I will post a follow up here


    Btw I am looking into other service providers as a precaution.

  • PLEASE DO NOT USE! I made the worst error of my business by using this service. I have not received any of my funds and it has been 7 days. The customer service is the worst. So what is the point of advertising customer service when they are all ignorant and rude. If you need your money in a rush then this is not your company. As well it takes forever to get your readers I had to go to OfficeMax to get it because it was so bad. There is a reason why so many are with other companies. Also the portal they advertised is cramp too. Pay Anywhere sucks…trust me.

  • Travis M. Chance

    Avoid this company at all costs. I accepted a significant payment from my client on November 23, 2012 & a few days later I called to find out why the funds hadn’t been deposited into my operating account. I was advised by an agent that the account number was incorrect. As instructed, I obtained an account verification letter from Bank of America & submitted it. It’s now been almost a month & I have yet to receive those funds! I’ve made at least 10 phone calls & each time, I’ve been given the “we understand your concern” or “its being expedited”. I was told on Monday that the funds would be released in 1-2 business days; we’re now on day four & nothing. Unfortunately for me, I’ve purchased & delivered the goods to my client & to date, am still without the funds I’ve earned. I truly think this company has zero regards for small businesses.

    Living & operating in the Washington DC area, I have personal contacts at the Federal Trade Commission & with their direction, will be filing a formal complaint against PayAnywhere. This company is a complete nightmare to do business with. Lesson learned: don’t do business with third party sources. I’ve since signed up with Bank of America Merchant Services & am receiving funds next-day. Not to mention their rate is slightly better….

    unless you are absolutely sure you want to engage their service. My complaint is minor comparatively. I STARTED an application. Part way into it I realized that it wasn’t worth it. (I use Square and PayPal). I bailed from the website, thinking that was the end of it. Emails and phone calls daily began. Attempts to opt out failed because their opt out links were conveniently broken. It took ten days to finally get them to stop. (Asking them to honor my “Do Not Call” request was a waste of time.) My heart goes out to the merchants that have monies lost or tied up. I hope this helps.

  • I had a somewhat unpleasant experience with Pay Anywhere, but I will not rule them out in the future for mobile processing. I currently use Square, but applied for Pay Anywhere on 12/01/12. I had to provide Square with an entire file folder worth of personal and banking documentation in order to process and capture funds over $2000 a week when keyed vs. swiped. Not a big deal, it is customary with credit card processing to provide that information for larger amounts. After all, I am dealing with non-customer initiated credit card charges. I key 90+% of my credit card transactions, sometimes in the mid five digits. I thought Pay Anywhere would afford me a break on the fees that I have been charged by Square and my bank, but upon review I do not think that is the case (which Pay Anywhere did not dispute).

    All of that stated, my unpleasant experience was with Customer Service. Not their professionalism, but their efficiency and inability to communicate between each other. Their customer service agents were friendly, not so helpful until I got a Sr. Agent, but friendly. I was getting multiple emails stating that I needed to update my banking information. Then I would get an email telling me that my application was almost complete. I already had a merchant ID, user name, and had created my online profile. When I called, I was told to disregard those emails, everything was fine and in processing. I told their customer service on 12/05/12 why I chose to try their service, that I wanted to see the savings on my larger ticket sales. I was never told that there was a high ticket amount. It was not until today, ten days after applying and being approved, that I was told about the high ticket amount. When I pressed further on why this amount had not been disclosed to me, they said that it was because of the information I provided on the application. Maybe I misread the application, but they never asked what the high credit amount is that I process. They asked for an average, to which I provided them the average monthly retail sales I have in office, not in the field. It has taken a lot of time and phone calls to come to the conclusion that much like Square and Intuit (have used both) this company has a long way to go in getting their mobile business in line with their merchant services. They are a reputable company that has been in business for 20 years, but their mobile processing has only been around for about a year or two.

    As I stated in the opening of this message, I will not rule them out in the future. They just need to re-align their technology systems to match their expressed interest in providing excellent customer service. Once they accomplish this, I am sure they will be great and I will think about using them again.

  • WOW I should have read the reviews on this website. PayAnyWhere has really been a hassle.
    First the information I submitted was not correctly used and THEY gave me an incorrect address. The hoops to fix that are ridiculous.
    Processing took almost two weeks before the account was approved.
    I suppose I will follow the norm for identifying their NONcustomer service used on this review site.
    Had submitted 3 different inquiries, talked on the phone 4 times and still not gotten a response to those 3 inquiries.
    Inventory part of the application stinks. Cannot create an inventory on a laptop and upload. Far too tedious a process to create an inventory from the cell phone, a Motorola Droid Bionic.
    I have ordered a Samsung Galaxy Note II cell phone and will be ordering a Samsung Galaxy tablet, not sure which tablet yet. Surprise the payanywhere app does not work on these devices.
    Today I could reach tech support but not NONcustomer service, so sent an email.. Cancel my account,,, fortunately I have not charged anything on the account. They have a lot to fix before I will entrust them with a nickle. I can continue to use square sigh… at least they have made deposits on time as promised.

  • Just and update – as of today I still have not received a DIME from these robbers. THEY won’t return calls, and I got the Michigan BBB involved with the same NO CALL BACK policy. They are holding 2/3 of one months income for this one-man-business for no reason.

  • BELIEVE Everything you are reading below. Their advertisements are miss leading. We are going on 5 weeks to get the account setup & application to work. Their systems deleted transactions. It is crazy trying to talk to them they keep telling us to call back later to check.

  • John Nebelsiek

    WOW! I thought I was the only one being scammed by these amature “customer NONservice” people. They took $2000 immediately off a customers CC after I had to key it in because he was in Chicago with a flu (I am in WI). They said it was TOO LARGE a transaction to key in “based on “my application… REALLY I applied by PHONE and no application mentioned “limits” – “Oh”

    They are still “holding” the money in place because they aren’t “sure it will clear” – I bet after 2 weeks they DID get paid since the charge was applied to the holder’s card within 6 hours.

    Customer NonService did it as a “courtesy” noting it could be a “fraudulent transaction”. They asked for card holder information which I provided (along with the business OWNER’s phone) but they never called them… come to think of it they never CALLED ME. They also asked for 3 MONTHS of my bank statements without a reason. I told them only the IRS and WI Dept of Revenue need my bank statements – “call MY credit union” if they are concerned about my business legitimacy – I’ve been in business for 16 years.

    A shame they have the WORST customer NONService in ANY industry. I’ll pay a slightly higher fee and use a different “reader” in the future. I wonder if I’ll ever get paid – Like Lindsey – Mike – Steward my money is highjacked and I have no means to pay a bill.

    • FINALLY after a month+ a “supervisor” contacted me – of course it was instigated by a BBB complaint. The money was sent to me after the supervisor contacted the card holder by phone, something the “risk management” specialist said she could not do “I CAN’T CALLYOUR CUSTOMERS!”
      AND I was informed that their INTERNAL policy is once you’ve processed $1000 they freeze further transactions until you send them 3 MONTHS of bank statements – can you spell RISKY BEHAVIOR?

      I also filed a complaint through the Michigan Attorny Generals’ office. As I explained to the supervisor at Payanywhere, THEY ROBBED ME. “We didn’t rob you” to which I asked “If I walked into your office and took $2000 out of your purse and walked away, did I rob you? It doesn’t make any difference how LONG I hold your money, until you get it back you have been ROBBED.”

      I agree with Travis – NEVER use these people and advise all your friends in business to avoid them too.

  • Horrible horrible service tried for a week to get customer service only get a recording saying leave a message and you will be called back. NO CALL BACK OVER A WEEK and counting!

  • I’ve been using pay anywhere for awhile now, I have to say I prefer it over square. After reading the comments here I checked my statements and the only fee I’m being charged is the 2.69% except for manually input cards, then it’s 3.49% + .19. Just as their website stated, and yes I had to fax over some documents, site survey such as a utility bill or mortgage bill. Unlike square you get a merchant account with pay anywhere so more documentation is needed for their underwriting. My funds are in my bank 1 – 2 business days after the sale. Of course my average sale is $40 so that may be why I’m not having the same problems and 98% of that is swiped. The fact that from the app I can track my inventory, how many sales, the total for the day and it also breaks it down to the indiviual cards is great. Plus I have the option to have a copy of the signed receipts sent to my email so I do have a digit trail of those sales incase of a chargeback. Not to mention how much better the card reader is. I almost never have to swipe a card twice, once with square I had to go through 3 readers before the card would swipe. The app may not be as elegant as square but it’s more useful and feature rich. I’ll take that over looks any day.

  • I am a very unhappy customer who will also go the BBB.
    This company employes unprofessional employees on their customer service side who are so unprofessional, they take any correction personally. I customer purchased from my small business on August 30th and I have still no been paid by this company and today is September 12th. In this time, I have spoken to Pay Anywhere customer service 6 times and even a manager who assured me that I would be paid and still nothing. I have just spoken to one of their customer service staff now who states that I need to call back in an hour and speak to someone at extension 1400. Really, just go to your local bank who will probably charge less and offer serious customer service from professionals and also have some standard to live up to. This is absolutely the worst company, save yourself the stress of dealing with such a disjointed company – their tech staff actually empathized with my fraustration of their so called useless customer service – please feel free to contact me for copies of their emails and timeline. They are DISGUSTINGLY AMATURE

    • They’ve apparently just hijacked my money too, making me look like a fool in front of the client, & forcing ME to pay the clients production costs out of my pocket…and I guess work 2 weeks for free. I don’t know what to do. Did you ever get your money back? This is so unreal… how are they getting away with this???

  • Pay Anywhere has failed to deliver on its promises. After initial signup, I was promised a processing page within the next 24-48 hours. Six days later, I was unable to process transactions and lost hundreds of dollars in sales at a sporting event. My page was finally setup after two weeks. I processed a $1500+ transactions. Three days later I was notified via email that I could not process transactions that large. I was requested to provide 3 months worth of bank statements and a utility bill.

    I called pay anywhere to verify this email. The email did in fact come from Pay Anywhere and i was advised that if I didn’t provide the documentation they would not complete the deposit of my funds. It is one week later and I still do not have my $1500+

    Do not use Pay Anywhere!

  • Troy Peterson Electric

    When I was looking for a card processing company, I visited Pay Anywhere website to check it out. The next day, I had 2 emails from a representative and she was calling me. I spoke with the representative at length and signed up. She stated that she would be like my “account representative” and any questions, problems, etc. to just call her for help. Had a question during the signup process and emailed her, never a response. Got signed up and dialed in and finally used the system in early August. I noticed that they seemed to take more than the stated 2.69% for the swiped transaction. Processed another payment from the same customer and the same result, a larger than 2.69% fee. I figured out that they had charged me the higher fee for “keyed” transaction even though I “swiped”.
    I called and left a message with my “account representative” and, again, did not receive a response by phone or email. I managed to get connected with customer support fairly quickly and was told that they automatically charge the higher fee ( 3.51% + 19 cents) on “corporate rewards cards” and the like. The agent said that “on page 17 of your merchant agreement, section…….paragraph…….it spells this information out”. She further stated that they do this because “as you know, these are higher risk cards”. Huh? I said I am not in the credit card business and I would have no idea as to one type of card versus anothers’ risk.
    There is STILL no response from my “account representative”.
    I will be looking for another provider.

  • Philip Williams

    I am new to pay anywhere and have processed three credit card payments. On the third payment I became aware that it has been over a week and is not in my bank account. They called me one time and left no message. Then they emailed me and wrote I need to submit an invoice for the customer, there name and address. Then they also wrote I need to submit three of my past. Bank statements. What business is it of there’s what is in my bank statement. I have called several times on Aug 17 and 20 no return call from. Nobody. I tried to call customer during the day around 1130 am I was on hold for 20 minutes. So I called again at 8pm nobody could help me I asked for a supervisor I was informed none was available. Customer service is Horrible! Then I asked if they could have a supervisor call me tomorrow I was informed they couldn’t be certain anyone will call. I will look for another service once this issue is resolved. Very unhappy customer.

  • I’ve used PayAnywhere for almost two years. Any issues I have had have been with my phone service (AT&T) and never with PayAnywhere. My money has been deposited promptly. I can always reach someone by phone when I’ve had a question. There are no monthly fees as I specifically chose a company that didn’t charge them. In reading many of these complaints, it seems they are either talking about another company or have signed up for things they didn’t realize they were getting, etc. One of my sales went through twice–not because of anything PayAnywhere did but because AT&T dropped the call. PayAnywhere promptly straightened it out. And everyone I’ve spoken with actually speaks English!

    • I believe you are likely to be some representative of this company, “Pay Anywhere.” You speak too highly of them not to be. Without even considering reviewing them, I decided to sign up via their website after seeing a commercial. I’ve attempted to sign up on their website which I was fortunately unable to do due to technical issues, as I’m sure they have their fair share of after reading these reviews. So after an unsuccessful attempt at the web signup, I called the number provided. A recording said that “due to popular demand there was no representative who could answer my call.” LOL! And further stated “they would get back to me within a FULL business day.” LOL! Not a chance!! So, knowing what little I know about them, its pretty apparent that these complaints are likely 100% accurate. I’m so glad I found this review blog. Thanks to all of you “honest” people for telling it like it is. It’s a shame that you can’t trust anyone in business anymore. I’m sorry you have endured so many issues through their lies and deceit. Truth be known this company is probably one of those foreign jobs like they mostly are these days, and THAT’S the reason they get away with robbing you. You’ve mostly all save me some pain and misery I’m quite sure, less the REPRESENTATIVES who’ve clearly blogged on here to lie about how great they are.

      • I am NOT an employee nor a representative nor do I have any connnection with PayAnywhere other than being a satisfied customer. Please don’t make assumptions as we all know what they say about people that do!

  • Dr. Harold Smith

    Picked this company because they had phone customer support, but from the beginning we never received our money! They had created a typo and because of that we had to jump and spend time and money of ourselves and our bank. We were told we could immediately make transactions and we did “3”, just to check it out. Well it has been 19 days, fax after fax after fax, and even with a letter from our bank, they can’t correct a typo, amazing!!!!!!! ***It is one thing to claim you have Customer Support, but I guess the most important question is are they competent and do they really, really have the power to help??? So I assume they just keep our money, I call that stealing, but I am old fashioned, I guess…………………


    There seems to be a trend here. They took their fee out just as PAYPAL does and then at the end of the month, there was another fee. The comment was that some of the cards you took are new to us so we held off retaining the fee for those cards. NO idea why that would matter, they were ALL MasterCard and Visa. They attempted to take out additional fees from an account that was empty due to my funds being moved around. They don’t market this practice yet have no issue charging an additional fee. Their answer was in your signed agreement it states blah blah blah… No signed agreement ever made and none of this is explained anywhere. So a 25.00 fee was assessed and the original extra fee’s are still due. RACKET….. be careful… they CAN AND WILL withdrawal funds from your account without prior notice. It happened to me twice !! STAY AWAY FROM THIS SCAM !!!!

  • I have signed up for pay anywhere a few months ago but have never had the call to use it so far. When looking at my bank statement the other day i noticed there was a $2.00 charge from Global (pay anywhere). When I called I was told that VISA itself was charging them and they were passing it on to its’ client. Bad enough that Global didn’t even notify me about this charge but they just went right into my checking account and took it out. This was last week and even after i called still no letter of apologe or anything. So i will be closing my accoount with this company.
    Please let me know if you know of any other highly rated comapny(ies) that offers a free card reader and no monthly fees.

    • Eileen have you looked into Square? They don’t have a customer support team in place yet but starbucks just bought part of the company and will be using them in all their stores so I am sure things will be getting better on the support side real soon. They also make it possible for other people using square to find you.

  • YOU BETTER READ THIS if you’re thinking about using this slipshod ripoff company. I jumped through all their hoops and finally used the service for a $3,700.00 plus transaction which is what I originally told them I would be doing…using their service for large transactions. Well they’ve been holding my money for over four days and FINALLY decided they are going to AUDIT my account and now what bank statements, credit history, first born child and they ain’t giving me my money until they screw around for another week or so and when their underwriting decides WHEATHER OR NOT they are going to give my MY MONEY. Stay away from these people (in Texas or Bumscrew Egypt) or you’ll be sorrow. I warned you. I’m cancelling their service as soon as they refund to my customer all her money INCLUDING THEIR FEES. I’ve also contacted the attorneys general of California and Texas. You’re gonna read about this outfit in the news soon I bet.

  • I called in with questions and Linda was great and very helpful. She got me set up in minutes and made it quick and easy.

  • I have been using Pay Anywhere for only 2 months now, but I receive prompt payment within 2 business days every time. And they must have dropped the $.19 transaction charge, because I only get charged 2.69%.

    While I found it very difficult to reach customer service, I have not had *any* problems with my swiper, and I LOVE that Pay Anywhere will send an invoice as a receipt.

    My customers love the invoice too, since they can see (with pictures) exactly what they purchased. This service is MUCH better than a simple receipt and adds a lot of credibility to mobile credit card terminals.

    I’m very happy with my service, and I recommend it to everyone I meet (who needs mobile credit card processing)

  • I’m so unbelievably frustrated I don’t know what to do. Not only was my account flagged because they didn’t understand my business model, but they audited my account because of the amount of KEYED transactions versus SWIPED. OMG! Why does this even matter!?! This has resulted in a a hold of nearly $3000 in funds needed to pay employees with. As soon as this entire thing is resolved, I’m throwing this stupid little thing in the GARBAGE. I will never use ANY card reader again. I’m afraid to see what FEES I’ve incurred.

    • ” but they audited my account because of the amount of KEYED transactions versus SWIPED. OMG! Why does this even matter!?! ”

      It is because it is very easy to get cc numbers and manually put them in, any merchant processor whether it is retail store front or on an iphone or droid wants the card physically in your hand and swipe it for fraud protection…..hence why they send you a free swiper.

      These iphone and droid card acceptance apps are not met to replace standard merchant processing for small business’s that need a physical terminal. ( a true merchant account is based on credit and business finances, so these free services such as paypal and squareup and payanywhere, you can not expect flawless actions) There is no reason why you could not have your customers card in your hand to pay for your services. If you are operating a business in which you do not see your client every service or they “pre pay” then you need to go to a standard merchant company and get a hard terminal and or gateway.

      $3000.00 being charged with no card present would make any merchant and bank suspicious…let alone you are trying to do this with a smart phone app?

      BTW read the small print, what you are complaining about is in the terms of service, you were just to lazy to read it.

      If you are doing that much $$ in transactions get a real terminal or go to Intuit that will accept you and give you a smart phone app and swiper based on your credit score and proof of business income.

      • Allow me to express my distain for your arrogant reply. There is no reason why you could not have your customers card in your hand… ” If I need to get paid and my customer is in CHICAGO with FLU and my business is in WISCONSIN I may need to key in a credit card number. Lets suppose for an instant that a CUSTOMER CC magnetic strip is flawed … does that customer no longer get to shop, have services done. etc?

        THIS cc processor is part of a BANK CARD company; they are here to make a profit. They CLAIM to provide customer service but refuse to return calls.

        If a person applies for their service BY PHONE they never SEE a service agreement – fine print of otherwise. That’s no “lazy”. The least you could have done was bring solutions to the table instead of assaults.

        I am in a similar situation with Payanywhere. I am going to ask my CUSTOMER to dispute the charge so he doesn’t have to pay interest on money neither he nor I have access to.

        • Hi John,

          I would not ask your customer to dispute the charge, it will only make matters worse for you. If anything, issue a refund. Also, this thread is now closed to further replies in order to reduce clutter in the comment section. If you would like to discuss Pay Anywhere in more detail, please see our new Pay Anywhere Discussion Forum.

  • One follow up to my last post. My account was closed over a month after being opened (right after I made a few large dollar ticket sales) and they are now holding my funds. I was told my services were not on their approved list, yet, I very clearly listed my services on the application.

    My account was not closed until ‘after’ I made sales and then my income was not deposited into my account as promised. That has been my experience. I was quite happy with the company, until I actually started using the service.

    • Greg Robinson

      Rebecca the same exact thing happened to me & it really hurt us as a small business because they were holding around $2000 of our customers money which we need to pay our vendors. What a mess. Try Intuit, I like them so far! 24/7 customer service & funds are in your accunt within 2-3 days. I believe the rates are lowere too and there aer no m onthly fees.

    • Dr. Harold Smith

      Same with me, and they don’t make errors only the stupid merchants do , “us”. I have sent them, fax, after fax, after fax; and each time they give me a new reason why they can’t give me my money!!!!!!! Fortunately for me we made three very small transactions as a test, THEY FAILED!!! Customer Support, alleged Supervisors, no one has the power or authority to do anything………………………I want to close my account, ok, they need another fax; Nope it ends now………………………………….

  • I signed up with PayAnywhere, after being in business over 6 years, so I was not dependent upon credit cards, fortunately. I did not use the account for over a month. The first week I used my account, ringing up several large sales (several hundred dollars). Then on a monday I received an email that my account was closed b/c my services were not on the approved services list (I do counseling, so not sure why that service would not be approved?)

    Assuming there was some mistake, as my account had been opened for over a month, I called to find out what happened, but the customer service rep was very aggressive and refused to transfer me to the department that handles closing the account.

    Now, over a week later, they still have my money. I was told the money would be deposited into my account today. That did not happen.

    They sent an email stating they may hold my money as long as they feel necessary to avoid refunds (even though the services have already been fulfilled)

    So in the middle of a business day, without any warning or notice, my account was closed, they are holding my funds, and I have no idea when I will receive the money from my sales.

    I would definitely not recommend this company.

  • Shari Lyon

    I just want anyone looking into Pay Anywhere to know there are fees charged besides the 2.69 advertised per swipe. Customer service won’t tell you that, but your statement and actual deposits will. When I tried to cancel my account, they asked, “wouldn’t you rather pay a little more in exchange for the superior service?” My answer, “no, i’m going back to square, I don’t do business with dishonest companies.”

    • Shari, what fees are you specifically referring to? I have PayAnywhere and there are no fees other than the 2.69 per swipe. If I take a phone order it is 3.49 + 19 cents but that is listed on the site. All of these companies charge a little more when the card is not present. Your post seems a little fishy like you are really trying to promote Square instead.

  • James Joyce

    I started using PayAnywhere’s app for my company in December. It’s inexpensive, I’ve received all of my funds on time with no problem and I love their customer service. I’d definitely recommend it.

  • I use pay anywhere at art shows and have never had any of these issues. No monthly fees and my money has always been deposited on time.

  • Payanywhere Nightmare SCAM

    After running 950 dollars in my first batch, i was informed that my “business model” wasn’t supported also . I Its been over a week now and when i call they are rude on the phone never call me back. Its a complete waste of time, I have switched to gopayments and they are amazing so far better costumer support release your money on time and they give a debit card , they charge a lower rate anyway.

    They are Misleading consumers !!!! you will not get your money they hold it and takes 7- 10 days for money to be refunded to client while they make interested on it then they charge your account even if they didnt release the money to you they say its for capture and refund fees 76 $ they are NIGHTMARE BEWARE . they cost my business time and money . i wish i read this blog before signing up with ..

    PayAnywhere is a terrible service DONT USE THEM if you dont pay your fee even do they didnt release your money they will add you to Blacklist beware before signing up

  • Harry McCook

    Had a really bad experience with pay anywhere. Their salespeople did not mention anything to me when signing up that i would not be allowed to accept anything over $1000.00.. It was only l after I swiped a customers card for close to $4,000 and it was accepted that I came home to an email stating that they would not release the monies to my account.

    It would have been a pretty big sticking point had that been pointed out to me when I signed up. I thought this pretty unprofessional to not point this out beforehand, not in an impersonal email after the fact.

  • Pay anywhere appears to be a scam. I have been signed up for an endless run around for 4 weeks. You are not told that after the first charge they will decide on your account status. Now, no one answers the phone or returns calls or emails. I have my doubts I will ever see my money.

    • I did get my account set up and my money after a month wait from the first transaction. The sales man at the trade show was less than honest about their policies and the requirement to set up the account. I am going to see how further transactions go but i will proceed with small transactions.

  • Zobiesartwork

    PA called me today. They are not a company with integrity. They could not put me through to the president Mark to allow me to find out who these people are that are calling from call centers with an address. They refused to tell me where they are calling from. Smoke and Mirrors is what they should call themselves.

  • I have had no problems with payments I do locksmithing auto lockouts home lockouuts etc payments take 4 to 5 business days to go through but all my transactions have gone through and up to date with no problems I don’t are you sure your using pay anywhere Services maybe I am just lucky then

    • Greg Robinson

      Yes I am sure we were using pay anywhere. I am happy you are haveing food luck with them becuse I wouldn’ wish what happened to us on my worst enemy. My date was a typo but it shoud read 2012. Yeah we never received our funds from our transaction(s) and when I called them to see what is going on, they said my account had been closed the previous week. So it put our company in a position where our customers had paid, pay anywhre had the money & we did not. Pay Anywhere did refund our customers but it took 7-10 buesinss days!!!! Our company was hesitant to manufacturer orders without seeing any money and our customers were nervous becuse of this too. Too make a long story short, Pay Anywhere put our company in a very uncomfortable positon and had no problems doing so. I don’t believe the customer is in their best interest. Only making money :( I now use intuit which is awesome!!!!!!! you receive your funds within 2-3 days, software is amazing, cutomer service is 24/7 and they only charge 1.7% a swipe. Kicks ass on Pay Anywhere. Intuit also offers payroll service & quick books which are all integrated to your Intuit merchant accoung/mobile card accepter. Intuit is also bacaked by AT&T so this is not start up company!! Cheers!

  • Have had pay anywhere for 3 months now and have had no issues so far have had no hidden charges as some have stated am happy with them so far

  • Greg Robinson

    PayAnywhere is a terrible service! They cost our company time & money :( Signed up on March 28, 1012 and 2 days later without any notice our account was closed. The only way we found out was by calling customer service ( number not on app or website… lol what a joke!) because it had been 6 days sense our last Credit Card transaction and there was still no deposits to our business bank account. When I asked them where the money was? my Senior Sales Rep.

    Malika Easley
    Risk Management
    North American Bancard
    250 Stephenson Hwy.
    Troy, MI 48083
    1-800-226-2273 ext. 1413

    replied. We have reversed the funds and it will take up to 10 busienss days for your customer to see the funds. 10 business days? That is over 2 weeks! WTF…. lol Then when I asked her why our accuont was closed and why Malika replied “you will receiev a letter in the mail, I am too busy with too many other merchant accounts to review this with you right now”. Wow!! Really? I guess I am happy I found out now oposed to later when larger ammounts of sales were circulating through PayAnywhere’s merchant stystem. Be very aware of this so called merchant provider!

  • Jon Jambor

    I wish I had read this blog before I signed up with them! My experience has been a total fiasco. I down sized my business (was doing over $400k) through National Processing Company, but I closed the doors and started the business on a hobby basis. I thought a card processor would be handy. I tried running my first charge ($1700). I never got a confirmation that the charge was accepted so I waited a couple of days before checking my account on PayAnywhere’s merchant portal. The charge seemingly didn’t go through, so I ran the card again. This time, the transaction completed to the point where it asked for a customer signature (the first time, the app died and I didnt get to this point).
    Later that day I got a message from their risk department telling me that the funds were frozen until they “reviewed” my last three bank statements. Since I had just opened a new bank account in a new city, there was very little history I could provide, so I tried to void the transaction. Instead, I issued a refund. I called to see if they could cancel the refund and simply void the transaction. They said they couldn’t since it had batched out already. Therefore, I was on the hook for the $1600 refund. OK. No problem. I moved some money in case they pulled the funds. I forwarded the information the risk department wanted and they said that they had approved my account for big charges and would release the funds. I got a call from my customer asking why he had been charged twice and refunded once. I hadn’t a clue why there was a second charge. I called and they told me that there had been THREE captures!!! What??? No way. They assured me that the first charge and refund had been settled inside “the system”, and the funds had been transfered to my account, but it took 7 to 10 days for the money to get through the system (NPC did it in 2 days). Here it is,t two weeks later,and I still have not received any funds from them. Then, today, out of the blue, I get a notice of a $116 “settlement charge” on my account. “Settlement”? For what? I haven’t received a dime yet! $116 on a $1600 charge is around 7%! Nowhere near the 4% (approx) they quoted.
    Their customer service is OK, although you have to sit through 2 minutes of advertisements before they try to connect you to a live person. If you can’t get one, they take your name and number and say they will call back. That was 10 hours ago… still no call back.
    People, stay AWAY from this processor!

    • Jon Jambor

      Well… I finally got my money. It only took 3 weeks. Better late than never, I guess. They told me that the $116 settlement fee was from the captures and refund.

      After 10 years of sterling service from Novus and NPC, I must admit I’m a bit gun shy now. Maybe now that I’ve had a successful transaction, things will go more smoothly. Just a word to the wise.

  • We currently use Square but needed some additional functionality Square does not offer. I saw this review and decided to call up PayAnywhere.

    Before you agree to anything, make sure you read the terms of their contract and see that they do charge a “Monthly Basic Service Fee is $9.95(includes our 24×7 technical support, our customer service, & your monthly detailed statement access)” and if you want to use their online system that’s another $10/month. They also charge $19.95 shipping and handling for each card reader they ship to you.

    Since those are not mentioned anywhere on their website I could find, I would consider those hidden fees and monthly charges. That would mean that their advertising is deceptive.

    • Jon –
      where did you find the “terms of contract” that u recommended we read?? I was considering using this after the good review this site gives it but all the user reviews are terrible and contradict what Phillip had found ( no offense Phillip – I so appreciate your reviews!!)

      • Phillip CPO

        No offense taken. Pay Anywhere claims in its marketing that there are no monthly fees, but a few merchants have recently reported incurring them anyway. I will be investigating and updating the review soon. If Pay Anywhere is being deceptive, it will reflect in the next update.

        • Phillip This company is dishonest and I have the emails and bill to prove it. They charged me mid and non qualified rates which ultimately ended up being over 3.5% of my sales! I’m furious! I asked 3 reps. if there was tiered pricing! I’m disputing the extra charges with my credit union after they refused to refund! Back to square!

    • Phillip CPO

      Hi Jon,

      I called Pay Anywhere and asked specifically about these charges you are seeing. They said that if you want to use the gateway, then there may be a $10 fee charged by However, they adamantly stated that there are no monthly fees and that they do not charge anything to ship the card reader. She said the free shipping was a “promotion” so there is a chance that when the promotion is over they may start charging for shipping. I care about the accuracy of my reviews and if you have actually experienced any of these fees, I would love to see a your statement.

  • Karen McHugh

    The fees this company charges is insane. We were quoted $24.95/month. That lasted 3 months then they went up double. I was told that it was fees that the processing company charged. I called the processing company who provided me with their fees.

    In September I spoke to a representative of Merchants Anywhere who begged me to stay saying that the rates were going to drop significantly in January. In January 2012 I got a bill for $132.40 due to a new annual $99.95 administration fee.

    There are so many other options. Their undisclosed fees combined with the administration fee which was disclosed in fine print in the October 2011 statement makes them a poor value.

    I would not use them for anything.

    • Phillip CPO

      Hi Karen,

      Thanks for the review but I see that you mentioned “Merchant Anywhere” as the company. My review is of “Pay Anywhere,” which is a different company. Which company are you intending to review?

  • john oconnor

    WASTE OF TIME!!!!!

    After running 1500 dollars in my first batch, i was informed that my “business model” wasn’t supported. I am a Business coach and have a successful business never having any issues with client charges on my chase account. Its been over a week now and I can never seem to get this Malika woman on the phone or get her to call me back. Its a complete waste of time, Im going back to Chase Paymentech, they charge a lower rate anyway.

    They are Misleading consumers !!!!
    No where on there site do they say that they don’t support the coaching community


    Good Luck

  • complete catastrophe, I open a account 3 weeks ago, at the same time I was updating my website (from a template). 1 week ago they close my account without me knowning (no email no phone call). i called the next day, they ask me to call x1413 Melisa. She said that my acc was close because my website stated that I’m doing business in europe. I explained that was a template, still doing some change on the website. she ask me to update my website and they’ll reopen my account, which i did the same day and called and left 2 voicemails no respond until today i got her on the phone, she said your account remain close …no explication and she hand up the phone…. very bad customer service. do not recommend this company, and the fee is to high.

  • I applied for the service 3 days ago, the representive advised that once I submit my application, I should receive the “welcome” email which will have my merchant ID, user & password to activate the app I downloaded on my phone within 24 hours.

    well, after 2 days looking for my welcome email which I did not receive, I emailed my agent and asked whats going on….I have not received a response as of the end of the 3rd day. I called the customer service number and explained my situation. I was then transfered to someone whose voicemail advised that he will be out of the office from 8/18 through the 29th and directed to contact another extension.

    I do not know whats going on but,… at least they could of replied to my email.

    So, I can not rate the system and how it works due to the fact that I have not had any further communication from this company since I submitted my application.

    I will look for a different processor.

  • Not Pay Anywhere

    COMPLETE NIGHTMARE… THEY WILL Debit money out of your account without your knowledge. They charge per transaction fee AND MONTHLY fees… You have been warned. DO NOT USE PAY ANYWHERE.

    • Phillip CPO

      Could you please expand on this claim? What other fees besides the transaction fee did they charge you? What were the monthly fees called? It’s very important because your complaint is contrary to what Pay Anywhere advertises. The more detail you can give about this, the more it will help other merchants. It may also affect how the company rates when the review is updated. Thanks!

      • Not Pay Anywhere

        Without giving too much detail, in hopes of not giving my specifics, I made a sale for X amount of $’s. They took X amount out for their “fee”. The next month, I was charged another fee. When I called, they told me that it was their monthly fee. I was like I didn’t even make a sale that month. Pay Anywhere was like, “well we have to make money some how. Using our service is not free”. They auto drafted money out of my bank account. I disputed the charge, & the bank refunded my money because I did NOT give approval for them to auto-draft my account. I believe the bank has blocked them from further taking money out of my account. As the saying go, “BUYER BEWARE”!

        • I got the free card reader and got a $3 sale from a yard sale i had. when i called the number to ask if i got more sales how would i get to my money? He said they dont do free readers and than told me i dont have account and to talk to someone else. They go through Globel payments so i called them and they said they cant help me. But yet i got a free card reader for free and loss of 5$ now. 3$ of a sale i made plus 2$ from their not so free fees. “I wont use them again”

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