Paya Credit Card Processing 2023: Reviews & Complaints

Rates as Low as 1.7%, No Monthly Fees, No Contract, 24/7 Support. See Who It Is Now.

Paya Logo
Star Full Star Full Star Full Star Empty Star Empty

Agree with our rating?
Tell us about your experience with Paya in the comment section below.

PhonePhone(800) 261-0240 View Pricing

Company Overview

Formerly known as Sage Payment Solutions, Paya is a large, U.S.-based merchant account provider that was founded in 1989. According to its website, the company specializes in providing solutions for education, government, B2B, healthcare, and nonprofit processing. When it operated as a subsidiary department of Sage Group, Paya specialized in payroll and accounting services for businesses, but it also managed to carve out a solid share of the payments market in both the U.S. and UK. In August 2017, a private equity firm named GTCR acquired Sage Payment Solutions from the Sage Group. It officially rebranded the organization to Paya in January 2018. The company now claims to serve more than 100,000 merchants and has narrowed its focus to becoming a top-rated payment processor. In August 2020 Paya announced a merger with FinTech Acquisition Corp. III. In 2023, Pay was purchased by fintech giant Nuvei. It appears that Nuvei will continue to operate Paya under its own brand, but we will update this Paya review if that changes.

Paya Payment Processing

Paya processes all major debit and credit cards for most business types including B2B. Their services include POS solutions, mobile payments, check/ACH processing, access to virtual terminals, e-invoices, data reporting and analysis, and PCI compliance

Integrated Payments

Paya’s integrated payment solutions allow businesses to seamlessly integrate payment processing into their existing systems, such as accounting and POS software, ERP systems, and e-commerce platforms. This integration streamlines payment processing, eliminates manual data entry, and reduces errors.

Merchant Services

Paya’s merchant services include a range of tools and features to help businesses manage their payment processing needs more efficiently. These services include chargeback management, fraud detection and prevention, payment gateway services, and more.

Business Insights

Paya’s business insights tools provide businesses with real-time reporting and analytics on payment processing data. This information can be used to gain valuable insights into customer behavior, sales trends, and other key metrics that can help businesses make more informed decisions.

Payment Security

Paya’s payment security solutions help businesses protect themselves and their customers against fraud and data breaches. These solutions include PCI compliance tools, tokenization, encryption, and other security measures to ensure that payment data is kept safe and secure.

Location & Ownership

Paya is a registered ISO of BMO Harris N.A., Chicago Il. Paya’s headquarters was previously listed 12120 Sunset Hills Rd #500, Reston, Virginia 20190, but the company also has several other offices located throughout the United States and Canada. Currently, it lists its headquarters at 303 Perimeter Ctr N STE 600 Atlanta, GA 30346. Jeff Hack is the CEO of Paya.

Video Summary

YouTube video

Table of Contents

Paya payment processing
Paya offers a variety of standard payment processing services
these processors announce that they now sync with quickbooks

Paya Reviews and Complaints

Here's What Their Clients Say

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint
Poor Support
Recent Lawsuits

Low Complaint Total

Considering Paya’s size and time in business, the company has a relatively low amount of complaints under both of its names. We have found approximately 40 negative Paya reviews on various online forums and consumer complaint websites. Most complained of undisclosed and unexpected fees, poor customer support, high cancellation fees (ranging from $100 to $700), and the company’s auto-renewing contract. Most of the company’s recent complaints are related to unreachable or unhelpful customer support, which is a big reason why we do not consider Paya a top merchant account provider for customer service. If you have your own Paya review to make, please do so in the comments below.

Paya Lawsuits and Fines

A 2020 lawsuit (Jasmine Young v. Paya Holdings Inc.) alleged that Paya Holdings Inc. violated federal law by making unsolicited telemarketing calls using an automatic telephone dialing system, and the parties reached a settlement agreement that included a payment of $4.2 million and changes to Paya Holdings Inc.’s telemarketing practices.

In October 2020, KSF filed a class action lawsuit against Paya Holdings Inc. and certain of its officers and directors, alleging violations of federal securities laws. The lawsuit alleged that Paya Holdings Inc. had made false and misleading statements and had failed to disclose material information related to the company’s business and prospects, which had caused the company’s stock price to be artificially inflated.

In March 2021, Paya Holdings Inc. announced that it had reached a settlement agreement to resolve the lawsuit. Under the terms of the settlement, Paya Holdings Inc. agreed to pay $3.5 million to resolve the allegations, but did not admit to any wrongdoing.

Paya Customer Support Options

Paya earns an above-average rating in this section because of its low complaint count in comparison to industry averages for a company of its size.

Paya Customer Service Numbers

  • (800) 261-0240 – Toll-Free General Customer Service
  • (866) 307-1627 – Check Services
  • (888) 884-7171 – Gift and Loyalty

Other Support Options

  • Customer support form on website
  • Live chat support.

Paya BBB Rating and Report

Our Better Business Bureau Profile Assessment

BBB Summary

Total Complaints
Resolved Complaints
Unresolved Complaints
Response Rate

Over 10 Complaints

Paya was formerly accredited with the Better Business Bureau since 2006, but is no longer accredited. It currently has no rating with the BBB. The company has received 13 complaints in the past 36 months. Only 2 of these 13 complaints were resolved by the company to the satisfaction of the merchant. The remaining 11 were resolved to the dissatisfaction of the merchant or received no final response.

What Merchants Say

Paya has also received 5 informal reviews through the BBB, 3 of which were negative in tone. The most recent negative review describes being charged an unexpected fee:

Noticed a strange fee that came out of my checking account for $110 (not insignificant); after lengthy research, tracked it back to Paya. What was the fee for? After finally receiving a call back after days from an account representative, he disclosed to me that the fee was due to me not filling out a business “assessment” by some weird tertiary company – though I was NEVER made aware that this was part of the process to get enrolled. I did NOT authorize this charge – so this is in fact completely unacceptable and unethical business practice. Furthermore, the token they sent me to get my account activated did not work for several months, while I continued to pay for the service. All around a joke of a company.

Merchants should research contract terms to avoid unnecessary charges like those mentioned in this review.

A “B” Performance Overall

In light of Paya’s complaint total and resolution ratio, and taking into account the BBB profile for Paya we agree with the BBB’s rating of a “B”.

in the news apple versus banks

Paya Fees and Rates

A Closer Look at the Contract

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

Cost Summary

Cancellation Penalties
Monthly & Annual Fees
Processing Rates
Equipment Leasing

Variable Pricing

Pricing and fees of a Paya merchant account appear to vary based on a client’s business type, processing volume, and the agent or sub-ISO setting up the account. A copy of the company’s standard terms and conditions under the name Sage Payment Solutions is publicly available. Paya charges a Liquidated Damages early termination fee, which is calculated by multiplying the remaining months in a client’s contract by $25. This can result in very expensive penalties for termination that essentially force business owners to buy themselves out of contracts. Additionally, the company is reported to charge an annual PCI compliance fee of around $100.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Paya also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. However, pricing is not disclosed on either of those services. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.

Worse-Than-Average Terms

Paya scores a “C” rating in this section due to its high cancellation fees and automatically renewing contracts. Businesses have not filed many public reports against Paya due to the brief amount of time that the company’s new name has been active, but its track record under the Sage brand was consistently marred by reports of high costs. We do not consider Paya to be a cheap merchant account provider at this time. We also encourage business owners to check out our list of the providers of the best merchant accounts.

Paya Jobs and Employment

Hiring Standards and Ethical Marketing Assessment

Audit Your Current Statement To Find Its Hidden Fees

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

Key Points

Uses Independent Resellers
Misleading Marketing
Discloses All Important Terms

Many Third-Party Resellers

Paya markets its services via several different types of sales partnerships. These include independent software vendors, value-added resellers, independent resellers and agents, and sub-ISOs. Paya’s sub-ISO program allows other merchant account sales organizations to resell Paya credit card processing services. These third-party organizations can partner with Paya as either a “non-registered ISO” or as a “registered ISO.” Registered ISOs are allowed to operate under their own separate brand names while reselling Paya’s services. A non-registered ISO must sell under the Paya brand and present itself as an independent representative of Paya.

Paya Sales Agent Complaints

Several reports from Sage users indicated some problems with sales agents using deceptive sales tactics. Although there is no evidence that Paya condones these types of tactics, it’s apparent that the company did at one point enforce contracts even when business owners claimed to have been deceived. Since this does not appear to be a widespread problem with Paya, we have not lowered the company’s grade in this section. If you suspect that Paya is charging you undisclosed fees, we recommend seeking a free third-party statement audit. This does not compare favorably to our list of best credit card processors.

Paya Review Summary

Our Final Thoughts and Opinions

Paya rates as an average credit card processing provider according to our rating criteria. It’s too early to say whether the company’s practices and policies deviate in any meaningful way from Sage Payment Solutions, but there does not appear to be any significant overhaul. Paya has some improvements to make if it wants to meet its stated goal of ranking as a top merchant account provider for retail, education, healthcare, manufacturing, or non-profits.

If you found this article helpful, please share it!

Paya Competitors

Compare Quotes From These Processors

Customer & Employee Reviews

What Others Are Saying About Paya

Leave a reply

Your email address will not be published. Required fields are marked *


Comments must contain details about your experience. Please do not use ALL CAPS. Self-promotion, marketing content, or contact information of any kind will not be published. By submitting a comment, you are agreeing to our Comment Policy

8 Responses

  • Ted Leitter

    American Hammer

    Paya is a second rate business credit card processing company. They actually held a large credit card payment from a long term (20 years) customers of ours and wouldn’t release the funds even though our customer AND American Express approved the transaction! They wouldn’t release the payment in full until after we shipped the product! They made us jump through hoops and treated us like criminals as if we were acting in a fraudulent manner. This very unprofessional act costs us unnecessary time, labor and money!

  • Kathy

    I had Sage then Paya through my Hudson Limited ltd airporter transportation software subscription. Hudson spoke very highly of Sage. We had them for 14+ years with minimal interaction after sales except PCI Compliance. I terminated my merchant account through Hudson(same way it was setup – never spoke with Sage Sales Department; just submitted application provided by Hudson) in April 2021 as we were no longer processing transactions through Hudson. According to my call today, the account was never shut down. We have incurred monthly merchant fees and non-compliance fees. The names of the charges are so vague it is difficult to tell one merchant fees from another when they overlap. The agent I spoke with said that he would submit a request for a refund of all fees since April 2021 to the Sales Department. I asked if that was the same sales department that ignored the request to shut down the account through Hudson? He mumbled, “I don’t want to deal with this.” and hung up.

  • Marilyn Blandford

    While processing a customer payment for a smaller invoice, a larger down payment invoice was mistakenly included with the transaction. The transaction was flagged by Paya, they informed us they could not allow the transaction. We confirmed the transaction was unauthorized, and asked Paya to reject the payment.
    Paya informed accounting to run a credit on our end to reject the payment, never informing us of the fees to do so. Had we done nothing, then the original request would never have been completed because of it being unauthorized by Paya as it was over the approved amount both by us and Paya.
    Paya charged us the full fee as if the sale went through. Secondly, they also charged us the full fee to process the credit that they had instructed us to do. The funds were not deposited to our bank account, we also contacted our depositing bank and they confirmed the funds were never received by them to deposit to our account.
    The amount charged for the first transaction was $6,059.37 and the amount charged for the processed credit was $4,423.05.
    A customer support supervisor was contacted, requesting a refund. We received confirmation that their executive team authorized a refund to us. The refund was never received. The original customer support supervisor was removed and now follow-up emails and phone calls are going unanswered. This has been going on since June, Paya’s support ticket # is 3A6D4B. They also reference A564B6.

  • Mike Payne

    I used Braintree, Squareup, and Paya. Closed business for move. Had IRS problem pop up. Needed access to two year old statements. With braintree and Square, I was able to go back as many years as I had account. With Paya, I am sealed off. They said the “research fee” is $55 per hour and then $10 per statement. I don’t begrudge them the right to do as they like, but these sorts of things are not on someone’s mind when first time starting out in a small business venture. Mind you, I do not know if it would have been better if they were still Sage.

    This post will help: Best Merchant Accounts for Great Customer Service

  • Troy D Duran

    Paya (Sage Payment Solutions, whatever, same company) sent me a 1099(k) listing all of the money I received from customers. As you might imagine this resulted in a letter from the IRS, claiming that I under-reported my income, as I also received 1099(k) forms from my actual customers.

    In attempting to remedy this issue with Paya, I was shuffled from one “customer service” to another, over the course of two hours.

    Finally, exhausted, I called once more to the ‘Virtual Terminal‘ support desk, and simply asked for help generating a report for that tax year listing the payer and amounts paid. Simple enough.

    I just received an email informing me that they charge $55 per hour and would require 10-15 days to complete this simple archive search.

    If you choose to use Sage Accounting and/or Paya processing services, this is what you can expect.

    This post will help: Best Merchant Accounts for Great Customer Service



    I thought I was donating to the African Wildlife Foundation. I was told it did not go through and to use another CC. I did not. 2 seconds later the donation did intact go through. A Bunch of liars and cheats. I immediately contacted Am/EX. I went to their web site and they are so opaque there is no way to see if they do in fact, Represent The above foundation. We will of course be contesting them, but just by the way they act and their exclusive web site made only to garner more business for them selves speaks volumes. Stay away from them. I believe they are part of a scam posing as anybody they choose to present they are.

    This post will help: Best Payment Processors for Non-Profits


  • Becker Plumbing Supply Co.

    Been with them for several years. Very happy with them until recently they change to “Paya” . They have increased fees and added fees and charges. They never notified our company too update the horrible PCI and started charging us $75 plus a $35 fee monthly fee – (several extra hundred dollars in PCI fees). They have been charging us all sorts of unknown fees that we have no idea what they are – we are thinking of switching processors. We are now searching for another processor and may switch very soon. We don’t like being cheated !!!!!

    This post will help: Eliminate Hidden Rate Increases And Markups From Your Monthly Bill



Copyright ©, Inc. (Digital Fingerprint: 0d38c6720f0d78a701b74d58653af608). Getting paid to re-write this page? Click here to earn a reward.

Any unauthorized copying and reproduction of the content of this page, including all meta data and computer code, is strictly prohibited. While the information in the above article is believed to be accurate as of its publish date, the author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is,” and without warranties. Any and all use of trade names and/or marks are for identification purposes only and shall not be construed as a claim of affiliation, or otherwise, with, Inc. ("CPO") in any form. The sole purpose of the material presented herein is to alert, educate, and inform readers. It is not intended as legal or financial advice. We may earn revenue if you obtain services from a provider that we recommend. See this page to learn how we support our operations.

Phillip Parker
date range
FTC & Advertising Disclosure
We take great pride in providing one of the only objective an unbiased merchant account review websites on the internet. To support this enormous responsibility we earn some of our revenue through affiliate fees and advertising. These revenues in no way influence our ratings or reviews. Learn more about our monetization policies here.
closecloseShow disclosure

About The Author

Phillip Parker is the creator and author behind this website. He has over 15 years of experience in the credit card processing industry as a journalist, consultant, and former merchant account sales professional. He started this project as a blog to expose merchant services providers that engage in predatory business practices, such as deceptive marketing, misleading pricing, and high-pressure sales tactics. His goal is to help business owners find merchant account providers who serve their industry well while offering fair rates with no junk fees and no long-term commitments.

Phillip has researched over 1,000 payment processors and been quoted in numerous high-profile publications, including the Los Angeles Time, INC Magazine, The Atlantic, and the Miami Herald among others.

Need advice on card acceptance? Schedule a consultation with Phillip.

Phillip’s Top Processor Picks:
Retail, restaurant, e-commerce, mobile, professional services, and invoicing, Phillip recommends Helcim and CDG Commerce.

High-risk businesses, Phillip recommends PaymentCloud and Host Merchant Services.

How Our Ratings Work

Please note that our rating system was overhauled on April 26th, 2023. Reviews dated before this date may not score in accordance with the following.

Star Rating Criteria:

At the start of our research, all processors are awarded five stars. We deduct stars if the processor engages in any of the following:

– One star deduction if the processor has any junk fees.

– One star deduction if the processor does not post its pricing clearly on its website.

– One Star deduction if the processor is suffering from moderate client complaints.

– Multiple Star deductions if a processor is suffering from severe complaints, imposes unjust cancellation fees, markets non-cancellable equipment leases, engages in predatory rate pricing, or may be engaged in illegal activities.

Get all of the details regarding out rating criteria here.

Educational Resources

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

Phillip's Popular Reviews
stripe logo
Stripe Credit Card Processing
March 19, 2023
square credit card processing logo
Square Card Reader & POS
March 19, 2023
Intuit Merchant Services
March 17, 2023
Shopify Logo
Shopify E-Commerce
February 11, 2022

Here Are The Processors Who Don't Hide Fees

Some processors have no monthly, no annual fees, no contract, and cheap rates.

Phillip's Top Picks by Industry

Should You Work In Merchant Services?

It's a cut throat industry. Get the truth here.

Quickbooks Payments Too Expensive?

These processors offer Quickbooks integration and have low rates.

Overpaying? Find Out.

processing cost calculator

Here's Where To Report Bad Processors

Start by leaving a comment at the end of this review


Our Readers Frequently Choose