Paya Reviews & Complaints

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How did they treat you? ▼

Pros & Cons
Pros: Cons:
Good developer tools provided. Variable processing rates.
Extensive third-party integrations. Primarily tiered pricing.
Fast onboarding process. Pricing lacks transparency.
Customizable payment system. Long-term contract required.
Strong eCommerce support. Early termination fee applicable.
ACH/eCheck processing available. Limited retail business support.


In this review of Paya, a key player in the U.S. payment processing industry, we'll look at their specialized solutions across various sectors. We'll explore Paya's journey from Sage Payment Solutions to its current status under Nuvei's ownership. Key topics include an overview of Paya's payment processing capabilities, integrated payment solutions, digital onboarding processes, and technological platform.

We'll also discuss Paya's financial performance, customer support, and legal challenges, including recent lawsuits. By examining customer feedback, industry ratings, and marketing tactics, we'll provide insights into Paya's reputation and business practices. Our review aims to offer a balanced view of Paya's strengths and weaknesses, as well as its fees, rates, and contract terms, helping readers understand Paya's role and performance in the fintech world.

About Paya

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 Products and Services

Payment Processing

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

Integrated Payment Solutions

Paya offers integrated payment solutions compatible with various SaaS platforms, providing secure and reliable options for businesses.

Digital Boarding Process

Paya's digital boarding process allows for quick onboarding of new customers, enhancing their ability to expand their customer base efficiently.

Multitiered Support

The company offers multi-tiered support, ensuring that client relationships are managed by a team of experts, with an emphasis on professionalism and responsiveness.

Technology Platform

Paya uses an agile technology platform designed to adapt to market changes, offering business solutions that integrate seamlessly with existing technology.

Financial Metrics

Paya processes $40 billion annually and serves 100,000 customers. They work with over 2,000 distribution partners and have more than 300 software integrations.

Paya payment processing
Paya offers a variety of standard payment processing services

Paya Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints 40+
Live Customer Support Yes
Most Common Complaint Poor Support
Recent Lawsuits Yes

Relatively Low Complaint Volume for Paya

For a company of Paya’s stature and duration in the industry, the volume of negative feedback found online is relatively minimal. With around 40 documented Paya complaints across various platforms, issues predominantly revolve around undisclosed fees, challenges with customer support, steep cancellation costs (ranging between $100 and $700), and auto-renewing contracts. Recent critiques particularly highlight difficulties in accessing supportive customer service, leading us to conclude that Paya may not yet meet the criteria for a premier merchant account provider in terms of customer service. We encourage sharing your personal experiences with Paya in the comments.

Legal Encounters Involving Paya

Paya has faced several lawsuits, including a notable 2020 case (Jasmine Young v. Paya Holdings Inc.), which accused Paya Holdings Inc. of unauthorized telemarketing practices, leading to a $4.2 million settlement and an overhaul of its telemarketing strategies.

Furthermore, a class action suit filed by KSF in October 2020 accused Paya Holdings Inc. of securities law violations, culminating in a $3.5 million settlement in March 2021 without admission of fault.

Most recently, in 2023, Nuvei Corp was sued for allegedly failing to compensate Paya Holdings Inc.’s shareholders post-acquisition, as per the agreed $9.75 per share, sparking a lawsuit for unmet merger agreement terms and Delaware law violations. The case seeks damages from Nuvei for non-compliance.

Customer Support Offerings by Paya

Despite the critiques, Paya’s relative scarcity of complaints for a company its size has earned it an above-average rating in this domain. This performance indicates a competent handling of customer issues when compared to industry norms.

Reaching Out to Paya for Support

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

Additional Assistance Channels

  • Online support form
  • Live chat for immediate help

While Paya’s support mechanisms are robust, including live chat and dedicated phone lines, feedback suggests there’s room for improvement in customer satisfaction and response efficiency. Your insights on interactions with Paya can provide valuable perspectives for potential users.

Paya Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Rating 3
ComplaintsBoard Rating 1
Average Rating 2

BBB Rating Analysis for Paya

Paya is not BBB accredited but holds an A+ rating. It has an average customer review rating of 3/5 stars based on 4 customer reviews. There are 8 customer complaints closed in the last 3 years, with 2 closed in the last 12 months. Common themes in the reviews and complaints include issues with billing and collection as well as dissatisfaction with the response to customer inquiries.

Negative Feedback

Paya is our credit card processing company, and they have been charging us erroneous fees since July 2022. We originally requested our rates be reviewed in May 2022 as we were looking into a new credit card processing company. They quoted us new, lower rates, and said these would be effective in July 2022. We have actually noticed our rates have increased drastically, with no explanation from Paya. We have reached out numerous times to have our rates reviewed and all extra charges refunded, and nothing has been done. We issued a 7-day demand letter requesting extra fees be refunded to our account as well as how these were calculated, and there was no response. We are left with no option but to escalate this as far up as we need to so we can recoup funds from these erroneous credit card transaction fees.
– Complaint from January 18, 2023

Positive Feedback

I’ve been using Paya for 5 years and have processed millions of dollars of payments with them. The internet is the Wild Wild West and most people don’t leave reviews unless they are unhappy. The team I’ve worked with at Paya has been 5-star people.
– Review from February 21, 2023

Source: BBB

ComplaintsBoard Rating Analysis for Paya

Paya has a significant number of customer complaints on ComplaintsBoard. Common issues include poor customer service, delayed payments, technical glitches, hidden fees, and unauthorized transactions. Many customers express dissatisfaction and frustration due to these problems. It’s important to note that only 0% of the 10 complaints listed have been resolved, indicating a lack of effective complaint resolution by Paya.

Negative Feedback

I been tryna cancel my merchant account for weeks now. I called like 8 times and left voicemails but nothin’. I talked to 3 different peeps in the cancelation department and all 3 times they put me on hold and then the phone just sends me to another voicemail. I called twice and waited like 10 minutes and then it says ‘we can hold your place in line and call you back’ but then it says ‘error has occurred.’ Like, what the heck? I just want my account canceled and it shouldn’t be this hard.
– Complaint from A. Hackett

So, I got this bill from a doctor I paid last year, and it said I still owed them money. But I had proof that I paid it already. So, I called them up and they said that Paya, the company that processed their credit card payments, messed up and didn’t take the money from a bunch of people’s accounts. My bank confirmed it too. The doctor said they fired Paya, but now they want their money back from me. I think Paya should take responsibility and help out somehow. Don’t companies like this have insurance for when they mess up big time?
– Complaint from A. Powlowski

Positive Feedback

There are no positive reviews published about Paya on the ComplaintsBoard website.

Source: ComplaintsBoard

Paya Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties Yes
Monthly & Annual Fees Yes
Processing Rates Variable
Equipment Leasing Yes

Variable Pricing

Pricing and fees of a Paya merchant account tend to differ based on the type of business, volume of transactions, and the agent or sub-ISO responsible for 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 determined by multiplying the remaining months in a client’s contract by $25. This can lead to substantial penalties for termination that may deter business owners from cancelling their contracts. Moreover, the company reportedly imposes an annual PCI compliance fee of approximately $100.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Paya promotes its virtual terminal and payment gateway services on its website. Details on pricing for these services are not publicly disclosed. Typical additional costs include gateway fees, technical support fees, batch fees, and extra transaction rates, which are generally part of the pricing for e-commerce services.

Worse-Than-Average Terms

Paya is assigned a “C” rating in this category due to its significant cancellation fees and automatically renewing contracts. While there have not been many public complaints or customer reviews directly addressing Paya due to the relatively recent adoption of its name, its history under the Sage brand has been significantly affected by customer complaints regarding high costs. Paya is currently not considered an affordable option for merchant services. Business owners are advised to review our selection of the best merchant accounts to find more competitive pricing and terms.

Paya Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers Yes
Telemarketing Likely
Misleading Marketing No
Discloses All Important Terms No

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.

Our Paya Review Summary

Our Final Thoughts

Paya currently holds an average rating as a credit card processing provider. Given its relatively recent rebranding from Sage Payment Solutions, it’s still too early to gauge if its practices and policies have diverged significantly from its predecessor. The available information suggests that no substantial overhaul has occurred so far.

For Paya to achieve its stated objective of becoming a leading merchant account provider in sectors like retail, education, healthcare, manufacturing, and non-profits, it needs to enhance its services. Improving transparency, reducing complaint volume, and refining contract terms are crucial steps that could help Paya elevate its standing in the industry and distinguish itself as a top contender.

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.

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Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did Paya Treat You?

8 User Reviews

  • 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


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