In this review of Paya (formerly known as Sage Payment Solutions), we provide a detailed overview of the company’s credit card processing services. We will discuss the range of services offered, including POS systems, mobile payments, and e-commerce solutions, and identify the types of businesses that may benefit from these services. We will also examine client and customer reviews to highlight common trends and potential concerns. Additionally, we will cover the company’s pricing structure, contract terms, and specific services included. By the end of this article, you will have a clear understanding of whether Paya meets your payment processing needs.
About PayaCardServices
Formerly known as Acceptacard, PayaCardServices is a merchant account provider that offers monthly and pay-as-you-go plans to businesses of all sizes within the UK. The company owns several industry-specific payment services, including Payatrader, Payataxi, Payaprofessional, Payacharity, Payastore, and Payamobile, and the exact corporate hierarchy linking all of these properties is unclear.
Some of the company’s sites state that Acceptacard was created as the original umbrella brand in 2009, while others suggest that the Paya Group became the umbrella brand in 2014. In any case, the company has been selling merchant services under some or all of these names since 2009. Since the creation of this profile, the majority of the company’s branding, including its URL, has been switched over to PayaCardServices, suggesting that it will no longer board merchants separately under the Acceptacard name.
In 2022, PayaCardServices acquired Interactive Transaction Solutions.
PayaCardServices processes all major debit and credit cards for most business types.
EMV Card Readers and Swipers
EMV card readers and swipers are tools for businesses that handle credit and debit card transactions. These devices offer a secure way to process payments by reading the chip or magnetic stripe on cards. The integration of EMV technology helps reduce fraud and provides customers with a reliable and efficient payment experience.
POS Systems
Point of Sale (POS) systems are the backbone of many retail and hospitality businesses. These systems combine hardware and software to manage sales transactions, inventory, customer data, and other business operations. Modern POS systems offer a range of features, including the ability to accept various payment methods, generate detailed reports, and integrate with other business tools.
MOTO (Mail Order/Telephone Order) Payments
MOTO payments are a convenient option for businesses that process transactions without the customer being physically present. This method is often used by businesses that accept orders via phone or mail, allowing them to securely process credit card payments remotely.
e-Commerce Solutions
e-Commerce solutions are for businesses looking to establish or expand their online presence. These solutions provide the tools and infrastructure needed to set up and manage an online store, process payments, and handle customer orders.
PayaCardServices Customer Reviews
Here's What Their Clients Say
Customer Reviews Summary
Total Online Complaints
<10
Live Customer Support
Yes
Most Common Complaint
N/A
Recent Lawsuits
No
Less Than 10 Complaints
Currently, we’ve identified only a handful of PayaCardServices reviews, and none indicate any fraudulent activity or scams associated with the company. While one complaint highlights issues with communication during Acceptacard’s rebranding to PayaCardServices, the scarcity of other complaints suggests it was likely an isolated incident. If you have your own PayaCardServices review to contribute, please share it in the comments section below.
PayaCardServices Legal Status
No class-action lawsuits or FTC complaints have been filed against PayaCardServices. Clients dissatisfied with their experience and seeking resolution without litigation are encouraged to report their concerns to the relevant supervisory organizations.
PayaCardServices Customer Support
While the absence of negative feedback is notable, the lack of positive reviews makes it challenging to gauge PayaCardServices’ overall reputation among merchants. Nevertheless, the scarcity of complaints reflects positively on the company. PayaCardServices provides 24/7 phone support to all its merchants. However, this support channel alone does not qualify the company as a top-rated merchant account provider for customer service.
PayaCardServices Online Ratings
Here's How They Rate Online
No Profile
The Better Business Bureau does not maintain a profile for PayaCardServices at this time. We therefore will not factor a BBB rating into this review.
PayaCardServices Fees, Rates & Costs
A Closer Look at The Contract
Rates & Fees Summary
Cancellation Penalties
Unclear
Monthly & Annual Fees
Yes
Processing Rates
2.5% + £0.30 Or 2.95% + £0.30
Equipment Leasing
Yes
Paya Merchant Account Pricing
PayaCardServices, through its various brands, offers a spectrum of products and services, detailing some basic pricing for its credit card processing. It recommends its Payatrader Lite service for small businesses needing straightforward payment solutions, charging a consistent pay-as-you-go rate of 2.9% plus £0.30 for Visa/MasterCard transactions, and 3.95% plus £0.30 for American Express. This service includes a £99 joining fee, waived if only one payment channel is required, and is free from monthly fees, fixed contract durations, PCI Compliance fees, or termination fees.
For in-person transactions, businesses must acquire terminals, which can be rented from as low as £13.00 monthly, avoiding the long-term leases common with many traditional accounts.
Standard Merchant Account Pricing
For larger businesses, the company’s multi-channel service varies fees based on weekly processing volumes: 2.9% plus £0.30 for less than £500; 2.7% plus £0.30 between £500 and £1,000; 2.5% plus £0.30 between £1,000 and £2,500; and 2.3% plus £0.30 for over £2,500. American Express transactions are fixed at 3.95% plus £0.30, regardless of volume. This service has a £99 one-time joining fee and a £3 charge for each new user ID, without setup fees, monthly charges, or fixed terms.
Virtual Terminal and Payment Gateway Pricing
PayaCardServices also highlights its virtual terminal and payment gateway services, costing a £20 monthly gateway fee. Rates, technical support, batch fees, and transaction rates may apply, particularly for e-commerce.
POS Solutions
The POS to GO Plan, serving over 30,000 customers, uses Epos hardware for both mobile and in-store transactions, starting at a monthly fee of £69 or a purchase price of £799. The hardware comes with retail and hospitality-focused software and 24/7 customer support.
No Pricing Complaints
No substantial complaints about PayaCardServices’ fees have been found, indicating its pricing structure is competitive and transparent, appealing to various business models.
Business owners are advised to compare these offerings with other top merchant accounts to find the best match for their needs.
PayaCardServices Employee Reviews & Sales Tacitcs
Should You Work For Them?
Jobs & Marketing Summary
Uses Independent Resellers
No
Telemarketing
Unclear
Misleading Marketing
No
Discloses All Important Terms
Yes
Inside Sales Staff
PayaCardServices appears to utilize referral partnerships, traditional advertising, and an in-house sales team to market its service. There is no evidence that the company employs a large number of independently contracted sales agents, which helps to limit the risk of unapproved or deceptive tactics. This may explain the fact that there are currently no public PayaCardServices reviews that mention unethical conduct by the company’s sales staff.
PayaCardServices rates and contract terms are listed specifically, including “rates from 0.80% on Credit and 0.44% on Debit cards” for high-volume merchants, 2.3% plus £0.30 to 2.9% plus £0.30 based on weekly volume, and £2.50 per week for terminal rental. There is no evidence that these rates are misleadingly quoted at the time of sale, but some of these rates are “as low as”-style quotes that emphasize the company’s lowest possible price point. Business owners are encouraged to review all of the conditions governing their individual accounts rather than trusting the company’s promotional materials for pricing specifics. In general, PayaCardServices appears to practice full disclosure, but business owners should always be smart about the terms they consent to and seek a third-party statement audit if hidden fees are suspected.
Marketed As Contract Free
According to the company’s website, PayaCardServices offers merchant accounts without lengthy contracts which often contain undesirable terms and conditions. By offering clients the choice between a pay-as-you-go or month-by-month option, the company provides more flexibility than most in the industry.
Our PayaCardServices Review Summary
Our Final Thoughts
PayaCardServices is consistently rated as a dependable credit card processing provider based on the available information. The company is notable for its flexible pricing structure, tailored to accommodate small and midsize businesses aiming to sell both in-person and through online or telephone channels. This versatility makes it a practical choice for merchants seeking comprehensive payment solutions that adapt to diverse sales environments.
However, client feedback about PayaCardServices remains limited, and a thorough assessment requires more comprehensive user reviews. Therefore, we will continue to monitor customer experiences and update this review as new insights emerge. In the meantime, business owners are encouraged to compare PayaCardServices’ terms and offerings with those of other top-rated UK merchant account providers. By doing so, they can identify the solution that best aligns with their unique operational needs and payment processing strategies.
Contact PayaCardServices
Contact & Customer Support
CEO
Bill Thomson
Address
1 Westleigh Office Park, Scirocco Close, Moulton Park, Northampton, NN3 6BW
Formerly know as Sage it allowed 2 crooks I sold my business to request a form from Paya to change banks it was 1 page without any review my name was forged and misspell as a result the IRS claimed the $650,000 that went through that a account I was told it was earned income and I owed 200k. The processor Paya would do not a Damm thing to help me out with this issue. Many years I paid them between 125 and 150k$. They had the ability to contact the bank where the money was deposited and verify that it was not my account but they chose to do nothing. I emailed them dozens of times and spoke to them but they realized they screwed up and did not want to be liable. I would of sued but I had to fight with the IRS for 4.5 years so the statute of limitations ran out.
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John McCarthy
Formerly know as Sage it allowed 2 crooks I sold my business to request a form from Paya to change banks it was 1 page without any review my name was forged and misspell as a result the IRS claimed the $650,000 that went through that a account I was told it was earned income and I owed 200k. The processor Paya would do not a Damm thing to help me out with this issue. Many years I paid them between 125 and 150k$. They had the ability to contact the bank where the money was deposited and verify that it was not my account but they chose to do nothing. I emailed them dozens of times and spoke to them but they realized they screwed up and did not want to be liable. I would of sued but I had to fight with the IRS for 4.5 years so the statute of limitations ran out.