PayaCardServices 2023: Card Processing Reviews & Complaints

PayaCardServices Rating
full star idicating a 5 out of 5 star rating full star idicating a 5 out of 5 star rating full star idicating a 5 out of 5 star rating full star idicating a 5 out of 5 star rating full star idicating a 5 out of 5 star rating

Agree with our rating?
Leave a comment below

image of a phone image of a phone that changes when your mouse hovers over it 0333 123 1243 View Pricing

Newly Updated Branding

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.Re

PayaCardServices Payment Processing

PayaCardServices processes all major debit and credit cards for most business types. Their services include EMV card readers and swipers, POS systems, MOTO, and e-commerce solutions.

Location & Ownership

Credorax is the acquiring bank for Acceptacard, while PayaCardServices does not list their acquiring bank. PayaCardServices is located at 1 Westleigh Office Park, Scirocco Close, Moulton Park, Northampton, NN3 6BW. Bill Thomson is CEO of the Paya Group.

Table of Contents

PayaCardServices Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Item Result
Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A
Recent Lawsuits No

Under 10 Complaints

We are currently able to locate only a few PayaCardServices reviews, and they do not suggest that the company is a ripoff or a scam. One PayaCardServices complaint mentions poor communication that seems to align with the time of Acceptacard’s full rebrand to PayaCardServices, but in the absence of many other complaints, it appears to have been an isolated incident. If you have your own PayaCardServices review to make, please do so in the comments below.

PayaCardServices Lawsuits and Fines

We have not found any outstanding class-action lawsuits or FTC complaints filed against PayaCardServices. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

PayaCardServices Customer Support Options

It should be noted that the lack of negative feedback is mirrored by a lack of positive feedback, so it’s generally difficult to say what PayaCardServices’s general reputation is among merchants. However, the absence of complaints always reflects well on a merchant account provider. PayaCardServices offers 24/7 phone support to all of its merchants, but this service channel is not sufficient to qualify the company as a top-rated merchant account provider for customer service.

PayaCardServices Customer Service Numbers

  • 0333 123 1243 – Customer Service
  • 0333 123 1246 – Sales
  • 0333 123 1243 – Technical Support

Other Support Options

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

Cost & Fees Summary
Item Result
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 offers a wide range of products and services under its various affiliate brands, but it has released some basic pricing details about its credit card processing. Small businesses that do not require multi-channel payment solutions are encouraged to use the company’s Payatrader Lite service, which charges fixed pay-as-you-go pricing of 2.9% plus £0.30 (Visa/MasterCard) or 3.95% plus £0.30 (American Express) for all transactions. This Pay As You Go service charges a £99 one-time joining fee but the fee can be waived if a business requires only one payment channel. Payatrader Lite does not appear to come with any other monthly fees, contractual terms, PCI Compliance fees, or termination fees.

In-person businesses will also need to obtain equipment for a separate cost. However, the company advertises several terminals which can be rented for as low at £13.00 per month without an undesirable long-term equipment lease offered by many traditional merchant accounts.

Standard Merchant Account Pricing

The company’s standard multi-channel merchant account service for larger, established merchants charges a variable per-transaction fee of 2.9% plus £0.30 for merchants who process less than £500 per week, 2.7% plus £0.30 per transaction for merchants who process between £500 and £1,000 per week, 2.5% plus £0.30 per transaction for merchants who process between £1,000 and £2,500 per transaction per week, and 2.3% plus £0.30 per transaction for merchants who process more than £2,500 per week. American Express always costs 3.95% plus £0.30 per transaction, irrespective of weekly volume. This service typically charges a £99 one-time joining fee and £3 for each new user ID, but there is currently no set-up fee associated with this account type. The standard merchant account does not appear to come with any other monthly fees or long-term commitments.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, PayaCardServices also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. The monthly gateway fee for this service is £20. Additional rates and fees, technical support fees, batch fees, and additional transaction rates typically may also apply to this e-commerce service.

POS Solutions

The company’s website also advertises its POS to GO Plan. According to PayaCardServices, this POS plan is utilized by over 30,000 of its customers. This service relies on Epos hardware to provide merchants with a POS option that can be used for mobile or storefront transactions. The monthly fee for this hardware begins at £69 or can be bought outright for £799.  Each piece of hardware is also equipped with POS software tailored for retail and hospitality businesses as well as 24/7 customer support.

No Pricing Complaints

We are currently unable to locate any client complaints that describe unexpected or exorbitant PayaCardServices fees. The company’s pricing is generally very flexible and transparently quoted, comparing favorably to some of the cheapest merchant accounts available. Whether it is a good fit for a business will largely depend on that merchant’s business type.

We also encourage business owners to check out our list of the providers of the best merchant accounts.

PayaCardServices Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Item Result
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.

This compares favorably to our list of best credit card processors.

No Misleading Rate Quotes

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 rates as a reliable credit card processing provider according to all available information. The company offers flexible pricing that is best suited for small and midsize businesses that are hoping to sell in-person, online, and over the phone. Client feedback about PayaCardServices is currently scarce, so we will continue to monitor reviews and update this review as warranted. For now, business owners are advised to compare the company’s terms with those of top-rated UK merchant account providers.

If you found this article helpful, please share it!

Your Comments & Reviews

How Did PayaCardServices Treat You?

1 Responses

  • 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.

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


Copyright © 2023, 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.