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PayaCardServices 2023: Card Processing Reviews & Complaints
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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
|Total Online Complaints||<10|
|Live Customer Support||Yes|
|Most Common Complaint||N/A|
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
- Customer service email address at [email protected]
PayaCardServices Online Ratings
Here's How They Rate Online
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
|Monthly & Annual Fees||Yes|
|Processing Rates||2.5% + £0.30 Or 2.95% + £0.30|
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.
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?
|Uses Independent Resellers||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.
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