PayaCardServices Reviews & Complaints

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How did they treat you? ▼

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.

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 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
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.

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 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.

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.

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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 PayaCardServices Treat You?

1 User Reviews

  • 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.

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