PayCafe Review

PayCafe Logo
full star full star full star full star empty star

How did they treat you? ▼

An e-Commerce Platform Focused on Cyber Security

Founded in 2017, PayCafe is a merchant account provider focusing on e-commerce channels with optimized security. The company customizes virtual terminals through a selection of pre-built, conversion-optimized secure shopping carts while reserving the option for merchants to design their own without the need for a background in programming. These virtual terminal solutions are guaranteed to be PCI compliant and protect a merchant's confidential financial data from the vulnerability of being hosted on their servers. Each virtual terminal is enhanced with the ability to accept international cards and currencies as well as PayPal, other digital wallets, and even cryptocurrency.

The clear takeaway from PayCafe is its specialization in data security. In addition to being PCI compliant, the company's system ensures fraud prevention through data encryption that uses multiple encryption keys and dual control split knowledge that stores data offline, keeping it safe from being hacked. PayCafe's authentication and session management utilize two-factor authentication to gain access to its services to prevent unauthorized access to a merchant's confidential data. The scale of the company's oversight extends to monitoring the activity of employees, customers, and vendors accessing a merchant's virtual terminal to mitigation the risk of data breaches.

Location and Ownership

PayCafe is headquartered at 15165 Ventura Blvd, Suite 200, Los Angeles, CA. However, its acquiring bank is not disclosed. Yury Shenon is listed as the CEO of the company.

PayCafe Review Table of Contents

  • Costs & Contract: PayCafe does not disclose its contract terms, rates, or fees. However, the company advertises that it does not charge a setup or monthly fee.
  • Complaints & Service: PayCafe has received fewer than 10 public complaints.
  • BBB Rating: PayCafe currently has an “A” rating and has received 0 complaints in the last 3 years. The company has been accredited by the Better Business Bureau since 2018.
  • Sales & Marketing: PayCafe does not employ independent resellers and has not received any complaints about its in-house sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With PayCafe.

PayCafe Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

Low Complaint Total

There are no negative reviews about PayCafe available online. Consequently, there are no online complaints accusing the company of being a scam or fraud.

PayCafe Solutions Lawsuits

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

PayCafe Customer Support Support Options

PayCafe offers dedicated customer support via a 24/7 dedicated phone line. The company also provides dedicated consultants to assist with merchants migrating their services from over e-commerce platforms, While this is adequate, it is not as comprehensive as what the best merchant accounts for customer service offer.

An “A” Overall

Given the company’s moderate complaint volume, clean legal history, and comprehensive but poorly reviewed support options, PayCafe receives an “A” rating in this category.

PayCafe Online Ratings

Here's How They Rate Online

Online Ratings Summary
Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Clean Complaint Record

PayCafe has been accredited by the Better Business Bureau since 2018. As of this review, the company has had 0 complaints filed against it since its profile was create by the BBB in May of 2018. The company does not have any informal reviews on its BBB profile either.

An “A” Overall

In keeping with our policy, companies with a clean record with the BBB garner an “A” rating in this category. As such, we agree with the BBB’s rating of PayCafe. Merchants should be aware, however, that there are reasons to be skeptical of the BBB’s reviews.

PayCafe Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Virtual Terminal Rate 1.00% - 4.99%
Payment Gateway Fee Undisclosed
Setup Fee None
Monthly Fee None
Early Termination Fee Undisclosed
PCI Compliance Fee Undisclosed
Equipment Lease Terms N/A

Unclear Pricing and Fees

There is not much readily available information on the standard PayCafe merchant agreement. According to the company’s website, it is apparent that the company solely provides an online payment gateway for e-commerce merchants. However, the company does not disclose the rates and fees it charges. While it is unclear if the company charges a PCI compliance fee or early termination fee, the PayCafe website advertises that it does not charge a monthly fee or setup fee.

Chargeback Protection

One facet of the company’s services in addition to its emphasis on data security is its initiative to protect merchants against chargebacks. The industry standard chargeback fee is $25 per occurrence. The accumulation of these fees can amount to as high as a cost as any monthly fees. To protect merchants against that cost, PaySafe has created an online dispute system to lessen the frequency of the chargebacks they incur.

A “C” Overall

The absence of available information on the company’s rate and fee structure makes it difficult to assess the cost of PayCafe’s services. However, its specialization in e-commerce payments, as well as its commitment to limiting fees such as setup fees, monthly fees, and chargebacks, reflects a commitment to providing merchants with a cost-effective payment processing platform. In light of those considerations, the company receives a “C” in this category.


PayCafe Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms No

PayCafe Sales Tactics

The PayCafe website does not reflect that the company employs independent resellers. The website also provides a phone number to its in house sales team. The company does not have any public complaints regarding its in-house sales practices.

Data Migration Services

In addition to the slew of cybersecurity enhancements offered by the company, PayCafe also offers data migration services to merchants so that can easily transition their online stores to the platform. PayCafe’s data migration service is guaranteed to comply with PCI Level-1 standards. Additionally, merchants can keep their domain name while transferring to PayCafe’s e-commerce platform while being afforded a complimentary 128-bit SSL certificate for the entirety of their website. All of this means that a merchant’s online store can limit the cost of additional data security measures by utilizing the company’s payment gateway.

Limited Information on Rates and Fees

PayCafe does not advertise any misleading information about its rate or fee structure. However, that is a byproduct of the company offering limited insight into this information. Without any disclosure of its pricing, it is difficult to assess the cost of the company’s services, transaction rates, or any other additional fees. At the very least, the company advertises that it does not charge monthly fees or setup fees.

A “B” Overall

PayCafe’s choice to not incorporate an independent reseller program and the absence of any complaints against its in-house sales practice reflects well on the company. As does the detailed offering of services that extend beyond mere payment processing services. However, the lack of a transparent rate and fee structure lowers the company’s grade to a “B” overall in this category.



Our PayCafe Review Summary

Our Final Thoughts

A Secure Option for e-Commerce

While there are many payment gateways that disclose their pricing, few offer the comprehensive security options that PayCafe does. This makes the company a good option for merchants who are seeking an emphasis on added security due to their industry. Unfortunately, the lack of available pricing makes assessing its costs difficult but its emphasis on fighting chargebacks and mitigating other fees like monthly fees or set up fees reflects well on the cost of its services.

If you found this article helpful, please share it!

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 PayCafe Treat You?

1 User Reviews

  • Beckett Elsie

    I’ve been using PayCafe for my online business transactions, and I must say, it’s been a game-changer! Their seamless payment processing has streamlined my operations and boosted customer satisfaction. PayCafe’s user-friendly interface makes it a breeze to navigate, while their top-notch security measures ensure my customers’ data remains safe.

    The real-time reporting and analytics have given me valuable insights into my sales performance, enabling me to make informed decisions and optimize my business strategies. What’s even better is their responsive customer support team, always ready to assist with any queries promptly.

    In summary, PayCafe has proven to be a reliable, efficient, and trustworthy payment solution for my business. I can’t imagine managing transactions without it! Highly recommend it to any business owner looking to elevate their payment processing game.

Tell Us How They Treated You

Sharing your experience influences our rating and helps other business owners make informed decisions. Please take a moment to tell us if they are serving you well. Your email address will never be published, shared or sold. We only use it to authenticate that you are a real person and, if you select the option for it, to let you know if someone replies to your comment. 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 © 2024, 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.