We take our role in providing guidance and education regarding the card payment industry very seriously. At our own expense, we have vigorously defended our right to continue expose unethical and predatory practices in the industry, successfully defeating every attempt to silence us. However, fending off frivolous lawsuits is costly. To sustain these efforts, one of the ways we generate revenue is through affiliate partnerships with ethical providers. This means that some of our outgoing links connect business owners to trustworthy, low-cost payment processors, which is what most of our readers seek. We see this revenue channel as a win-win-win for everyone involved. Business owners find good processors, processors get good clients, and we are able to continue to provide a valuable service to the small business community. We also recommend and link to many services that do not compensate us. Our priority is to guide you to the best solutions for your needs, regardless of potential revenue. If you have questions, please feel free to contact us.
All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.
In this review of PayHub Payment Processing, we give an overview of the company’s payment services, including credit card processing, POS systems, and e-commerce options. We explain their pricing, contract terms, and customer feedback so you can see what they offer. The review also looks at fee transparency, the quality of customer support, and overall client satisfaction. By the end, you’ll know whether PayHub Payment Processing is a good fit for your business.
PayHub Payment Processing, also called “PayHub Payments” and not to be confused with another company that simply goes by “PayHub,” is a merchant account provider headquartered in Avon, Connecticut. The company was founded through a 2012 merger between NPD Payroll and First Global Merchant Services and is now a reseller of First Data (now Fiserv) merchant services. PayHub claims to process 3 million transactions per year totaling over $300 million. The company also advertises Clover as a POS solution.
PayHub Payment Processing handles transactions for most major debit and credit cards across various business types. Their services include Clover POS solutions, EMV swipers, mobile payments, e-commerce solutions, invoicing, cash discounts, gift and rewards programs, cash advances, ACH and check processing, and acceptance of ApplePay, Google Wallet, and PayPal.
PayHub offers a plan that aims to eliminate processing fees, including unlimited credit card transactions and next-day funding for $15 per month. The company claims this plan can save clients an average of over $8,000 per year.
PayHub provides mobile payment solutions that are ready to use immediately. Starting at $9 per month, this service integrates with Clover devices and ensures high-level security for all transactions.
PayHub facilitates quick and efficient in-person payments. They also offer solutions for remote customers, including phone and online payment options.
The company provides services to streamline online sales, offering easy checkout options for e-commerce platforms.
PayHub allows businesses to send invoices and automatically bill recurring clients, simplifying the billing process.
PayHub includes a variety of features such as rewards programs, gift card programs, upsell applications, accounting and bookkeeping, and employee scheduling.
PayHub offers 24/7 customer service and ensures PCI compliance. There are no setup fees, and the service includes real-time access to deposits and chargeback text alerts.
Our search hasn’t uncovered any accusations labeling PayHub Payments as a scam or ripoff. While the majority of feedback on consumer protection platforms leans towards positive, a minority mentions challenges with customer service communication. Conversely, several unverified reviews praise the company’s sales team, pricing, and service quality. It seems PayHub Payments aims to offer competitive First Data (Fiserv) contracts. We invite you to share your own PayHub Payments experience in the comments section below.
To date, there are no ongoing class-action lawsuits or FTC complaints against PayHub Payments. Clients dissatisfied with the company’s service are advised to report concerns to relevant supervisory organizations for resolution.
On its website, the company offers a dedicated email form and a customer support phone number. However, it’s unclear whether these channels are directly serviced by PayHub Payments or by First Data (Fiserv). Although not currently classified as a top-rated processor for customer service, further exploration is warranted.
| PaymentPop | 5 |
|---|---|
| BBB Rating | N/A |
| Google Maps | 1 |
| Average Rating | 3 |
There are no negative reviews published about Payhub Payment Processing on the PaymentPop website.
PayHub has been easy to work with from the start. Their pricing was clearly explained, and our system was running within days. We’ve had no surprises on our statements, and when we reached out with a support question, someone picked up right away.
PayHub Payment Processing is not listed with the Better Business Bureau, though one of its merger companies, NPD Payroll, is. As of this review, NPD Payroll does not have a rating with the BBB and has had one complaint filed against it in the last year. The complaint filed against NPD Payroll has not been answered by the company, and the BBB indicates that it has withheld a rating because NPD Payroll is likely no longer in business. Despite the fact that the address on this BBB profile matches the address on the PayHub Payment Processing website, we will not treat this profile as the profile for PayHub Payment Processing for the time being.
We agree with the BBB’s decision to withhold a rating at this time because it seems that the BBB does not have a clear grasp of the PayHub Payment Processing’s current status. Readers should still be aware that there are good reasons to be skeptical of any NPD Payroll or PayHub Payment Processing BBB profile that may be published.
PayHub has a 1 out of 5 star rating based on 2 user reviews on Google Maps.
Slow service, customer service waited for half an hour and no one answered the phone
There are no positive reviews published about PayHub on Google Maps.
As of the latest update, PayHub Payment Processing disclosed certain pricing details: 2.39% + $0.20 per swiped transaction and 3.29% + $0.30 per keyed-in transaction, alongside a $15 monthly fee for all accounts. The PayHub Payment Processing credit card processing agreement, as seen in the documents below, follows the typical First Data (Fiserv) contract structure. This arrangement generally spans three years with automatic renewal and can include an early termination fee, a PCI Compliance fee, a monthly minimum fee, a non-cancellable equipment lease, and other assorted fees. The standard early termination fee with First Data (Fiserv) is set at $95, and the PCI compliance fee is $19.95 monthly. The exact figures in the provided agreement are unspecified, suggesting variability based on the agent handling the account, as well as the size, type, and duration of the business.
Despite the potential for this contract to range from highly competitive to quite expensive, the absence of client grievances about PayHub Payment Processing implies overall customer satisfaction with their rates and fees. The rates listed by PayHub Payment Processing are in line with industry standards. However, prospective clients should compare these to the rates of the most economical merchant accounts. It’s essential for readers to thoroughly review their applications and program guides to fully comprehend all associated fees. Refer to the PayHub merchant agreement and the PayHub program guide for detailed information.
PayHub Payment Processing appears to utilize strategic partnerships, a referral program, and independent sales agents to market its services. The use of independent sales agents is typically tied to elevated complaint rates for clients, but we are currently unable to locate any PayHub Payment Processing reviews that accuse the company’s sales reps of unethical conduct.
As an additional point in the company’s favor, PayHub Payment Processing also does not appear to engage in deceptive advertising strategies in its official materials. If you suspect that you have had undisclosed charges added to your PayHub Payment Processing contract, we recommend seeking a third-party statement audit to eliminate hidden fees.
Compare PayHub Payment Processing to competitors that earned top marks.
PayHub Payment Processing rates as a reliable credit card processing services provider. The company enjoys predominantly positive online reviews, indicating strong customer satisfaction from initial sales to account closure. PayHub’s quality of customer service sets it apart and helps solidify its reputation in the industry. Despite its strong rating, readers are urged to meticulously review their contracts before committing, ensuring that the terms align with their business needs. It’s always prudent to compare PayHub’s pricing to that of top-rated providers to guarantee optimal value and service quality.
| Vice President | Austin Nathan |
|---|---|
| Headquarters | 200 Fisher Dr, Avon, Connecticut 06001 |
| Toll-Free Support | (855) 572-9482 |
| Fax | (860) 606-9669 |
| Additional Support Channels | Online Contact Form |
| Website | payhubpayments.com |
