PayHub Payment Processing Review

PayHub Payment Processing Overview

PayHub Payment Processing May Have Overcharged You

If you accepted credit cards through PayHub Payment Processing or any other credit card processing company between 2017 and 2019, recent changes to the law may entitle you to refunds of certain debit card and credit card processing errors and overcharges. See this post to find out if your were among the businesses affected and to learn how you can get your money back.

8/26/2019 Update: According to the Better Business Bureau, PayHub Payment Processing is no longer in business. If merchants visiting this page have any differing information, they are encouraged to leave it in the comments section of this review. Unless this BBB notice is disproven, we will no longer update this page. All information in this review is current as of the time of our last update in June of 2019.

First Data Reseller

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‘s 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 Location and Management

PayHub Payment Processing is a registered ISO/MSP of Wells Fargo Bank, N.A., in Walnut Creek, California, and is located at 200 Fisher Dr, Avon, Connecticut 06001. Austin Nathan is listed as the senior vice president of PayHub Payment Processing.

PayHub Payment Processing Review Table of Contents

  • Costs & Contract: PayHub Payment Processing appears to offer a standard contract through First Data with variable terms.
  • Complaints & Service: PayHub Payment Processing has received fewer than 10 public complaints.
  • BBB Rating: PayHub Payment Processing does not have a rating with the Better Business Bureau.
  • Sales & Marketing: PayHub Payment Processing does not engage in misleading sales tactics and has not received complaints about its sales team.
  • Rates & Fees: How Merchants Got The Best Rates With PayHub Payment Processing
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Products & Services Offered

  • Debit and credit card processing
  • Check acceptance
  • Merchant cash advance
  • Mobile processing
  • Gift and loyalty programs
  • Payroll solutions

Types of Businesses Served

  • Retail
  • E-commerce
  • Mobile

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PayHub Payment Processing Rates, Fees, and Costs

Key Points

Swiped Rate 2.39% + $0.20
Keyed-in Rate 3.29% + $.30
Early Termination Fee Up to $495
PCI Compliance Fee $19.95 Per Month
Equipment Lease Terms 48 Months (locked)

PayHub Payment Processing Pricing

Since the time of our last update, the PayHub Payment Processing website has been updated to include some of the company’s pricing: 2.39% + $0.20 per swiped transaction and 3.29% + $.30 per keyed-in transaction, with a $15 monthly fee on all accounts. Additionally, the PayHub Payment Processing credit card processing contract (available below) is a standard First Data contract. This means that it is a three-year agreement with automatic renewal. It may also include an early termination fee, a PCI Compliance fee, a monthly minimum fee, a non-cancellable equipment lease, and other various fees First Data’s standard early termination fee is $95 while it’s PCI compliance fee is $19.95 per month. The spaces for precise figures have been left blank in the document we located, indicating that these amounts will likely vary depending on the agent setting up the account and a merchant’s size, business type, and time in business.

No Pricing Complaints

Although this contract has the potential to be either very competitive or very costly, the lack of merchant complaints about PayHub Payment Processing seems to indicate that most of the company’s clients are satisfied with their rates and fees. PayHub Payment Processing’s listed rates are about industry-average, but merchants should still compare its pricing to the cheapest merchant accounts. Merchants are also advised to read their applications and their program guides carefully to ensure that they understand all applicable fees. See the PayHub merchant agreement or the PayHub program guide.

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Response from PayHub Payment Processing

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PayHub Payment Processing Complaints & Customer Reviews

Key Points

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

Low Complaint Total

We are currently unable to locate any PayHub Payment Processing reviews that accuse the company of being a ripoff or a scam. To the contrary, the company is showing primarily positive reviews on various consumer protection websites. These testimonials praise the company’s sales team, pricing, and customer service. However, we were able to locate a couple of negative reviews that mention poor communication from customer service. While PayHub Payment’s positive reviews are unverified as of this update, it appears as though the company offers the most competitive version of the First Data contract that it can.

PayHub Payment Processing

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

PayHub Payment Processing Customer Support Options

The company offers a dedicated email form and a customer support phone number on its website, although it is unclear at this time whether these lines are serviced by PayHub Payment Processing or by First Data. The available evidence does not suggest that PayHub Payment Processing should qualify as a top-rated processor for customer service at this time.

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Response from PayHub Payment Processing

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PayHub Payment Processing BBB Rating Summary

Key Points - BBB

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

No Dedicated BBB Profile

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.

No Rating Assigned

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. Merchants 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.

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Response from PayHub Payment Processing

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms No

Independent Sales Agents

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 merchants, but we are currently unable to locate any PayHub Payment Processing complaints that accuse the company’s sales reps of unethical conduct.

No Deceptive Advertising

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.

Did you get what you expected from PayHub Payment Processing? Tell us why, or why not.

Response from PayHub Payment Processing

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PayHub Payment Processing Marketing Example

PayHub Payments Logo

Our Opinion of PayHub Payment Processing

An Above-Average Processing Option

PayHub Payment Processing rates as a reliable merchant services provider according to our criteria. The company is showing largely positive reviews online and appears to offer quality customer service from sale to account closure. Even when dealing with highly rated credit card processors, merchants are advised to carefully examine their contract terms and compare its pricing to the top overall providers.

We rely on your feedback about PayHub Payment Processing to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

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2 Reviews Leave Your Review for PayHub Payment Processing Below

  1. Hi Phillip,

    Noticed that on our review it states business is closed. We are still open and in business, we will reach out to BBB and see what that is about. Thank you for the great review.


    Marco Santos
    Regional Sales Director
    Payhub Payments
    Avon CT

  2. Card Payment Options, thank you for this excellent review – well research and much appreciated! We look forward to continuing to provide excellent payroll & payment processing service and can do so with ease due to support from experts like you!

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