PayHub Payment Processing Review: Fees, Complaints & Lawsuits

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PayHub Payment Processing
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PayHub Payment Processing

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PhonePhone(860) 284-0152 View Pricing

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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 (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

PayHub Payment Processing processes most major debit and credit cards for most 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 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 (Fiserv) with variable terms.
  • Complaints & Service: PayHub Payment Processing has received fewer than 10 public complaints.
  • BBB Rating: PayHub Payment Processing has no 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
PayHub Payment Processing services

Some of the services offered by PayHub Payment Processing

Should You Trust PayHub Payment Processing?

Lawsuits, Reviews & Complaints

Here's Who We Trust.

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint

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. On 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 (Fiserv) 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 (Fiserv). The available evidence does not suggest that PayHub Payment Processing should qualify as a top-rated processor for customer service at this time.

PayHub Payment Processing customer service

PayHub Payment Processing’s customer service option

Is the BBB Rating for PayHub Payment Processing Accurate?

Better Business Bureau Profile

See Which Processors Offer No Monthly Fees And No Contracts.

BBB Summary

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

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.

How Expensive is PayHub Payment Processing Service?

Rates, Fees, and Contract Terms

Don't Fall Into An Expensive Trap. See Who The Worst Processors Are.

Cost Summary

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 (Fiserv) 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. The First Data (Fiserv) standard early termination fee is $95, while its 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.

Does PayHub Payment Processing Use Deceptive Marketing?

Advertising & Sales Strategy

Audit Your Current Statement To Find Its Hidden Fees

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Key Points

Employs Independent Resellers
Advertises Deceptive Rates
Discloses All Important Terms

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.

Does PayHub Payment Processing Deserve Your Business?

Review Summary & Our Thoughts

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 their pricing to the top overall providers.

Customer & Employee Reviews

What Others Are Saying About PayHub Payment Processing

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7 Responses

  • Lisa


    I am very pleased with Payhub Payments and my local contact Montana Armata! I did not have any experience with Merchant Services before this year and initially went with a provider which had very high rates. Fortunately, I met Montana through a BNI group and after spending 1/2 hour learning about my business, she provided me with the perfect plan at about 1/10th of the costs! This has been one less thing to worry about. I have received personal 1:1 training from Dan in the main office and unbelievable customer service. They pick up their phones, know the product, are pleasant and promptly assist with addressing questions. Kudos!

  • Ernie Tate

    My bank flagged them when trying to pull money out of my account for processing. They thought it was fraud. It was under $700.00. They then held hostage my deposits for the tune of $11000.00 . I have spent multiple phone calls trying to just pay them directly. They will not accept payment. I have spent hours at the bank trying to get a letter to reassure them my accounts have no problem. We are now going on a week of them holding my money. I have contacted a lawyer to get my money.

    • Marco Santos

      Hi Ernie,

      My name is Marco Santos I am the Regional Sales Director, I have looked up the business name Performance Specialties and I don’t see any accounts with that name, i have also reached out to risk and they also don’t see a business by that name. Please note that there is a Payhub (Signa Pay) that is based out of Texas and we are Payhub Payments based out of Avon CT. Please send me an email at [email protected] or you can call me on my direct number (860)969-0199 so I can look in to this and see if its us or the other Payhub.


  • Sherry Hefner

    BEWARE!!!!!! These people are extremely difficult to get in touch with. They keep charging me 6 months after I canceled. They sent a form for me to fill out and fax. I did that 3 months ago. Still getting charged. Expect a refund but I think these people are crooked. So I am reporting them!

    • Marco Santos

      Hi Sherry, My name is Marco Santos and i am the Sales Director for Payhub Payments. someone just brought this to my attention. I tried looking in our system and your name does not appear to be associated with any of our existing or past accounts, we are Payhub Payments based out of Avon CT, there is a company called Payhub based out of Texas that we are not affiliated with. Please feel free to reach out to me with any questions.


      Marco Santos
      [email protected]

  • Marco Santos

    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

  • Ariel Nathan

    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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Phillip Parker
Credit Card Processors
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