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.
PayHub, not to be confused with PayHub Payment Processing, is a merchant account provider headquartered in Irving, Texas. PayHub initially operated as an independent online payment gateway provider, but its 2014 acquisition by SignaPay has turned PayHub into just one of several services offered by the SignaPay brand. As a result, PayHub offers payment processing exclusively through SignaPay at this time, although merchants can purchase the PayHub gateway without purchasing a SignaPay merchant account.
PayHub Payment Gateway
PayHub processes most major debit and credit cards through its proprietary payment gateway. They advertise this gateway as having a "simple and robust API", tokenization, dedicated support, and Level 1 Service security. They also offer mobile payments, a virtual terminal, shopping carts, donation acceptance, and extensive third-party integration.
Customer Reviews & Sentiment
Low Complaint Total
We are currently able to locate only 2 negative PayHub reviews, neither of which accuse PayHub of being a scam or a ripoff. One public PayHub complaint, located in the comment section of this PayHub review, describes undisclosed fees and excessive costs through the PayHub gateway linked to a merchant account through CPAY. The content of the PayHub complaint seems to indicate that most of the disputed costs originate with CPAY rather than PayHub, so it will not count too heavily against the company in this review. If you have your own PayHub review to make, please do so in the comments below.
SignaPay Complaints
SignaPay has received a low-to-moderate volume of complaints over the past few years, which might suggest that merchants could have a negative experience with SignaPay’s integrated merchant accounts through PayHub. However, it’s unclear whether SignaPay’s standard pricing is applied to PayHub merchants.
PayHub Lawsuits
We have not found any outstanding class-action lawsuits or FTC complaints filed against PayHub. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
We have located a single PayHub customer service phone number:
(800) 944-1399 – Toll-Free Customer Support
Industry Scores & User Ratings
Online Ratings Summary
Total BBB Complaints
12
Resolution Rate
100%
Complaints Resolved
6
Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.
Over 10 Complaints
PayHub currently has no profile with the Better Business Bureaus, but SignaPay has a rating of “A+” and has been accredited since 2008. The company has received 12 complaints in the past 3 years. 6 of these 12 complaints were resolved by the company to the satisfaction of the merchant. The remaining 6 were resolved to the dissatisfaction of the merchant or received no final response.
What Merchants Say
PayHub has also received 3 informal reviews on its profile. Of the reviews, 2 are positive while 1 is negative. A former negative review mentions unexpected charges and held funds:
To any and all business owners seeking to use this company for credit card processing stay completely away . They charged our account for equipment we did not ask for , Every transaction they have processed through them there has always been an issue with receiving our funds they have held our money without any reason and used every excuse as to why it was with held escalated the situation with Upper management and they were worse than the people below them . They have caused issues with our Bank and our funds for the last time . Reporting them to the Attorney General and FEDERAL level since their upper management doesn’t have the ability to provide customer service to their customers.
In light of this information, we have adjusted the BBB’s rating to a “B.”
Processing Rates & Fees
PayHub Pricing Plans
PayHub formerly listed three pricing plans on its website. The first (“Gateway“) provides the company’s payment gateway without SignaPay’s integrated payment processing and charges $9.95 per month or more for the virtual terminal and mobile app as well as features like tokenization, recurring billing, live support, and cloud reporting. In addition to its monthly fee, the “Gateway” plan offers rates of 1.59% plus $0.25 and 2.19% plus $0.25 for swiped and keyed-in transactions, respectively.
The second plan (“Flat Pricing“) includes the payment gateway, virtual terminal, and mobile app along with all features of the Gateway plan plus integrated credit card processing. It charges a fixed rate of 2.79% plus $0.25 per transaction and does not include any monthly fees, although it is unclear whether annual or one-time fees will apply.
The third plan (“Interchange Plus“) includes the same features as the Standard Merchant Account plan, but charges interchange plus 0.40% plus $0.10 per transaction.
Other Potential Fees
None of these plans mention annual or one-time PayHub fees (such as fees for PCI compliance or early termination), but that does not mean that these fees won’t apply. There is currently only one PayHub complaint related to pricing, but this complaint seems to be more directed at the fees imposed by Central Payment Corporation in conjunction with the PayHub payment gateway. SignaPay is known to charge an early termination fee of up to $495 and an annual PCI compliance fee of $99, so merchants may encounter these fees if they use SignaPay’s merchant account with PayHub.
The PayHub payment gateway is the primary product offered by the company
Employee Reviews & Sales Practices
Marketed Through SignaPay
As a result of its acquisition by SignaPay, PayHub primarily appears to be marketed as a service within the SignaPay family of products. SignaPay is known to utilize independent sales agents to market its service and has received complaints related to this practice. SignaPay reviews specifically cite nondisclosure of fees as a common issue with SignaPay, although there is no clear indication as to whether these are PayHub-related fees or other SignaPay fees.
Transparent Pricing
PayHub lists its pricing on its website, and it appears that the PayHub rates quoted are for the most part accurate. The company’s pricing page does not disclose any early termination fees or annual PCI compliance fees, but it is very possible that these fees may apply under some of its plans. As a point in the company’s favor, these rate quotes do distinguish between swiped and keyed-in transactions. However, they do not disclose any mid-qualified or non-qualifieddowngrade fees that may apply. PayHub also prominently notes that it can provide interchange-plus pricing upon request. If you suspect that PayHub is charging you undisclosed fees, we recommend seeking a free third-party statement audit.
PayHub Competitors
Compare PayHub to competitors that earned top marks.
PayHub rates as a solid payment gateway option according to all available information. The company’s acquisition by SignaPay raises some concerns about its marketing tactics and contract terms, but we have not seen a rise in complaints that would suggest a downturn in service quality. Merchants are encouraged to inquire about all possible pricing terms, even those that may not be listed on the company’s website. Although there are better options for virtual terminals and more reliable payment processors available, PayHub is an all-around decent merchant services provider.
