PayHub Overview

PayHub May Have Overcharged You

If you accepted credit cards through PayHub 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.

Owned By SignaPay

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.

Location and Ownership

SignaPay is a registered ISO of BMO Harris Bank, N.A., Chicago, Illinois, of Wells Fargo Bank, N.A., Concord, California, of Esquire Bank, Garden City, New York, and of the Canadian branch of U.S. Bank National Association and Elavon. John Martillo is the CEO of SignaPay, which is headquartered at 4100 W. Royal Lane, Suite 150, Irving, Texas 75063.

PayHub Review Table of Contents

  • Costs & Contract: PayHub offers multiple pricing plans through SignaPay that may or may not include early termination fees.
  • Complaints & Service: PayHub has received fewer than 10 public complaints.
  • BBB Rating: PayHub has an “A+” rating with the Better Business Bureau and has received zero complaints in the last three years.
  • Sales & Marketing: PayHub may hire independent sales agents but has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With PayHub
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Products & Services Offered

  • Debit and credit card processing
  • Online shopping cart integration
  • Recurring billing
  • Mobile phone processing
  • Online payment gateway
  • Virtual terminal

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce
  • MOTO

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PayHub Rates, Fees, and Costs

Key Points

Flat Rate Plan Pricing 2.79%+$0.25
Gateway Plan Swiped Rate 1.59%+$0.25
Gateway Plan Keyed-in Rate 2.19%+$0.25
Gateway Fee $9.95+ Per Month
Interchange Plan Rate Interchange+0.40%+%0.10
Early Termination Fee Up to $495
PCI Compliance Fee $99
Equipment Lease Terms 48 Months (locked)

PayHub Pricing Plans

PayHub lists 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 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.

An “A” Grade For Now

Overall, the existing evidence regarding PayHub’s pricing seems to support an “A” rating, but this score could be much lower if the full terms of SignaPay’s standard contracts apply. Merchants are also advised to compare the company’s pricing to budget-friendly merchant account providers. See the SignaPay TSYS Merchant Application, the SignaPay Priority Payment Systems Merchant Application, and the SignaPay First Data Merchant Application.

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Response from PayHub

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PayHub Complaints & Customer Reviews

Key Points

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

Low Complaint Total

We are currently able to locate only two negative PayHub reviews, neither of which accuse PayHub of being a scam or a ripoff. One public complaint, located in the comment section of this review, describes undisclosed fees and excessive costs through the PayHub gateway linked to a merchant account through CPAY. The content of the 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.

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.

PayHub Customer Support Options

PayHub provides phone and email contact information on its website, but for now there is no indication that it should qualify as a top-rated credit card processor for customer service.

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Response from PayHub

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PayHub 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 BBB Complaints

PayHub currently has an “A+” rating with the Better Business Bureau and is not BBB-accredited. The company has received zero complaints in the past three years. It also has not received any negative informal reviews to its profile, although it’s worth mentioning that these reviews typically are not subject to BBB verification.

An “A” Rating

In light of PayHub’s clean complaint record, we agree with the BBB’s rating at this time. Merchants should note, though, that there are good reasons to be skeptical of the BBB’s information.

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Response from PayHub

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Truth In Marketing & Advertising

Key Points

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

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. Complainants 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 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-qualified downgrade 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.

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Response from PayHub

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PayHub Marketing Example

PayHub Logo

Our Opinion of PayHub

A Decent Payment Gateway

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.

We rely on your feedback about PayHub 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 Below

  1. ORLI GARIA says:

    Hello everyone! just want to tell you what happened to me with this company!

    At first when they signed me up like everyone else they promise you lower rate from the beginning, but..
    first month was great then little by little they raised the fee by a few dollars till they got to this.. i make no more than 7k a month and that’s the highest in a good month regular will be 3 to 4k a month check out the charges!

    just so you know before getting screwed with them like i did.

    01/02/14 CENTRAL PAYMENT PMT PROC 140101 0017244354 ORLI GARCIA $127.96
    01/03/14 BANKCARD MTHLY FEES 131231 628024000356716 ORLI & SONS COMPUTER R $46.55
    01/13/14 BANKCARD FEE – 0329233444 $75.00

    01/28/14 BANKCARD PCI FEE 012714 000000013344150 ORLI & SONS COMPUTER $124.75

    02/03/14 CENTRAL PAYMENT PMT PROC 140201 0017244354 ORLI GARCIA $296.81
    02/03/14 BANKCARD MTHLY FEES 140131 628152000405376 ORLI SONS COMPUTER REP $49.95
    02/03/14 BANKCARD MTHLY FEES 140131 628024000356716 ORLI & SONS COMPUTER R $46.55

    12/11/13 BANKCARD FEE – 0329233444 $120.00
    12/03/13 CENTRAL PAYMENT PMT PROC 131202 0017244354 ORLI GARCIA $210.91
    12/02/13 BANKCARD MTHLY FEES 131130 628024000356716 ORLI & SONS COMPUTER R $46.55

    1. Hi Orli,

      Was this comment meant for the Central Payment review or this PayHub review?

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