PayLeap Credit Card Processing 2023: Reviews & Complaints

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PayLeap Rating
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image of a phone image of a phone that changes when your mouse hovers over it (877) 472-9532 View Pricing

Company Overview

Formerly known as Affinity Payments, PayLeap is a merchant account provider founded in 2008 in Warsaw, Indiana. The company is best known for its virtual terminal and e-commerce credit card processing package, but it also supplies traditional credit card terminals and POS systems. PayLeap was acquired by Acculynk in 2012, and Acculynk was acquired by First Data (now Fiserv) in 2017. As a result, PayLeap is now a First Data (Fiserv) subsidiary.

PayLeap Payment Gateway

PayLeap has primarily positioned itself as a competitor of companies such as, PayPal, Google Checkout, and Volusion with a service offering that appeals to merchants interested in e-commerce and virtual terminal services. One way that PayLeap distinguishes itself, however, is that it enables clients to process PIN debit payments over the internet.

Location & Ownership

PayLeap is a registered ISO of Wells Fargo Bank, N.A., Concord, California, and is headquartered at 3634 E US Highway 30, Warsaw, Indiana 46580. Scott Miller is the president and CEO of PayLeap.

Table of Contents

PayLeap Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Item Result
Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A
Recent Lawsuits No

Low Complaint Total

As of this review, there is only one recent negative PayLeap review on the usual forums and consumer protection websites. The complaint accuses PayLeap of improperly holding funds, but it seems that the client might have had some issues with chargebacks in this case. Our research shows that the vast majority of PayLeap’s clients are satisfied with the company’s services, and there are no obvious issues with the company according to available complaints. If you have your own PayLeap review to make, please do so in the comment section below.

PayLeap Lawsuits and Fines

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

PayLeap Customer Support Options

PayLeap offers phone support, a customer support form, online chat, and an FAQ section on its website, but it is possible that these channels are at least partially serviced by First Data (Fiserv), PayLeap’s backend processor. In general, the company’s support appears to compare favorably to that offered by the top merchant accounts for great customer service.

PayLeap Customer Service Number

  • (877) 472-9532 – Toll-Free Support

Other Support Options

PayLeap Online Ratings

Here's How They Rate Online

Online Ratings Summary
Item Result
BBB Reports 0

 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.

Clean Complaint Record

As of this review, PayLeap is not accredited with the Better Business Bureau. The company has an “A+” with the BBB at this time despite 0 complaints filed in the last 36 months. The company has not received any informal reviews through the BBB.

An “A” Performance

In light of the company’s clean complaint record, we agree with the BBB’s rating. Readers should be aware, however, that there are reasons to be skeptical of the BBB’s rating system.

PayLeap Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Item Result
Cancellation Penalties No
Monthly & Annual Fees Yes
Processing Rates Variable
Equipment Leasing No

Fixed-Rate Pricing

The PayLeap pricing page lists transaction fees 2.39% plus $0.29 for debit transactions and 2.89% plus $0.29 for credit card transactions, and a monthly service fee of $19.99. According to a now-defunct partners page, Payleap charges a $10 monthly statement fee. Businesses that wish to accept gift card payments and/or ACH/eCheck processing will also be subject to an additional $14.99 monthly fee for each respective service. It is unclear if there are additional minimum processing fees or PCI Compliance Fees. Be sure to ask your agent to list all fees and thoroughly read the contract before signing.

Month-to-Month Contract

PayLeap’s standard merchant account contract has a month-to-month service agreement with no cancellation fee and appears to have competitive pricing in comparison to budget-friendly merchant account providers. There are also no PayLeap complaints to be found regarding the company’s rates and fees. Due to this we are awarding the company an “A” rating in this section. If you have more information about PayLeap’s pricing, please share it in the comment section below.

We also encourage readers to check out our list of the providers of the best merchant accounts.

PayLeap Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Item Result
Uses Independent Resellers Yes
Telemarketing Possible
Misleaading Marketing No
Discloses All Important Terms No

Inside/Outside Sales Team

PayLeap appears to primarily market its services in several ways, including online advertising, strategic partnerships, and independent resellers. Although the use of independent resellers would normally lower a company’s score in this section, PayLeap seems to have avoided the typical problems usually associated with the practice. We are currently unable to locate any PayLeap reviews that mention unethical practices by the company’s sales team.

This compares favorably to our list of best credit card processors.

No Tricky Quotes

There is no evidence of deceptive rate quoting in PayLeap’s official materials. The company does list some of its per-transaction fees on its website, but these fees are fixed for all transactions and accurately quoted. If you suspect that PayLeap is sneaking hidden fees into your contract, we recommend seeking a third-party statement audit to eliminate undisclosed charges.

Our PayLeap Review Summary

Our Final Thoughts

Overall, PayLeap scores well as a credit card processing provider due to its very low complaint total and its competitive pricing. It is best suited for specific business types that can make use of its internet PIN debit solution. In general, PayLeap has very few client complaints and offers month-to-month contracts with no early termination fees, which is ideal for most small businesses. Businesses can obtain the best pricing by comparing PayLeap’s contract terms to those offered by top-rated merchant accounts.

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Your Comments & Reviews

How Did PayLeap Treat You?

1 Responses

  • The only thing you can count on is it’s unreliability. They offered utility payments in my city for at least a year now. For the last 4 consecutive months their online payments were down, forcing residents to pay in person. They also do not support autopay. Horrible company.

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