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PayLeap Credit Card Processing 2023: Reviews & Complaints
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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 Authorize.net, 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
|Total Online Complaints||<10|
|Live Customer Support||Yes|
|Most Common Complaint||N/A|
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
- Support form
- Customer service email address at [email protected]
PayLeap Online Ratings
Here's How They Rate Online
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
|Monthly & Annual Fees||Yes|
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.
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?
|Uses Independent Resellers||Yes|
|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.
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