PayLeap Review: Fees, Comparisons, Complaints, & Lawsuits

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A Payment Processor for E-Commerce and More

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 in 2017. As a result, PayLeap is now a First Data 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 merchants to process PIN debit payments over the internet.

PayLeap Location and 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.

PayLeap Review Table of Contents

  • Costs & Contract: PayLeap offers a month-to-month contract with no early termination fee.
  • Complaints & Service: PayLeap complaints number fewer than 10 on public complaints forums.
  • BBB Rating: PayLeap has an “A+” with the Better Business Bureau and has received 0 complaints in the past three years.
  • Sales & Marketing: PayLeap appears to hire independent sales representatives but has not received any complaints related to its sales team.
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PayLeap Reviews and Complaints

Here's What Their Clients Say

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint

Low Complaint Total

As of this review, there is only one recent PayLeap complaint on the usual forums and consumer protection websites. The complaint accuses PayLeap of improperly holding funds, but it seems that the merchant might have had some issues with chargebacks in this case. Our research shows that the vast majority of PayLeap’s merchants 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 complaint 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 merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

PayLeap Customer Service 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, 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.

We have located a single PayLeap customer service phone number:

(877) 472-9532 – Toll-Free Support

PayLeap BBB Rating and Report

Our Better Business Bureau Profile Assessment

BBB Summary

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

 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 either.

An “A” Performance

In light of the company’s clean complaint record, we have adjusted the BBB’s rating to an “A” overall. Merchants should be aware, however, that there are reasons to be skeptical of the BBB’s rating system.

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PayLeap Fees and Rates

A Closer Look at the Contract

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

Cost Summary

Debit Rate
2.39% + $0.29
Credit Rate
2.89% + $0.29
Virtual Terminal Rate
1.89% + $0.29
Monthly Fee
Statement Fee
$10 Per Month
ACH Processing Fee
$14.99 Per Month
Early Termination Fee
PCI Compliance Fee
Equipment Lease Terms

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. Merchants who 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 merchants to check out our list of the providers of the best merchant accounts.

PayLeap Jobs and Employment

Hiring Standards and Ethical Marketing Assessment

Audit Your Current Statement To Find Its Hidden Fees

Processing statements are intentionally complicated so that they can overcharge you. Get clarity before you switch.

Key Points

Employs Independent Resellers
Advertises Deceptive Rates
Discloses All Important Terms

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 complaints 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.

PayLeap Review Summary

Our Final Thoughts and Opinions

A Reliable E-Commerce Payment Option

Overall, PayLeap scores well in our review 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 merchant complaints and offers month-to-month contracts with no early termination fees, which is ideal for most small businesses. Merchants can obtain the best pricing by comparing PayLeap’s contract terms to those offered by top-rated merchant accounts.

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PayLeap Competitors

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Customer & Employee Reviews

What Others Are Saying About PayLeap

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1 Responses

  • Peter Truong

    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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About The Author

Phillip Parker is the creator and author behind this website. He has over 15 years of experience in the credit card processing industry as a journalist, consultant, and former merchant account sales professional. He started this project as a blog to expose merchant services providers that engage in predatory business practices, such as deceptive marketing, misleading pricing, and high-pressure sales tactics. His goal is to help business owners find merchant account providers who serve their industry well while offering fair rates with no junk fees and no long-term commitments.

Phillip has researched over 1,000 payment processors and been quoted in numerous high-profile publications, including the Los Angeles Time, INC Magazine, The Atlantic, and the Miami Herald among others.

Need advice on card acceptance? Schedule a consultation with Phillip.

Phillip’s Top Processor Picks:
Retail, restaurant, e-commerce, mobile, professional services, and invoicing, Phillip recommends Helcim and CDG Commerce.

High-risk businesses, Phillip recommends PaymentCloud and Host Merchant Services.

How Our Ratings Work

Please note that our rating system was overhauled on April 26th, 2023. Reviews dated before this date may not score in accordance with the following.

Star Rating Criteria:

At the start of our research, all processors are awarded five stars. We deduct stars if the processor engages in any of the following:

– One star deduction if the processor has any junk fees.

– One star deduction if the processor does not post its pricing clearly on its website.

– One Star deduction if the processor is suffering from moderate client complaints.

– Multiple Star deductions if a processor is suffering from severe complaints, imposes unjust cancellation fees, markets non-cancellable equipment leases, engages in predatory rate pricing, or may be engaged in illegal activities.

Get all of the details regarding out rating criteria here.

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