PayLeap Reviews & Complaints

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In this review of PayLeap, we will provide a detailed overview of the company's payment processing solutions, including credit card processing, point-of-sale systems, and e-commerce services. We will discuss the pricing structure, contract terms, and customer feedback to give you a clear understanding of what PayLeap offers. Additionally, we will examine the transparency of their fees, the quality of their customer support, and the overall satisfaction levels reported by their clients. By the end of this article, you will have a comprehensive understanding of whether PayLeap meets your business's payment processing needs.

About PayLeap

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.

PayLeap Customer Reviews

Here's What Their Clients Say

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

Low Complaint Total

At the time of this review, we’ve only identified one recent negative PayLeap review across typical forums and consumer protection websites. The complaint alleges that PayLeap improperly held funds, though it appears the client may have encountered issues with chargebacks in this instance. Our investigation indicates that the majority of PayLeap’s clients are content with the company’s services, with no glaring issues evident from available complaints. Share your PayLeap review in the comment section below.

PayLeap Lawsuits and Fines

No outstanding class-action lawsuits or FTC complaints have been found against PayLeap. Dissatisfied clients looking for non-litigious solutions against the company should consider reporting their concerns to relevant supervisory organizations.

PayLeap Customer Support Options

PayLeap provides phone support, a customer support form, online chat, and an FAQ section on its website. However, it’s possible that these channels are at least partially managed by First Data (Fiserv), PayLeap’s backend processor. Overall, the company’s support services seem to be on par with those 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
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
Cancellation Penalties No
Monthly & Annual Fees Yes
Processing Rates Variable
Equipment Leasing No

Fixed-Rate Pricing

PayLeap’s pricing structure, as listed on their pricing page, includes transaction fees of 2.39% plus $0.29 for debit transactions and 2.89% plus $0.29 for credit card transactions. Additionally, a monthly service fee of $19.99 is applied. A previously accessible partners page indicated a $10 monthly statement fee. Additional services like gift card payments and ACH/eCheck processing incur a $14.99 monthly fee each. The presence of minimum processing fees or PCI Compliance Fees is not explicitly stated, so businesses are advised to inquire about all potential fees and carefully review the contract terms.

Month-to-Month Contract

PayLeap offers a month-to-month merchant account contract with no cancellation fee, positioning itself competitively among budget-friendly merchant account providers. With an absence of complaints regarding PayLeap’s rates and fees, the company is awarded an “A” rating in this area. Additional insights or experiences with PayLeap’s pricing are welcome in the comments section below.

For further information and comparisons, readers are invited to explore our list of the best merchant accounts.

PayLeap Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
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

PayLeap scores well as a credit card processing provider due to its low complaint volume and competitive pricing. The service is particularly well-suited to specific business types that benefit from its internet PIN debit solution. In general, PayLeap garners very few client complaints and offers month-to-month contracts without early termination fees, a favorable arrangement for most small businesses.

To secure the best pricing, businesses should compare PayLeap’s contract terms with those offered by top-rated merchant accounts. This comparison will help ensure that business owners receive the most suitable rates and terms for their unique processing needs.

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.

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Testimonials & Complaints

How Did PayLeap Treat You?

1 User Reviews

  • 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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