Formerly known as Affinity Payments, PayLeap (payleap.com) 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 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. PayLeap also holds the distinction of being able to process PIN debit payments over the internet. Scott Miller is listed as the CEO of PayLeap.

Key Points

  • Sales & Marketing: PayLeap appears to hire independent sales representatives but has not received any complaints related to its sales team.
  • Costs & Contract: PayLeap offers a month-to-month contract with no early termination fee.
  • Complaints & Service: PayLeap has received fewer than 10 public complaints.
  • BBB Rating: PayLeap has an “A+” rating with the Better Business Bureau and has received zero complaints in the past three years.
  • Rates & Fees: How Merchants Got The Best Rates With PayLeap

PayLeap Products and Services

  • Debit and credit card processing
  • ACH processing
  • Recurring billing
  • Internet PIN debit
  • Online payment gateway and virtual terminal
  • POS equipment


  • Retail
  • Mobile
  • E-commerce
  • MOTO

Sales & Marketing

Key Points - Sales & Marketing

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

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 with strict underwriting and sales policies. There is no evidence of deceptive rate quoting in PayLeap’s official materials, and we are currently unable to locate any complaints that mention unethical practices by the company’s sales team.

PayLeap Marketing Example


Costs & Contract

Key Points - Costs & Contract

Swiped Rate 2.39% + $0.29
Keyed-in Rate 2.89% + $0.29
Early Termination Fee None
PCI Compliance Fee None
Equipment Lease Terms N/A

The PayLeap pricing page lists transaction fees of 1.89% plus $0.29 for PIN Debit transactions, 2.39% plus $0.29 for normal debit transactions, 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.

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 similar services. There are also no merchant 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 leave it in the comment section below.


Complaints & Service

Key Points - Complaints & Service

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

As of this review, PayLeap has only one recent 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. PayLeap offers phone support, 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.



Key Points - BBB

Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

As of this review, PayLeap is not accredited with the Better Business Bureau. The BBB is reporting an “A+” rating for the company with zero complaints filed in the last 36 months. The company has also received a negative informal review through the BBB, although it should be noted that these reviews are not subjected to verification by the BBB. In light of the company’s clean complaint record, we agree with the BBB’s rating.

PayLeap Logo

PayLeap Bottom Line

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, though, PayLeap has very few merchant complaints and offers month-to-month contracts with no early termination fees, which is ideal for most small businesses.

Hi, I’m Phillip and I’m disgusted by the state of credit card processing in the U.S. and abroad. I believe that the industry has been overrun by people who engage in fraud and deception in order to steal money from hard working business owners. I’ve made it my mission to expose the companies and individuals who engage in predatory marketing, pricing, and contracts, or just provide terrible service. Along with uncovering the bad guys, I’ve also discovered the good guys who do stand out from the status quo. CPO is a website where you will find ratings and reviews of these companies along with advice on how to save money and which service providers consider. Together we can move the industry in a positive direction. If you would like to help support my work, please checkout “Fee Sweep” my eGuide to getting the lowest possible fees when accepting card payments. If you haven’t heard of “interchange” this advice will save you hundreds, even thousands, in processing fees.

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