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Is PayNetSecure The Best High-Risk Merchant Account Provider?

Name: PayNetSecure
Item: PayNetSecure
Rating: 5
Author: Phillip Parker

Author: Phillip Parker

Updated: September 22, 2025

Maintained Since: October 28, 2015

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We take our role in providing guidance and education regarding the card payment industry very seriously. At our own expense, we have vigorously defended our right to continue expose unethical and predatory practices in the industry, successfully defeating every attempt to silence us. However, fending off frivolous lawsuits is costly. To sustain these efforts, one of the ways we generate revenue is through affiliate partnerships with ethical providers. This means that some of our outgoing links connect business owners to trustworthy, low-cost payment processors, which is what most of our readers seek. We see this revenue channel as a win-win-win for everyone involved. Business owners find good processors, processors get good clients, and we are able to continue to provide a valuable service to the small business community. We also recommend and link to many services that do not compensate us. Our priority is to guide you to the best solutions for your needs, regardless of potential revenue. If you have questions, please feel free to contact us.

All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.

PayNetSecure

Rating

5/5

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Pros

Specializes in high-risk

Global payment solutions

Advanced fraud prevention

Multi-currency processing

Quick account approvals

Cons

Undisclosed pricing details

Possible hidden fees

Potential rolling reserves

No BBB accreditation

Limited online reviews

Overview

In this review of PayNetSecure, we look closely at a payment processor focused on high-risk and global e-commerce businesses. We examine their service offerings, including credit and debit card processing, ACH transfers, virtual terminals, fraud prevention, and multi-currency support. The review also explores pricing, contract terms, and merchant feedback highlighting concerns over undisclosed fees, potential rolling reserves, and how clearly terms are communicated. By the end, you’ll have a clear understanding of what to expect from PayNetSecure, including its strengths and where businesses should tread carefully.

About PayNetSecure

PayNetSecure high-risk merchant services — **PayNetSecure focuses on offering processing to high-risk industries like those above**

Based in Las Vegas, Nevada, PayNetSecure is a merchant account provider that specializes in serving domestic and offshore high-risk e-commerce business types. The company shared an address at one point with another company called NationalACH, and it appears that both PayNetSecure and NationalACH may be related to a third company called Best Solutions Source. PayNetSecure does not list a backend processor or acquiring bank on its website, but the fact that the company specializes in high-risk and offshore merchants means that it is probably partnered with multiple banks.

Products & Merchant Services

Payment Processing

PayNetSecure processes a wide range of major debit and credit cards, with a particular focus on high-risk and high-volume businesses. The company serves merchants in industries such as adult entertainment, foreign exchange, CBD, diet/weight loss, and Bitcoin. Their services include mobile solutions, e-commerce solutions, virtual terminals, access to payment gateways, MOTO (Mail Order/Telephone Order) processing, support for 160 currencies, fraud protection, PCI compliance, recurring payments, ACH processing, QuickBooks integration, and chargeback management. However, the company does not list in-person payment options like POS systems or terminals on its website.

High-Risk Merchant Account Services

PayNetSecure provides payment processing solutions tailored for high-risk merchants. This service is designed to help businesses in high-risk industries manage their payment processing needs effectively, addressing issues such as high chargeback rates.

Domestic and International Processing

The company offers payment processing services both domestically and internationally, supported by a broad network of banking relationships.

Secure Payment Gateway

PayNetSecure uses a Level 1 PCI-DSS compliant payment gateway to secure transaction handling. This compliance is for safeguarding sensitive payment information.

High Volume Processing

PayNetSecure’s solutions cater to businesses with high transaction volumes, ensuring efficient handling of large numbers of transactions.

ACH and E-checks Processing

The company offers ACH and eChecks processing services, which can enhance sales by providing an alternative to traditional credit and debit card transactions. This service supports electronic money transfers between banks.

Global eCommerce Solutions

PayNetSecure provides global eCommerce solutions to help merchants expand their customer base internationally. This service supports payments in multiple currencies, making it easier for businesses to enter international markets.

Ecommerce Integration

The service includes eCommerce integration, allowing merchants to quickly set up online sales with comprehensive APIs.

Virtual Terminals

PayNetSecure offers virtual terminals for secure processing of Mail Order/Telephone Order (MOTO) transactions.

Fraud and Chargeback Protection

The company employs advanced fraud detection tools and chargeback management systems to protect merchants. These systems help in approving legitimate orders while rejecting potentially fraudulent ones.

Cloud Reporting

Merchants can access cloud reporting features for easy management of multiple accounts and transaction data. This centralized dashboard provides comprehensive insights and control over payment activities.

Multi-currency Processing

PayNetSecure supports multi-currency processing, enabling merchants to accept payments in 154 different currencies. This feature facilitates international sales by accommodating various currencies.

Customer Reviews & Sentiment

Clean Complaint Record

At present, we cannot find any negative PayNetSecure reviews, suggesting that the company maintains a favorable reputation and is not associated with any scam or ripoff activities. This is particularly noteworthy considering that high-risk credit card processors often receive more complaints due to the volatile nature of their merchant pool. PayNetSecure’s clean record in this regard is commendable within its industry. While some complaints may inadvertently target PayNetSecure’s partner banks, there is no substantiated evidence to support such occurrences. If you have your own PayNetSecure review to contribute, we encourage you to share it in the comments below.

PayNetSecure Lawsuits

As of now, we have not encountered any class-action lawsuits or FTC complaints against PayNetSecure. Customers dissatisfied with the company’s services and seeking alternative recourse are advised to consider reporting their concerns to relevant supervisory organizations.

Industry Scores & User Ratings

Online Ratings Summary
PaymentPop	5
BBB Rating	N/A
Google Maps	5
Average Rating	5

PaymentPop Rating for PayNetSecure

Negative Feedback

There are no negative reviews published about PayNetSecure on the PaymentPop website.

Positive Feedback

PayNetSecure got us up and running when other processors wouldn’t even take our application. The approval process took some time, but their team kept us in the loop. Since then, transactions have been consistent, and the reporting tools do what we need without being overly complicated.

No BBB Profile

The Better Business Bureau does not maintain a profile for PayNetSecure at this time. NationalACH, which previously shared an address with PayNetSecure, has an “A+” through the BBB with 0 total complaints. This profile does not appear to cover PayNetSecure, so we will not factor a BBB rating into this review for the time being.

Google Maps Rating for PayNetSecure

PayNetSecure has a 5 out of 5 star rating based on 20 user reviews on Google Maps.

Positive Feedback

A great merchant provider! Great rates, great service. Anytime I’ve called with an issue it was promptly resolved!

We have been using PayHub for over a decade and are beyond happy with their services!

Negative Feedback

There are no negative reviews published about PayNetSecure on Google Maps.

Processing Rates & Fees

PayNetSecure specializes in high-risk merchant accounts, offering services such as credit card processing, ACH processing, and high-risk payment solutions. They cater to industries like adult entertainment, CBD, and telemedicine. U.S.-based high-risk clients pay per-transaction fees between 2.45% + $0.25 and 4.5% + $0.30, along with monthly fees ranging from $10 to $20. Offshore high-risk clients are quoted per-transaction fees from 3.5% to 6.95% + $0.65, with monthly fees between $50 and $150. International e-commerce businesses see fees ranging between 2.95% and 4.95% + $0.45, with monthly charges of up to $50. The company doesn’t publicly disclose all fees, including early termination and PCI compliance, indicating these vary per agreement. High-risk accounts are also required to maintain a rolling reserve of 5% to 10% to mitigate chargeback risks.

Although customer reviews are scarce and the company lacks a Better Business Bureau profile, the absence of significant complaints or allegations suggests generally positive reception. PayNetSecure appears to be a legitimate option for high-risk businesses needing specialized payment processing solutions. With its competitive rates and specialized services, it offers a viable solution for clients who understand the implications of their contracts. However, as with any provider, businesses should compare PayNetSecure’s pricing with that of other high-risk merchant account providers to find the most suitable option.

Employee Reviews & Sales Practices

Independent Resellers

PayNetSecure appears to utilize a combination of independent sales offices and referral partnerships to market its services. The use of independent resellers is usually linked to high complaint totals because these types of sales offices tend to receive less training and oversight than in-house sales teams. In this case, however, we have not found any PayNetSecure reviews that mention deceptive tactics by the company’s sales team.

A Rate Chart Guideline

The PayNetSecure website includes a “Rates” page that provides general price ranges to help clients assess their potential costs through the company. The page lists ranges of rates and fees rather than the lowest possible “teaser” quotes. It therefore appears that PayNetSecure’s rate quotes are genuinely intended to help business owners anticipate their potential costs rather than to mislead them. However, readers should not assume that the costs shown in this table are all-inclusive. If you suspect that PayNetSecure is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden charges.

PayNetSecure payment processing rates — The rates chart for PayNetSecure

PayNetSecure Competitors

Compare PayNetSecure to competitors that earned top marks.

Pricing

Bottom Line

PayNetSecure rates as a reliable credit card processing provider according to our rating criteria. The company is not showing any public complaints at this time, and the contract terms that it discloses are competitive for high-risk merchant types. Our rating may be subject to change once the company receives more public feedback or establishes a profile with the BBB.

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About Us

CardPaymentOptions.com

Established 2009

My name is Phillip Parker, and I started this website back in 2009 as a simple blog to call out shady credit card processors that were taking advantage of small business owners. At the time, I had no idea this side project would grow into a leading voice pushing for transparency and integrity in the payment processing industry. I also didn't anticipate just how far some of these companies' owners would go to try to silence me.

I was recruited out of college for a sales role with a credit card processor. At the time, I didn't realize the “training” was really about tricking me... into selling business owners expensive processing with hidden fees and long-term service agreements. In my first few sales, I unknowingly cost friends and family thousands of dollars after they trusted me to switch their services. When it finally clicked that something was seriously wrong, I was furious. I quit immediately and made a promise to expose that company and any others operating the same way. That promise is what led to the creation of this website.

As I wrote about these processors, their tactics, and the people behind them, the articles started to spread among business owners. News organizations picked up the stories, readers shared them online, and traffic to the blog took off. Unsurprisingly, that also caught the attention of the companies and individuals I was exposing.

Over the last 17 years, I've received several anonymous death threats and defeated four lawsuits meant to intimidate me into taking my blog down. Their efforts to muzzle me only made my determination to expose them even stronger, leading me to work with state authorities to help shutdown some of the worst offenders.

I'm proud to say that of the millions of people who have read my work, thousands have taken the time to write and thank me for helping them narrowly avoid a very costly mistake. This blog has played a small role in pushing the industry toward more ethical practices - but there are still bad actors out there, which means the work isn't done.

If I can offer one piece of advice, it's this: get every promise in writing, and take the time to review contracts carefully. Tools like ChatGPT can help surface red flags and uncover expensive surprises buried in the fine print.

If you've made it this far, thank you for reading. I truly appreciate you being here, and I wish you every success with your business.

Our Research Methodology

Pricing & Fees

We analyze all costs including rate structures (interchange-plus, tiered, flat-rate, etc), monthly fees, equipment costs, early termination fees, and hidden charges. This data is gathered from service agreements, statements and client feedback.

Features & Technology

Evaluation of POS systems, e-commerce integrations, mobile capabilities, reporting tools, recurring billing..., and developer resources. When possible, we directly test services and hardware. Otherwise, we rely on client feedback and public information.

Customer Support

We evaluate availability across phone, email, chat, and social channels. Measuring hold times, night and weekend availability, and client feedback regarding effectiveness, professionalism, and resolution rates.

Contract Terms & Conditions

We review service agreements and equipment contracts for reasonability, transparency, and fairness. We focus on uncovering any predatory clauses, such as unjustified early termination fees, hidden costs, and unclear cancellation policies.

User Experience

We comb the internet and interview current and former clients to evaluate the overall user experience and identify any common pain points that may impact the user experience.

Sales & Marketing Practices

We evaluate sales tactics, marketing materials, and client feedback to determine the level of transparency and ethical nature of the provider's approach. Does the provider publicly disclose pricing? Do they use teaser rates? We score based on these and other factors.

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