PayPartners Overview

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A Possible DBA of National Card Solutions

Based in Portland, Oregon, PayPartners (pay-partners.com) is a merchant account provider that resells First Data contracts. We have received one comment beneath our National Card Solutions review claiming that PayPartners is simply a DBA of National Card Solutions. National Card Solutions is a poorly rated payment processor on CPO with a complicated history.

An Organization With Many Names

National Card Solutions appears to share ownership or be otherwise affiliated with three other credit card processors called Performance Merchant Alliance, United Card Solutions (unitedcardsolutions.com), and Direct Processors (directprocessors.com). All four companies have similar websites and promotional language, and all four appear to be represented by Jeff Easter, an online reputation management specialist.

Prestige Payment Systems Links

Merchant account provider reviews indicate that National Card Solutions is a DBA of Prestige Payment Systems. United Card Solutions and Direct Processors are also other suspected DBAs of Prestige Payment Systems. Based on these potential connections, merchants are advised to inquire about PayPartners’ affiliations and corporate ties.

PayPartners Location and Ownership

PayPartners is headquartered at 1455 Irving St., Suite #200 Portland, Oregon 97209. It does not disclose the identities of its ownership team.

PayPartners Review Table of Contents

  • Costs & Contract: PayPartners offers a three-year contract with an unspecified early termination fee.
  • Complaints & Service: PayPartners has received fewer than 10 public complaints.
  • BBB Rating: PayPartners currently does not have a profile with the Better Business Bureau.
  • Sales & Marketing: PayPartners does not appear to hire independent sales agents and has received just one complaint about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With PayPartners

PayPartners Statement Analyzer

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Products & Services Offered

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce
  • MOTO

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PayPartners Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-In Rate 1.00% - 4.99%
Annual Fee $197
Helpdesk Fee $15/mo
Inactivity Fee $99/mo
PCI Compliance Fee $150/year
Early Termination Fee $250
Equipment Lease Costs $77/mo
Equipment Lease Terms 48-month (locked)

Three-Year Contract

The standard PayPartners contract (available below) is a three-year agreement through First Data with an unspecified monthly minimum fee, an unspecified early termination fee, and a long-term equipment lease through First Data Global Leasing. This is essentially the standard First Data contract, and the specific rates and fees charged will be determined by each sales agent at the time of signup.

PayPartners Pricing

PayPartners does not disclose any of its pricing details, but it is likely that it uses a similar pricing approach to National Card Solutions. National Card Solutions is a DBA of Prestige Payment Systems, so this review will rely on information from Prestige Payment Systems’ pricing structure.

Prestige Payment Systems Rates

Prestige Payment Systems offers three-tiered pricing with rates as high as 3.25% plus $0.09 and a PCI compliance fee of $150 which is billed annually. Merchant reviews mention other fees from these contracts including a $50 annual fee, a $15 monthly “help desk” fee, and a $10 monthly statement fee. Some merchant complaints state that the company’s standard early termination fee is $250.

Beware Equipment Leases

PayPartners appears to lease terminals through First Data Global Leasing, which typically offers 48-month, non-cancellable leases that cost up to $77 per month. As a general rule, we do not advise merchants to enter into contracts that include long-term, non-cancellable equipment leases. This is because most credit card processing equipment can be purchased in full for a one-time cost of under $500, while most equipment leases cost thousands of dollars over four years. Accordingly, we do not consider the company’s contract terms to be even remotely competitive with the cheapest merchant accounts available.

Many Merchant Complaints

The complaints that National Card Solutions and its affiliated businesses have received serve as testaments to the low value provided by its contracts. We have accordingly lowered our grade for PayPartners in this section to a “C.” See the PayPartners North program guide and the PayPartners Wells Fargo program guide.

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Response from PayPartners

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PayPartners Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support No
Most Common Complaint N/A

Low Complaint Total

We are currently able to locate only one negative PayPartners review, and this review does not state that the company is a scam or a ripoff. However, the company’s allegedly related brands have racked up incredibly high complaint counts in public forums. Common complaints center around misrepresentation of rates, nondisclosure of contract terms, exorbitant leasing costs, and poor customer service. Many of the complaints against National Card Solutions refer to a sales agent named Jon Erickson, but it’s unclear whether he has any connection to PayPartners.

PayPartners Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against PayPartners. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

PayPartners Customer Support Options

The PayPartners website offers a complaint resolution email contact form, but it does not provide any live phone support. We therefore do not consider PayPartners to be a top-rated merchant account provider for customer service. We have assigned PayPartners a “C” rating in this section due to the fact that there may be no substantive difference between the service provided by PayPartners and the service provided by its related companies.

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Response from PayPartners

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PayPartners BBB Rating Summary

No Profile Available

The Better Business Bureau does not maintain a profile for PayPartners at this time. We therefore will not factor a BBB rating into this review. It is worth mentioning, however, that National Card Solutions currently has a “D+” rating with the BBB.

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Response from PayPartners

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Truth In Marketing & Advertising

Key Points

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

Heavy on Telemarketing

It appears likely that PayPartners utilizes a similar sales approach to National Card Solutions. National Card Solutions uses telemarketing and an in-house sales team to market its service. The company does not appear to hire independently contracted sales agents, but we have found a low-to-moderate number of National Card Solutions complaints that mention misrepresented fees and undisclosed contract terms. A specific sales agent is named in most of these complaints, but the issue may not be confined to him. The number of these complaints has risen steadily since we first published our review and is above average for a company that is this new to this industry.

Similar to United Card Solutions

United Card Solutions, a Portland, Oregon-based company that appears to be related to National Card Solutions, has received a high number of complaints regarding nondisclosure or misrepresentation by sales agents. It is unclear at this time whether United Card Solutions employs a different sales team or offers different contract terms than National Card Solutions and PayPartners, but the similarities in complaints suggest that the two companies may follow similar sales strategies. If you are concerned that PayPartners is charging you undisclosed fees, we recommend seeking a third-party statement audit.

An Insider Account

According to an email we have received from a former employee, National Card Solutions trains its agents to tell business owners that their equipment lease from First Data is actually a program fee to cover the cost of processing, and that their rates will be 0% for PIN debit transactions and 1% for standard credit card transactions with no interchange on top. These rates are unrealistically low and highly misleading. This informant states that the “program fee” can ultimately cost anywhere from $59 to $399 per month as part of a 48-month, non-cancellable equipment lease. It is possible that PayPartners trains its agents to use this same tactic, so merchants should be wary of any suspiciously low rate quotes.

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Response from PayPartners

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PayPartners Logo

Our Opinion of PayPartners

A Precautionary “C” Rating

PayPartners rates as an average merchant account provider according to our rating criteria. This rating is primarily based on its alleged connection to National Card Solutions. Merchants should not assume that PayPartners will offer better service or lower rates than National Card Solutions, United Card Solutions, Direct Processors, Prestige Payment Systems, National Paymentech, or Performance Merchant Alliance. If it is indeed affiliated with those processors, PayPartners is a candidate to appear on our list of the worst merchant account providers in the industry.

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Why I'm Qualified to Write About Credit Card Processing

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so built this website to help small business owners research which service providers to use and how to save money on rates and fees. I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers here. I can help you save money with your current merchant account or help you find a new one. Message me here to get started.

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1 Review Leave Your Review for PayPartners Below

  1. Under any circumstances, never do business with this company! They are unprofessional! And you can’t trust the word they say! You should lower their grade to F!


    This post will help: Top All-Purpose Merchant Accounts

    -Phillip

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