PayPros Review

14 Replies

Credit Card Processors
PayPros Logo
Category Breakdown
Sales & Marketing rated A minus
Costs & Contract rated C plus
Complaints & Service rated A minus
BBB Rating rated A minus

Overall Rating

"B+" Credit Card Processor Rating


Updated 12/23/14: PayPros (DBA Accelerated Payment Technologies) is now OpenEdge, the integrated technologies division of Global Payments. The company’s transition to the OpenEdge brand appears to be ongoing, so merchants may still receive service under the PayPros name or the OpenEdge name. See our OpenEdge review for up-to-date information about this company.

PayPros ( is a merchant account provider that specializes in payment software integration for merchants. The company also operates under the names Payment Processing, Inc., and OpenEdge. PayPros does not appear to advertise its payment processing to the same degree that it promotes its software solutions, but it does offer credit card processing in addition to payment technology. Launched in 1995, PayPros claims to provide services and technology to more than 55,000 merchants. Payment Processing, Inc. is a registered ISO/MSP of Wells Fargo Bank, N.A. in Walnut Creek, California; HSBC Bank USA, National Association in Buffalo, New York; and National Bank of Canada in Montreal, Quebec. The company is located at 8200 Central Ave, Newark, California 94560-3448. Chuck Smith is listed as the founder and CEO of PayPros.

PayPros Products and Services Industries Served
  • Debit and credit card processing
  • Virtual terminal
  • API integration
  • Sales reporting
  • Recurring billing
  • Gift and loyalty programs
  • Retail
  • Mobile
  • E-commerce
  • B2B
  • Legal
  • Veterinary

Related: Find The Best Processor For Your Business Type

Sales & Marketing | A-

Key Points – Sales & Marketing
Uses independent resellers? Yes
Promotes deceptive rate quotes? No
Discloses all important terms? No

PayPros appears to hire independently contracted sales agents to market its services. Generally speaking, this practice usually generates merchant complaints as a result of poor agent training and supervision. In this case, we have found a handful of negative PayPros reviews that accuse the company’s sales team of rate misrepresentation and nondisclosure of fees. To its credit, PayPros does not appear to engage in any deceptive advertising in its official materials. We will therefore assign the company an “A-” rating in this category.

PayPros Marketing Example

Related: Find The Best Providers By Processor Type

Costs & Contract | C+

Key Points – Costs & Contract Terms
Swiped rate: Variable
Keyed-in rate: Variable
Termination fee: $300
PCI compliance fee: Variable
Equipment lease: Variable

The PayPros Program Guide (available below) outlines a three-year agreement through First Data with a $300 early termination fee and a variable monthly minimum fee. Some complaints filed against the company describe higher-than-expected costs, so merchants should be sure to research any and all potential charges they may encounter. We have also found two complaints that mention frozen accounts or holds placed on payments. This indicates that the company’s cash reserve and fraud prevention policies could possibly benefit from additional explanation upon account setup. Without knowing the specifics of these policies, though, we are inclined to regard these complaints as outliers. If you have any knowledge of the standard PayPros contract, please leave that information in the comment section of this review.

See the PayPros Program Guide

Related: Best Processors For Quickbooks Integration

Complaints & Service | A-

Key Points – Complaints & Service
Total complaints: <10
Live customer support: Yes
Most common complaint: N/A

We are currently able to locate only a handful of PayPros complaints outside of the BBB, none of which accuse the company of being a ripoff or a scam. These complainants cite frozen funds, unexpected fees, and rude or unhelpful customer service as their main issues. Overall, there does not appear to be a concrete trend of deceptive practices or poor customer service by the company, and these complaints may simply be the results of run-ins with bad sales agents or confusion about fraud prevention policies. For a company that has existed since 1994, this is a very low complaint volume. The PayPros website lists dedicated support numbers and provides a contact form.

Related: Best iPad & Tablet Point of Sale Services

BBB Report | A-*

Key Points – BBB Report
Product/service: 7
Billing/collection: 5
Advertising/sales: 1
Guarantee/warranty: 0
Delivery: 0

PayPros has been an accredited business with the Better Business Bureau since 1996. As of this review, the company has an “A+” rating with the BBB and has had 13 complaints filed against it in the last 36 months. Of the total complaints, five were filed in regards to billing or collections issues, seven stemmed from problems with PayPros’ products or services, and one was an advertising or sales issue. Ten of these complaints were successfully resolved, while three customers reported being dissatisfied with the company’s response. In light of this information, we have slightly adjusted the BBB‘s rating to an “A-.”

* Denotes CPO-adjusted BBB score

Related: Best Processors For E-Commerce

Bottom Line

PayPros Review

Rated 3.7 out of 5 Stars
Reviewed by Phillip Parker
Reviewed on 2016-03-17

PayPros rates as a reliable merchant account provider according to our criteria. The company is showing very few complaints for its size and time in business, but its contract terms appear to be fairly average for the industry. Even when dealing with a highly rated merchant services provider, merchants are encouraged to strongly negotiate all contract terms.

This review was originally published on 2/12/13 and was last updated on 3/17/16.

Leave your review of PayPros in the comment section below:


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    I’ve tried to cancel the service with this company via phone, email, fax, carrier pigeon and any other means I can think of. They still are taking merchant fees out of our accounts. Does anyone have any legitimate contact information with anyone at this company? I so frustrated I could scream.

    Are you with PayPros? Learn how to resolve this complaint.

  2. Emily

    I am a small business, beyond frustrated by all the added fees slammed in my statement since the OpenEdge merger and the patronizing runaround I get every time I call in–customer service, or tech support..

    First, a new $40 minimum monthly fee (which minimum does not include the growing list of random monthly fees) set at $40/month, which combined with all the other nontransaction monthly fees adds up to a base minimum of $76/year–aka, $900/year before ANY transaction fees are incurred. Steep compared to pre-OpenEdge where fees were minimal in off-season moths.

    And now, $29/mo plus $95/year for “PCI noncompliance” on my PCI-compliant merchant website run by Volusion. All calls to tech support and customer service results in total runaround. No employee understands PCI….. The scam is they are not seeking PCI compliance, they’re running a PCI profit center–a $95/yr additional fee to manage and train you to ‘become’ PCI-compliant – even if you are already. Should be sued for unethical practices.

    For a thinking person, extreme frustration is inevitable.

    Are you with OpenEdge? Learn how to resolve this complaint.

  3. Dawn

    I am so glad to see these reviews because I was starting to think this was just happening to me. We started out so good with Pay Pros, and then once Open Edge took over, it has been nothing but problems. They started hitting us with Non-Compliance fees at $18 and $29 per month, but our signed contract clearly states that we do not pay for those fees. It has a big zero listed in the amount for Non-Compliance fees on the contract.
    And customer service? What a joke they are. If you are lucky to get someone to answer your call, nine out of ten times, they have no idea what they are doing and have no idea how to help you. I really like my service rep when we first started with Pay Pros and now he has become non-existent. He does not return calls and he is impossible to get in touch with. I think it is time to look elsewhere for us.
    Please do yourself a favor and stay away from this company. Very unprofessional and some of the worst service you will receive.

    Are you with OpenEdge? Learn how to resolve this complaint.

  4. Doug T

    I have been with them for 3 years and until they merge with Openedge everything went downhill. Right now, their business practice is unethical. We signed a contract with them clearly stating interchange rate + .15% and 4 cents per transaction. We got a sticker shock when we receive our state and the rate went up to .50% and 34 cents per transaction. I called the company and asked to talk to the supervisor. He said that since merging with openedge they have to increase the rate to cover the cost of business. Going from .15 to .50 and 4 cents to 34 cents is outrageous. I told him that the company is ripping off the consumers. He said that the company did notice it in the statement 2 months ago. I told him thats not what is on the contract. He said the contract is subject to change. If that is the case, what is the point of signing the contract. I asked for the refund and they said they can not refund and sent me to another sales rep to reduce the rate. This is a shady business practice. I wonder how I can take them to a small claim court to get the money back. Stay away from this company at all cost. Greedy management.

    1. Jim Boness

      I believe that you can cancel your contract if you do not agree to accept the increase in rates. The rate is part of the contract and it is a material term of the contract so if they want to raise the rates, you have to notify them that you do not accept the terms. They can either keep your rates at the same as they were before or they have to let you out of the contract.

  5. Jason Creel

    Salesperson did not disclose fees. I signed up due to a cheaper processing fee. I was charged a $18 fee for not filling out a form that I did not know I was supposed to fill out. I have been using another credit card process built into my software so I have decided to cancel and was hit with a $300 early termination fee which also is in fine print but was certainly not disclosed by the salesperson. I am paying the $300 and moving on. I will make others aware of this fee that they seem unwilling to let people know about themselves. Very disappointed. If I don’t cancel then there is a $95 per year fee for 3 years so they have me either way.

  6. Rhonda Powell

    This company showed rigid rules about helping us during a time when we experienced fraud. I sent proven documentation that the couple stayed here with photos, phone call receipts, etc. We were ripped off and it’s obvious. The money was returned to our account, only to be charged back once again today. We’ve been told that the couple who pulled this stunt has a right to refute the charges up to 5 times and Open Edge refuse to help us, saying that unfortunately there is nothing they can do. Well, there’s something I can do…take my business elsewhere!

  7. Jason buchanan

    paypros, now openedge, is a scam as they hide a fee call non-pci compliance for $18.00 per month refusing to remove it until they mysteriously find your compliance with trustwave. Nicke and dime their customers. Terrible and rude customer service.

  8. Terrance

    Hi, I want to mention to the businesses whom is currently doing business with Paypros or researching an about to choose a merchant company for there business.

    I choose Paypros because of they offer to me. Things where going quite well until months later we start getting large monthly fees being drafted out of our account which we are setup on an account not to ever encounter monthly fees ever. The first fee was $40.00. I called and asked them what this fee was in reference to, and they stated a letter was mailed out with the monthly statements of all clients to complete a business confirmation form that was needed. This form was needing completed, if not, they will start charging $40.00 towards your account each month, and this is a government regulatory form that must be done. At this point, I told them we didn’t get it which we didn’t an I’m requesting a refund, an she(rep) stated that wasn’t going to happen so I immediately requested for my account to cancelled. Note: (We have two other merchant accounts and neither one of them ever heard of this). I completed the form she sent immediately to cancel my account and returned it, got a confirmation email stating my request was granted. One month later looking at our account, we now have a fee of $113.00 pending stating merchant fee. We stopped using this account so there shouldn’t be any fees being billed to us. I called and got technical support and they see everything I mentioned but had to forward this issue to customer service which was not open.

    Beware of things occurring like this from this company and if you choose to use them or any other Merchant, pay close attention to your fees being charge to you each month.

    Have a good day!

  9. Charles

    STAY AWAY!!! You have been warned. We are experiencing an absolute train wreck of a launch with PayPros. Our company has unable to process orders for several days due to outright incompetence at both technical support and customer service levels with PayPros. We are losing money as I write this. I thought I had seen the worst in dealing with companies like AT&T and Comcast but this company is a nightmare. Our account manager is a complete idiot. The technical support team cannot make the simplest of changes without screwing something up. I wish I could share the email threads and conversations from the last few days as it would make your jaw drop at their stupidity. I am sure they will try to raise our rates and fees once we have completed the cut-over. I wish we had stayed with our previous card processor.

    1. steven

      I’m about to cancel them once I have the new processor setup. Did you email the request in and follow up to make sure they are canceling the account? Did you get them to stop charging you? Any information would help. I’m trying to avoid any charges from them.

      Thank you in advance.

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