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 (paypros.com) 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
- Debit and credit card processing
- Virtual terminal
- API integration
- Sales reporting
- Recurring billing
- Gift and loyalty programs
Sales & Marketing
Key Points - Sales & Marketing
|Employs Independent Resellers||Yes|
|Advertises Deceptive Rates||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
Costs & Contract
Key Points - Costs & Contract
|Early Termination Fee||$300|
|PCI Compliance Fee||Variable|
|Equipment Lease Terms||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.
Complaints & Service
Key Points - Complaints & Service
|Total Online 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.
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Key Points - BBB
|Product & Service Complaints||7|
|Billing & Collection Complaints||5|
|Advertising & Sales Complaints||1|
|Guarantee & Warranty Complaints||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.
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-.”
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About Phillip Parker
Phillip Parker is a former merchant services agent turned small business advocate and the author of "Fee Sweep," which teaches merchants how to dramatically lower their processing rates, eliminate junk fees, and avoid fine-print scams. He founded CardPaymentOptions.com to help merchants enact positive change in the credit card processing industry. Schedule a Consultation with PhillipSchedule a Consultation with Phillip
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