PayProTec Credit Card Processing 2023: Reviews & Complaints

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Company Overview

PayProTec, formerly registered as Payment Processing Technologies, LLC, is a small but growing merchant account provider that serves over 10,000 merchants across a wide range of industries. PayProTec appears to resell the services of or is otherwise affiliated with North American Bancard.

Credit Card Processing

PayProTec provides businesses with the ability to accept credit and debit card payments both in-store and online. They offer a variety of processing solutions, including point-of-sale (POS) systems, virtual terminals, and mobile processing.

Payment Gateway

PayProTec’s payment gateway allows businesses to securely process credit and debit card transactions online. The gateway is compatible with a variety of e-commerce platforms and shopping carts.

EMV Compliance

PayProTec helps businesses ensure they are EMV compliant by providing them with the latest chip-enabled terminals and educating them on best practices for card acceptance.

Gift and Loyalty Card Programs

PayProTec offers customizable gift and loyalty card programs to help businesses attract and retain customers.

Check Processing

PayProTec provides businesses with the ability to process checks electronically, which can save time and reduce the risk of fraud.

Mobile Payment Processing

PayProTec’s mobile payment processing solutions allow businesses to accept payments on-the-go using smartphones or tablets.

Merchant Cash Advance

PayProTec offers merchant cash advances, which provide businesses with funding based on their future credit card sales.

PayProTec Point of Sale

In addition to merchant accounts, the company offers a multitude of POS solutions through Paradise POS, HotSauce, Growthzilla, Linga POS, NCR Silver, Revel Systems, and Vend. Each of the company’s POS partnerships specializes in different industries ranging from hospitality to retail. The company also provides e-commerce solutions through Magento, Shopify, OpenCart, and WooCommerce, among others.

Not Affiliated With PayProtec Oregon

There appears to be some confusion between PayProTec, a Warsaw, Indiana-based company, and a formerly affiliated company of Securus Payments that went by the name PayProtec. The latter company was based in Portland, Oregon, and, as far as we can ascertain, was unrelated to PayProTec of Indiana.

Location & Ownership

PayProTec is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA; The Bancorp Bank, Philadelphia, PA; and BMO Harris N.A., Chicago, IL. Established in 2006, the company is headquartered in Warsaw, Indiana, at 929 E. Center Street and Matt Hoskins is the president and CEO of PayProTec.

Table of Contents

  • Costs & Contract: Appears to offer a multi-year contract through North American Bancard with…
  • Complaints & Service: Complaints number at least 10 on…
  • BBB Rating: Has an “A+” rating and has received 2 complaints and 2 reviews in the past 3 years. The company has been…
  • Sales & Marketing: Appears to hire independent sales agents but has received only…

PayProTec Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Item Result
Total Online Complaints 10+
Live Customer Support Yes
Most Common Complaint N/A
Recent Lawsuits No

Low Complaint Total

We have located approximately 30 PayProTec reviews across various consumer protection websites, some of which accuse the company of being a ripoff or scam. We have done our best to exclude complaints filed against PayProTec Oregon, but it is possible that some merchants have posted negative reviews on the wrong profile. PayProTec’s low complaint rate is a positive sign for the company, but its affiliation with North American Bancard suggests that some PayProTec reviews could instead be funneled to North American Bancard’s online profiles. The available complaints cite a variety of seemingly isolated incidents with no clear theme (“I was told that I would be reinbursted for the early termination fee from my previous processor,” “Early termination fee, minimum of $295, and it takes 30 days to cancel, so I have an extra month of fees.”). If you have your own PayProTec review to make, please do so in the comments below.

PayProTec Lawsuits and Fines

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

PayProTec Customer Support Options

The PayProTec website provides live chat support and a small knowledge base, but it does not offer phone or email customer support.

PayProTec Customer Service Number

  • (800) 360-2591 – Toll-Free Customer Support

Other Support Options

  • Customer support chatbot

This falls short of our expectations of the top-rated merchant account providers for great customer service, and it may be a dealbreaker for merchants who require more immediate contact information.

PayProTec Online Ratings

Here's How They Rate Online

Online Ratings Summary
Item Result
BBB Rating 1
PayProTec Rating 3.7
ComplaintsBoard Rating N/A
Average Rating 2.35

BBB Rating Analysis

PayProTec has an average customer review rating of 1/5 stars on the Better Business Bureau (BBB) website, based on 7 customer reviews. Additionally, there are 10 customer complaints closed in the last 3 years, with 9 complaints closed in the last 12 months. Common themes in the reviews and complaints include allegations of misleading sales tactics, poor customer service, and issues with contract terms and fees.

Negative Feedback

I was called by someone who said they represented a current processing company that we used and they could save us money with a new agreement. In addition, they said our credit card terminal was out of compliance. After signing with them it was realized they were with PayProtech and not the other processing company. I was harassed with phone calls on my cell phone and work phone regarding my boss having to sign papers. He wasn’t available and they wouldn’t leave me alone. When he finally signed the agreement they withheld money for the 1st month processing. We had only had the machine 2 days. I stopped payment to them and they have since been holding all of our transactions since 10/1/23. I was misled, lied to, and treated poorly. All I want is to be done with PayProtech. I want out of their contract with no early termination fee and out of the (4) year ***** equipment contract. ***** said the PayProtech can do this since they use it as a package deal. This is a lousy company to deal with.
– Complaint from October 16, 2023

– Review from August 15, 2023

Positive Feedback

There are no positive reviews published about PayProTec on the Better Business Bureau website.

Source: Better Business Bureau

Trustpilot Rating Analysis

PayProTec has an average customer review rating of 3.7 stars on Trustpilot based on 1 customer review. The sole review available is positive, highlighting great service and low rates.

Negative Feedback

There are no negative reviews published about PayProTec on the Trustpilot website.

Positive Feedback

Great service and low rates. – Review from August 29, 2021

Source: Trustpilot

ComplaintsBoard Rating Analysis

PayProTec has received numerous complaints on ComplaintsBoard, with common issues including hidden fees, poor customer service, and difficulty cancelling services. Many customers reported unexpected charges and difficulty in contacting customer support. The company’s lack of transparency regarding fees and contract terms is a recurring theme. Overall, PayProTec has a poor reputation among consumers.

Negative Feedback

I’ve been getting charged by my bank for a credit card service that I canceled back in July. It’s been 19 months of charges and I’m not happy about it. I sent back the credit card machines like they told me to, but I still got charged. I found out that North American Bank was doing the charging and now I know that PayProTec is part of that company. I’ve been calling customer service and getting the runaround. I called a bunch of times on Feb 27, 2020 and I still haven’t gotten my $700 back. They need to reimburse me for the money they wrongly billed me.
– Complaint from L. Schmidt

I got a call from someone named *** on 8/6/2022. She said she worked for our credit card company and we were overcharged for a month because of compliance forms. Then, a guy named *** called and said he worked for the same company. He said the call was recorded and we could get a refund for the overcharges. He also said our terminal was outdated and not compliant with pci, which is why we were overcharged. I thought we were dealing with our credit card company, so I tried to become pci compliant. But it was all a lie, and now they’re threatening us with a $1000 termination fee that wasn’t in the contract. I just want to return the terminal and close the account without a fee. This company uses shady tactics.
– Complaint from I. Streich

Positive Feedback

There are no positive reviews published about PayProTec on the ComplaintsBoard website.

Source: ComplaintsBoard

PayProTec Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Item Result
Cancellation Penalties Yes
Monthly & Annual Fees Yes
Processing Rates Variable
Equipment Leases Yes

Multi-Year Contract

The standard PayProTec contract offered through First Data (Fiserv) lists a $95 setup fee, a $79 annual fee, a $25 monthly minimum fee, a $10 monthly basic service fee, and a tiered pricing schedule. It is unclear how long the standard term length is for a PayProTec contract, but we have seen merchant complaints describing a long-term agreement with a $900 cancellation fee. This agreement also includes a mention of North American Bancard in very small print, which all but confirms an association between the two companies.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, PayProTec also dedicates a portion of its website that advertises its virtual terminal and payment gateway services. PayProTec rates for e-commerce transactions will vary depending on the merchant but each will be assessed a transaction of fee between 1.00% – 4.99% plus $0.10. According to the company’s contract, a monthly gateway fee of $20 is also charged to merchants. Additional PayProTec fees including technical support fees and batch fees may apply to these e-commerce services.

Equipment Lease Complaints

We have found one PayProTec complaint that names Northern Leasing Systems as PayProTec’s equipment lease provider, but the payment processor’s response to this complaint indicated that a company named Mazuma (which may be affiliated with the Oregon-based PayProtec) actually established this account. It is unclear whether PayProTec of Indiana has an equipment leasing partnership with Northern Leasing. Regardless, merchants are encouraged to purchase equipment for a fair market rate whenever possible rather than lease it. Overall, PayProTec contract terms are close to credit card processing industry averages, and we have therefore scored them as such. We also encourage merchants to check out our list of the providers of the best merchant accounts.

PayProTec Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Item Result
Uses Independent Resellers Yes
Telemarketing Yes
Misleading Marketing Yes
Discloses All Important Terms No

Outside Sales Team

According to a post from a PayProTec representative in the comment section of this review, PayProTec employs independent sales agents to market its services. This is a common practice within the industry that often results in an untrained and unregulated sales force, and, as a result, more complaints. Although some independent sales agents may be completely transparent about contract terms, it is our policy to hold the parent company responsible for the behavior of all of its agents. We have found a few negative PayProTec reviews about its sales team, and there does not appear to be a systemic issue with misrepresented rates and fees at the company. This compares favorably to our list of best credit card processors.

EPX EDGE Cash Discount Program

PayProTec has recently launched a cash discount pricing plan called “EPX EDGE” that enables businesses to assess a surcharge to customers who pay with a credit or debit card in order to offset the merchant’s processing fees. This plan has generated a few complaints from merchants who appear to be confused about how it works. We have seen no evidence that PayProTec misrepresents the way that its cash discount program works, but business owners are advised to make sure they understand the nuances of cash discounts and surcharges before signing up.

PayProTec Rate Quotes

At the time of a previous update, the PayProTec website included a “Rates” page that detailed the card present and keyed transaction rates offered by the company. Unfortunately, this page only displayed the “Qualified” rates and failed to mention the “Mid-Qualified” and “Non-Qualified” rates that merchants will pay for the majority of their transactions. We consider this type of rate quoting to be deceptive since it might give clients an unrealistic expectation of the rates they’ll pay under a PayProTec contract. The removal of this page has improved the company’s rating to an “A” in this section, but business owners should still ensure that they are receiving a full rate schedule when dealing with this company.

Our PayProTec Review Summary

Our Final Thoughts

PayProTec rates as an above-average credit card processing provider according to our rating standards. The company can improve its rating by offering more flexible contract terms and revising its hiring practices to ensure greater control over its agents. As always, business owners are encouraged to thoroughly compare the conditions of any contract they sign to those offered by top-rated merchant services providers.

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Your Comments & Reviews

How Did PayProTec Treat You?

37 Responses

  • Randy Thompson

    winners circle trophy shop


  • This company has been difficult to deal with since we started 1.5 months ago. Charges are increasing on a regular basis. We are trying to cancel but it has been impossible! Do not go with them! The worst part is the sales dept that refers them – ” Merchant Services” but the email address is “Theadaragroup” Absolutely horrible, and will say anything to get a sale.

  • Jay

    Air Medic

    Signed up with them last May 2022. I told the sales rep I am a service company and I am busier in the summer months and slow in the winter months. I told her I may have no credit card sales for months at a time and then a lot of sales. She never mentioned anything about a minimum sales or additional charges will be added. She told me the A920 machine is free. 2% of all sales and 24.95 per month for the service and an additional 9.95 for the internet portal of the A920. That’s it. 35.00 per month. Well after 3 months my credit sales got lower because I am in my slow months and looking at my statements I noticed I am paying 63.95 per month and a rate of 2.80%. Last month I had 1 sale at $435.00. They took out $73.92 in fees from that one sale. I also mentioned to the sales rep that on the contract it says 3 years minimum. I told her I cannot sign up for 3 years. She replied and said DON’T WORRY that doesn’t pertain to you. You have a Tier1 Month to Month cancel anytime contract. So I told her to change it and she again said DON’T WORRY. Well I went to cancel my agreement because this sales person lied to me, Never explained anything in detail just to get a sale and the cancellation department said $795.00 early termination fee. I again said your sales person is a liar and she should pay for this not me I can’t. She said she was going to go back and listen to the phone conversations between me and the sales person. I told her she will not here anything about minimum fees and additional charges if you don’t do enough business. She never mentioned it to me. If she comes back and tells me that the sales rep did explain this then I want to hear that conversation…Rip off company…They are rude. They hang up on you and never get back to you as soon as you have a issue. Please help!

  • Cyndi

    Parke Bridge Motel

    DO NOT USE THIS COMPANY: Payprotec offers low rates and NO contract. Then my FIRST bill. Rate went from .50 and .10 to 3.96% and 149.00 annual service for their service for 3 years! Messages have been left w/ sales rep and every dept, NO respond. Spoke with a person after 11 days. I wanted to cancel my service. I could FOR 795.00. For a No contract? The person the phone told me “I just work here; I don’t make the rule” I was not with this company a month. It was clarified multiple times, no contract-you can cancel at any time. Also involved- 2 months free with another company then billed monthly (14.95 monthly) to access your own statements. BEWARE: NO SCRUPLES! BE VERY AWARE!

  • Regina B Alexander

    Gigi's Home and Garden, LLC

    Don’t sign up with these people as you will never be able to get your account cancelled.

  • I hope the business owner could read my honest review before open an account with this company. If you are in San Diego, CA, we could find a better merchant company than this one easily. They were rip off!!! My local said the maximum fee never never exceed 2.5% but you know what, when I have gone back all of my statement, I found all of them gone by at least 4% and some months up to 5.2% (we did not accept payment by AX or Discover from clients). Now, we switch to another company with flat rate 1.8% no monthly fee, no extra charge or junk fee. Payprotec horribly cheated!!! I am still keeping all of statements and I have an attorney reviewed my paperwork to work with them. I would not say the firm I am using now because I do not want you guys think I come from Payprotect’s competitor. Take care guys!


    • Mary Ann,

      Could you provide us with the name and location of your business so that we may authenticate this comment?

  • Constant run around.
    After having paypro tech and completing their terms for the contract, we cancelled our services. We completed their termination agreement and returned the equipment. They have continued to charge us for the last 5 years for random monthly amounts. We have spoken to numerous people in the company to have this matter resolved. They have stated “they sent us an email” for a second signature and that they could not cancel with out it. All of a sudden the account is closed with no further action after we continue to call and request a refund for all of the fraudulent charges for services that we don’t have and on equipment that they have confirmed was returned 5 years ago.

  • maritere magana

    Worst Company ever, called to Follow up on a dispute, agent signed me up with 2 companies at the same time, payprotec refuses to cancel my account, keep charging me, I spoke with a Customer Service Rep Pam and yung up on me and never picked up after that, it’s a scam, they refuse to fix my account

    This post will help: Cancelling a Merchant Account Contract Without Paying a Fee


  • The people are very nice when you call for a problem, which is good because you will be calling them all the time. Plus, they took $900 for a machine I had already returned, and when I called to complain, they said (and sent me an email confirming) that it would be refunded. Its taken 3 phones calls and I am still not 100% convinced I’ll have my money in 2 days when they say I will.

    This post will help: Best Payment Processors for Great Customer Service


  • Lori Barrett

    Terrible company. Signed us up very quickly for on line payment processing know exactly what we sell, CBD. Within 10 days we are shut down. Sales rep said, “sorry, that is over my pay grade”. Obviously was a scam to get a sale, and then it left us high and dry, no payment processing, and it takes 20 days to get a new one. Don’t use them!!!!!!!

    This post will help: Best CBD Merchant Accounts


  • Jason Woods

    Great team that helped me with my statup. Highly recommend them.

    • Hi Jason,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  • Hand down the absolute worst company I have tried to do business with in my 42 years on this planet. Was told no contract and no cancellation fees upon signing up. Tried to cancel today and told there will be a $900.00 cancellation fee. Never once received emails from the company due to them having an incorrect email address…I could go on and on….DO NOT DO BUSINESS WITH THESE PEOPLE.

    From The Editor
    This Post Might Help: Cancelling a Merchant Account Without Paying a Fee

  • Sergio DeCesare

    Is there a -0- Start rating? Should be.
    I was introduced to this company by a independent agent and I felt I was done a disservice.
    Terribly run system for merchant processing.
    Firsty, they took almost 2 months to “approve” me Because I was a “consultant”. I never had more than a day for approval from any other company.
    2nd- their Virtual Terminal may be the worst terminal portal Ive ever seen.
    Difficult to maneuver, data was either unavailable or incomplete most of the time and invoicing was unwieldy.

    Lastly, the held funds for about 4 months with out warning or a legitimate reason why. No notification or any communication.
    At this point I would rather not even take CC payments then have to deal with a company like this again.
    My advice is NOT use an independent agent or broker for merchant services but go through your payroll company like Paychex or even through your bank.
    You re going to pay through the nose for processing no matter how you slice it, but at least you can get better service or attention

    From The Editor
    This Post Might Help: Top All-Purpose Merchant Account Providers

  • Mary Ulanet

    Stay away from this company! Lower than poor in customer service and reporting!!!!!

    From The Editor
    This Post Might Help: Best Merchant Accounts for Great Customer Service

  • Dean Jackson

    One of worst company i ever i did business with lies and they take your money.

  • Oscar Alvarado

    Huge RIP OFF Horrible Customer Service no follow up got lured into a 4% surcharge program and they opend 2 accounts and they are charging above 10% STAY AWAY

  • Jesse Wilson

    I had the pleasure of speaking with two people at Payprotec which I would like to be very clear is different than PayProtec Oregon LLC/Securus. Payprotec, the company this page is referring to seems to be a very upstanding company and I am sure the better part of the bad reviews that you see here are for Payprotec Oregon/Scurus, and rightfully so. Payprotec Oregon/Securus is perhaps the most unscrupulous company I have EVER dealt with.

    Please make sure you are reading reviews for Payprotec and not Payprotec Oregon LLC/Securus.

    • Hi Jesse,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  • Juan Barrera

    This company does not provide you with the terms and conditions when signing up. I was told by my sales person that there was no contract. come to find out im into a 3 year contract and there are heavy penalties for breaking it. Before you sign anything with this company make sure you know what you are signing because they will make it seem like everything is ok and its not. I was also told that if i remain compliant there wouldnt be a compliance fee. Lies!!

    • I agree the same happened to me, I didn’t even know who to call to cancel so I called my sales rep Michelle Malone she didn’t even give me the company phone number to call and cancel with them. She had me send the credit card machine back to her instead of the company. I called her and as soon as I ask her where the machine was she hung up and blocked me!!! Every number I call Leads to the same 3 people! Please do not sign up with this company. They will tell you anything to get you to sign up! She even pretended to be the company I was already with! Told me she was going to call the company I was with and cancel for me! I never signed a contract! I’m going to complain every where possible to expose. Payprotec you are who works for you!

  • Absolute worst company I have ever dealt with. Their agents will lie and say anything to get you to sign the contract which is disguised as a simple application fee, will NOT let you read the terms before hand and then tell you there is a $900 ETF because you’re now locked in for 3 years.

  • darin docken is the biggest thief he took 2800 out for the machine I sent back from my account.
    then sent me to collection for 1300 how the hell does that add up this is a scam and now im going after him he gave me a bad address he is in Portland Oregon. close to me now its his turn.

    • The company that that took all the cash from your account for the terminal is not the same PayProTec that is headquartered in Warsaw Indiana.

    • Darin Docken

      1st off yes we did sign them up and yes they leased a terminal with us which we did go over and, we ran a savings analysis with a guarantee letter which was all signed by the owner of the business and, yes they signed it and agreed upon our program. So “NO” I am not a “THIEF” nor do I steal money. I’m a man with a lot of integrity!

  • Although I am no longer involved with the restaurant industry, I had the pleasure of dealing with Payprotec for the past 2 years; after having to be at the mercy of merchant reps whom I will only call money-hungry agents. When I went through no less than 3 processors in 2 years, I found that I was finally treated respectfully by the management of Payprotec. They were as good as their word. I was provided with a Free machine and the lowest rates I’d come across. Could I have found better? I don’t know, I just know that in business, you only have so much time to research so much.
    Consequently, although being approached constantly by merchant service provider agents, I refused to even listen to their pitch.

  • This company is totally the worst possible criminals who lie and deceive for money. Weather you call them Payprotec, Securus, north american bankcard, wells fargo or first data. Its all one big group of thieves.
    Equipment is not free as they say. It is a very expensive lease that you cannot cancel without 20 calls and 10 emails before they respond back. Then they take money directly out of your bank without permission because you cancelled. Their machines do not work, they have no tech support or anything resembling customer service.
    Ryan R signed us up with his lies and then ran away. The company will give no refund for any reason and cares nothing about its customers. Do NOT sign up with any one of their many names.

  • I wrote a review of Phone Swipe and now, of PayProTec. Here’s what happened. I added on to my phone swipe account, to support a website. Basically, a separate merchant account, it turns out.

    Here are the fees I’ve been charged monthly:
    Minimum Billing Fee – $25
    Fixed Acquirer Network Fee $4
    Monthly Basic Service Fee $10

    For a grand total of $39 (in previous months it was a few bucks lower and grew over time)

    Early termination fee, minimum of $295, and it takes 30 days to cancel, so I have an extra month of fees. If you like to pay fees, this is the company for you.

    They’re a D in my book.
    Also, note that my monthly bill has NorthAmericanBancard on it.

    I wish I found this site several years ago.

  • Hi Debby,

    PayProTec (PPT) employs independent agents and I am one of them. Unfortunately, your rep, was either unfamiliar with the program or flat out lied to you. It’s unfortunate that actions like this reflect the company directly. But, I, for one, can vouch for PPT’s integrity. I personally know their CEO, I know his values, principles and the business model he developed. Personally, if it was me, I would’ve paid your early termination fee out of my own pocket. Just to correct any misunderstandings and make sure you are a happy merchant.

    For what it’s worth, I apologize for your reps actions and if I can turn your negative experience to a positive one, feel free to reach out.

    • Ed,

      SAME HERE! Unfortunately, there are independent sales reps that are unscrupulous and you will find them in any organization that is sales driven wether they are payment processors or not.

      Sales reps like Ed and me are are hard to find it seems. I also had a long time client who closed their business and I returned their terminal for them. Being in the business for 17 years I have many, many used terminals stored in my garage. Somehow (I cant figure how) I returned the same terminal type, but not the original free terminal that was originally issued. NAB returned the terminal saying the serial numbers didn’t match and that $1,500 would be charged if the originals were not returned. To save my life I could not find that darn terminal!! My merchant was charged $1,500 and it was deducted form their account. I got out my check book and wrote my guy a check for $1,500! It was the right thing to do. It hurt, but still the right thing to do.

      I’m sorry this reviewer was not treated well. He just didn’t have the right representative.


      The Thrifty Owl

      So I have been charged monthly 60.97 after ending my service and they won’t get it cancelled still after calling with this complaint. I can not afford there illegal charges.



  • Debby Hayden

    I switched to payprotec in November 2012. My salesman was Alleb Burns. I was told that I would be reinbursted for the early termination fee from my previous processor. I was not told that there was a mininum amount that had to be charged out per month for my reinburstment. I called and was told I would need a bank statement showing where they had charged me for the termaination fee. I calledI was on hold for 30 minutes and was told I didn”t qualify for reinburstment, as I am a small business and don’t have the minumim charges. I would never have switched if I had known this. I feel I was not told the whole and complete story. I do not feel this company is reputible, I would not reconmend it to anyone and would try to discourage any one from using them.

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