Payroc Credit Card Processing Reviews & Complaints

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How did they treat you? ▼

Pros & Cons
Pros: Cons:
Personalized Service: Direct contact for support and tailored assistance. Contract Clarity: Contract terms may not be fully transparent or competitive.
Good Customer Service: High-quality support with in-house, US-based team. High ETF: Early Termination Fee of $595 in first 4 years.
Better Pricing: Often offers significant savings, especially for high volume transactions. Limited POS Integration: Compatibility issues with non-Clover/Coreware systems.
FFL Expertise: Knowledgeable about Federal Firearms License aspects. Non-Integrated Payments: Manual input required for incompatible POS systems.
Strong Underwriting: Efficient in risk management and handling large transactions. Complaints about Sales Tactics: Issues with sales representatives' conduct.

Company Overview

Founded in 2003, Payroc is a merchant account provider that offers payment processing solutions for merchants of all sizes and types. The company resells the products and services of First Data (now Fiserv) , Vantiv, TSYS, and Chase Merchant Services (formerly Chase Paymentech). Payroc formerly operated under the name of “Retriever Payments Chicago” and was one of two Chicago-area offices of Retriever Payment Systems. The other Retriever office near Chicago, Retriever Merchant Solutions, currently has a moderate number of complaints and a “C” rating on CPO.

Expansion Through Acquisitions

In September 2016, Payroc acquired iTransact, and the company now maintains a second office at iTransact's Utah location. With the acquisition of credit card processor Integrity Payment Systems in 2018, Payroc further expanded its payment solution offerings. In 2020 Payroc again acquired another payment provider Bluestone Payments.

Payroc Payment Processing

Payroc processes all major debit and credit cards for most business types. Their services include: EMV ard readers and swipers, POS solutions, e-commerce solutions including virtual terminals and the Payroc Integrated Payment Platform payment gateway, API integration, the ConsumerChoice processing program, CashRewards cash discounting, risk monitoring/management, and same-day funding.

Video Summary

Payroc payment processing
Payroc offers standard payment processing services

Payroc Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

Low Complaint Total

Our search revealed only three negative Payroc reviews. One of these reviews accuses the company of being a scam or a ripoff, citing unexpected fees. The other two express concerns about being misled by sales agents into agreeing to long-term equipment leases. These issues were addressed publicly and professionally by a Payroc representative, though the original complaints were removed from Payroc’s Facebook page. Regardless of their visibility, these complaints are considered in our assessment.

No Retriever of Chicago Complaints

Complaints against Payroc’s former brand, Retriever of Chicago, would be relevant here, but none directly referencing Payroc’s operations were found. It’s important to note that there are several complaints against another Retriever office near Chicago, which appears to be separate from Payroc. This distinction is crucial for merchants conducting independent research to avoid confusion.

Payroc Lawsuits

No major class-action lawsuits or FTC complaints against Payroc have been identified. Merchants seeking non-litigious resolutions are advised to consider reporting to relevant supervisory bodies.

Payroc Customer Service Options

Considering its operational history since 2003, Payroc maintains a relatively low complaint volume. Therefore, there seems to be no immediate reason to downgrade its rating in this category.

Payroc customer service contact information:

(888) 477-4500 – Toll-Free General Customer Service

Additionally, customer service emails are available at [email protected] and [email protected].

While Payroc provides phone and email support, it is not ranked among the elite merchant account providers for customer service.

Payroc Online Ratings

Here's How They Rate Online

Online Ratings Summary
Product & Service Complaints 2
Billing & Collection Complaints 6
Advertising & Sales Complaints 1
Guarantee & Warranty Complaints 0
Delivery Complaints 0

No BBB Complaints

Payroc currently has an “A+” rating with the Better Business Bureau and has been BBB-accredited since February 2016. The company has received 9 complaints in the last 36 months. 6 of the complaints are issues with billing or collections,  2 are due to a problem with a product or service, and 1 had to do with advertising or sales. Of the 9 complaints, Payroc has successfully resolved 7 to the satisfaction of the merchant.

Payroc has also received 21 informal reviews on its BBB profile, with only 2 being negative in tone. It should be noted that most of these reviews are not subject to verification by the BBB. In fact, there is reason to be skeptical of the BBB’s rating system.

What Merchants Say

In addition to the 6 complaints filed against Payroc, the company has also received 21 informal reviews on its BBB profile. For some reason, these are not accessible on the BBB website, but the company has a 3.19 out of 5 rating.

An “A” Performance

In light of the company’s high complaint resolution ratio and positive reviews, we agree with the BBB’s rating at this time.

Payroc Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Swiped Rate Interchange-plus
Keyed-in Rate Interchange-plus
Early Termination Fee $375
PCI Compliance Fee Undisclosed
Equipment Lease Terms Undisclosed

Payroc Pricing

Details on the standard Payroc contract are not widely available publicly. The company maintains confidentiality regarding its pricing and contract terms, and there’s a lack of specific merchant feedback addressing rates or fees directly. Payroc advertises interchange-plus pricing, noted for its transparency, on its website. Given Payroc’s partnerships with major processors like First Data (Fiserv), Vantiv, TSYS, and Chase Merchant Services, the range of fees Payroc charges may reflect those associated with the services of these processors.

Furthermore, some complaints on social media and our review’s comment section have highlighted issues with long-term, non-cancellable equipment leases and a mentioned $375 early termination fee. These points indicate that while Payroc’s pricing may be transparently presented, it might not always represent the most competitive option compared to other budget-friendly merchant accounts.

Ask About All Contract Terms

In the absence of detailed information, we advise merchants to thoroughly inquire about all potential contract terms and fees with Payroc before proceeding with their services. Merchants with insights into Payroc’s contract specifics, including any monthly minimum or PCI compliance fees, are encouraged to share their experiences below. Additionally, for those seeking competitive payment processing solutions, we recommend exploring our curated list of top merchant account providers.

Payroc Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Employs Independent Resellers Unknown
Advertises Deceptive Rates No
Discloses All Important Terms No

Payroc Sales Approach

Payroc appears to rely on traditional advertising, referral partnerships, and outside sales representatives to market its products. There is no evidence at this time that the company employs a large team of independently contracted sales representatives, although at the time of our last review, two complaints filed against its Facebook profile seemed to suggest that the merchants were initially contacted by independent reps. These were the only Payroc complaints we had found about the company’s sales approach, so we will assume they were isolated incidents. It’s worth noting that we cannot find any complaints filed against Payroc during its time as Retriever of Chicago, which would distinguish it from the other, poorly reviewed Retriever branches. This compares favorably to our list of best credit card processors.

No Misleading Advertising

Payroc does not feature any misleading rate quotes or unrealistic guarantees on its website. Generally speaking, there is little cause for concern with its sales tactics. However, if you suspect that Payroc is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden charges.

Our Payroc Review Summary

Our Final Thoughts

Payroc rates as a reliable merchant services provider according to our rating criteria, standing out in an industry where trust and transparency are paramount. The company’s previous affiliation with the Retriever family of companies might initially give some merchants pause, especially given the mixed reputation associated with Retriever. However, Payroc has distinguished itself as one of the few Retriever offices that did not engage in the questionable practices that often lead to negative reviews. This distinction suggests a commitment to ethical business conduct and customer satisfaction, which is further underscored by the positive feedback Payroc continues to receive from its clients.

Moreover, Payroc’s recent acquisition of Integrity Payment Systems, another highly rated provider, appears to be a strategic move that will enhance rather than hinder its service quality. Integrity Payment Systems’ reputation for reliability and excellent customer service aligns well with Payroc’s standards, promising a seamless integration that benefits merchants. Despite these positive indicators, we always advise merchants to carefully examine the terms of any contract they are offered. This includes scrutinizing the fine print and comparing Payroc’s pricing and terms to those of top overall providers in the industry. By doing so, merchants can ensure they are making well-informed decisions that best serve their business needs.

Location & Ownership

Payroc is a registered ISO/MSP of Fifth Third Bank, N.A., Cincinnati, OH.; Elavon, Inc Georgia; Peoples Trust Company, Vancouver, BC, Canada; Wells Fargo Bank, N.A., Concord, CA.; and Wells Fargo Bank, N.A., Canadian Branch, Toronto, ON, Canada. James Oberman is the CEO of Payroc, which is headquartered at 7840 Graphics Dr Ste 200 Tinley Park, IL 60477.

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Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did Payroc Treat You?

10 User Reviews

  • scott

    Dark Side Machine and Chassis LLC

    biggest rip off company out there. Salesman was very high pressured. When I told him I needed to think about it for a day or two he convinced me to sign up by telling me there was no long-term contract and did not say one word about an early cancellation fee and I am not paying $599 for an early cancellation fee when I was not told by the salesman

  • Michael Alic

    Management One LLC

    We pay $7.95 per month in PCI compliance fees, $5 per month in “maintenance fees” and $10 per month for “MoneyGate Access” (not sure what that is). No issues to report and overall cost seems reasonable.

  • Derek

    We are going on over 5 months to get us implemented as one of their payment partners. Their sales team told us 2 weeks.

    They have very little process to get new customers started and every-time we jump on a call with them they took no time to even understand where we are at in the process.

    Their IBX gateway uses usernames and passwords as a unique identifier, making managing all your merchants incredibly painful.


  • Regina

    Rising Son gifts

    I have been with Payroc for over a year now. I came across thispage by way of a friend who I referred them to payroc and in doing her research she saw this page. I am here to say that none of the negative things that has been said about payroc here has been my experience with them. I was a square customer before and I can tell you right now that square has fees that they dont tell you about you and they hide them in the percentage the offer you. I do not have a contract with payroc It’s month to month I have not been charged any yearly fees or any other type of fees that my rep did not tell me about. just because a person drives a fancy car does not mean anything but that . for all you know he could of been gifted the car from a relative that passed away. I did extensive research myself on this company as well as spoke to about 10 different customers of theirs before I chose them payroc has been a lifesaver to my business if you think that savings over half of what i was paying with square is a rip off then maybe you should seek an accountant to help you with your decision on whether or not to use Payroc as far as I am concerned I am a customer for LIFe

  • Cheryl

    I’ve been with Payroc for three years. We have never ever had a problem or overcharge. In fact, our fees are less than our previous processors. We are very happy with Payroc. There was no high pressure from our salesman, who is still available for questions. We were referred to them and would refer them to anyone who is looking for a good processing company.

  • Umbra

    This company is run by James Oberman, the same man who is responsible for ruining small businesses with credit card leasing scams for Lease Finance Group. Check out the New York City Civil Courts for lists of civil suits or google them or their other alias Northern Leasing Systems or Global Leasing Company or First Data Merchant Services. You can also google the reviews for the last company he listed Integrity Payment Systems. This company will ruin your business and your credit the same way, I know first hand. Sign up with Square at least they don’t make you sign a contract, they take their money and you get yours and if you decide to leave no one owe anyone anything.

  • Renee Bristow

    I switched to payroc 5 months ago. I am very happy with them so far. They are cheaper overall than the last company. I didn’t have to sign a contract, and the statements are fairly transparent.

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