PaySimple Review

Founded in 2006 and headquartered in Denver, Colorado, PaySimple is a cloud-based payment processing platform tailored for small and medium-sized service-based businesses. The company offers a suite of tools including credit card and ACH payment processing, recurring billing, electronic invoicing, customer management, and reporting features. PaySimple’s platform supports various payment methods, such as online, in-person, and mobile transactions, and integrates with software like QuickBooks, Mailchimp, and Constant Contact. The service is priced at $79.95 per month, with transaction fees starting at 2.90% plus $0.30 for credit card payments and 1.00% plus $0.30 for ACH transactions. In 2016, PaySimple was acquired by EverCommerce, a service commerce platform. As of 2025, the company serves over 20,000 businesses across industries including home services, healthcare, and wellness.

Payment Processing

PaySimple processes major debit and credit cards for various business types. It provides an integrated system for sending electronic invoices and collecting payments via credit/debit card, e-checks, and ACH transfers through customizable payment pages. The company also offers e-commerce solutions, POS systems, and mobile payments. This review primarily focuses on PaySimple’s credit card processing services.

Recurring Billing

PaySimple’s recurring billing service automates the billing process for subscription-based or installment payment plans.

Invoice Management

PaySimple includes an invoice management system that allows businesses to create, customize, and send invoices directly from the platform. It also offers tracking invoice status, sending reminders, and accepting online payments.

Online Payment Forms

The company enables businesses to create customizable online payment forms that can be embedded on websites or shared via email.

Mobile Payments

PaySimple’s mobile payment solution allows businesses to accept payments on the go using a smartphone or tablet. The mobile app supports payment processing, customer management, and access to reporting features.

Integrations and API

PaySimple integrates with popular software platforms such as QuickBooks and Salesforce and provides a robust API for custom integrations.

Insight into PaySimple Customer Feedback

Our analysis has uncovered more than 30 negative PaySimple reviews across various online platforms, although there is evidence to suggest that some may be repeated complaints from the same individuals. The primary issues highlighted in legitimate reviews include unexpected account closures, unsatisfactory customer service, fund holds, and undisclosed fees. While a company representative has engaged with many of these complaints, the outcomes of such interactions and whether merchants received satisfactory resolutions remain unclear. Recent complaints have particularly focused on fund holds, a challenge frequently encountered by e-commerce payment processors. Beyond these concerns, PaySimple has not been significantly affected by any recurrent, severe issues. We encourage those with personal experiences with PaySimple to share their reviews in the comments section below.

Customer Support Offered by PaySimple

PaySimple provides multiple customer support avenues, including a dedicated toll-free phone line, live chat, an extensive online knowledge base, and email ticketing. These support channels are notably comprehensive compared to those of many competitors, potentially contributing to a relatively lower rate of complaints.

PaymentPop Rating for PaySimple

Positive Feedback

There are no positive reviews published about PaySimple on the PaymentPop website.

PaySimple BBB Rating

As of this review, the Better Business Bureau is showing that PaySimple has been BBB accredited since February 2015 and is awarding the company an “A+” rating based on 17 complaints in the last 36 months. PaySimple has a 1 out of 5 star rating based on 1 user review on the Better Business Bureau website.

PaySimple has also received 5 negative informal reviews to its BBB profile. A recent review describes unexpected PCI fees and poor customer support:

The terms and conditions of a merchant agreement will convey a provider’s policy on fees. Regardless, circumstances like that referenced above are especially frustrating for clients. Using a processor with an excellent track record for customer support can help in these scenarios.

A “B” Performance

Taking these figures into account, we have slightly adjusted PaySimple’s rating to a “B” according to our rating criteria.

Google Maps Rating for PaySimple

PaySimple has a 2.4 out of 5 star rating based on 47 user reviews on Google Maps.

PaySimple E-Commerce Pricing

PaySimple’s pricing and contract terms appear to be standard for the industry. The company advertises a rate of 2.49% plus $0.29 for qualified credit card transactions and a rate of 0.10% plus $0.60 for ACH and E-Check transactions. Monthly fees include a PCI compliance fee of $4.95, an on-file fee of $5.00, and a batch fee of $0.29. Credit card transaction fees may vary for mid-qualified and non-qualified transactions. Additionally, there’s a monthly fee of $49.95 covering all e-commerce features. Equipment leases are handled by a third party and are non-cancellable for 48 months, regardless of account termination.

Month-to-Month Contract

According to a company agent, PaySimple offers month-to-month service with no cancellation fee and does not charge an annual PCI Compliance fee. Monthly subscriptions are priced at either $49.95 for the “Complete Commerce Solution” plan or $99.95 for the “Omni-Channel Commerce Platform.” However, evidence suggests a possible three-year agreement with a variable cancellation fee, as detailed in the company’s contract terms provided for review. We recommend examining our list of top merchant accounts.

Virtual Terminal and Payment Gateway Pricing

Apart from storefront payment processing, PaySimple also offers virtual terminal and payment gateway services, though pricing isn’t disclosed. Additional fees such as gateway fees, technical support fees, batch fees, and transaction rates typically apply to these e-commerce services.

Few Contract Complaints

PaySimple has received minimal complaints about its pricing, which aligns with industry norms. However, its pricing isn’t currently competitive with the cheapest merchant accounts available. For detailed pricing and fee information, refer to the standard PaySimple NPC and PaySimple NAB contracts.

To date, no class-action lawsuits or Federal Trade Commission (FTC) complaints have been filed against PaySimple. Clients seeking non-litigious remedies for their grievances are advised to report their issues to appropriate regulatory organizations.

Incomplete Rate Quotes

The only strike against PaySimple in this category is the way that the company quotes processing rates on its website. As of this review, the website states that the transaction fee for VISA, MasterCard, and Discover is “as low as 2.49% + $0.29” per transaction. This is a misleading rate quote because it only states the Qualified rate and fails to disclose the Mid-Qualified and Non-Qualifieddowngrade fees that the company charges. In some cases, these downgrade fees can add as much as 2% to the transaction fee and often affect more than 50% of a business’ transactions. Therefore, quoting the Qualified rate without quoting the Mid- and Non-Qualified rates is considered a form of deceptive marketing, according to our criteria. This does not compare favorably to our list of best credit card processors.

Some Sales Complaints

Other than the rate quoting issue, we found no other uses of misleading or deceptive marketing tactics. However, a handful of clients have publicly reported that their overall costs are much higher than what was represented to them during signup. If you have had a similar experience, you can eliminate hidden fees with a third-party statement audit.

PaySimple is rated as a reliable credit card processing provider. However, some confusion exists regarding whether the company enforces a service agreement, and it seems to now resell North American Bancard contracts. Additionally, PaySimple’s website lacks transparency by not disclosing downgrade fees alongside its Qualified rate quotes.

The company could improve its rating by providing more clarity about these issues on its website and working proactively to prevent future client complaints. For now, business owners are encouraged to compare PaySimple’s pricing and terms to those offered by top-rated merchant accounts to ensure they are receiving the best possible service.