Payvision Overview

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International Payment Processing

Payvision is a merchant account provider that specializes in processing international payments for e-commerce businesses. Founded in the Netherlands in 2002, Payvision has since grown to the point that it now maintains offices in Utah, Toronto, New York, London, Berlin, Paris, Madrid, Tokyo, Hong Kong, Macau, Singapore, and Auckland. In January 2018, ING Group purchased a majority share of Payvision, but Payvision appears to remain an independent brand at this time.

Payvision Location and Ownership

Payvision is a registered ISO/MSP of Merrick Bank, South Jordan, Utah, and is headquartered at Molenpad 2 1016 GM, Amsterdam, The Netherlands. Rudolf Booker is the founder and CEO of Payvision.

Payvision Review Table of Contents

  • Costs & Contract: Payvision appears to offer variable contract terms depending on the countries in which it is operating.
  • Complaints & Service: Payvision has received fewer than 10 public complaints.
  • BBB Rating: The Better Business Bureau does not maintain a profile for Payvision at this time.
  • Sales & Marketing: Payvision does not appear to hire independent sales representatives and has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Payvision
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Products & Services Offered

  • Debit and credit card processing
  • Support for over 150 currencies
  • Central reporting hub for merchants
  • Global domestic acquiring
  • White label solution for resellers
  • Cost reduction and optimization

Types of Businesses Served

  • E-commerce
  • International

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Payvision Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-in Rate 1.00% - 4.99%
Early Termination Fee Undisclosed
PCI Compliance Fee Undisclosed
Equipment Lease Terms Undisclosed

Variable Contract Terms

Given the company’s international merchant base, it is very likely that the standard pricing and terms of a Payvision contract will vary from location to location and will depend on a merchant’s size, business type, and time in business. Payvision offers e-commerce processing and support for over 150 currencies, so rates may be subject to extreme variation as a merchant expands into new international markets.

Given the use of Merrick Bank as the company’s sponsoring bank in the U.S., it is possible that the different Payvision locations operate with altered versions of the standard Merrick Bank Merchant Services agreement. However, there is no evidence to support this possibility at this time.

High Risk Concerns

According to this 2010 thread from WebHostingTalk, Payvision has been known to freeze or terminate the accounts of high risk merchant types. This policy makes sense for the company given the wide range of security standards it must deal with as an international processor, and we aren’t inclined to penalize Payvision at this time for having this policy in place. Additionally, one commenter in the linked forum above mentioned that Payvision is moving away from traditionally high risk industries like online pharmacies and gambling in order to avoid having to terminate accounts or freeze payments.

No Red Flags

Payvision appears to offer competitive pricing and terms in most of its markets, but high risk merchants might be better off working with a high risk specialist. If you have had any direct experience with the standard Payvision contract (including early termination fees or PCI compliance fees), please share it in the comment section below this review.

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Response from Payvision

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Payvision Complaints & Customer Reviews

Key Points

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

Low Complaint Total

Aside from the few complaints linked above, there are no negative Payvision reviews to be found in the usual consumer protection forums, which is a good sign that the company is not a scam or a ripoff. The only two issues we have seen in merchant complaints about Payvision are fund holds and deceptive sales practices, but the latter claim was professionally and convincingly rebutted by a Payvision representative. Merchants who encounter fund holds might want to consider taking the steps to get those funds released.

Payvision Lawsuits

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

Payvision Customer Support Options

Payvision appears to offer direct phone support at most of its offices. Payvision’s customer support is likely to vary in quality depending on which location a merchant obtains service through, but it does seem as though the company as a whole does an effective job of resolving complaints in-house before they are taken to public forums.

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Response from Payvision

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Payvision BBB Rating Summary

No Dedicated Profile

The Better Business Bureau does not currently maintain a profile for Payvision. We therefore will not factor a BBB rating into the company’s overall review at this time.

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms No

In-House Sales Team

Payvision appears to primarily market itself through its website, through strategic partnerships, and through traditional advertising channels. The company maintains offices across the world, but these offices may manage their own in-house sales teams. At this time, there is only one Payvision negative review that accuses the company’s sales team of unethical conduct, and this complaint has been sufficiently rebutted by a Payvision representative.

No Deceptive Quotes

Since the company’s lone sales complaint does not appear to involve an actual employee of Payvision, and since the company does not engage in any overtly deceptive advertising in its official materials, we have awarded the company an “A” rating in this category. If you are concerned that Payvision is overcharging you, you can double-check your monthly bill with a third-party statement audit.

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Response from Payvision

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Payvision Marketing Example

Payvision Logo

Our Opinion of Payvision

A Solid Option for International E-Commerce

Payvision rates as a reliable international merchant services provider according to all available information. The company is showing very few complaints across all consumer protection websites, and it does not appear to engage in deceptive advertising strategies. Our grade for Payvision may be subject to change once more is known about its standard contract terms, or once the BBB establishes a profile for the company. For now, merchants are encouraged to compare Payvision’s pricing and services with those offered by top-rated e-commerce payment processors.

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Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

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