Should You Choose SecurePay Over Other Payment Processors?

We take our role in providing guidance and education regarding the card payment industry very seriously. At our own expense, we have vigorously defended our right to continue expose unethical and predatory practices in the industry, successfully defeating every attempt to silence us. However, fending off frivolous lawsuits is costly. To sustain these efforts, one of the ways we generate revenue is through affiliate partnerships with ethical providers. This means that some of our outgoing links connect business owners to trustworthy, low-cost payment processors, which is what most of our readers seek. We see this revenue channel as a win-win-win for everyone involved. Business owners find good processors, processors get good clients, and we are able to continue to provide a valuable service to the small business community. We also recommend and link to many services that do not compensate us. Our priority is to guide you to the best solutions for your needs, regardless of potential revenue. If you have questions, please feel free to contact us.

All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.

SecurePay

Rating
B
4.3/5
full starfull starfull starfull starempty star

Pros and Cons of SecurePay

Pros

Enhanced security measures
PCI Compliant
No Hidden Fees
24/7 Support
Recurring Billing

Cons

Geographic Limitation
Standard Chargeback Fee
Transaction-Based Pricing
Limited Customization
Settlement Delays

Overview

In this SecurePay review, we’ll provide an overview of their credit card processing services, including point-of-sale (POS) systems, mobile payment options, and e-commerce tools. We’ll highlight the types of businesses that may benefit most, while also looking at customer reviews to reveal common trends and concerns. In addition to services, we’ll cover pricing, contract terms, and key features so you know what to expect. By the end, you’ll have the insights you need to decide whether SecurePay is the right choice for your business’s payment processing needs.

About SecurePay

Screen Capture of SecurePay Homepage
SecurePay Homepage

SecurePay, also known as Secure Pay, is a wholly-owned subsidiary of eVance Processing. The company was originally acquired by Pipeline Data in 2002, but when Pipeline went bankrupt, Calpian Commerce purchased Pipeline’s assets and took over the SecurePay brand. Calpian was then acquired by the Excel Corporation in 2015 and merged into the eVance Processing brand. In 2018, all of these brands were acquired by OLB Group. According to the company’s website, it has a transaction volume of $1.3 billion, processes 23.5 million transactions each year, and currently supports 8,500 merchants.

Products & Merchant Services

Payment Gateway

SecurePay is a payment gateway provider for eVance’s credit card processing services, rather than a merchant account provider itself. Merchants may interact with SecurePay when setting up and using their accounts, though SecurePay does not directly handle pricing or contract terms. The gateway emphasizes security, utilizing SecureGuard encryption to combat fraud. It’s important not to confuse this SecurePay with an unrelated company of the same name based in Australia.

Point of Sale Systems

SecurePay offers point-of-sale (POS) systems designed to assist businesses in managing in-person transactions. These systems feature sales tracking, inventory management, and analytical reporting to provide a comprehensive overview of business operations.

eCommerce Solutions

For online businesses, SecurePay provides eCommerce solutions. Their secure platform enables businesses to manage and process online transactions safely and efficiently.

Mobile Payment Processing

SecurePay offers mobile payment processing, allowing businesses to accept card payments via mobile devices.

Merchant Cash Advance

SecurePay provides a merchant cash advance service, purchasing a share of future sales to give businesses immediate access to capital.

Customer Reviews & Sentiment

Overview of SecurePay Reviews

Our analysis of SecurePay reviews reveals a moderate number of negative comments, considering the company’s size and operational duration. It’s noteworthy that many of these reviews, particularly those posted before 2013, also reference SecurePay’s parent and sister companies, like Pipeline Data, Cynergy Data, and Charge.com. Recurrent issues in these reviews include unexpected fees, withheld funds without notification, and inadequate customer service. For comprehensive research, it’s advisable to search for both “SecurePay” and “Secure Pay.” We invite readers to share their experiences with SecurePay in the comments section.

Legal Status of SecurePay

There are currently no class-action lawsuits or FTC complaints against SecurePay. Clients looking for non-litigious resolution methods are advised to report issues to appropriate supervisory organizations.

Industry Scores & User Ratings

Online Ratings Summary
PaymentPop5
BBB RatingN/A

PaymentPop Rating for SecurePay

Negative Feedback

There are no negative reviews published about SecurePay on the PaymentPop website.

Positive Feedback

SecurePay handled our onboarding efficiently, and there weren’t any unexpected steps. Once we were set up, everything worked without needing constant adjustments. It’s been a dependable option for processing payments without added stress.

SecurePay BBB Rating

As of this review, the Better Business Bureau is reporting an “A+” rating for SecurePay and stating that the company has not received BBB accreditation. It’s important to note that complaints about SecurePay may end up on the BBB profiles of Calpian Commerce, Pipeline Data, Cynergy Data, eVance Processing, Chyp, or OLB Group in error since these appear to be the parent companies of SecurePay.

What Merchants Say

SecurePay previously received 1 informal review to its BBB profile, which was negative in tone. The review mentions being signed up against the client’s knowledge and bad customer service:

I’d give zero stars if I could. This service was slipped into a a credit card processing contract I signed with ***** ******* Credit Card Processing in 2002 for a 4 year contract with equipment. We were advised to get rid of it when we got a new system in 2015. My manager called in 2015 to cancel but the fees of 30.95 kept coming out. A year later we called again and a different manager told me she had cancelled. The fees kept coming out and I think we all just got used to seeing them and thought they were a credit card processing fee. The years passed. Recently I was investigating our past credit card processors for a class action lawsuit and came across the email from my manager in 2016 saying SecurePay was cancelled. I asked my manager if she was seeing these withdrawals still. She found that they had been withdrawing that amount monthly even now. She called a VP of operations named Donna and asked to have the account cancelled and asked for a refund of the most recent 30.95 taken from our account. She was told to email a cancellation and that a refund would be sent as “time allowed”. This was my third time being told by a manager I trusted that the account was cancelled. I called Donna myself to make sure it was cancelled and to ask for 1500 back ( at that time I thought the charges went only back to 2016). She refused to refund any money, said she would send the contract I signed and said she needed a “form” filled out. My manager then told me no form was sent by Donna. When I questioned Donna about this Donna stated by email that she did not say the word “form” to me but that she had said she needed written confirmation by email. She also stated in her email that my manager had erred by sending the email to customer service instead of sending to a cancellation email at securepay. She did send me the old contract which happily has the old MID number that I can add to the class action lawsuit against shady credit card processors. That is my only stroke of luck. All I can say is in 2002 I had negative money as we were building the veterinary facility and these people took full advantage of my lack of knowledge of this industry to line their pockets. If you want to add yourself to the lawsuit against shady processors that leased you equipment between 2004 and 2012 contact Neil C******* at I have now contacted my banker to refuse all ACHs from this company. The only reason no merchant has given this company a bad review is because the “services” are wrapped into equipment leasing deals. When I asked Donna what service they had been providing my company for 17 years. She stated they were a check guarantee company. Merchants just figure the 30.95 is for some piece of the merchant fee. That’s what we thought. We just became used to seeing the fee in the account. We never once in 17 years had any communication from them about making use of the check guarantee service.

Understanding how to cancel a merchant account without paying any fees is imperative to ensure that an account is closed and that no recurring fees will be charged.

An “A” Performance Overall

In light of these figures, we agree with the BBB’s rating at this time. Business owners should note, however, that there are reasons to be skeptical of the BBB’s rating system.

Processing Rates & Fees

Variable Contract Terms

The terms for SecurePay’s services, including pricing, may differ based on the method of account acquisition, business type, and volume of transactions. Generally, pairing with eVance Processing or Chyp merchant accounts leads to higher-than-average pricing structures.

SecurePay Payment Gateway Fees

Owned by eVance, SecurePay applies its own transaction fees on top of those from the eVance merchant account. This structure includes an additional 0.25% for “Qualified” transactions or 1% for “Mid-Qualified” and “Non-Qualified” transactions, which are most prevalent, plus $0.25 per transaction. Consequently, businesses using SecurePay with eVance could encounter transaction fees in the range of 4-5%, above industry norms. It remains unclear whether monthly fees from SecurePay and eVance are amalgamated or billed separately.

Recurring and One-Time Fees

Client feedback suggests SecurePay may charge a PCI compliance fee of either $59 or $15 monthly and an Early Termination Fee exceeding $400 for services terminated prior to the end of an agreement. The duration of SecurePay’s standard agreement and the specific entity imposing the ETF—SecurePay or the associated merchant account provider—remain unspecified. These contract conditions do not align with the more advantageous terms found with some of the market’s more economical merchant account providers.

For more favorable contract options, business owners are encouraged to review our selection of the best merchant account providers.

Employee Reviews & Sales Practices

Inside/Outside Sales Team

SecurePay’s services appear to be marketed primarily through independent distributors and resellers. The company’s credit card processing can also be obtained directly from SecurePay or packaged with a merchant account from a third-party processing company. We have located no negative SecurePay reviews alleging deceptive sales tactics, but a few of the companies with which it is associated have suffered complaints regarding misleading marketing and sales practices.

This does not compare favorably to our list of best credit card processors.

No Deceptive Quotes

SecurePay does not prominently list any misleading rate quotes or unrealistic guarantees in its official materials. If you suspect that the company is overcharging you, however, you can confirm it with a third-party statement audit. Given the company’s lack of complaints, we are assigning it a grade of “A” for the time being.

SecurePay Competitors

Compare SecurePay to competitors that earned top marks.

Bottom Line

SecurePay is difficult to rate as a standalone credit card processing provider because it primarily functions as the payment gateway for OLB Group affiliates. The service itself has garnered mixed reviews, reflecting a range of user experiences. However, it’s important to note that the parent company, OLB Group, and its affiliates have received generally poor reviews, which could influence the overall perception and reliability of SecurePay.

Business owners considering SecurePay should exercise caution. It is crucial to thoroughly read and understand all service agreements before committing to their services. Given the mixed reviews and the poor reputation of its parent and affiliate companies, comparing SecurePay’s offerings to those of highly rated e-commerce providers is advisable. This comparison can help ensure that business owners secure the most favorable terms and avoid potential pitfalls associated with less reputable providers.

Read Actual User Reviews

All user reviews have been moved to our partner, PaymentPop.com

Contact SecurePay

Contact & Customer Support
CEORonny Yakov
Headquarters960 North Point Pkwy #400, Alpharetta, GA 30005
Toll-Free Customer Support(855) 452-7135
Websitesecurepay.com