Solupay Overview

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Established in 2004

Founded in 2004, Solupay is a merchant account provider based in Twinsburg, Ohio. The company specializes in providing electronic payment processing for U.S. businesses of all sizes. Solupay specializes in integrated payments across platforms such as Oracle, Shopify, NetSuite, Magento, and other online shopping carts to minimize the cost of manual processes that facilitate payment processing for businesses.

Additional services offered by Solupay include chargeback protection, fraud prevention, check/ACH processing, automated invoicing, and interchange management. SoluPay’s range of products and services are aimed at minimizing processing costs as well as increasing sales by focusing on improving the efficiency of a merchant’s ability to accept payments.

Solupay Headquarters and Management

Solupay is located at 1470 Enterprise Parkway, Suite B, Twinsburg, OH. Solupay is a registered ISO/MSP of Wells Fargo Bank, N.A., Concord, CA  and the Canadian branch of US Bank National Association and Elavon. Joe Musitano is listed as a managing member at Solupay.

Solupay Review Table of Contents

  • Costs & Contract: Solupay appears to offer variable contract terms through First Data.
  • Complaints & Service: Solupay has received fewer than 10 public complaints.
  • BBB Rating: Solupay has an “A+” rating with the Better Business Bureau and has received 0 complaints in the past 3 years.
  • Sales & Marketing: Solupay appears to hire independent sales representatives but has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Solupay
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Products & Services Offered

Types of Businesses Served

  • Retail
  • E-commerce
  • MOTO
  • Restaurant
  • Non-profit
  • B2B

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Solupay Rates, Fees, and Costs

Key Points

Swiped Rate 2.69% + $0.19
Keyed-in Rate 3.69% + $0.19
Virtual Terminal Rate 1.00% - 4.99%
Payment Gateway Fee Undisclosed
Early Termination Fee Up To $495
PCI Compliance Fee $19.95 Per Month
Equipment Lease Terms 48 Month (locked)

Variable Contract Terms

Solupay is an ISO of First Data, so its standard contract terms may be similar to those offered by First Data. First Data offers a wide variety of contract terms and pricing plans, but its standard agreement is typically a multiyear contract with an early termination fee of $495, a monthly PCI compliance fee of $19.95, and tiered pricing. Merchants who process up to $50,000 each month will receive a swiped rate of 2.69% plus $0.19 and a keyed-in rate of 3.69% plus $0.19. Merchants whose monthly charges exceed $50,000 will receive a swiped rate of 2.29% plus $0.19 and a keyed-in rate of 3.29% plus $0.19. Another facet of these contracts are non-cancellable, long term equipment leases through First Data Global Leasing.

Solupay does have the freedom to alter these terms depending on a merchant’s size, business type, and processing history as an ISO of First Data’s. The company advertises that it also provides merchants with the option to choose interchange-plus pricing, as opposed to a tiered rate structure. However, merchants choosing tiered rates may be charged those which typically apply to a First Data merchant account.

Virtual Terminal and Payment Gateway Pricing

Solupay also dedicates a portion of its website that advertises its virtual terminal and payment gateway services. However, pricing on either of those services is not disclosed. Solupay does optimize its e-commerce platforms with Signify fraud management tools for increased security for online payments. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.

Level 3 Processing Services

In addition to its traditional merchant services, Group ISO also advertises that it provides level 3 processing for b2b and b2g transactions. Level 3 processing relies upon different interchange rates than traditional consumer credit transactions. Accommodating those rates requires different payment processing technology from a merchant account provider to transmit the amount of data required to facilitate the transactions. These services are reserved for b2b and b2g purchases that utilize corporate credit cards.

Negotiate Your Rates

Merchants should be sure to read their agreements carefully and negotiate favorable terms whenever possible (see: “Fee Sweep“). Given the lack of complaints about Solupay’s pricing and fees, we will award it an “A” for the time being. If you have any knowledge of the standard Solupay contract, please share that information in the comment section below this review.

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Response from Solupay

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Solupay Complaints & Customer Reviews

Key Points

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

Low Complaint Volume

We are currently unable to locate more than one negative Solupay review on consumer protection websites. This is a solid indicator that the company doesn’t rip off or scam its merchants, although it is possible that complaints intended for Solupay are instead filed against the company’s processor, First Data. In the absence of any evidence that this is occurring, we will assume that Solupay provides sufficient customer service to resolve all merchant complaints in-house.

Solupay Lawsuits

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

Solupay Customer Support Options

Solupay provides phone and email contact information to its merchants. The company’s customer service department seems to function at a level that is comparable even to top-rated payment processors for great customer service.

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Response from Solupay

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Solupay BBB Rating Summary

Key Points - BBB

Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

No BBB Complaints

Solupay maintains an “A+” rating with the Better Business Bureau at this time and is showing 0 complaints in the last 36 months. Solupay also has not received any informal reviews on its BBB profile, but it should be noted that these reviews are not subject to verification by the BBB.

An “A” Performance

Considering the company’s spotless complaint record, we agree with the BBB’s rating. Merchants should note, however, that there are reasons to be skeptical of BBB ratings.

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Response from Solupay

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Truth In Marketing & Advertising

Key Points

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

No Sales Complaints

Solupay appears to rely on referral programs, strategic partnerships, and independent sales agents to market its services. The use of independent sales agents is commonly linked to complaints within the credit card processing industry, but we are currently unable to locate any Solupay complaints that accuse the company’s sales team of unethical conduct.

No Misleading Quotes

In addition, the company’s promotional materials do not advertise deceptive rate quotes. We will therefore assume that Solupay does an adequate job of training and supporting its independent agents. If you suspect that Solupay is charging you undisclosed fees, however, we recommend seeking an independent statement audit to spot hidden charges.

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Response from Solupay

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Solupay Marketing Example

Solupay Logo

Our Opinion of Solupay

A Good Option for Most Merchants

Solupay rates as a reliable merchant services provider according to all available information. The company is showing only one complaint across all consumer protection websites, and there is no evidence that its sales agents utilize deceptive advertising strategies. Our rating for Solupay may change once more is known about its contract terms, and merchants should be sure to carefully read any contracts they are asked to sign. Merchants are encouraged to compare Solupay’s pricing to the top overall credit card processors to obtain the best all-around deal.

We rely on your feedback about Solupay to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

Thank you for reading my review. I hope that it has helped you with your research.

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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4 Reviews Leave Your Review for Solupay Below

  1. P Mracek says:

    Solupay are the preferred source for program that we use for managing clients in martial arts industry. They seem to be okay for businesses that operate in USA. They are not able however process credit cards for businesses that are operating outside of the USA by the looks of it. Contact Solupay directly several times and they confirmed not able to process credit cards from Australia; also they had no real plan to fix the issue. Seems pretty poor vision by Solupay for those outside of the USA and partner businesses to use software that doesn’t work internationally.
    Frustrated potential client.

  2. D Marcroft says:

    We’ve been doing business with Solupay for several years now and have had prompt assistance on the few occasions we needed help. helped us locate them as a processor and we save 50k annually over our prior processor.

    1. CPO Admin says:


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

  3. Solupay is an incredible company and they take great care of their customers!

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