TransPay Processing Review

TransPay Processing Overview

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A Growing, All-Purpose Credit Card Processor

TransPay Processing is a merchant account provider that offers a wide array of electronic payment solutions for small and mid-sized businesses throughout the United States. TransPay Processing reports that it processes over $500 million in annual credit card processing volume, and the company partners with major merchant services industry leaders such as Chase Merchant ServicesFirst Data, Authorize.Net, and Wells Fargo Bank to supply most of its credit card processing and payment gateway services.

TransPay Processing Location and Ownership

Established in 1998, TransPay Processing lists its mailing address as PO Box 13830, Palm Desert, California, although the company also operates another location at 74900 US Highway 111 STE 121, Indian Wells, CA. Emil Billman is listed as the founder of TransPay Processing, while Mitchell Billman serves as its president.

TransPay Processing Review Table of Contents

  • Costs & Contract: TransPay Processing appears to resell First Data contracts on a month-to-month basis with no early termination fees and uses Authorize.Net for its payment gateway.
  • Complaints & Service: TransPay Processing has received fewer than 10 public complaints.
  • BBB Rating: TransPay Processing has an “A+” rating and has received 0 complaints in the past 3 years. The company has been accredited by the Better Business Burea since 2002.
  • Sales & Marketing: TransPay Processing appears to hire independent sales representatives but has not received any complaints about its sales team.
  • Rates & Fees: How Merchants Got The Best Rates With TransPay Processing
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Products & Services Offered

Types of Businesses Served

  • Retail
  • E-commerce
  • MOTO
  • B2B

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TransPay Processing Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-in Rate 1.00% - 4.99%
Virtual Terminal Rate 2.90% + $0.30
Payment Gateway Fee $25 Per Month
Batch Fee $0.10
Early Termination Fee None
PCI Compliance Fee $19.95 Per Month
Equipment Lease Terms 48 Month (locked)

Variable Contract Terms

TransPay appears to mainly resell contracts offered by First Data, which means that a contract from TransPay will likely be similar to the standard First Data contract.

First Data is a huge processor with a wide range of possible contract terms, many of which vary from reseller to reseller. Under a typical First Data contract, 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. Common complaints associated with First Data contracts include long contract terms, early termination fees of $495, PCI compliance fees of $19.95 per month, and long-term, undisclosed equipment contracts through First Data Global Leasing.

However, First Data allows resellers to choose between selling month-to-month contracts. It appears that TransPay offers month-to-month contracts with no cancellation fee.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, TransPay Processing also dedicates a portion of its website that advertises its virtual terminal and payment gateway services. Though TransPay’s e-commerce pricing is not disclosed, the company resells the services of Authorize.Net, whose pricing is readily available. Merchants using’s payment gateway will be charged a 2.9% plus $0.30 per-transaction fee, a $25 monthly gateway fee, a daily batch fee of $0.10 in addition to the $25 monthly gateway fee.

It should be noted that as a reseller of Authorize.Net and other payment gateway services, TransPay Processing may alter the terms and conditions of those rates and fees.

No Contract Complaints

TransPay is showing no publicly listed complaints related to its contract terms. This review will therefore assume that TransPay offers a more budget-friendly merchant account than the First Data contract and will therefore award it a higher rating than the “C” awarded to First Data. If you have any knowledge of TransPay’s contract terms (including any possible monthly minimum fees or PCI Compliance fees), please leave that information in the comment section below.

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Response from TransPay Processing

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TransPay Processing Complaints & Customer Reviews

Key Points

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

Clean Complaint Record

We are currently unable to locate any negative TransPay Processing reviews, which is a sign that the company is not a ripoff or a scam. In fact, there are 0 total reviews of the company, positive or negative, across all consumer protection websites at this time. This is a bit strange for a company that has been operating since 2006, but we will assume for now that the majority of the company’s merchants are satisfied with the service they receive.

TransPay Processing Lawsuits

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

TransPay Processing Customer Support Options

TransPay Processing offers a phone number and an email address for customer support, both of which operate independently of the customer support offered by its contract provider, First Data. This is an encouraging sign, since First Data is not considered a top-rated processor for great customer service. A helpdesk for the company’s e-commerce platform also operates between 9 am and 5 pm PST. The lack of any publicly listed complaints about TransPay is indicative of a responsive customer service department. This review will therefore award TransPay an “A” rating for the time being.

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Response from TransPay Processing

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TransPay Processing 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

Clean Complaint Record

TransPay has been accredited by the Better Business Bureau since 2002 and currently has an “A+” rating based on 0 complaints filed in the past 36 months. The company also does not have any informal reviews filed against its BBB profile, although it should be noted that these reviews are not subject to verification by the BBB.

An “A” Performance

We agree with the BBB’s grade given the company’s clean complaint record and its performance in other categories of this review. However, merchants should be aware that there are good reasons to be skeptical of the BBB’s ratings.

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Response from TransPay Processing

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Truth In Marketing & Advertising

Key Points

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

Outside Sales Team

TransPay appears to use independent sales agents paid by commission to market its accounts. Independent sales agents are often motivated to sign merchants to expensive contract terms in order to make the highest commission, and their employers (such as TransPay) are the only entities responsible for regulating their tactics and disclosures at the point of sale. TransPay, however, is showing no publicly listed complaints over the entire time that it has been active, so this review will assume that the independent agents employed by TransPay are not engaging in deceptive or misleading sales tactics.

No Deceptive Quotes

As an additional point in its favor, the company’s website does not appear to promote any misleading rate quotes. If you suspect that TransPay has misrepresented your pricing, however, you can always obtain a third-party statement audit to eliminate hidden fees.

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Response from TransPay Processing

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TransPay Processing Marketing Example

TransPay Processing Logo

Our Opinion of TransPay Processing

A Solid All-Around Payment Processor

TransPay Processing rates as a reliable merchant services provider according to all available information. The company appears to offer a favorable version of a First Data contract, but it also utilizes independent sales agents. There is currently not a lot of information available about TransPay, so if you have had any experience with this company, please share that information in the comment section below. Merchants are encouraged to compare TransPay’s pricing to that offered by top-rated merchant accounts.

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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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1 Review Leave Your Review for TransPay Processing Below

  1. Christine Parsons says:

    Most employees and workers would tell you that Transpay is not normally on time with payments — new enrollments should be warned that paychecks are normally late from 2 to 8 days and that it is a rare when they are on time and even more rare to reach customer service by phone.

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