USPAY Group Credit Card Processing 2023: Reviews & Complaints

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Company Overview

Based in Levittown, New York, USPAY Group is a merchant account provider that formerly operated under the name “Premier Merchant Processing.” A company representative has asked us not to refer to Paya as the company’s backend payment processor in this review, but the USPAY Group website listed Paya Services as one of the company’s partners for a long time. USPAY Group’s specialty areas include healthcare merchant accounts, hotel merchant accounts, and restaurant merchant accounts.

Article Summary

Before we dive in, here’s a short summary of what we’ll cover:

  • USPAY Group’s various payment processing services.
  • The company has not received many public complaints. What complaints there are often mention customer service or employment issues. In fact, interior reports from former employees are somewhat frequent comparatively.
  • The USPAY Group contract appears about industry-standard.

USPAY Group Payment Processing

USPAY Group processes all major credit and debit cards for most business types. Their services include POS solutions, ACH and check processing, mobile solutions, access to the USPAY Gateway for online payments, the VIMAS online merchant account management tool, and gift and loyalty programs.

Mobile Payment Solutions and Compliance

The company offers mobile payment solutions, enabling merchants to accept payments via mobile devices. They also provide check services and emphasize PCI compliance, which is a set of security standards designed to ensure that all companies that accept, process, store, or transmit credit card information maintain a secure environment.

Additional Merchant Services

USPAY Group extends its services to include gift and loyalty card programs, which are designed to enhance customer retention and increase sales. They also have a referral program, although details of this program are not specified online.

Location & Ownership

USPAY Group is a registered ISO of Synovus Bank, Columbus, GA, and is headquartered at 525 Broadhollow Rd 2nd Floor, Melville, NY 11747. Gary Ramesberger is listed as the CEO of USPAY Group on their website; however, former COO Kristy Richardson is named as CEO as of 2021 by multiple online sources including LinkedIn.

Table of Contents

USPAY Group payment processing
USPAY Group offers a variety of payment processing services

USPAY Group Customer Reviews

Here's What Their Clients Say

Key Points

Total Online Complaints 10+
Live Customer Support Yes
Most Common Complaint Hidden Fees
Recent Lawsuits No

Low Complaint Total

We are currently able to locate over 10 negative USPAY Group reviews, but none of these complaints go so far as to accuse the company of being a ripoff or a scam. We have included USPAY Group complaints filed against Premier Merchant Processing because there appears to be no substantive difference between the two entities. Common themes among complainants include incessant telemarketing calls, nondisclosure of contract terms, and a less-than-professional sales environment. The overall USPAY Group complaint total is low and has slightly declined since it launched the USPAY Group brand. If you have your own USPAY Group review to make, please do so in the comments below.

USPAY Group Lawsuits and Fines

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

USPAY Group Customer Support Options

USPAY Group offers phone and email support to all of its merchants.

USPAY Group Customer Service Numbers

  • (866) 725-8500 – Toll-Free Customer Support
  • (888) 796-7738 – Fax

Other Support Options

We have assigned USPAY Group a “B” in this section, but we do not consider it a top merchant account provider for customer service.

USPAY Group Online Ratings

Here's How They Rate Online

Online Ratings Summary

BBB Reports 8

Under 10 Complaints

USPAY Group currently has an “A+” rating with the Better Business Bureau and has been accredited since July 2010. The company has received 4 total complaints in the past 3 years. None of the complaints were resolved to the satisfaction of the merchant.

What Merchants Say

In addition to 4 complaints, USPAY Group has acquired 4 informal reviews on its BBB profile in the last 3 years, 3 of which are negative in tone and 1 of which is positive. The most recent review details issues with customer service:

Absolutely horrible service! I have been a customer since 2018 and haven’t used the processor in over 2 years. I called to cancel and they are charging me the $495 because my contract auto- renewed 2 months ago. Then they send me an e-mail telling me that they value me as a long time customer and would like to earn my business back. I am in the customer service business too and I can assure you that is is no way to earn anyone’s business. AVOID AT ALL COSTS. In addition, their fees are very high and they change you a high authorization fee and surcharges.

Clients who find themselves in an expensive contract may obtain some relief by seeking a third-party statement audit to renegotiate undisclosed fees.

An “A” Performance Overall

In light of USPAY Group’s complaint total and resolution ratio, we agree with the BBB’s rating.

USPAY Group Fees, Rates & Costs

A Closer Look at The Contract

Key Points

Cancellation Penalties Yes
Monthly & Annual Fees Yes
Processing Rates 1.00% - 4.99%
Equipment Leasing Yes

Three-Year Contract

According to client complaints, the standard USPAY Group contract appears to be a three-year agreement with an annual account fee of $79, an early termination fee ranging from $250 to $495, an annual PCI compliance fee of $99, and a monthly non-compliance fee of $14.95. These USPAY Group fees may vary depending on a business’ size, business type, and processing history.

Prior Northern Leasing Connection

The USPAY Group “Partners” page also previously listed Northern Leasing Systems as the company’s equipment leasing provider. Northern Leasing Systems is one of the worst-rated providers on CPO and is notorious for providing long-term, non-cancellable lease agreements that ultimately cost thousands of dollars. For reference, most payment terminals can be purchased for under $500. A company representative has contacted us to state that USPAY Group has “no connection to Norther Leasing whatsoever”, but we consider the company’s previous affiliation with Northern Leasing to be worthy of mention in this review. It appears that USPAY Group has discontinued its relationship with Northern Leasing, but business owners are advised to confirm this before signing up. We also encourage businesses to check out our list of the providers of the best merchant accounts.

No Extreme Red Flags

In general, the USPAY Group contract terms appear to be about standard for the industry. There have been a low overall number of complaints related to the USPAY Group rates and fees. We have therefore assigned it a “B” in this section.

USPAY Group payment gateway

USPAY Group offers its own proprietary payment gateway

USPAY Group Employee Reviews & Sales Tacitcs

Should You Work For Them?

Key Points

Uses Independent Resellers No
Telemarketing Yes
Misleading Marketing No
Discloses All Important Terms No

In-House Sales Team

USPAY Group appears to primarily utilize telemarketing, inside sales representatives, and online advertising to market its services. The company does not advertise openings for independently contracted sales agents, and there are no complaints that describe a typical “hiring mill” environment at the company. This compares favorably to our list of best credit card processors.

Some Negative Reports

There are a few USPAY Group reviews that mention persistent, aggressive telephone calls in which the caller attempted to mislead the business about their identity and intentions. Other USPAY Group complaints cite misrepresentation of per-transaction rates and nondisclosure of fees, particularly early termination fees. If you suspect that you have been charged undisclosed USPAY Group fees, we recommend seeking an independent, third-party statement audit.

Complaints From Agents

The Glassdoor profile and the comment section on this profile for USPAY Group include a handful of complaints that describe the inside sales environment as unprofessional and prone to high turnover. These factors in combination have lowered the company’s score to a “B,” which is consistent with our grade for Premier Merchant Processing.

Our USPAY Group Review Summary

Our Final Thoughts

USPAY Group rates as a better-than-average credit card processing provider according to our rating criteria. The company has received a low number of complaints related to its sales process and appears to offer fairly standard pricing and fees. We do not consider it to be an especially cheap merchant account option at this time. Businesses that sign up for service through USPAY Group are advised to steer clear of long-term equipment leases if at all possible.

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Your Comments & Reviews

How Did USPAY Group Treat You?

6 Responses

  • Melanie Farris

    Sorry Philip but you need to report on their employment issues what a scam.Number of complaints .

  • Ashley Mayland

    They pulled funds from our account that were not authorized as we sent them written notification of such, they charged us a termination fee after our initial contract of the three years was over. Compared to the processor that we switched too the PCI compliance fees and processing fees are a lot higher. Their customer service was extremely rude and unhelpful.

    This post will help: Find and Eliminate Hidden Fees From Your Monthly Bill


  • Andy Dick

    Do NOT bother working for this company. It is a turnover factory – straight from the interview w the VP Shawn, he lies to you. Pretty much ALL he does is lie. Examples –
    We are only hiring you, I like what I see!
    Lies – First day training, theres 8 other new hires in the conference room.

    Its not sales, its member services!
    Lies – Its straight cheesy telemarketing. And the “in” with customers is they are part of a mysterious “group purchasing organization” which 9 out of 10 have NEVER heard of.

    Next – micromanaging to the nth degree. The middle management jump on your call and listen when someone is interested and they mouth to you what to say. Even if you get the customer to schedule a web demo, they tell you 11 things you should have said or done. Its NEVER good enough. Also they practically stand on your lap during the call, it is EXTREMELY annoying.

    The owner Gary sits in his office and watches the cameras and listens to recorded calls. He does not go after big accounts or do much of anything to grow The business. He fishes a lot. I digress. The cameras are EVERY where. You will get spoken to about how many times you get our of your seat, critique on your BODY LANGUAGE, and yes…discuss how many times you used the bathroom and counseled on WHEN you should go. Not kidding.

    You get a script to read off of. Shawn and Gary will push for you to not use the script as a crutch and encourage you to make your pitch your own…but after they listen to your call, guess what? “See, you missed this, this and this. Why didnt you use the script, that’s what its for??”

    As for the high turnover rate – its simple: get some accounts for them amd within 3-6 months they let you go and no longer have to pay the commission. You served your purpose. This is how they build their client base. Its SO shady and just a really rotten say to do business.

    There are hidden fees that rip off the customer.

    Cannot use your cell phone at your desk which is fine, but the 4 managers sit in their phone all day, NONE of which is work related.

    And thats scratching the surface.

    Avoid this cesspool at all costs

    This post will help: How to Report Bad Credit Card Processors


  • Scott Doorn

    USPay Group has been a great processor for us. We just had a chargeback dispute. They went to bat for us. We lost the case, however, Sharii spent an hour on a phone call with me to educate on Chip Card rules, etc. and we are now in process of modifying our account so we don’t lose the next case. The education she provided was worth far more than the $60 dispute we lost. Thank you Sharii, John, and Jessica for your help through this process.

    • Hi Scott,

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

  • I ran into poor customer service when closing a business. Letters to return equipment arrived 2 weeks after the date of writing, with just days to comply. Calls were unreturned or unresolved, and without notice I was turned over to collections. Be careful with this company!

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