VizyPay Review: Fees, Complaints, Comparisons, & Lawsuits

Rates as Low as 1.7%, No Monthly Fees, No Contract, 24/7 Support. See Who It Is Now.

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PhonePhone1 (855) 999-4142 View Pricing

A Full-Service Merchant Account Provider

Founded in 2017, VizyPay is a merchant account provider that serves most standard-risk business types. The company was a reseller of First Data, including Clover point of sale products, but in 2021 it launched its own POS app called VizyPOS. This app pairs with PAX machines. The company also provides cash discount pricing plans in lieu of traditional merchant account pricing. In 2020 VizyPay acquired Echo Daily, a POS and payment solutions company.

VizyPay Payment Processing

VizyPay processes all major debit and credit cards for most business types. Their services include POS solutions, mobile payments, cash discounts, and access to e-commerce solutions including virtual terminals.

VizyPay Location and Ownership

VizyPay is headquartered at 2565 SE Encompass Dr. Suite 210 Waukee, IA 50263, and is a registered ISO/MSP of Wells Fargo Bank NA, Concord, CA. Austin Mac Nab is the CEO and founder of VizyPay.

VizyPay Review Table of Contents

  • Costs & Contract: VizyPay offers a month-to-month contract with interchange-plus pricing and no early termination fees.
  • Complaints & Service: VizyPay complaints number fewer than 10 on public complaints forums.
  • BBB Rating: VizyPay currently has an “A+” rating with the Better Business Bureau and has received 0 complaints and 3 reviews in the last 3 years.
  • Sales & Marketing: VizyPay hires independent sales agents but has not received any complaints about its sales practices.
these processors announce that they now sync with quickbooks

VizyPay Reviews and Complaints

Here's What Their Clients Say

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint

No Public Complaints

We are currently unable to locate any VizyPay complaints that accuse the company of being a ripoff or a scam. In fact, the credit card processor is showing only positive reviews across various consumer protection websites. This seems to indicate that VizyPay employs a proactive and available customer support team. If you have a VizyPay complaint to make, please do so in the comment section below.

VizyPay Lawsuits and Fines

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

VizyPay Customer Service Options

The VizyPay website lists dedicated customer support contact information in addition to general contact information. We will award VizyPay an “A” rating in this category because its customer support options are on par with top-rated customer service processors.

We have located multiple VizyPay customer service phone numbers:

(855) 999-4142 – Toll-Free Support
(888) 899-0918 – Inside Sales

VizyPay BBB Rating and Report

Our Better Business Bureau Profile Assessment

BBB Summary

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

Clean Complaint Record

VizyPay has an “A+” rating with the Better Business Bureau and has been accredited since 7/6/2020. The company has not received any complaints in the past three years. It has received 3 positive informal reviews.

What Merchants Say

VizPay has received 3 informal reviews, all positive in tone. Unlike complaints, reviews are not subject to verification by the BBB.

An “A” Performance

Given the company’s clear complaint record, we agree with the BBB’s rating at this time. Merchants should note, however, that there are good reasons to be skeptical of the BBB’s rating system.

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VizyPay Fees and Rates

A Closer Look at the Contract

Don't Fall Into An Expensive Trap. See Who The Worst Processors Are.

Cost Summary

Swiped Rate
IC + 0.35% + $0.10
Keyed-In Rate
IC + 0.45% + $0.15
Monthly Fee
$15 Per Month
Account Closure Fee
PCI Non-Compliance Fee
$19.95 Per Month
Equipment Lease Terms

VizyPay Contract Terms

The standard VizyPay program guide details a three-year contract through First Data with an unspecified early termination fee. However, VizyPay notes in its promotional materials that it offers a month-to-month agreement with no cancellation fees. Merchants should therefore double-check their merchant application to ensure that they can terminate at any time without penalty. VizyPay fees also include a charge for interchange plus 0.35% plus $0.10 for retail transactions, a $15 monthly fee, a $19.95 PCI non-compliance fee, and a $50 account closure fee.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, VizyPay also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. The company charges interchange plus 0.45% plus $0.15 for e-commerce transactions. Additional fees, including gateway fees, technical support fees, and batch fees typically apply to these e-commerce services.

Built-In Equipment Lease

The standard VizyPay contract formerly included a built-in lease for Clover payment processing equipment through First Data Global Leasing, though with their expansion to PAX machines it’s unclear if this is still baked into the VizyPay contract. These lease terms are known to last as long as 60 months and ultimately cost far more than the actual purchase price of the leased equipment. VizyPay’s promotional materials claim that the company does not lease any equipment, but merchants should ensure that this language is present in their contract. We advise merchants to purchase their point-of-sale equipment up front and to never lease when possible.

No Red Flags

The total absence of complaints about the company’s contract terms merits an “A” in this category, and VizyPay’s contract terms are competitive with the cheapest merchant accounts in the industry.

We also encourage merchants to check out our list of the providers of the best merchant accounts.

VizyPay Jobs and Employment

Hiring Standards and Ethical Marketing Assessment

Audit Your Current Statement To Find Its Hidden Fees

Processing statements are intentionally complicated so that they can overcharge you. Get clarity before you switch.

Key Points

Employs Independent Resellers
Advertises Deceptive Rates
Discloses All Important Terms

Inside/Outside Sales Team

VizyPay appears to rely on a combination of independently contracted sales agents and in-house staff to market its services. There is no evidence at this time that the company’s sales team is incentivized to deceive merchants, and we are unable to locate any VizyPay complaints that report unethical behavior by the company’s sales staff.

This compares favorably to our list of best credit card processors.

No Misleading Quotes

VizyPay does not list any misleading rate quotes or unrealistic guarantees in its official materials. In fact, it clearly discloses its interchange-plus rates for all business types, which is as transparent as pricing can get. If you suspect that VizyPay is charging you undisclosed fees, we recommend seeking a third-party statement audit to eliminate hidden charges.

VizyPay Review Summary

Our Final Thoughts and Opinions

A Reliable Option for Most Merchants

According to all available information, VizyPay rates as a dependable merchant services provider. The company is open about its pricing, which is competitive by industry standards. Even when dealing with companies that rate highly by our criteria, we urge merchants to thoroughly examine the terms of any contract they are given and to compare its pricing to top-rated merchant account providers.

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VizyPay Competitors

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Customer & Employee Reviews

What Others Are Saying About VizyPay

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8 Responses

  • Andy

    None of these statements are true. VizyPay is a wonderful company. They have unmatched support – their Agent program has a very aggressive Schedule A, they cherish their sales teams. You won’t find a more honest merchant service provider. I’ve been in the business for 10 years – I’m speaking from experience.

  • Doug Demiro

    A1 Moving and Supplies

    Vizypay is a scam, plain and simple. They falsely claim to be bigger and better than what they really are. Paid for awards, an immature and dishonest CEO and a convict VP. Do your homework before signing or working for Vizypay! You have been warned!

  • R Martin

    Archaic Design Inc

    Bullshit Company sales rep lied and they got $1000 dollars from me never got a copy of contract rates were supposed to be $15 per month and the rest goes back to our customers 2% we ran a customer charge and it was 3.85% almost $400 the customer had to pay WTF? Rep had me sign a few papers it was under $20 a month if we hadnt any chages. i was with NAtional Bankcard and haVE EVERY EMAIL FROM THEM AND THEY ONLY CHARGED me $25 per month Vizypay has taken out illegaly $65-85 per month sales rep is no longer there been trying to get ahold of somebody and nothing till a few weeks ago. we didnt even have a login to do pci and got charged for that they sent me a contract for 50 per month. ???? WTF NB was charging only $25 i told rep that explicitly and the pages where there is pricing does not have my signatures or initials. i will be reporting them

  • Michael Russell

    Thinking about selling for Vizypay. Would like to hear the pro’s and cons

  • Sharon. Wright

    Are you saying stay away from Vizypay? Just want to verify. Was thinking of going with tbem.

  • Amber Johnson

    Thank you Peter! I was considering a Sales Rep job with these folks. So glad I did my homework before I applying. And thank you, for the historical research published here. I have had past dealing with both First Data, and Wells Fargo, and both left a bad taste in my mouth. (That was my first red flag). But when I saw Peter’s posting….well, let’s just say, the warning will be well heeded.
    Thanks again to you both.

  • Peter Bellanton

    Stay away from this company. They have false leading partner agreements and also are old Cpay directors from the Cpay that abandoned all of us. They are FIRST DATA ISO NOT DIRECT! They won’t pay you direct, they are not paying true residuals. They say it’s 50% split when it’s 50-50-50%.

    • Mike

      Yet the Vizypay program guide you can look up on here CLEARLY says it’s a 3 year term. They also offer leasing and this page review says there’s “no red flags??” Seems legit.


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About The Author

Phillip Parker is the creator and author behind this website. He has over 15 years of experience in the credit card processing industry as a journalist, consultant, and former merchant account sales professional. He started this project as a blog to expose merchant services providers that engage in predatory business practices, such as deceptive marketing, misleading pricing, and high-pressure sales tactics. His goal is to help business owners find merchant account providers who serve their industry well while offering fair rates with no junk fees and no long-term commitments.

Phillip has researched over 1,000 payment processors and been quoted in numerous high-profile publications, including the Los Angeles Time, INC Magazine, The Atlantic, and the Miami Herald among others.

Need advice on card acceptance? Schedule a consultation with Phillip.

Phillip’s Top Processor Picks:
Retail, restaurant, e-commerce, mobile, professional services, and invoicing, Phillip recommends Helcim and CDG Commerce.

High-risk businesses, Phillip recommends PaymentCloud and Host Merchant Services.

How Our Ratings Work

Please note that our rating system was overhauled on April 26th, 2023. Reviews dated before this date may not score in accordance with the following.

Star Rating Criteria:

At the start of our research, all processors are awarded five stars. We deduct stars if the processor engages in any of the following:

– One star deduction if the processor has any junk fees.

– One star deduction if the processor does not post its pricing clearly on its website.

– One Star deduction if the processor is suffering from moderate client complaints.

– Multiple Star deductions if a processor is suffering from severe complaints, imposes unjust cancellation fees, markets non-cancellable equipment leases, engages in predatory rate pricing, or may be engaged in illegal activities.

Get all of the details regarding out rating criteria here.

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