Before You Choose ZeerPay: Pros, Cons and Merchant Feedback

Updated: September 23, 2025

Maintained Since: May 13, 2014

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.

ZeerPay

Rating

5/5

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Pros

Comprehensive payment solutions

Mobile payment options

E-commerce support

A+ BBB rating

No termination fees

Cons

Potential equipment costs

Possible setup fees

Contract terms undisclosed

No mobile app

Limited high-risk support

Overview

In this review of ZeerPay, we take a detailed look at the company’s payment processing solutions, including credit card processing, point of sale systems, and e-commerce services. We examine their pricing, contract terms, and customer feedback to give you a clear picture of what the company offers. The review also considers fee transparency, the quality of customer support, and overall merchant satisfaction. By the end, you will have a clear understanding of whether ZeerPay is the right fit for your business’s payment processing needs.

About ZeerPay

Screen Capture of ZeerPay Homepage — ZeerPay Homepage

Formerly known as Oracle Payment Processing, ZeerPay is a merchant account provider headquartered in El Paso, Texas. ZeerPay appears to be a reseller of First Data (now Fiserv) merchant services and claims to have been serving merchants since 1992. The company also advertises Clover as a POS solution.

Products & Merchant Services

ZeerPay offers comprehensive payment processing services for major debit and credit cards. This allows businesses to accept payments from a wide range of card networks.

POS Solutions

ZeerPay provides Point of Sale (POS) solutions designed to streamline business operations. These systems help manage sales transactions, inventory, and customer interactions.

Mobile Solutions

ZeerPay supports mobile payment solutions through Clover devices. These solutions enable businesses to accept payments via smartphones and other mobile devices.

EMV Card Readers and Swipers

ZeerPay supplies EMV card readers and swipers, essential for securely processing chip-enabled cards. These devices enhance payment security and reduce the risk of fraud.

e-Commerce Solutions

ZeerPay offers e-commerce solutions, including the Payeezy payment gateway. This service facilitates secure online transactions, allowing businesses to accept payments through their websites.

Cash Advances

ZeerPay provides cash advance services, offering financial support to businesses in need of quick funding.

Customer Reviews & Sentiment

Limited Complaints

Our search across various consumer protection websites has only yielded two negative ZeerPay reviews, neither of which accuses the company of engaging in fraudulent activities. One complaint, dating back to 2010 and posted by an anonymous user, lacks specific details. Another complaint involves an unexpected $500 charge more than a year after terminating the service, which seems to be an isolated incident as no similar complaints have surfaced since. If you have had experiences with ZeerPay, we encourage you to share your review in the comments below.

ZeerPay Legal Standing

There are no reported class-action lawsuits or FTC complaints against ZeerPay at present. Clients dissatisfied with their experience are advised to report any concerns to the relevant supervisory organizations.

Customer Support at ZeerPay

ZeerPay offers dedicated phone support for its clients, which appears to effectively address complaints internally. This level of service aligns with the expectations for excellent customer service in the payment processing industry.

Industry Scores & User Ratings

Online Ratings Summary
PaymentPop	5
BBB Rating	N/A

PaymentPop Rating for ZeerPay

Negative Feedback

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

Positive Feedback

ZeerPay helped us simplify our payment process and cut down on monthly costs right away. The setup was quick, and their team made sure we understood every step. It’s been reliable, affordable, and exactly what we needed to keep our business running smoothly.

ZeerPay BBB Rating

ZeerPay currently has an “A+” rating with the Better Business Bureau and is not BBB-accredited. The company has received 0 complaints in the past 36 months. It has not received any informal reviews, although it should be noted that these reviews are not always subject to verification by the BBB.

An “A” Performance

In light of ZeerPay’s clean complaint record, we agree with the BBB’s rating. Businesses should be aware, however, that there are good reasons to be skeptical of the BBB’s rating system.

Processing Rates & Fees

ZeerPay Contract Terms

Details about ZeerPay’s rates and contract terms are not extensively available. As a First Data (Fiserv) reseller, ZeerPay’s contract terms are likely to align closely with First Data (Fiserv) standard terms. Typically, First Data (Fiserv) charges businesses processing up to $50,000 monthly a swiped rate of 2.69% plus $0.19 and a keyed-in rate of 3.69% plus $0.19. For monthly volumes above $50,000, the rates adjust to 2.29% plus $0.19 for swiped and 3.29% plus $0.19 for keyed-in transactions. Contracts usually include a $495 early termination fee, a $19.95 monthly PCI compliance fee, and long-term equipment leases through First Data Global Leasing.

However, First Data (Fiserv) allows resellers some flexibility in modifying contracts. Thus, ZeerPay might have tailored its terms to better suit its clientele. Still, businesses should view the First Data (Fiserv) structure as a reference point and be prepared to negotiate favorable terms with ZeerPay.

Virtual Terminal and Payment Gateway Pricing

ZeerPay also offers virtual terminal and payment gateway services through Payeezy Gateway. Payeezy provides two plans: the Basic Plan and Pro Plan. Both plans do not have setup fees, statement fees, or gateway fees. The Basic Plan is priced at 2.90% plus $0.30 per transaction, whereas the Pro Plan offers rates of 1.89% plus $0.23, along with a $19.95 monthly fee.

No Contract Complaints

Currently, there are no specific online complaints regarding ZeerPay’s pricing and fees. This lack of negative feedback implies that the company’s terms might be satisfactory to its clients. Those with direct experience with ZeerPay’s standard contract, especially regarding early termination fees, PCI compliance fees, monthly minimum fees, or other charges, are encouraged to share their insights in the comments below.

Employee Reviews & Sales Practices

No Sales Complaints

ZeerPay appears to market its services through affiliate resellers and independently contracted sales agents. The use of independent sales agents is typically tied to high complaint rates within the credit card processing industry due to the minimal training and oversight that these agents receive. In this case, though, we are unable to locate any ZeerPay reviews that describe deception or incompetence by the company’s sales team.

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

No Deceptive Advertising

ZeerPay also does not promote misleading rate quotes on its website. We therefore award the company an “A” in this category. If you suspect that ZeerPay’s sales team has added undisclosed fees to your account, however, we recommend seeking a third-party statement audit.

ZeerPay Competitors

Compare ZeerPay to competitors that earned top marks.

Pricing

Bottom Line

ZeerPay rates as a reliable credit card processing provider according to our rating system. The company has very few complaints across consumer protection websites, and none suggest that ZeerPay engages in ripoff practices. However, our overall rating could change as more is known about the company’s standard contract.

Even when dealing with an “A” provider, readers should diligently read all contract terms to identify any potential issues and compare ZeerPay’s pricing to that of the most reputable credit card processors. This ensures that businesses obtain the best possible rates and align with a processor that best suits their unique needs.

Read Actual User Reviews

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

Contact ZeerPay

Contact & Customer Support
CEO	David Saucedo
President	Patricia Sanchez Meade
Headquarters	1800 North East Loop 410, Suite 216, San Antonio, Texas 78217
Local Office	(210) 202-1505
Additional Support Channels	Online Contact Form
Website	zeerpay.com

About Us

CardPaymentOptions.com

Established 2009

My name is Phillip Parker, and I started this website back in 2009 as a simple blog to call out shady credit card processors that were taking advantage of small business owners. At the time, I had no idea this side project would grow into a leading voice pushing for transparency and integrity in the payment processing industry. I also didn't anticipate just how far some of these companies' owners would go to try to silence me.

I was recruited out of college for a sales role with a credit card processor. At the time, I didn't realize the “training” was really about tricking me... into selling business owners expensive processing with hidden fees and long-term service agreements. In my first few sales, I unknowingly cost friends and family thousands of dollars after they trusted me to switch their services. When it finally clicked that something was seriously wrong, I was furious. I quit immediately and made a promise to expose that company and any others operating the same way. That promise is what led to the creation of this website.

As I wrote about these processors, their tactics, and the people behind them, the articles started to spread among business owners. News organizations picked up the stories, readers shared them online, and traffic to the blog took off. Unsurprisingly, that also caught the attention of the companies and individuals I was exposing.

Over the last 17 years, I've received several anonymous death threats and defeated four lawsuits meant to intimidate me into taking my blog down. Their efforts to muzzle me only made my determination to expose them even stronger, leading me to work with state authorities to help shutdown some of the worst offenders.

I'm proud to say that of the millions of people who have read my work, thousands have taken the time to write and thank me for helping them narrowly avoid a very costly mistake. This blog has played a small role in pushing the industry toward more ethical practices - but there are still bad actors out there, which means the work isn't done.

If I can offer one piece of advice, it's this: get every promise in writing, and take the time to review contracts carefully. Tools like ChatGPT can help surface red flags and uncover expensive surprises buried in the fine print.

If you've made it this far, thank you for reading. I truly appreciate you being here, and I wish you every success with your business.

Our Research Methodology

Pricing & Fees

We analyze all costs including rate structures (interchange-plus, tiered, flat-rate, etc), monthly fees, equipment costs, early termination fees, and hidden charges. This data is gathered from service agreements, statements and client feedback.

Features & Technology

Evaluation of POS systems, e-commerce integrations, mobile capabilities, reporting tools, recurring billing..., and developer resources. When possible, we directly test services and hardware. Otherwise, we rely on client feedback and public information.

Customer Support

We evaluate availability across phone, email, chat, and social channels. Measuring hold times, night and weekend availability, and client feedback regarding effectiveness, professionalism, and resolution rates.

Contract Terms & Conditions

We review service agreements and equipment contracts for reasonability, transparency, and fairness. We focus on uncovering any predatory clauses, such as unjustified early termination fees, hidden costs, and unclear cancellation policies.

User Experience

We comb the internet and interview current and former clients to evaluate the overall user experience and identify any common pain points that may impact the user experience.

Sales & Marketing Practices

We evaluate sales tactics, marketing materials, and client feedback to determine the level of transparency and ethical nature of the provider's approach. Does the provider publicly disclose pricing? Do they use teaser rates? We score based on these and other factors.

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