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Zuma Payroll + Merchant Services Review: Is It Worth It?

Name: Zuma Payroll & Processing
Item: Zuma Payroll & Processing
Rating: 5
Author: Phillip Parker

Author: Phillip Parker

Updated: September 26, 2025

Maintained Since: September 23, 2015

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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.

Zuma Payroll & Processing

Rating

5/5

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Pros

Comprehensive payroll services

Cloud-based platform

Customizable industry solutions

Dedicated customer support

A+ BBB rating

Cons

Undisclosed pricing details

Potential hidden fees

Possible rate increases

Transparency concerns

No 24/7 support

Overview

In this review of Zuma, we take a closer look at their payment processing services. Their offerings include point-of-sale systems, mobile payment tools, and e-commerce features built to support various businesses. We’ll highlight which business types may benefit most from these features. We’ll also review client and customer feedback to spot common trends and concerns. In addition, we’ll cover pricing, contract terms, and what’s included. By the end, you’ll know whether Zuma is a solid choice for your payment processing needs.

About Zuma Payroll & Processing

Screen Capture of Zuma Homepage — Zuma Payroll & Processing Homepage

Zuma Payroll & Processing, also known as Zuma Merchant Services, is a Garden City, New York-based merchant account provider that specializes in payroll processing solutions for businesses. It is likely that the company is a reseller of a larger credit card processor’s contracts, but the identity of this processor is not disclosed on Zuma’s website. Zuma also does not list its acquiring bank on its website.

Products & Merchant Services

Payment Processing

Zuma handles the processing of all major debit and credit cards for various business types, with a primary focus on serving as a payment processor for company payroll.

Customer Reviews & Sentiment

Clean Complaint Record

Our search reveals only a single negative Zuma review, suggesting the company is likely not a scam or a ripoff. Zuma’s marketing focus appears to be primarily in the Long Island area, potentially contributing to a smaller customer base and, consequently, fewer reviews. It’s also possible some complaints intended for Zuma might be directed at its backend processor. Nevertheless, the scarcity of Zuma complaints indicates a high level of merchant satisfaction.

Zuma Lawsuits

No class-action lawsuits or FTC complaints have been discovered against Zuma Payroll & Processing. Merchants looking for non-litigious means to address grievances are advised to report to supervisory organizations.

Industry Scores & User Ratings

Online Ratings Summary
PaymentPop	5
BBB Rating	N/A

PaymentPop Rating for Zuma

Negative Feedback

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

Positive Feedback

Zuma has completely simplified how we handle office supply procurement. The interface is clean, orders are fast, and our whole team saves time by not jumping between vendors. It’s efficient, cost effective, and makes purchasing way less of a headache.

Zuma Payroll & Processing BBB Rating

Zuma Payroll & Processing current has an “A+” rating with the Better Business Bureau and has been BBB-accredited since May 2016. The company has received 0 complaintssince its profile was created.

An “A” Performance Overall

In light of these figures, we agree with the BBB’s rating at this time. Merchants should be aware, however, that there are valid reasons to be skeptical of the BBB’s rating system.

Processing Rates & Fees

Potentially Bundled Pricing

The specifics of Zuma Payroll & Processing’s standard contract remain largely unpublicized, with no clear pricing details available on their website. There is also a notable absence of merchant reviews detailing specific rates or fees. Zuma promotes a combined offering of its credit card processing solutions alongside its payroll software, indicating the possibility of a unified pricing model for both services. However, it’s also feasible that Zuma maintains distinct contracts for each service.

No Contract Complaints

Given the lack of complaints relating to Zuma’s fees or contract terms, the company receives an “A” rating for now. Nonetheless, merchants are encouraged to diligently review Zuma’s offerings in comparison to other affordable merchant account providers to ensure competitive pricing. If you possess detailed insights into Zuma’s contractual terms, including any PCI compliance fees or early termination fees, your contribution in the comments section would be greatly appreciated.

Employee Reviews & Sales Practices

No Sales Complaints

Zuma appears to primarily utilize traditional advertising and strategic partnerships to market its services. There is no evidence at this time that the company employs independent sales agents, and we have not found any Zuma reviews that accuse the company’s sales team of deceptive tactics.

No Misleading Advertising

As an additional point in the company’s favor, Zuma does not list any misleading rate quotes or unrealistic guarantees in its official materials. We have therefore assigned the company an “A” rating in this category. If you suspect that Zuma is charging you undisclosed fees, however, we recommend seeking an independent statement audit to spot hidden charges.

Zuma Payroll & Processing Competitors

Compare Zuma Payroll & Processing to competitors that earned top marks.

Pricing

Bottom Line

Zuma ranks as a dependable credit card processor according to our rating criteria. With zero complaints reported on consumer protection websites, the company demonstrates a commitment to customer satisfaction and transparency, steering clear of deceptive advertising practices. However, since we currently cannot verify Zuma’s standard pricing and contract terms, it’s essential that merchants thoroughly review all available documentation before applying for a merchant account. To ensure they secure the best possible deal, merchants are advised to compare Zuma’s pricing against the offerings of top-rated overall merchant services providers.

Read Actual User Reviews

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

Contact Zuma Payroll & Processing

Contact & Customer Support
Co-founder	Scott Evans
CEO	Chris Caputo
Headquarters	175 Broadhollow Rd, Suite 190, Melville, New York 11747
Toll-Free General Customer Service	(888) 686-0080
Fax	(516) 750-1217
Additional Support Channels	Online Contact Form
Website	zumapay.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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