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Zuma Payroll & Processing Review: Fees, Complaints, & Lawsuits
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Zuma Payroll Services and Payment Processing
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.
Zuma Payment Processing
Zuma processes all major debit and credit cards for most business types. They primarily function as a payment processor in regard to company payroll.
Zuma Payroll & Processing Location & Ownership
Chris Caputo is the CEO and Scott Evans is co-founder of Zuma Payroll & Processing, which is headquartered at 175 Broadhollow Rd, Suite 190, Melville, New York 11747.
Zuma Payroll & Processing Review Table of Contents
- Costs & Contract: Zuma Payroll & Processing offers variable contract terms depending on each merchant’s business type and processing history.
- Complaints & Service: Zuma Payroll & Processing complaints number fewer than 10 on public complaints forums.
- BBB Rating: Zuma Payroll & Processing has an “A+” rating and has received 0 complaints in the past 3 years. The company has been accredited by the Better Business Bureau since 2016.
- Sales & Marketing: Zuma Payroll & Processing does not appear to hire independent sales agents and has not received any complaints about its sales practices.
Zuma Payroll & Processing Customer Reviews
Here's What Their Clients Say
|Total Online Complaints||<10|
|Live Customer Support||Yes|
|Most Common Complaint||N/A|
Clean Complaint Record
We are currently only able to locate 1 negative Zuma review, which is a strong indication that the company is not a scam or a ripoff. Zuma appears to focus its marketing efforts primarily on the Long Island area, which may mean that it does not have a very large customer base at this time. This would naturally limit the number of positive or negative reviews posted about the company. It’s also possible that a number of complaints that would be posted about Zuma are instead filed against its backend processor, whichever company that may be. In any case, the lack of Zuma complaints suggests that the vast majority of Zuma merchants are satisfied with the service they receive.
We have not found any outstanding class-action lawsuits or FTC complaints filed against Zuma Payroll & Processing. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
Zuma Customer Service Options
The company offers customer support phone numbers and a contact form on its website.
We have located multiple Zuma Payroll & Processing customer service numbers:
(888) 686-0080 – Toll-Free General Customer Service
(516) 750-1217 – Fax
Zuma also offers a support form and a customer service email address, which is [email protected].
This said, Zuma’s available communication channels are a bit lacking when compared to top-rated payment processors for great customer service.
Zuma Payroll & Processing Online Ratings
Here's How They Rate Online
No BBB Complaints
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 complaints since 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.
Zuma Payroll & Processing Fees, Rates & Costs
A Closer Look at The Contract
|Swiped Rate||1.00% - 4.99%|
|Keyed-in Rate||1.00% - 4.99%|
|Early Termination Fee||Undisclosed|
|PCI Compliance Fee||Undisclosed|
|Equipment Lease Terms||Undisclosed|
Potentially Bundled Pricing
There is very little publicly available information about the standard Zuma Payroll & Processing contract. The company does not disclose pricing details on its website, and we are currently unable to find any merchant feedback that mentions specific rates or fees. Zuma advertises that it sells its credit card processing solutions and its payroll software in a bundle, so it’s possible that it may offer a single pricing structure for both products. Alternatively, the company may have separate contracts for both services.
No Contract Complaints
In the absence of any Zuma complaints that mention excessive or undisclosed fees, we will award the company an “A” at this time. Merchants should still compare Zuma’s pricing to the cheapest merchant account providers to get the best rates. If you have any specific knowledge of the standard Zuma contract (including any PCI compliance fees or early termination fees), please share that information in the comment section below this review.
Zuma Payroll & Processing Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Employs Independent Resellers||Unknown|
|Advertises Deceptive Rates||No|
|Discloses All Important Terms||No|
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.
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