VizyPay Review

Pros

• Transparent pricing
• Month-to-month billing
• Multiple cash discount programs
• Full line of Clover devices
• Excellent customer support

Cons

• Accepts US-based merchants only
• Not suitable for high-risk businesses

What Is VizyPay?

VizyPay is a merchant account provider that offers debit and credit card processing, point-of-sale systems, a virtual terminal, and working capital loans. The company provides its services on a month-to-month basis with no long-term contracts and has an excellent public reputation — a combination now offered by most of the best credit card processing providers.

Along with a traditional pricing model featuring interchange-plus pricing, VizyPay offers a cash discount program. Cash discounting works by adding a charge to the price of your goods prior to purchase while giving cash-paying customers a discount. VizyPay also offers a hybrid program that partially covers payment processing costs. We’ll delve into the program’s details in this VizyPay review.

Is VizyPay Legit?

VizyPay offers legitimate payment services with transparent pricing. The company is overwhelmingly well-received by merchants on review sites and currently has zero complaints filed against it with the Better Business Bureau.

All told, we can confidently state that yes, VizyPay is legit.

Products & Services

VizyPay is a credit card processor and merchant account provider — technically, it is a reseller of Fiserv merchant accounts — but the company’s full range of merchant services extends well beyond payment processing.

The quality and quantity of VizyPay’s merchant services and its advanced cash discounting options earn the company high marks in this category. If the company offered a bit more to eCommerce merchants, it could boost this rating further.

Here’s what VizyPay can do for your business.

Fees & Rates

We appreciate the number of options VizyPay gives merchants seeking a way to offset the costs of payment processing. Though you’ll face a number of ancillary fees with VizyPay’s pricing programs, these fees are all disclosed with a degree of specificity that you don’t normally see from a merchant account provider, so we’re giving the company excellent marks in this area.

Pricing Overview

The lowest-cost equipment you can purchase from VizyPay is the SwipeSimple Bluetooth card reader, while Clover devices can cost up to several thousand dollars—or be financed with a monthly payment plan.

Monthly Plans

The distinction between the Cash Discount and Dual Pricing plans is somewhat blurry, as they both involve passing 100% of credit and debit card processing costs to customers (which is why these program types are often referred to as “zero-fee” credit card processing or just “free credit card processing“). However, the two processing models have slightly different compliance requirements—Dual Pricing compliance requirements are stricter—and VizyPay notes that Dual Pricing is especially suited to gas stations.

Extra Costs

If you opt to use Clover POS, you will have to pay an additional monthly software fee from Clover. If you need virtual terminal access, you will be charged a monthly fee as well.

VizyPay also lists various other incidental fees and fees for optional add-ons:

Sales & Advertising Transparency

VizyPay discloses all costs and fees associated with its various pricing plans and POS options on its website. Plus, feedback from merchants indicates that VizyPay doesn’t rely on the shady high-pressure sales tactics still employed by many companies in the industry. VizyPay earns an excellent score in this category.

VizyPay has an active presence on social media. Its Facebook, X/Twitter, Instagram, LinkedIn, and Pinterest accounts are appropriately active. Its YouTube channel offers help with lots of deep-in-the-weeds merchant tasks (such as applying discounts with a Clover Station or how to do a manual entry on a Dejavoo terminal). You’ll find VizyPay help videos in Spanish, too.

Contract Length & Early Termination Fee

VizyPay proclaims, “We don’t believe in contracts” on its website. Instead, the company offers month-to-month agreements for its services. As such, there are no early termination fees (ETFs) or monthly minimums to worry about. If you don’t like VizyPay, you can go another way within a month. You only need to pay a very reasonable account closure fee (see “Fees & Rates section).

Customer Service & Technical Support

VizyPay offers 24/7 customer support via phone and email. Feedback from merchants regarding the company’s customer support is almost universally glowing. Merchants seem genuinely enthusiastic about how the company treats them when a question comes up. We’re happy to give VizyPay an excellent customer service rating.

VizyPay’s self-help resources are also impressive, featuring an extensive online knowledgebase is split into sections for Point Of Sale Solutions, Terminal Solutions, and Customer Support. The first two sections deal with questions about the terminals, POS systems, and payment gateways used with VizyPay’s processing services. The Customer Support section offers support for cash discounting questions, PCI compliance, and the like.

User Reviews

VizyPay reviews posted by merchants are almost unanimously positive, even raving. VizyPay earns an exemplary score in the user reviews category.

The company earns the following user rating averages at popular review sites:

• Trustpilot: 4.9/5 based on 2,375 reviews
• Facebook: 4.9/5 based on 52 reviews
• Google Reviews: 4.6/5 based on 243 reviews

While the company currently has one poor review and one good review posted to its unaccredited BBB page, the company has no actual complaints posted over the past three years and has an A+ rating.

Final Verdict

VizyPay offers the full line of Clover devices, an in-house POS app that works with PAX equipment, and online payment gateways to go along with its payment processing, and all rates and fees are fully disclosed. Plus, its cash discount programs stand to benefit certain types of retail businesses financially.

Perhaps more impressively, VizyPay’s users report overwhelmingly positive experiences with the company’s services, pricing, and, particularly, its technical support and customer service.

With a few more features on offer — perhaps more eCommerce features — VizyPay could boost its score even further. Furthermore, low-volume merchants may be better served by going with a payment service provider such as Square or PayPal. For a wide array of retail businesses and restaurants, though, VizyPay is a superb merchant services solution.

Credit Card Processor Review Methodology

We evaluate and test each payment processor that we review at Merchant Maverick, placing special emphasis on certain key characteristics in order to generate our granular ratings for merchant accounts and credit card processors.

For payment processing reviews, we use a 24-point rubric to evaluate the provider. First, we look at pricing structure – interchange plus, subscription-based, tiered, or hybrid – giving the most points to providers that provide fair, transparent pricing and docking those that rely on tiered models. Then we examine rates, the presence and transparency of early termination fees, and any additional fees.

We also look at contract length and fairness and test out sales staff and customer service channels ourselves to ensure that the company uses reputable, above-the-board sales techniques. Finally, we take the company’s online reputation into account, reading customer reviews and comments.

Read more about how we rate payment processors.

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With Helcim, you get everything you need to accept credit card payments online or in-person with a free account, plus high-quality support from real humans. Start For Free.