PayAnywhere Review
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- Date Established
- 2010
- Location
- Troy, MI
Pros
- Free card reader (magstripe + chip card)
- Free mobile processing app
- Free virtual terminal
- Good for low-volume merchants
- 24-hour funding available
Cons
- Untransparent tiered pricing
- Numerous public complaints
- Poor customer support
- Limited pricing disclosed online
- Deceptive sales tactics
Overview
PayAnywhere is facing a tough market since mobile processing continues to be an awfully competitive segment of the credit card processing industry. If a company doesn’t offer a truly unique product or service, chances are it’s just not going to cut it. More and more, merchants are looking for integrated solutions — ones that can harness the best of all the options and provide a seamless experience. The customer service needs to be spot on too.
PayAnywhere was established in 2010 by credit card processing company North American Bancard. In the beginning, PayAnywhere just felt like a knockoff of Square but without the refined and sleek appeal. PayAnywhere has historically suffered from the same shortcomings as Square, namely lackluster customer support and poor account stability, with long-term holds happening quite often.
Back in January 2017, the company announced a “new” PayAnywhere, with a new focus on “the commerce that connects us.” It came with a brand new version of the app, new features, and a snazzy-looking new logo. It was more than just a token baby step forward, but was it enough to keep PayAnywhere competitive?
PayAnywhere is trying. We last reviewed the app shortly after the company’s announcement, so we couldn’t gather much data on whether it’s improved. Since our last review, PayAnywere has simplified its plans, and the website now has a very clean feel. But, when you dig a little deeper, its customer support and sales don’t seem to have reformed much. There are plenty of easy ways for a credit card processing company to earn a poor rating. For one, gimmicky equipment offers that include “free placement,” but there’s a monthly fee for the software needed to run the “free” equipment. For another, a complicated agreement with an unclear and completely different pricing structure that automatically kicks in once you process over a certain amount per year. And don’t forget about poor customer service. PayAnywhere continues to flirt with all of these.
PayAnywhere’s customer and tech support do not seem to have improved on their knowledge of the services and equipment, though they do seem to have improved on friendliness. Someone does answer complaints on rating websites and invites the merchants to call customer/tech support for help. But it’s also pretty clear that when people do have problems, they’re unlikely to get a resolution.
As to the contract, there’s much room for improvement just on the clarity of the language itself. Substantively, once you process over $100k on a rolling 12 months period on Visa, Mastercard, Discover, or PayPal, you are automatically switched over to a merchant account agreement. That agreement comes complete with tiered pricing, hefty early termination fees, and multiple monthly charges and penalty fees. Other than in the contract itself, none of this is disclosed on the website.
Smaller merchants who are confident that they will never process over a certain amount may find a good deal with PayAnywhere, but many others will not. Be careful and make sure that this service will work for your card processing needs, and make sure you read and understand every bit of your contract.
PayAnywhere scores a mediocre 3 out of 5 stars. The features continue to be right; there’s no question there. The Pay As You Go plan also continues to be a good plan. But we haven’t seen improvement elsewhere. The reliability of the service remains doubtful, customer support appears to be equally dubious, and if you’re interested in that “free placement” hardware that comes with the Custom plan, you can probably find a better deal elsewhere without having to pay monthly software usage fees. Plus, the lack of disclosure on the Custom plan and the lack of warning on the website about the automatic switch over to a more complicated contract is a poor sales tactic that destroys trust.
All of this is too bad. It’s pretty clear that some folks at PayAnywhere are trying hard to improve, and it does have a good product. Unfortunately, its execution hasn’t improved and in some aspects has gone backward.
Check out our full PayAnywhere review below for a complete analysis! If you are a current or former PayAnywhere customer, share your thoughts about it in the Comments section below!
Table of Contents
Products & Services
PayAnywhere has tweaked its pricing structure since our last review. It still has two plans, but they’re not the same as the old plans. For the new plans, the key concept is whether you fall above or below processing $10k/month. If you process below $10k/month, then you can get the Pay As You Go plan. If you process above $10k/month, you can sign up for the Custom plan. According to the Support page, the $10k/month is a suggested upper/lower limit and not a hard requirement for either plan.
With either plan, you get access to the following software:
- PayAnywhere Inside: online services hub
- PayAnywhere App: mobile point of sale software
- PayAnywhere SDK: the software developer’s kit for in-app purchases
With either the Pay As You Go or Custom plan, you get the following services for free:
- Offline Transactions: If you are using the mobile processing app at a location with poor reception, you can still take the payment card information, then send the transaction to PayAnywhere when your reception has improved.
- Customers: You can get insight into your customer’s behavior by seeing their spending amount, visit frequency, and whether they’re repeat purchasers. You can ask for the customer’s feedback by printing an automatic message on their receipts.
- Reporting: You can generate many types of reports based on all the data the software tracks to see various trends, such as sales volume, payment type, customers, employees, and inventory. You can create a transaction, refunds, and deposit reports as well as export them to third-party accounting software, such as Quickbooks. You can view these reports from a computer, from a mobile device, and even from a wearable.
- Dispute Management: You can view and manage chargeback activity, upload supporting documentation, and receive notifications when action is required.
- Open Tickets & Tabs: If you operate a restaurant and wish to create open tickets for food or drink orders, you can use the Open Tickets & Tabs feature to help you add items or tips to an order.
- Employees: You can hire, schedule, and pay your staff through the PayAnywhere Inside hub. You can designate employees as administrators, managers, cashiers, or staff with customizable levels of access. Through these roles, you can control who gets access to what information (e.g., employees can view their timesheets, but only managers can view sales reports) and who can operate cash registers. You even get a free integration with the PayAnywhere Homebase, so you can schedule, track time, and process payroll for your employees.
- Inventory: With the PayAnywhere inventory tracking feature, you can store your catalog in the cloud and track product availability from any terminal or mobile device. If you currently track your inventory through some other method, you can bulk import the file into the PayAnywhere inventory tracking feature. As you make a sale, the item is automatically deducted from your inventory, so you’ll know when to restock. You can place items into different categories (e.g., luggage, jewelry, etc.), add different modifiers (e.g., large, medium, small), and set discounts. You can even use bar code scanners to scan and add items to an order. Lastly, you can generate reports to see how your merchandise is performing.
- Next-Day Funding: Like other third-party processors, PayAnywhere can provide next-day funding to its merchants. Funds processed by 10 PM Eastern Time will be funded the next business day. Funds processed after Friday 10 PM Eastern Time will be funded the following Monday. All funds will be deposited less processing fees. On various rating websites for the PayAnywhere service, we continue to see merchants report late funding, but it’s difficult to tell if the issue is with PayAnywhere, if the merchant simply processed the transaction after the daily cut off time, or if PayAnywhere was withholding funds due to chargeback concerns.
PayAnywhere App Features
The PayAnywhere app is a free download from either the App Store or Google Play. The app allows you to access all of PayAnywhere’s services, as long as you have wireless reception. We’ll go through some of the major features below, but note that the app has a “Test Drive” feature, so we encourage you to download the app to your phone or tablet and test the software out yourself.
When you open up the app, a numeric keypad ready to take a new transaction appears. On the upper right-hand side, there’s a small receipt icon. Tapping on it will print your receipt on any Bluetooth printer synced to your mobile device. Below the numeric keypad, three more icons allow you to select from either a cash payment, a credit card keyed sale, or Alipay.
On the upper left-hand side, there is a “hamburger” menu of three short vertical stripes. Tapping on it takes you to the main drop-down menu where you can select from the following items:
- Account Profile: Here, you find your account information as well as your status (e.g., owner, administrator, cashier, etc.).
- New Sale: This is the main credit card processing menu. It includes a numeric keypad where you can enter such things as card numbers or cash amounts. You can also select to pay with cash, a keyed-in credit card, or Alipay, and also to print, email, or text receipts. This menu can be displayed in Retail View or Terminal View (switchable under the Settings menu). In Terminal View, you can also pick from pre-selected “express items,” apply automatic discounts, scan items, and find an item from various categories of inventory (e.g., accessories, bags, sunglasses, etc.). And, of course, check the customer out in a shopping cart, including through a swiped/tapped/dipped payment card, keyed-in credit card, cash, or Alipay. You can split payments as well if your customer(s) wish to pay with two different methods or cards.
- New Pre-Auth: You can set up a pre-authorization from this section. A pre-authorization holds funds on a customer’s card and charges them later when the invoice is finalized. Hotels, for instance, like to use pre-authorizations to reserve a room when you book. PayAnywhere’s pre-auth lasts for 120 days. Pre-auth isn’t a common feature in mobile processing apps, and it’s interesting to see.
- Transactions: Here, you can see a list of all your transactions, including credit card sales, refunds, and cash sales. You can also access a list of pending transactions and adjust a ticket to add tips.
- Reports: You can access a whole host of sales reports from this section. The reports can be displayed as graphs or charts by amount, by item, by payment method, etc. You can filter them by date and compare the reports to each other.
- Settings: Here, you can
- Toggle between the Retail and Terminal display themes
- Manage how your receipt looks through various settings — e.g., include your company logo, solicit customers reviews, display various social media buttons, etc.
- Enable the Open Tickets & Tabs feature
- Set default sale options on the New Sale screen
- Select to accept certain private label cards
- Enable a cash discount feature that automatically reduces the price if the customer pays in cash
- Select whether you require a customer signature on receipts
- Select to display various tip amounts
- Allow the app to access your device’s geolocation feature to detect the sales tax percentage at your location automatically
- Manage various hardware synced to the app
- Help: Information on how to reach customer support (phone, email), FAQ, knowledgebase, and videos can be accessed here.
These features were pretty advanced for mPOS systems two years ago, and they continue to be in the upper echelons of mPOS systems today. PayAnywhere is not going to unseat Square, however, because Square rolls out new features very quickly. Nevertheless, PayAnywhere’s software and services hold their own against Square’s services.
PayAnywhere Hardware & Compatible Devices
PayAnywhere offers a variety of credit card readers, terminals, and peripherals (cash drawer and printer). There’s a way to get some of this hardware for free. For the terminals, you will have to pay a setup fee and a monthly software fee. More details below.
If you are a first time customer of PayAnywhere, you can get a basic Bluetooth 2-in-1 magstripe and EMV mobile reader for free. If you need more of these readers, you’ll have to pay about $30 each. You can also upgrade to a Bluetooth 3-in-1 magstripe, EMV, and NFC mobile reader for about $50. These readers connect via Bluetooth to your smartphone or tablet that is running the PayAnywhere App.
If you wish to have something more permanent, you can buy various POS terminals from PayAnywhere as well. The smallest of these terminals is a handheld wireless device called the Smart Terminal. It comes with an integrated magstripe, EMV, and NFC reader and has a touchscreen keypad for accepting PIN debit transactions. It even has a scanner and a receipt printer. You can buy the Smart Terminal for about $350 (price at this writing). For about $550 (at this writing), you can buy a slightly larger device called the Smart Flex. It has all the functions of the handheld Smart Terminal, except it is larger and has a customer-facing second screen. Finally, you can buy a full-fledged device that can sit on your countertop called the Point of Sale Terminal for about $950 (at this writing).
You can sort of get the POS terminals for free if you sign up for the Custom plan. PayAnywhere calls it a “free placement,” but unless PayAnywhere personnel comes to your store and physically places the terminal on your counter, it’s not a “free placement.” It’s an equipment lease for zero dollars for the term of your processing contract with PayAnywhere.
Unfortunately, even with the “free placement,” the Smart Terminal, the Smart Flex, and the Smart Point of Sale all run the software for which PayAnywhere charges a fee. The fee depends on the device, and it ranges from $10 – $30 per month. For the Smart Flex and Smart Point of Sale, you also have to pay a one-time setup fee as high as $100.
You can buy barcode scanners from Amazon, and you can rent or buy printers and cash drawers from PayAnywhere for an additional fee. We recommend you buy since renting just doesn’t make sense. For instance, PayAnywhere sells its cash drawer for $50 but rents the same drawer out for $14/month. There is no reason to rent if the rent after four months is enough to buy the equipment outright.
Fees & Rates
As already mentioned above, PayAnywhere now has only two plans:
- Pay As You Go
- Custom
With the Pay As You Go plan, you pay:
- Swiped, Dipped, or Tapped: 2.69%
- Keyed, Virtual Terminal, Invoicing, & Recurring Payments: 3.49% + $0.19
This plan is suggested to those merchants who process $10k/month or lower. PayAnyhere clearly warns merchants that they will be charged a $3.99/month inactivity fee if no payment is processed for 12 months. The charge begins on the 13th month, and it resets for another 12 months if you take a card payment.
The Pricing page discloses no other charges, not even a chargeback fee. A quick search in the Support section also did not reveal any information. Since it is difficult to believe that any card processor will waive the chargeback fee, this lack of disclosure suggests that there may be other hidden fees.
The Pay As You Go plan’s fees are competitive but not necessarily the cheapest around. For a smaller business that can benefit from the free software and services of PayAnywhere, the cost might be worth it. However, free software and services are often a part of any third-party processor’s standard offering. Be sure to check out other processors, such as Square, before you make your final decision.
The website does not display any rates for the Custom plan. Merchants are encouraged to call PayAnywhere for the Custom plan, which suggests that the processing fees are negotiable.
Note that the main Pricing webpage states that Pay As You Go is for merchants processing less than $10k/month and Custom is for merchants processing over $10k/month. That sounds pretty firm. However, if you look to the Support page, it says that the $10k/month is just a recommended range. That makes it sound like you can still use the Pay As You Go plan even if you process over $10k/month.
As already mentioned above, PayAnywhere does charge a monthly software fee for its POS terminals. The fee is clearly disclosed on the equipment page for each terminal and ranges from $10 – $30 per month.
PayAnywhere has a rather strange contract structure, and this is worrisome as far as fees and rates are concerned. (See the Sales & Advertising Transparency and the Contract Length & Cancellation sections for more.) Once you process over a certain amount, you are automatically switched over to another contract. Under this new contract, you are a merchant account holder and must use a tiered pricing scheme (which we dislike here at Merchant Maverick). The contract also discloses other possible fees such as:
- Transaction fee
- PCI DSS Non-Compliance fee
- Early Termination fee
- MyBzPerks Program fee
- Chargeback fee
- Representment fee
- Retrieval fee
- Minimum processing fee for processing below a minimum volume
Also, PayAnywhere will charge certain card industry pass-through fees listed in a complicated chart in Section 1.15 of the agreement.
One of the easiest ways to earn a low rating here at Merchant Maverick is to have an undisclosed pricing scheme with lots of hidden fees. Among the different fee structures for credit card processing, the one we favor the least is tiered pricing. Add a bunch of recurring or one-time fees, such as a PCI DSS non-compliance charge, and this pretty much guarantees a low rating.
It almost seems unfair to give PayAnywhere a low rating for this entire section. After all, it does disclose the charges for its Pay As You Go plan, the inactivity fee, and the monthly software fee. However, PayAnywhere has a structure where a merchant can be automatically switched to another contract with entirely different — and undisclosed — fees. We must take this into account with our rating in this section.
Sales & Advertising Transparency
We’ve reviewed PayAnywhere several times in the past and have always found PayAnywhere to be a little lacking in the Sales & Advertising Transparency department. It used to — and may still — use third-party sales organizations to sign up new merchants, and this practice tends to generate more complaints from merchants. As well, PayAnywhere did not disclose the full details of some offers that sounded too good to be true, and that made us wary. But that was the old PayAnywhere. Since then, it’s revamped its software and services. So while we are still cautious, we approached this review update with some optimism.
PayAnywehere did make changes that made its sales and advertising more transparent. It seems some folks at PayAnywhere are trying to make the service better. For instance, even though the company does charge an inactivity fee for accounts that have been dormant for more than 12 months, it discloses this fee in a way that’s hard to miss. Furthermore, it charges a setup fee and a monthly software fee of $10 – $30 for the POS terminals, and this fee is equally disclosed in a difficult-to-miss way.
The improvements stop there, however. The contract refers to a schedule of fees shown to the merchant upon signing up. Yet, these additional fees cannot be found anywhere on the PayAnywhere website — not on the Support page and not in the contract. There is no way for a merchant to consider and compare fees with other processors until they’re in the actual process of signing up for the service.
As to PayAnywhere’s Custom program, nothing about fees and rates are disclosed at all. You must call them to obtain this information, presumably after you give them your sales numbers. On the one hand, asking you to call signals PayAnywhere’s willingness to negotiate rates, and that’s a good thing. On the other hand, giving them your contact information probably guarantees they will hound you to sign up even after you decide against doing business with them.
PayAnywhere does have a blog, and it is relatively active. There’s an interesting mix of content, and it’s pretty decent in quality. The content isn’t focused exclusively on why you should sign up with PayAnywhere. It’s more focused on how to help your business grow in many different areas. These are all positives, and it suggests that someone at PayAnywhere seems to care about growing the company as a business.
PayAnywhere also has a Facebook page that currently has 14K followers and a Twitter account with about 1,500 followers. Neither is particularly engaging, though. Both accounts simply notify followers of new blog posts, and there are no comments from the followers.
There’s also a YouTube channel with some videos and less than 1k subscribers. About a year ago, PayAnywhere added more videos to the channel, including testimonials from small business owners and tutorials for its software. However, that effort seems to have stopped, and the channel now has very little activity.
From a sales and advertising standpoint, PayAnywhere’s blog and social media accounts seem normal and not too concerning. There’s not a lot of activity, so it’s not using these advertising venues to the fullest. However, given that it takes time to maintain these accounts and generate content, the fact that at least the blog publishes regularly is a plus.
The truly problematic issue with PayAnywhere’s sales and advertising transparency is in its contract. Other parts of the contract will be discussed in more detail in the Contract Length & Cancellation section. The portion that relates to sales and advertising transparency will be discussed here.
Other than dense legal writing, the PayAnywhere contract seems to offer a fairly typical deal for a third-party processor, except for a section called Conversion to Direct Merchant. If a merchant processes more than $100k/year in Visa, Mastercard, Discover, or PayPal charges, the contract converts them into a direct merchant, with a merchant account, and they begin processing under a radically different rates and fees structure. Given how this conversion drastically changes a merchant’s working relationship with the processor, it seems PayAnywhere should prominently warn prospective merchants of this possible change. Yet, other than the contract, this relationship change does not appear anywhere else on the website. The merchant is merely automatically converted without notice.
This is a big problem, and it is enough to reduce PayAnywhere’s rating for this section. If you’re a small merchant who will never process $100k/year in Visa, Mastercard, Discover, or PayPal charges, then maybe you will never run into this issue. However, if you ever expect to take in more than $100k/year in Visa, Mastercard, etc. but continue to want to work with a third-party processor, you’re better off looking elsewhere. There’s no reason to sign up for one type of service only to be automatically switched to a very different service that you never signed up for.
Contract Length & Cancellation
The PayAnywhere contract is problematic. You are, in fact, signing two different contracts lumped into one, and the business deal in the second contract is not disclosed anywhere else on the website. So unless you work through the contract’s dense language, you wouldn’t know about this second contract.
When you first sign up with PayAnywhere, you sign on to its standard contract found under the Legal link in the footer of the website. It’s a contract that either party can cancel at any time without penalty. If you have the “free placement” hardware, you must return it within a certain period. Otherwise, most of the contract looks like a non-controversial standard third-party processor contract except for Section 8.
According to Section 8 of the contract (Conversion to Direct Merchant), if you process:
- over $1 million in American Express charges on a rolling 12 months basis or $100k in three months you must enter into a direct agreement with American Express;
- over $100k in Visa, Mastercard, Discover, or PayPal in 12 months, then you automatically become a direct merchant, and a different contract automatically becomes effective and takes over the business relationship.
This second contract is attached to the end of the third-party processing contract.
For American Express, the requirement to sign a direct contract is not controversial because it is how the Amex OptBlue program works. The Visa, Mastercard, Discover, or PayPal processing limit, however, is not standard. Here, North American Bancard is trying to move you up to its merchant account program without selling you the program first. With the merchant account, all sorts of fees come into play, and the nature of the business relationship changes completely.
The new agreement is for a three-year term. Either party can terminate the agreement. However, if the merchant terminates before the end of the three years, they’d be subject to an early termination fee of $295 or all the monthly fees in the remaining contract term, whichever is greater. North American Bancard may terminate the contract at any time, charge the merchant a $500 account closure fee, and withhold any funds in the account that is due to them. The only saving grace in this harsh term and termination procedure is that the merchant has 45 days to cancel the agreement once the merchant is switched to this agreement.
This contract structure does not seem upfront or fair. The business terms of the second contract are never disclosed anywhere else on the website, and we don’t think you should enter into a business arrangement without understanding the business terms. We recommend that you READ BOTH CONTRACTS, make a note of every fee, and ask questions if you don’t understand something. If PayAnywhere can’t explain it, then walk away. If someone promises to waive a fee, get it in writing. We have seen complaints about major billing issues and fees, and verbal agreements count for nothing in this business. It’s essential that you know what you are signing.
If you still like PayAnywhere’s software and services (and they are indeed very nice) after reading the contract and are sure that you won’t exceed the $100k per year limit in processing Visa, Mastercard, Discover, or PayPal, then sign with PayAnywhere at your own risk. Just be aware that there are other third-party processors with a more straightforward contract structure and at least as good services offered for a better price.
Customer Service & Technical Support
PayAnywhere gives a customer support number, an email address, and offers a live chat from its website. No hours are listed for the phone number or live chat functions. While this suggests that it is a 24/7 support, from our previous reviews where it reduced support hours, it may be that the support remains limited.
In addition to phone, chat, and email support, PayAnywhere also offers:
- Knowledgebase: There’s a help center on the PayAnywhere website that you can also access through the mobile app. It’s nowhere near as in-depth as the knowledgebase offered by Square and many others, but it is usable. It walks you through the basics but probably won’t provide much help if you are experiencing real technical or support issues.
- YouTube Videos: The PayAnywhere YouTube channel has a bunch of tutorials at least a year old. Given how fast software tends to update these days, these videos may or may not be out of date.
User Reviews
Negative Reviews & Complaints
PayAnywhere has a Better Business Bureau profile separate from North American Bancard, its parent company. Alarmingly, when you get to the BBB page for PayAnywhere, you see:
BBB’s information on this company is being updated, and no report is available at this time.
You can’t see reviews or complaints, though you can leave one with the BBB.
Elsewhere, the PayAnywhere app rates 3.5 out of 5 stars on the App Store with 290 reviews and 3.8 out of five stars on Google Play with 3,700 reviews. From Trustpilot, PayAnywhere rated 2.5 out of 5 stars because it uses multiple tiers of salespeople to sell its services.
All the ratings echo several themes:
- The app is too slow and quits mysteriously
- Privacy concerns from users because the Bluetooth reader seems to want unnecessary additional access to the phone
- Transactions often won’t run through
- Bad customer and tech support
Looking at our previous review for PayAnywhere, it appears that its customer service has not improved, and that’s disappointing. Someone at PayAnywhere continues to try to do better, though, and it’s very evident. A designated PayAnywhere personnel consistently invites reviewers with negative experiences to contact customer support again to resolve the issue. Even though the message is nearly always the same (i.e., same phrasing, so probably a cut-and-paste job), at least PayAnywhere is trying. As stated above, it seems some folks want to make PayAnywhere a great service, but other forces are at play, so it ends up in the same place.
Certain types of complaints seem to have quieted down since our last review of PayAnywhere. Mentions of withheld funds, freezing of accounts, sudden terminations, and delayed fund transfers have become fewer. Similarly, so have complaints on hidden fees, unclear and subjective limits to processing, and owed fees after closing an account. Fewer complaints do not mean that these issues aren’t still there. It just means that we haven’t seen a jump in these types of complaints since our last review.
Positive Reviews & Testimonials
Despite the above section on negative reviews, positive reviews for PayAnywhere do exist. Some merchants have never experienced any of the problems described in the negative reviews. They like the software and services very much. They found customer service to be helpful and able to resolve their issues quickly.
It seems with PayAnywhere that you’re either very happy with them or very angry with them. Not much exists in the middle.
Final Verdict
In our last review of PayAnywhere, we thought PayAnywhere’s new app and the suite of services showed a lot of promise. We thought the hardware and customer service could both improve. We didn’t like the pricing scheme, but we were hopeful that things would change.
PayAnywhere did make changes, and in many areas, it did improve. While it is worrisome that BBB has suspended its rating page, customer service seems to be trying harder to please those who complained. They redesigned the mPOS hardware so that the card readers connect through Bluetooth. The mPOS app, however, seems to be slow and glitchy. Sometimes, transactions won’t go through.
In our last review, we didn’t like the pricing scheme offered, and PayAnywhere changed that. We wish we could say that it was for the better, but it’s not. PayAnywhere tried hard to be transparent in its Pay As You Go plan, and to a large extent, it succeeded. However, now there’s no more information on the Custom plan at all. Worst of all, the contract that governs the relationship with the merchants could switch automatically to another plan, a plan that can have an unfavorable pricing structure and complicated fees.
Admittedly, if you’re a small business, you might never have to deal with this higher volume plan that automatically kicks in. In that case, you would probably enjoy the various free PayAnywhere services. However, if you ever plan to grow, then we recommend that you look elsewhere. You’d be able to get similar services for a comparable price, and you won’t have to deal with surprising changes to the contract. An automatic switch from a third-party processor relationship to a direct merchant relationship is not a small switch.
Because no information or warning about this switch is disclosed on the PayAnwhere website except in the contract, and because of the other customer service issues, PayAnywhere scores just 3 out of 5 stars.
We think you can find better options for mobile processing. If you think there’s ever a possibility that your business will grow, don’t succumb to the lure of free software for your business’s sales, employment, and other functions. This way, in the future you won’t have to suffer the headaches of porting the data out and switching software systems. Just start somewhere else, so you don’t get trapped.
Good or bad, if you have experience with PayAnywhere, please leave us a comment with your thoughts.
Melissa Johnson
Melissa Johnson has been writing about payment processing and mobile payments since 2014, and has been quoted in articles for Credit Karma and The Next Web, among others. She graduated from The University of Kansas in 2010 with bachelor's degrees in English and journalism.
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Organization Name: The Wine Guy, LLC
This company is a ripoff! I opened an account in 2012 and never used it. They charged my bank account $3.99 per month for over 8 years (I did not realize it since it was a trust account that I did not see monthly statements. When I confronted them, they claimed it was an “inactivity fee.” I will have to sue them.
Organization Name: The Shattered Vase
I had a wonderful experience with this company. My customer service rep, Chris Palovich was beyond amazing. They deposited my funds immediately and when I complained about the cost of the service Chris proceeded to refund me the money I had complained about. The only problem I had with this company is that they are better suited for someone who generates more income than I did with my venture. If I had a large number of sales for my novel, The Shattered Vase, I would have continued to use them. If you want a customer service rep who is amazing just ask for Chris Palovich! He is above the average!!!
This comment refers to an earlier version of this review and may be outdated.
Organization Name: Militellos cleaning and lawn care
This is truly one of the worst companies to deal with they want your business license they want picture ID they want light bills and gas bills I’ve waited 3 weeks for my one payment after 24 hours after swiping now they’re telling me I got to wait four months after this It was never worth getting this their stupid retarded service is the worst
This comment refers to an earlier version of this review and may be outdated.
Organization Name: 911 Honey Bee Removal
TERRIBLE! Where do i start ? The customer service beyond lacking in the merchant awareness dept! I have had so many issues with this company with transactions its not even funny. First there no company client relationship building here at all been with the for almost 2 years and still get holds on transaction from the same merchant and card everytime? I tried to raise my limit and they wanted 3 months bank statements? I have been doing clean business for almost 2 years no chargebacks at all guess that doesnt count for anything no relationship at all. Your just a number to them , also i did the suggested alternative by sending the actual invoice with my customers info which i wasn’t comfortable with and still they took their sweet time approving them. So at the end of the day still haven’t got my funds any earlier than if they put a hold on them. I truly regret choosing this comapny and at the moment transitioning to another that will appreciate my business. I don’t see this company being around long if they continue with these bad business behaviors good luck!
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I am going to give them two stars at best, and it is not because of the service, or even the hardware, both of that seems to be working fine. I am giving it two stars because of the app! This app should have NEVER left beta testing because it is terrible! They have tried to get me to switch from Square, the lower rates, the promise of more features such as barcode scanning, etc.Well here is where Square does better, the customer database allows me to save an address, which PayAnywhere does not. They allow me to add any customer info I need to to the file, whereas PayAnywhere does not. It is now integrated with an appointment system which works perfect for me, whereas PayAnywhere does not.And HERE is the kicker, one time while running a $90 charge, the screen said “insert card’ which I did, then “Do not remove card” and then “Remove Card”…I removed the card and the words “remove card” didn’t go away, just hung there, after 2 minutes, it finally said approved, and then no signature screen or anything came up, just went back to the insert card screen. I am not even sure if this customer got charged, and it doesn’t seem to be in the batch of deposits. Stuff like this is what makes this app infuriating! Needless to say, until they can release an entire new app that doesn’t feel like a bunch of webpages stitched together, I am going back to Square, even if they do cost more money.
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Organization Name: Sam's Notary
Zero customer service, I call them before I process $2000 transaction because I know my ticket limit $350they ask me some questions & they told me you are approved you can run the transaction now. after 3 days I didn’t receive any deposit from them & I call them back they said the transaction on hold because it’s over your limit & they ask me for some information about the transaction & they said it will take 48 hours for reviewafter 72 hours I call customer service the told me for sure you will see the transaction amount in your bank tomorrow morning we already sent the fund to your bank account, next day nothing I call them again they said we need more information & it will take 48 hours to review I e-mail them back & I am still waiting & no responce, the problem i didnt receive any e-mail from them asking me for any information, They alwyes waiting for my call to ask me for new thing last time i use pay any where not recomended
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After not using this service for five years, I was suddenly hit today with an “inactivity fee.” I thought that my account was cancelled, so was very surprised when this charge showed up. One of the reasons I stopped using the account was an inability to connect via my iPad or iPhone when trying to put through a charge. It was embarrassing to be standing with a client, and not able to complete a transaction. Customer service was a useless drone who seemed to be reading from a script.
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Just for grins, I tried to engage with the company to see if there has been any improvement. There hasn’t. The mobile application is broken, telephone customer support hangs up on you and their chat operators are both unknowledgeable and incompetent. Stay far, far away – I don’t see how this company survives another year and when they go down, they will take your funds with them.
This comment refers to an earlier version of this review and may be outdated.
They charge $3.99 per month for non activity. Its hidden in the fine print. They refuse to close account unless I pay up. I haven’t used in three years. They did nothing to remedy the situation.SCAM! STAY AWAY!!!
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Like so many other reviewers, I wish I had looked here FIRST. Their software has serious compatibility issues, including super popular Samsung tablets. They charge differently than you were promised and try to keep you from changing. When they did open a new account for me to get the flat rate they didn’t close the old account I am stuck with their PCI compliance fee. I had to stop payment on their access to my account and nave now filed a complaint with the Oregon Attorney General…like so many others have…Switched to Square four months ago and still cleaning up this mess…
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Pay Anywhere is the a hack and fraud of a company. DO NOT USE PAY ANYWHERE!I did everything I was supposed to do, I had a booth at the Carlsbad Village Faire and due to my bank not getting me my swiper in time I had an old Pay Anywhere swiper so I used that as a last ditch attempt to have the ability to swipe cards. We set up our booth and had a great day we sold over $4000.00 in thedragonbox.com ( The Dragon Box ). They are not threatening or for no reason holding over $2000.00 of my money in an interest bearing account for 180 Days. The swiper was old and did not have a chip reader so I had to manually enter in my credit cards, each customer presented the card and the license for the card and we charged the card and gave them a receipt via email or text they walked away with the card and the product. We have their street address and signature on file that matches the credit cards and Pay Anywhere refuses to release my funds. I would highly suggest using another processor and DO NOT USE PAY ANYWHERE they will illegally freeze and hold your money for 180 days or more. If there are more of you out there please come forward.I am 1 42 year old male with 4 years in business with my current company and process over 1 million dollar a year and this company wants to hold my money for 180 days for no reason no one called no one charged back there were no issues whatsoever and they want to hold my money for absolutely no reason to hold any of my money at all. This is a scam and has to be illegal on some level and I will use all the resources I have to get my money released!I am out of product and I am out of money right now and Pay Anywhere is playing GOD with my hard earned money! Do Not Use Pay Anywhere there are better alternatives!Gina C is a ( supposedly supervisor ) and Dimitrius B ( is her supposed supervisor ) My company is thedragonbox.com
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ok so I just got a charge of $25 and a reversal of a legitimate sale from a few days ago…Turns out because payanywhere doesn’t support the EMV chip all bank of america charges that have a chip and are swiped are subject to the reversal and the $25 fee per occurence. I called them up and said it’s not my fault they don’t have a solution. They just said sorry and they would not give me my money back. I intern closed my acct the same day.
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Terrible — impossible to login and use, so when you find a reputable company like Square or Paypal and use them instead, they start charging your bank account (which they hold hostage) a 3.99 monthly ‘inactivity fee’ which you can’t stop/block through your own bank. Fraudulent and dishonorable….users beware.
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I closed my account because they stopped supporting my mobile device. So their reader became useless to me. My bank was charged user fees after my account was closed, without my consent and or my knowledge. I called their customer service… they were not surprised. I contacted my bank and a fraud alert was placed on their transactions. I think this was an internal hack, because the transactions changed names. Once they have your bank account number….who knows what becomes of it. No security, so Be aware.
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I can not stress enough that people read and trust the reviews on this company. I wish that I had of done more research before going with them for my small business neads. I provided them with more information about me and my business than was even required. Business lisence, three months bank statements, copies of my current certifications, drivers lisence, invoices, my clients address and phone number, and even had my clients contact them on the phone to verify that the credit transactions where legit. After all this they froze a portion of my funds for forty five days after an amazing amount of time spent on the phone, and said they would release the remainder of the funds into my accout within 24 hours. True to their word the release half the funds the following day and then cancelled my account with them via email for no reason and told me I would have to wait 180 days for the remainder of my funds. I sent them an email and issued refunds to all my clients who’s money they had on hold. At which point they took all the money out of my bank account. Upon looking at recent transactions on my account I noticed they had also attempted to deposit fifty dollars out of a five hundred and twenty dollar tranaction and then stopped that as well. I recieved emails cancelling my account, and then two hours later another email telling me congratulations on my first transaction and my money would be in my account within one to two days. This was after they had stopped payment into my account and told me that I was good to continue transactions. If any of this is confusing to you, I am even more confused. The money in and out of my account makes no sense, the email make no sense, the customer service reps seem even more confused and are unable to answer my questions after spending hours on the phone trying to either get my money, or refund my customers. This company as the hundreds of reviews state on this site and others is a fraud. My clients and myself are still waiting for our money. I have contacted the BBB and the State Attorney Generals Office. This company must be stopped. It’s hard enough to start up a small business, but being robbed in the process is the worst. Like I said believing one disgruntled customer is one thing but do your research and read the rest of the reviews they all mirror a very similar image. Don’t get scammed, do your research before you choose a company that’s going to keep your money from you, when your out their busting your butt to make it.
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DO NOT USE THEIR CUSTOMER SUPPORT!! I WAS HACKED BY ONE OF THEIR CUSTOMER SERVICE REPS. I called customer support for an issue I was having with the app and was my checking account was compromised and had to be locked due to fraud activity.
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I called in to up my daily limit and they cancelled my account for no reason. What a bunch of assholes! DO NOT DO BUSINESS WITH THEM!
This comment refers to an earlier version of this review and may be outdated.
Even though my limit got ironed out ,it took way too long and too many incompetent people behind the scenes . I used them one time ,and it was a horrible experience . Hard to find anyone competent to answer any questions that works for PayAnywhere . My experience left me dealing with a bunch of what seemed to be adolescent girls who were PMSing .Used them once and never will again.Found another place that blows these guys away with service and information.
This comment refers to an earlier version of this review and may be outdated.
Who did you find that you like ????
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The biggest mistake Ive made was to consider giving this a try ,then actually getting signed up. Not only was I not given clear cut information from the start but consequently left on hold for long periods of time . If i was aware of the hoops that need to be jumped through to receive money in access of $100 then I would have opted for a check from the customer. I had to wait for over 15 minutes first time and second time about the same so I hung up. I would NOT try this “Pay anywhere” ever again if faced with collecting money issue ever .I will accept checks all day long. I feel like I have to put in a long 40 hour work- week of phone calls just to get 1 payment . Its been 5 days and still no money in my account . Stay clear from “Pay A Lot Later”
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I decided to open an account a few years ago because of the number of CL transactions i do, and as a payment alternative for the tenants of my rental properties. i tested it using one of my own cards, and everything seemed to work as advertised. Jun of 2015, a new tenant needed to make a payment while i was out of town. i offered the PA, and he gave me all of his cc info, everything needed, to include CIV number and billing address. i talked with PA, and they walked me thru the process of doing an authorization without the physical card. a few days later, i receive an email telling me the funds (over 1200.00) were on hold, and they required months worth of bank statement, business license number, contact with the cardholders, my business statement, and that it would most likely take about 3 weeks for the payment to clear their hold.keep in mind, it has already been pulled out of my tenants account. at this point, I decided that I would rather just refund it, and gove my tenant a little leeway on the payment(after all, i know where they live, right? lol). so on the 5th of Jun, I refund the money, and everything seems okay.today is the 25th of June. My tenants have been telling me this whole time that they never got the money back. I call PA to verify that the money got refunded, and come to find out, they have been holding onto it for 3 weeks. a “computer glitch”. and it will still take another week before the refund will be back in my tenant’s account. I would recommend people avoid this company like the Plague.
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Please do not work with this company .They are lair .They are cheating people . For no reason they will charge you and remove money from your bank .Be care full .They are scam . They are cheating many people every day . Please read these comments .If you work with this company you will lose 1000s dollars.
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I have been using PayAnywhere credit card processing service for a year and recently when we had a customer pay $4,750 PA refused to pay me the proceeds. They requested all sorts of documentation including an invoice which they then said it did not match the person paying the bill. Since they refused to give me my customer’s payment I asked that the transaction be returned to the customer and they said they were charging me $167.97 for collecting the money that they refused to give a me and then would charge me another $167.97 to refund it. They are charging me $335.97 for not giving me the proceeds from a sale to my customer.
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I received a promotion from Pay Anywhere to use their swipe card. I have used their swipe card in the past so thought why not. HUGE mistake. This company is a fraudulent company. I had two transactions with pay anywhere where customers paid me and the customers were charged. I am a small business owner and a new mommy so I need the money I work hard for. I have not received my funds and it has been 10 days. The email confirmation stated it would be two days. I have emailed the customer service 5 times with no answer from them. I called the main number today and Marquita simply said my account was closed and transferred me to a voice mail of Nakeita. I will be seeking legal counsel if I do not receive my funds by the end of the week. I will be reviewing Pay PayAnywhere everywhere I possibly can to warn other business owners NOT to use this card swipe. I have been a business owner for over ten years and am very upset that the money I work hard for is being kept by this fraudulent and unethical company.
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This is the most suckiest company you will ever deal with!!!! DO NOT USE THEM!!! You will not get your $!!!!! We have over a $1000 in transactions and still to this day have not received them!!! I have called 100s of times and get sent from one department to the other and all I get for the reason for them holding my funds is because of an issue on my account!! Still have no clear answer of what the issue is!!!! On hold with them now as we speak!!!! I will be contacting a lawyer today!!!! They are in business to rip small business owners off!!!
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Melissa,I am having the same issue. Did you receive your funds?
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Charges for their own failures.On Jan 21st 2015 I processed two charges. The money was NEVER deposited to my bank and after a number of days and exchanges of emails I was told the funds were “on hold” pending an audit and verification.I was told the customers would be contacted to verify the validity of the charges. My customers informed me no one ever made such attempt. In a phone call I was told to have my customers call Pay Anywhere and given a phone and extension for a Tara. When one customer attempted to call they were told they could not proceed without providing their merchant number. My customers don’t have a merchant number as they are not the merchant but the card holders.Since I needed to fulfill my customer’s orders I needed to have the funds in order to pay my supplier before they would ship. My customers were becoming impatient with me due to the delays by Pay Anywhere withholding funds.In order to avoid losing customers because I was unable to fulfill their orders on time it was necessary to refund their charges and collect via another method.Last week Pay Anywhere debited my company account for $36.50 and claim it was for the transaction fees plus an additional fee for the refund. I repeat, NO FUNDS were ever deposited in my account and they never followed through on verification so there WAS NO COMPETED TRANSACTION. I would not trust this company with my business and terminated my account. They wanted to charge me for their failure.
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I have only used them a fairly short time, about a year.The first time things went without a hitch. Right now I face losing two customers because I am waiting on foot-dragging in getting funds deposited to my bank so I can order products for customers. Needless to say when my funds are delayed customers complain to me about shipping their products. I can’t ship until I have funds and PayAnywere has recently caused me problems depositing funds. They email me asking for copies of invoice. My drivers license, social security card etc. documents they already have from when starting my account.Then they say they are waiting on MY CUSTOMERS to call them to verify the charge! I asked them and neither of these two customers were ever contacted about their charge so I sent them the phone of PayAnywhere to call them.I plan on closing my account once these transactions are done and stick with PayPal as I have had very few problems with them over a number of years. Now that they too have a mobile app I really don’t need PayAnywhere and their hassles.
This comment refers to an earlier version of this review and may be outdated.
Having had personal experience with this company, and reading the poor reports above, I can only suggest that anyone considering this company stay as far away as possible. They find reasons to hold your money, make excuses and don’t return phone calls. Repeat, stay away.
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I recently bought this reader so I could take credit from my customers I am a make up artist I did a wedding and got paid $400 of which $360 the customer charged as credit payanywhere “audited” me and asked for my customers information I sent it and then they asked me for a brief description of what I do so I gave them a very detailed paragraph and with no explanation they closed my account saying it was a “Buisness decision” and decided they were going to hold my money for 6 months. They are a fraud company this is how they make there money by auditing people I read the reviews. I read a book about this exact same situation maybe they read the same book it’s called the rainmaker. If they thought they were going to con me out of my money they chose the right one. I told her she would be hearing from a lawyer shortly she said ok well it’s in the contract. I’ll find out Monday even if it is they are running a scam Buisness and I’m going to make sure I get justice.
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Don’t even THINK about using them. They are not legitimate with their bad-faith practices and their love of holding your funds on a whim. Certainly if fraud or unauthorized transactions are suspected you start with the card holder, not the merchant. The credit card company is the watchdog for suspicious activity, not Pay Anywhere, but they enjoy holding your money and collecting interest. I will never do business with this sorry pile of camel dung again.
This comment refers to an earlier version of this review and may be outdated.
I plan to open a small Nail Salon, so can you please recommend a merchant service?
New monthly est $3000 – $6000
Thank you!
Nhoc Ty
This comment refers to an earlier version of this review and may be outdated.
Hi Nhoc Ty,
If you can get by with a simple mobile-based solution like Flint or PayPal Here, that is probably going to be most cost-effective for you. Of those two, I find Flint to be the most reliable. Both come with no monthly fees.
If you need something with more options, I’d recommend checking out Payline Data or CDGcommerce. These are more complicated in terms of fees/rates, but would allow you to integrate with the POS/credit card machine of your choice. As your volume grows, these options would end up being more cost-effective.
Let us know if you need any help getting set up!
Best,
Tom
This comment refers to an earlier version of this review and may be outdated.
Thanks!
I gonna try paylinedata. I will post a review about their service later.
This comment refers to an earlier version of this review and may be outdated.
thanks for this info! i will try all you suggest… however “palAnywhere is far too much a risk to take just to lose my money.”
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Thank you for your in depth review. I in beginning an online bargain hunters business. I plan to start with one of the online auction sites to build reputation and following. Then graduate slowly to my own website. Both phases will require the ability to accept debit and/or credit payment. Thought pay anywhere was my solution. Now I do not want to use it. Can you recommend a couple POS systems for my review?
This comment refers to an earlier version of this review and may be outdated.
Hi Cami,
Your ideal payment solutions will differ depending on the specifics of your business, but three to consider might be Payline Data, CDGcommerce, and Braintree Payments. As your business grows and changes shape, you may need to change providers. All of the providers I’ve listed here do not charge early termination fees, so you will not be penalized if you need to change.
You should be aware, though, that for lower volume eBay stores, PayPal is usually the most cost-effective option.
Let us know if we can be of further assistance.
-Tom
This comment refers to an earlier version of this review and may be outdated.
Hey Im opening a coffee shop and planing on using ipad as pos. which company would you recommend for this. thank
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Dimitry,
I’m going to send you an email right now.
Best,
Amad
This comment refers to an earlier version of this review and may be outdated.
This company is a criminal company, and literally took $950 of my own money out of my Wells Fargo Account. I was given a bad check for $950 by a client. The broker had their credit card as a backup for payment. I started a pay anywhere account(where you give them all your personal information, as well as access to your bank account) to collect the $950. The next day after making the charge, I was called by Pay Anywhere, and told that the customer was disputing the charges, and therefore not only would I not get the $950, they were shutting down my account. Fine, there are many cc companies. One month later, I notice on my Wells Fargo Statement that Pay Anywhere, one month after not paying anything to me, took out $950 out of my Wells Fargo account. Payanywhere claims it was the computer that was the criminal. After not less than 15 calls to Payanywhere, to this day I don’t have my $950. That is a total of $1900 they cost me.
This comment refers to an earlier version of this review and may be outdated.
I just wanted to thank everyone for their input here, saw one of their ads, was intrigued with their options, as well as their pricing, and as I quickly looked into this company I saw this and several other negative comments, and if you can find this stuff, that quickly & easily, it’s more than a good enough sign to stay away, and I will be doing just that.
thanks again!
This comment refers to an earlier version of this review and may be outdated.
This company has the worst customer service ever… glad I never set the account up… phone calls 7-8 times a day starting at 7:30 in the morning. 1st customer service rep Michael was rude … when I said I will be staying with the company I am with and wouldn’t not provide them a name was told “I was cutting off my nose spit my face” because they are the best around with lowest fees… asked for manager .. Supervisor was just as rude… very argumentative… don’t know how to take “I will not do business with this company, cause you are rude and have poor customer service” close the account.. this is after I was called a lair after tell him about the number of calls… well guess my phone records lie too…
I would never tell anyone about this company and will never give them my business.
This comment refers to an earlier version of this review and may be outdated.
I tried this once. Never again, this company cost me more money by not putting the draft into my account as noted 24hrs. This is not a company to used for credit card transactions. I don’t recommend PAYANYWHERE to any business. Find another way. Very unhappy customer.
This comment refers to an earlier version of this review and may be outdated.
Do not deal with this company it is the worst ever. I set up an account and ran my first payment and they wouldn’t let it go through. When I called they said they don’t deal with my type of business??? They okayed everything through the application though??? I then had to call my client and tell them I would have to refund them and then charge their card how I normally do it. I was told it would take 7-10 day to reverse by one dept. and 2-3 day by another dept. No one knows what is going on with this company. Go to Amazon and read all the bad reviews as well. There are many other creditable companies out there that offer this same device, do not deal with this sorry company.
This comment refers to an earlier version of this review and may be outdated.