PayAnywhere Review

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Date Established
Troy, MI


PayAnywhere is facing a tough market, as mobile processing is getting awfully competitive these days. 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. Your customer service needs to be spot on, too.

PayAnywhere (PA) is trying to keep up; really, it is. And while it’s not doing a terrible job in that department, there are some major issues we’re not happy about. Gimmicky sales offers, undisclosed fees, a lack of transparency, and poor customer service are easy ways to a poor rating, and PayAnywhere continues to flirt with all of these. However, the company just recently announced a “new” PayAnywhere, with a new focus on “the commerce that connects us.”

I am curious to see what’s actually “new” or if this is just a half-hearted attempt at re-branding. The announcement itself leaves me severely unimpressed, and asking the same question I am sure many others are asking: “What’s in it for me?” We’ll be keeping an eye out for changes and the new PayAnywhere app, and see whether they measure up.

Now, onto the important bits:

PayAnywhere was established in 2010 by credit card processing company North American Bancard. NAB is based out of Troy, Michigan, and has been around since the early 90s. It launched PayAnywhere in 2009. In the beginning, PA just felt like a knockoff of Square, but without the refined and sleek appeal. And, beyond that, 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.

With PayAnywhere, it appears at first — based on the Terms and Conditions — that you have to sign the same contract you would if signing up for service directly through North American Bancard. Your fees and rates would be somewhat different, of course, but aside from that, you would be making the same level of commitment as a merchant account from NAB. This is different from the way processors like Square handle their contracts, as they generally have a more limited scope. But here’s where I get confused: The benefit of signing on via a traditional merchant agreement should come in the form of better account stability and a lower likelihood of funding holds. That clearly isn’t the case.

If you look a little deeper, however, you see there is a separate User Agreement embedded within the Terms and Conditions that specifically spells out PayAnywhere’s role as a Payment Service Provider, which tells you that the company is serving as an aggregator and not a traditional account provider, at least for most accounts. This feels overly complicated, and the fact that you don’t access this agreement until you begin the signup process is a mark against PayAnywhere’s transparency (something we’ll come back to). Plus, it bears mentioning that these are the terms that only apply to PA’s Mobile plan, not its Storefront option.

Beyond the normal shortcomings of an aggregated mobile processing account, I have a few additional worries for PayAnywhere. First, I don’t like the independent sales force. Global Merchant Services, the umbrella under which PA and NAB operate their sales teams, makes big promises of rewards for agents who sell “free tablet” accounts. This concerns me because (a) that money must be coming from somewhere, and (b) it might encourage agents to be less than completely honest about overall cost and contract terms.

Along those lines, I’m also not at all impressed by PayAnywhere’s communication skills as far as dealing with merchants is concerned (read the full review for more info). It’s pretty clear that when people have problems with the service, they’re likely going to have trouble actually getting a resolution. Finally, I am absolutely not pleased with the minimum volume fee of $79 if you wind up processing less than $5,000 in a month on the storefront plan.

Some merchants may find an awesome deal with this service — but many others will not. My advice to you is to be careful and make sure that this service will work for your processing needs, especially if you are interested in the so-called “free” tablet.

PayAnywhere continues to hold steady at 3.5 stars out of 5, exactly where it was last time we reviewed the service. While you might be fine if you’re processing more than $5,000 a month, at that point you might as well pursue a merchant account (check out our top-rated processors here) or an omnichannel solution that will give you a more robust POS, more reliable payments, and even an eCommerce option, as well as add-on services. If you’re processing less than $5,000 a month, there are better mobile processors out there, including omnichannel options.

Check out the in-depth review below for a complete analysis! To compare PayAnywhere to its competitors, check out this handy comparison chart. Good luck!

Products and Services:

  • Tablet and stand rental: This is PayAnywhere’s flashy gimmick to draw in new accounts, and a way to keep with other providers that offer a dual mobile/retail solution. Since many of Square’s features are iPad-only, and iPads are pretty expensive, a lot of merchants are left looking for another register-like option. PayAnywhere gives you a free tablet, but it’s not an iPad. Actually, it’s a custom Android-based tablet made just for using the PayAnywhere system. You won’t be able to play Angry Birds on it, but it will do an excellent job running the payments app. The tablet stand supports EMV, but not contactless payments — so no Apple Pay for you unless you invest in the 3-in-1 reader. You also won’t get a receipt printer or a cash drawer, and they can get pretty pricey if you aren’t careful.

For frame of reference, Square charges about $169 for its Square Stand with Contactless + Chip reader. With PayAnywhere, the stand is built-in and comes free. I should mention that this is only “free” as long as you process over $5,000 per month. If during any month you process less than that, you will be charged an additional $79 that month. Be aware, though, that you will be responsible for paying the full price if you damage the equipment — about $900.

And frankly, a Square setup with an iPad Air 2, cash drawer, receipt printer, and receipt paper will run you $1,033. That’s barely a $100 difference (even less of a difference if you deduct $50 for the receipt paper). So where is PayAnywhere getting the money to hand out free tablets like candy if they’re also handing out bonuses to sales reps?

  • Mobile Service: If you don’t need a register-like system with a tablet, you can use PayAnywhere on your phone instead. Note that the terms and pricing are different with the mobile option. For one, there’s no monthly volume requirement, and you pay rates more on par with other mobile services. There are two card readers available: a clunky magstripe reader, and a still-clunky 3-in-1 reader that still connects via headphone jack.
  • PayPal acceptance: Along with Visa, MasterCard, American Express, and Discover, you can also take PayPal payments with PayAnywhere from within the app.
  • Unlimited sub-users: A great feature for businesses with large sales teams. Many mobile providers allow multiple users accounts, but most limit the number or charge you extra.
  • Next-day funding: In theory, you should have access to your funds within 24 hours, but I’ve seen reports of deposit delays.
  • In-app and online reporting: This allows you to track your sales and learn more about the spending habits of your customers.

PayAnywhere App Features:

  • Accept credit and cash transactions
  • Custom discounts, tips
  • Include tax by location
  • Inventory management with descriptions, images, categories (no count feature)
  • Email receipts
  • Unlimited sub-users
  • In-app reporting plus online reporting
  • Free headphone jack reader or free tablet/stand/reader rental
  • QuickBooks integration
  • Force Transaction: If the payment processor network is down, you can force the transaction by calling the processor for approval. But you’ll need a voice authorization code to do so.
  • Pre-Auth: This isn’t something I see often. PayPal offers it, as does Spark Pay. With a pre-auth (or pre-authorization), you can hold funds on a customer’s card, but not charge them until later. This is good for appointment booking as well as an inn or bed-and-breakfast. PayAnywhere’s pre-auth lasts for 7 days.

PayAnywhere, like most mobile processors right now, offers a standard free magstripe reader, and an EMV-compliant reader for an additional charge. You can even get additional free magstripe readers depending on your processing volume. However, here’s my problem: Both devices still connect via headphone jack, meaning they’re useless with the new iPhone.

At this point, the big players in the game have figured out that Bluetooth is the way of the future. I’m waiting for the smaller ones, like PayAnywhere, to figure that out.

However, the 3-in-1 reader is also only $39.95, making it the cheapest EMV/NFC mobile reader I’ve seen. Square’s is $29 for just EMV, or $49 for EMV/NFC (you get a free magstripe reader that works separately, as well). PayPal’s is a whopping $150 for EMV and NFC (with a $100 rebate IF you qualify). I’ll also give PayAnywhere points for finally adding the word “EMV” to its website instead of calling the device an “Apple Pay reader” (a horribly misleading marketing ploy).

Something else I’m not fond of is how small PayAnywhere’s list of supported devices is. It’s clear PA favors Apple (not exactly uncommon). On the Android side of things, your options are pretty much a Samsung Galaxy or another flagship model, and only a couple of Android tablets are compatible beyond PayAnywhere’s custom build, which is a little disappointing.

As far as compatible equipment goes, PA only officially supports Star Bluetooth receipt printers. However, many AirPrint-enabled receipt printers will work with iOS devices; Android users may have success with Cloud Print receipt printers. Just don’t expect any tech support from PA. The knowledgebase doesn’t make this information clear, either. I had to contact customer support to clarify.

PayAnywhere says on the website a “select” number of cash drawers work with the setup, but in typical fashion, doesn’t tell you which ones! The customer support rep told me that it’s any cash drawer that supports a data cable connection, though.

Feature wise, PayAnywhere isn’t on the scale of a full-fledged POS, but it’s got all of the basics that any business can use. I like the auto-detect sales tax feature. You can override it and set your own sales tax if necessary as well. I also like that you can enable both discounts and tips. And finally, I most definitely like that you get unlimited sub-users with your plan. But there’s no eCommerce support at all, which is disappointing.

PayAnywhere Fees and Rates:

PayAnywhere offers merchants a choice of two service plans: the Storefront plan, which gives you a register-like setup and lower rates as a trade-off for paying a monthly fee, and the Mobile plan, which gives you just the reader.

Storefront Plan: $5,000+ per month (monthly fee, includes tablet and stand rental)

  • Monthly fee: $12.95
  • Swiped: 1.69%
  • Business/Rewards: 2.69%
  • Keyed: 3.69% + $0.19

Then, if you don’t read the fine print, you might miss this fee:

  • Minimum Volume Fee: $79/month

This is a pretty substantial penalty. If you don’t process at least $5,000 in card transactions every month, you will be charged this fee on top of your normal fees. It looks like PayAnywhere has gotten better about disclosing it, at least. Still, I find this frustrating when you look at Spark Pay or Intuit GoPayment, both of which offer free and paid plans — but don’t assess a monthly minimum for them.

And of course, if you opt for the Storefront plan and want that register setup, you’re still going to have to buy the cash drawer and receipt printer.

Mobile Plan (pay-as-you-go, includes card reader)

  • Swiped: 2.69%
  • Keyed: 3.49% + $0.19
  • No monthly fee
  • No PCI Compliance fee

This is actually not an awful plan for low-volume merchants. Pricing is on par with Square (2.75%) or PayPal Here (2.7%) and the costs for keyed transactions is actually marginally lower than either.

It’s worth mentioning that PayAnywhere does offer customized rates for high-volume businesses. You’ll have to negotiate to get those rates, but bear in mind PA’s other shortcomings, such as the lack of choice in POS and lack of countable inventory support.

Other Fees:

  • Chargeback fee: $25 every time someone charges back a transaction.
  • NSF (Non-Sufficient Funds) fee: $25 whenever PayAnywhere tries to debit your account but you don’t have the funds.
  • Retrieval fee: $15 every time your customer or your customer’s issuing bank requests a copy of a sales receipt for any given transaction.
  • Inactivity fee: This is fairly recent (as in it just appeared at the start of December 2015). If you don’t actually process payments with your PayAnywhere Mobile account for more than 12 months, you’ll be charged $3.99 monthly from that point on. This has a lot of people upset because, well, many of them randomly had money taken from their accounts by PayAnywhere when they haven’t used the service in years, and some of them only used it once or twice. PayAnywhere claims it sent notice out, but a lot of customers (or former customers) seem to have been unaware of the new development. You can find the complaints on PA’s Facebook page, as well as a few other review sites, and Frankly, it feels like a money grab, to me, or an attempt to get rid of inactive merchants without being the one to close their accounts.

Sales and Advertising Transparency

The free tablet offer is a little bit of a gimmick, especially since we know PayAnywhere is handing out big bonuses to the sales reps who close the deal on those accounts. Frankly, I don’t feel like it’s the best way to manage an independent sales force because you’ll get reps who don’t fairly disclose everything to make a commission. That least to unhappy customers, who turn against the company, and soon you’ve earned a nasty reputation.

The thing is, that isn’t even PA’s only sales gimmick. When you buy the 3-in-1 reader, PayAnywhere promises it will let you process your first $5,000 in contactless transactions completely free! Here’s the exact wording:

Get $5,000 Free

in Apple Pay™ and other contactless transactions. A $135 value!

Note the lack of asterisk. Note the lack of fine print. I’m actually very suspicious of this because the previous sales gimmick was only available to brand-new merchants who bought the reader from the Apple store. AND the offer only applied to Apple Pay transactions within the first 6 months. The takeaway? There’s always fine print…. Here, I am just not sure what it is.

PayAnywhere does have a blog, and it is fairly active. There’s an interesting mix of content, and it’s pretty decent quality. I like that its 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.

There’s also a Facebook page and a Twitter account (@PayAnywhere), but neither is particularly engaging. The profiles are definitely active, but fans are barely interacting with either account. There’s no Twitter support channel, either. I find this a bit odd, but then again, PayAnywhere isn’t nearly the size of say, Square. Plus, PayAnywhere offers alternative ways to get in touch.

There’s also a YouTube channel. There are some videos, but posting is sporadic, at best.

Customer Service and Technical Support:

PayAnywhere has eliminated its 24/7 phone support, now operating the line Monday through Friday, 8 a.m. to 9 p.m. ET. However, judging from the negative reviews, the quality of that support is debatable. If you hate the phone but need to get hold of someone right then, try the live chat feature.

In addition to phone and chat support, PayAnywhere also offers:

  • Email Support: If you’re not having any luck via phone or live chat, try emailing the company.
  • Knowledgebase: There’s a help center on the PayAnywhere website which you can also access through the mobile app. It’s nowhere near as in-depth as the knowledge base offered by Square and many others I’ve seen, but it is useable. I found a couple contradictions and there’s no information about EMV or some of the other topics I wanted to know about, but it did walk me through the basics.
  • YouTube Videos: The PA YouTube page has a bunch of YouTube tutorials that can come in handy if you need a visual walkthrough, but don’t expect frequent updates.

Negative Reviews and Complaints:

PayAnywhere has a separate BBB profile from North American Bancard, its parent company. PA has an A+ rating with 160 complaints (down just slightly from 162) in the past three years. Of them, 50 occurred in the last year (down from 57). The complaint volume is down overall, and down in the past 12 months, too. Unfortunately, no details are available for any of these complaints. That’s problematic because only a small portion of these complaints have actually been resolved — 18, in fact. The rest, either PA was unable to resolve the issue, or the customer never gave an indication they were happy with the agreement.

I read quite a few complaints about PayAnywhere over the course of this review. That includes pulling data from several sources, including iTunes, Google Play, and Amazon reviews, and other places where user reviews have been collected. I even looked at the BBB consumer reviews (11 of them, all negative). Based on that research, I was able to dig up a couple of major complaints about PayAnywhere:

  • Withheld funds, freezing of accounts, and termination of accounts: PA seems to be pretty trigger-happy when it comes to suspicion of fraud, which is very common for this type of processor. That said, I have noticed more complaints about sudden holds and freezes, or even 100% reserve funds, than I have about account terminations — that stands in contrast to other mPOS options such as Square, which will often just close your account instead.
  • Delayed fund transfers: There were a bunch of complaints from unhappy business owners claiming that their funds took too long to reach their bank account (usually as a result of a sudden hold). This is definitely something to be wary of, especially if you think that your business falls into the high-risk category. Don’t make the mistake of thinking your e-cigarettes business won’t have any problems with using PayAnywhere. You can also learn how to avoid holds, freezes, and terminations here.

This is what PayAnywhere has to say in the Agreement:

Suspension/Reserve/Recovery/Pooling of Funds: PA may temporarily suspend or delay payments to you or withhold or reserve your funds in order to secure your performance of your obligations to PA. This action may arise for any reason, including the occurrence or suspected occurrence of Transaction chargebacks or refunds, for which you are responsible. A chargeback will occur if the Transaction (a) is disputed, (b) is reversed for any reason, (c) was not authorized or PA has any reason to believe that the Transaction was not authorized, or (d) is allegedly unlawful, suspicious, or in violation of this Agreement. The amounts suspended, delayed or reserved shall be initially determined, and may be increased or decreased, in PA’s reasonable discretion as necessary to cover potential financial exposure on the part of PA. You grant PA a security interest in and lien on any and all funds held in any such reserve, and also authorize PA to make any withdrawals or debits from such reserve, without prior notice to you, to collect amounts that you owe PA. This security interest survives for as long as PA holds your funds in reserve.

  • Poor customer service: Another common complaint was in regards to PayAnywhere’s customer service. More specifically, the issue is phone support. There were just too many complaints for me to ignore this one. Lack of call-backs, lack of reps who can solve the issue, reps putting customers on hold and going to lunch, and no one knowing who to pass off issues to are some of the complaints I’ve heard.

Less-frequent complaints include:

  • Hidden fees: If you read the “Fees and Rates” section above you’ll know why there were a few complaints about this. Well over a year after implementing an inactivity fee, people who signed up with the company are still just now discovering the charges, and have zero trace of the email supposedly alerting them to the issue.
  • Unclear, subjective limits on processing: PayAnywhere at least acknowledges that it puts limits on what you can process per transaction and per month. Sometimes its staff tell you what those limits are. Other times, it appears that the rep who sets up the account will promise merchants whatever limits they need. PayAnywhere disagrees and sets them much lower. (This is a common problem when you have an independent sales force.) That can be a problem that ultimately leads to long holds or worse, account terminations. I strongly recommend you get everything in writing. The good news is you can appeal the decision and request an increased limit… but it’s not guaranteed.
  • Charges on transactions never completed: This also doesn’t come up as frequently as mentions of poor customer service, but enough to merit mentioning: Sometimes when funds get stuck in a hold, and PA won’t release them, it’ll still charge merchants for those fees. Sometimes they’ll still charge you to refund customers after a hold is placed, even though you’ve never seen any of that money. I really, really don’t like this, and for obvious reasons, neither do merchants.
  • Owed fees after closing accounts: This is a new complaint and one that is boggling to me because PayAnywhere is essentially a month-to-month processor. It deducts its processing fees before sending funds to your account. Yet I am seeing complaints of PayAnywhere claiming merchants owe them hundreds to over a thousand dollars after closing their accounts.

Positive Reviews and Testimonials:

Here are the most common positive reviews that I read about PayAnywhere:

  • Easy to use: There were plenty of comments about this one. The app has a 3.8-star rating in Google Play (more than 3,300 reviews) and a 3-star rating for the current version in iTunes (13 reviews; 4 stars with over 3,100 reviews for all versions).
  • Nice features: A lot of people like the inventory itemization feature.

That’s about it. There wasn’t anything else that really blew people away about PayAnywhere. As far as offerings go, it’s a decent mobile payment option with good features…end of story. The issues lie in service and support and generally the user experience, which is where a lot of companies can go wrong. However, we have seen some people praise the customer service; they’re generally long-term customers.

Final Verdict:

For a certain subset of merchants, I can see certain aspects of the PayAnywhere system being very successful. The free tablet deal is certainly unique among similar competitors, pricing is competitive, and PA is trying to keep up with industry trends — but I’m afraid only a small number of merchants will find this offer satisfactory. It only really makes sense if you:

  • Will be processing over $5,000 per month every single month.
  • Don’t need inventory count capabilities.
  • Are not interested in POS customizability or add-ons.
  • Want a tablet-based POS but don’t want to purchase a tablet.
  • Generally, don’t expect to rely on customer service at all.

If you end up paying the $79 fee, which is ostensibly a rental fee on the tablet/stand for low-volume merchants, then it quickly becomes a very bad deal indeed. So if you foresee the possibility that you might occasionally fall short of the $5K monthly volume, please don’t sign up for the “free” tablet option.

If you are processing $5k or more per month, you might find the lower rate and monthly fee are worth the free tablet offer, but you could potentially get a better deal and better customer support if you pursued a merchant account, or even looked at some of the other mobile/tablet-based options (Check out Square or Vend, for starters).

If you are strictly a mobile user, PayAnywhere is pretty similar to every other option you’ve likely considered, though you’ll probably find its hardware to be clunky and awkward. To me, that’s a disadvantage. If you are processing less than $5k a month, it is a decent starter option but you can expect the same trouble as you’ll encounter with other pay-as-you-go providers, and possibly with more frequency.

PayAnywhere’s customer service is a bit dubious, made worse by how many merchants encounter holds. What bothers me even more is the use of independent reps (which is almost always a problem) and the lack of transparency and communication.

For all these reasons, we’re going to leave PayAnywhere’s rating at 3.5 stars and hope for improvement.

Still hunting for a mobile processing option? You can check out the rest of our favorite mPOS solutions here. Good luck in your search!

Melissa Johnson

Melissa Johnson

Melissa Johnson is an independent writer and editor who loves e-commerce, digital marketing, technology, and social media. Once upon a time, she earned a journalism degree, but she went on to discover that she could work from home, researching, editing, and writing about the things she found most interesting. When she's not tied to her laptop, Melissa can usually be found in the kitchen, reading a book, or doing something of the nerdy persuasion.
Leave a comment


    Ed A

    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!!!

    Adam Apalategui

    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 so many others have...Switched to Square four months ago and still cleaning up this mess...


    This comment refers to an earlier version of this review and may be outdated.


    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 ( 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


    This comment refers to an earlier version of this review and may be outdated.


    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.


    This comment refers to an earlier version of this review and may be outdated.

    Dave Ward

    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.


    This comment refers to an earlier version of this review and may be outdated.

    Lux Veritatis Photography Studio

    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.


    This comment refers to an earlier version of this review and may be outdated.

    James Ferguson

    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.

    This comment refers to an earlier version of this review and may be outdated.

    Shannon Clary

    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.

    This comment refers to an earlier version of this review and may be outdated.


    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.

    chuck k.

    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 ????

    This comment refers to an earlier version of this review and may be outdated.

    charles kocinski

    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"


    This comment refers to an earlier version of this review and may be outdated.

    J. Powell

    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 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.


    This comment refers to an earlier version of this review and may be outdated.

    Jafar sarai

    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.


    This comment refers to an earlier version of this review and may be outdated.


    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.

    This comment refers to an earlier version of this review and may be outdated.

    Diana Romero

    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.


    This comment refers to an earlier version of this review and may be outdated.

    Melissa Estrada

    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!!!


    This comment refers to an earlier version of this review and may be outdated.

    Diana Romero

    Melissa,I am having the same issue. Did you receive your funds?


    This comment refers to an earlier version of this review and may be outdated.

    Paul Kruger

    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.


    This comment refers to an earlier version of this review and may be outdated.

    Paul Kruger

    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.

    Dave Gilbert

    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.


    This comment refers to an earlier version of this review and may be outdated.


    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.


    This comment refers to an earlier version of this review and may be outdated.


    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.

    Nhoc Ty

    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.

    Tom DeSimone

    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!


    This comment refers to an earlier version of this review and may be outdated.

    Nhoc Ty

    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."


    This comment refers to an earlier version of this review and may be outdated.


    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.

    Tom DeSimone

    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.


    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

    This comment refers to an earlier version of this review and may be outdated.

    Amad Ebrahimi


    I’m going to send you an email right now.


    This comment refers to an earlier version of this review and may be outdated.

    David Burkhart

    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.

    M. Larson

    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.

    glenn quattlebaum

    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.

    Van Voss

    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.

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