Paya (Formerly Sage Payment Solutions) Review
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- Date Established
- 1989
- Location
- McLean, Virginia
Pros
- Full range of products and services
- Interchange-plus pricing available
- Extensive online knowledgebase
Cons
- Three-year contract with automatic renewal clause
- Liquidated damages clause to cancel account
- Uses independent sales agents to market services
Overview
Paya is a merchant account provider headquartered in Reston, Virginia. The company began in 1989 as Sage Payment Solutions, a subsidiary of British accounting software firm The Sage Group. In 2017, Sage Payment Solutions was acquired by GTCR, a private equity group, and began operating as an independent organization. In early 2018, the company re-branded itself as Paya. Today, the company serves over 100,000 merchants in the United States and Canada.
In the processing industry, companies often re-brand themselves in an effort to escape a brand name that’s become toxic due to a high volume of complaints from customers. The thinking is that, if your company has a terrible reputation, you can simply change your name – and watch all those BBB complaints disappear over time. Of course, this almost never actually works, because companies invariably continue the same poor business practices that gave them such a bad reputation in the first place. This doesn’t appear to be the case with Paya. Instead, they seem to be establishing a new identity that’s independent of their previous association with the Sage Group. Because the re-branding is relatively new, you’ll still find references to Sage online and in some of the company’s documents. In fact, the old Sage Payments Solutions website hasn’t yet been taken down. Additionally, the company doesn’t appear to have rebranded its Sage Mobile Payments app.
Unfortunately, Paya doesn’t seem to have addressed any of the problems that merchants had with the old Sage Payments brand. They’re still offering merchants a standard three-year contract with an automatic renewal clause, and they’re still imposing hefty liquidated damages on merchants who close their accounts early. At $25 for each remaining month of your contract, this penalty could cost you as much as $900 to close your account early.
With the re-branding to Paya, the company has launched a new website to go along with its new name. Unfortunately, it’s a big step backward in terms of providing merchants with useful information about Paya’s products and services. Replete with empty marketing fluff, the new site offers almost no concrete information about credit card terminals, payment gateways, or other features. Sage Mobile Payments, the company’s answer to Square (see our review), isn’t mentioned at all except in the support knowledgebase.
Under both the Paya and Sage Payment Solutions brands, the company has a relatively low complaint volume for a provider of its size. Many complaints focus on the lack of transparency on the part of its independent sales agents, who appear eager to sign up new accounts without fully explaining pricing and contract terms to their customers. The company also discloses no information about pricing or processing rate plans, making it impossible for a merchant to estimate their costs without first contacting a sales agent and obtaining a rate quote.
Because of its lack of transparency, lengthy contract term, and expensive early termination fee, we can’t award Paya any higher than 3 out of 5 stars. While the company appears to still be in the process of moving their products and services to the Paya brand, the name change isn’t likely to benefit them in the long run unless they improve their pricing and the terms of their contracts.
You can read on to find out more about Paya, or skip ahead to our Merchant Account Comparison Chart to see how our top-rated providers stack up.
We've done in-depth research on each and confidently recommend them.
Table of Contents
Products & Services
Paya appears to offer a full range of products and services for both retail and ecommerce merchants, but doesn’t provide very much detailed information about them on their website. Here’s a run-down of their primary offerings:
- Merchant Accounts: Paya is not a direct processor. In the United States, merchant accounts are underwritten by either TSYS Merchant Solutions or Chase Merchant Services (see our review). Canadian merchants will be underwritten by either Chase or Moneris Solutions. Be sure to review your contract documents to confirm which entity is actually processing your transactions. While Paya provides their own customer support, transaction holds and account freezes are the responsibility of your backend processor.
- Industry-Specific Solutions: The company offers specialized services to meet the needs of certain categories of businesses, including B2B, education, government/utilities, healthcare, and nonprofits. Unfortunately, they don’t offer very much specific information about these services on their website.
- Countertop Terminals: The old Sage Payments website featured information about specific models of EMV-compliant terminals, including the Ingenico iCT220 and iCT250, as well as the Verifone VX520 and VX680. Unfortunately, the new Paya site doesn’t mention countertop terminals at all. Although you can probably still buy processing hardware from Paya, we emphatically recommend that you never lease a terminal.
- Mobile Payments: While the old Sage Mobile Payments app is still available on the iTunes App Store and the Google Play Store, the company appears to now be using a mobile payments system called Paya Mobile EMV. This system uses the SwipeSimple mobile app and either the Swift B200 or B250 card readers. Both readers connect via Bluetooth and can accept EMV and magstripe payments. However, only the B250 model supports NFC-based payment methods, such as Apple Pay and Android Pay.
- Payment Gateway: For ecommerce merchants, the company offers Paya Connect. This payment gateway is a robust integrated payments platform, offering support for credit/debit card and eCheck (ACH) payments. It includes all the standard features you’d expect to find, among them a secure customer database, support for recurring billing, and an automatic Account Updater. Paya Connect is compatible with numerous popular online shopping carts, including Magento, 3DCart (see our review), and Shopify (see our review). A full list of compatible carts and plugins is available in Paya’s knowledgebase.
- Developer Tools: Paya has a robust Developer Portal for customers who want to customize the interface between their website and the Paya Connect platform. Here, you’ll find plugins and APIs to enhance the basic platform with additional features.
- Virtual Terminal: The company also offers the Paya Virtual Terminal, a proprietary virtual terminal that allows you to turn your computer into a credit card terminal. Transactions can be entered manually or through the use of a USB-connected card reader.
- eCheck (ACH) Payment Processing: The company offers several products to facilitate accepting both paper and electronic checks as payment. Paya Point of Sale Conversion allows you to accept paper checks by scanning them with an optional imager connected to your credit card terminal. Paya 21 gives you the ability to deposit paper checks electronically, and uses a scanning device connected to your computer. For ecommerce merchants, Paya Virtual Check enables ACH payments on your website. Pricing for these optional features is not disclosed.
- Simplified Boarding: Paya now uses an online application process that they claim will allow you to be approved for an account and start processing in as little as 15 minutes. Of course, this doesn’t include the time required to install their payment gateway or receive your credit card terminal, so don’t take this number too seriously. We’d also point out that rapid account approval is not necessarily a good thing. Companies that offer near-instant approval are also very quick to shut down your account once you start processing if you do anything to attract the attention of their Risk Department. This “feature” is designed primarily to bind you to a long-term contract before you’ve had adequate time to review your contract documents. If you realize that you made a mistake in signing up, it could cost you as much as $875 in liquidated damages to close your account.
Although Paya clearly has a robust lineup of products and services for ecommerce merchants, they only receive a “good” in this category due to the lack of information regarding hardware options for retail merchants. We’d like to see much more information about credit card terminals and point-of-sale (POS) systems than what is currently available on their website.
Fees & Rates
Like many providers, Paya does not disclose any fee or rate information on their website. There are both good and bad reasons for doing this. On the one hand, processing rates vary widely based on a merchant’s processing history, monthly processing volume, and other factors. It’s not practical to list every possible rate you might have to pay, and we – somewhat reluctantly – prefer this approach over the misleading “rates as low as…” claims made by other providers, where only the lowest possible rate is quoted despite the fact that most merchants will end up paying much higher rates most of the time.
Fees, likewise, aren’t fixed and can vary from one merchant to the next. This is why Paya’s Merchant Agreement doesn’t list any fees, either. These fees are variable and subject to negotiation. At the same time, the lack of transparency makes it impossible for a merchant to estimate actual processing costs. If you’re considering switching to Paya from your current provider, the only way you can make a cost comparison is to obtain a quote from a sales representative and see how it stacks up against your current provider.
Despite the lack of disclosure, feedback from merchants indicates that Paya offers a mix of both tiered and interchange-plus pricing plans. Unfortunately, you’ll almost certainly have to ask for an interchange-plus plan if you want to avoid being stuck with tiered pricing. Tiered plans are usually more expensive, which translates to increased residuals for your sales agent. If you can’t negotiate an interchange-plus plan, we recommend that you take your business elsewhere.
We couldn’t find much concrete information about account fees, so our best recommendation is to negotiate as best you can and be sure to review your contract thoroughly before signing up. The company’s Merchant Agreement lists all fees, but leaves the amount blank for your sales agent to fill in before you sign up. This means that those fees are negotiable, and you might be able to have some of them waived altogether. While application and account setup fees can usually be waived, other items (such as chargebacks) are not subject to negotiation.
One fee we are aware of from merchant comments is an annual fee of $100 for PCI compliance. Although it’s generated a fair number of complaints, this fee is in line with the industry average. We’d prefer to see a monthly fee – or no fee at all – for this service. Many other competing providers do not charge a PCI compliance fee, although some of them compensate by charging a higher monthly account maintenance fee.
The company earns a “fair” rating in this category due to the lack of transparency regarding processing rates and account fees. We encourage you to read your proposed contract thoroughly before signing up – and try to negotiate a waiver of any “junk” fees that might be added on.
Contract Length & Early Termination Fee
According to Paya’s Merchant Agreement, all merchant accounts include a standard initial term of three years. There’s also an automatic renewal clause that extends the contract for two-year periods after that. While these periods are generally in line with industry averages, be aware that there are plenty of providers on the market today who will automatically give you a month-to-month contract. In fact, the general trend within the industry is to move away from long-term contracts and switch to a more flexible month-to-month arrangement.
Getting out of your contract isn’t easy – or cheap – either. In addition to having to provide written notice at least thirty days before you can close your account, you’ll also have to pay an early termination fee (ETF). Unlike many providers who charge a flat-rate ETF, Paya imposes a liquidated damages-like fee of $25 per month for every month remaining on your contract. This fee could potentially be as high as $875 (assuming you had 35 months left on your contract). While this isn’t as draconian as a standard liquidated damages clause, which is based on your projected processing charges for the remainder of your contract, it’s still a hefty penalty for trying to close your account early when the industry standard is $295.
We highly recommend that you at least try to negotiate having this clause stricken from your contract altogether. If that doesn’t work, your best bet is to follow the instructions in your contract and close your account before it auto-renews. This will save you from having to pay an ETF at all.
Paya earns a “fair” rating in this category due to their standard-length three-year contract and early termination fee. While these terms aren’t much worse than the industry average, they’re still less than ideal, and could cost you a lot of extra money if your relationship with the company doesn’t work out.
Sales & Advertising Transparency
With the name change to Paya, the company has recently launched a brand-new website that better reflects its current product lineup. While it’s very slick and professional-looking, it’s not very informative. As we’ve noted above, there’s little concrete information about products or services, and no disclosures whatsoever regarding pricing. Instead, you’ll find the usual empty marketing fluff that doesn’t tell you anything that you really want to know about what the company has to offer. The one bright spot is Paya’s online knowledgebase, a carry-over from the old Sage Payments site. It’s full of helpful information, and is much more robust than what most processors provide.
To get the information you’ll need to make an informed decision about signing up with Paya, you’ll have to contact the company’s sales agents to get a quote and find out more details about what they can provide for your business. The company maintains an in-house sales team, and they should be your first point of contact, if possible. Unfortunately, Paya also uses independent sales agents and a network of sub-ISOs to market their accounts. Most of the complaints regarding unethical sales practices can be traced to these independent agents, who frequently work on a commission-only basis and are under tremendous pressure to close a deal. While there are some honest, reputable independent agents out there, the odds of finding one are not good. In-house sales staff are generally better trained and more closely supervised, and provide better overall service.
The company now has Paya-branded social media accounts on Facebook, Twitter, and LinkedIn. There’s also a Paya-branded YouTube channel. These accounts are updated frequently and include company news and educational articles. Paya’s YouTube channel contains dozens of instructional videos, but no customer testimonials.
Paya only earns a “fair” rating in this category, primarily due to the lack of disclosures on its website and its use of independent sales agents.
Customer Service & Technical Support
Paya offers 24/7 telephone, email, and chat support, but has received a fair number of complaints regarding the quality of that support. At the same time, the company’s extensive online knowledgebase is a very useful resource for solving minor technical problems on your own. Customer support is always a tricky issue with payment processors, as most companies don’t invest sufficient resources into training their customer support representatives and frequently rely on outsourced agents for after-hours phone support. Customers are also far more likely to complain about a bad customer support experience than they are to offer positive feedback for a good one.
Overall, Paya earns a “good” rating in this category. They offer almost every support option available (although they don’t appear to provide a dedicated account manager for more personalized service), and their complaint volume in this area isn’t excessively high.
User Reviews
For a company that serves over 100,000 merchants, Paya has a relatively low complaint volume. However, the nature of the complaints is such that they raise issues you should be aware of before signing up for merchant services with them. Positive feedback for the company is practically nonexistent, as Paya hasn’t published any testimonials and none of their merchants have offered any unsolicited praise for them online.
Negative Reviews & Complaints
Paya has been accredited by the BBB since 2006, and currently has an A+ rating. Note that while you’ll find listings for both Paya and Sage Payment Solutions, both profiles contain the same information. The company currently has 14 complaints filed within the last three years, with three of those complaints being filed within the last twelve months. This represents a notable decline in complaints since our last review update, and is actually a relatively low number for such a large company. There are also seven customer reviews on the company’s BBB profile, with all seven reviewers giving the company a one-star (out of five) rating. Paya has responded to every complaint, although they were only able to resolve about half of them to the merchant’s satisfaction.
There are also 18 complaints under the old Sage Payments Solutions name on Ripoff Report, many of which are directed at some of the numerous sub-ISOs that sell the company’s services. Quite honestly, most of the complaints on Ripoff Report appear to be from merchants who either didn’t read or didn’t understand their contracts. BBB complaints, on the other hand, mostly focus on legitimate problems where Paya was more likely to be at fault.
Issues that came up frequently in merchant complaints include the following:
- High Early Termination Fee: As we’ve mentioned, Paya charges merchants $25 for every month remaining in their contract if they close their account early. This can be prohibitively expensive if you cancel in the first few months of your contract, so be aware of it and try to negotiate a waiver of this provision when setting up your account.
- High PCI Compliance Fee: Paya also charges an annual fee of $100 for PCI compliance. While this is a common practice in the processing industry and the amount is in line with what most other providers charge, it appears that the company’s sales representatives don’t do a very good job of disclosing it up front. Again, we can’t emphasize enough how important it is to review every word of your contract before you sign up. This is not a “hidden” fee. Like many other providers, Paya also appears to charge a PCI non-compliance fee if you haven’t kept your account compliant. This fee is reported to be around $35 per month for each month that you’re out of compliance.
- Poor Customer Service: Naturally, merchants who have had problems also complain about customer service after they’ve had to contact them to resolve those problems. Paya is a big company, and unfortunately, the bigger companies seem to have more issues with customer service than the smaller ones.
Positive Reviews & Testimonials
The new Paya-branded website currently does not include any testimonials from actual customers. While these kinds of company-produced testimonials are always very one-sided, they’re still helpful in showing how merchants are using (and, hopefully, benefiting from) the company’s services.
We also couldn’t find any other positive comments from users about Paya online. This isn’t unusual, though, as satisfied merchants rarely take the time to post positive reviews. If you’ve had a good experience using Paya for payment processing, please tell us about it in the Comments section below. Thanks!
Paya earns a “fair” rating in this category. While their overall complaint volume is relatively low for a company of their size, the issues raised in the complaints indicate significant problems in the areas of customer service and sales transparency. The lack of any counterbalancing positive testimonials also hurt their score.
Final Verdict
The payment processing industry is very competitive, with a huge number of providers vying for your business. While only a few are truly excellent, many others are just awful. Paya currently falls somewhere in the middle of these two extremes, sticking close to the industry standard in terms of pricing and contract terms, but not offering any exceptional products or services that distinguish it from other providers.
While the company isn’t a direct processor, they’re large enough to produce their own proprietary Paya-branded services. The Paya Connect platform looks particularly useful whether you’re running an online business or are a traditional retail merchant.
However, the company’s contract terms make it hard to give them any more than a lukewarm recommendation. We particularly don’t like the two-year automatic renewal periods included in Paya’s standard contracts. Coupled with the $25-per-month early termination fee, it suggests that the company is deliberately trying to make money off merchants who close their accounts early. This is particularly egregious considering that many early account closures, particularly among small businesses, occur because the merchant is going out of business (rather than switching to a competing provider).
We’d also like to see Paya offer an improved website that provides more details about the company’s products and services, as well as pricing disclosures where possible. At the moment, the best thing we can say about the current site is that it doesn’t include any of the commonly-used (and misleading) sales gimmicks that you’ll find on many competitors’ sites.
Overall, Paya receives a rating of 3 out of 5 stars. This is a very average rating, and reflects the fact that the “industry average” is pretty awful in the payment processing industry. If you can buy your own equipment, get interchange-plus pricing, and negotiate a waiver of the early termination fee, the company might be a good fit for your business. However, there are much better providers out there that will offer you these things without the need to negotiate. Check out our Merchant Account Comparison Chart to compare some of the top providers in the industry.
We've done in-depth research on each and confidently recommend them.
Frank Kehl
Frank Kehl has been writing about merchant services, payment gateways, and international money transfer services since 2015. He has a Bachelor of Science degree from Penn State and a Juris Doctorate from the Ventura College of Law. After a long and enjoyable career of traveling around the world as an Air Force navigator, he’s comfortably settled down in the wine country town of Paso Robles in California’s scenic Central Coast region. He enjoys reading, photography, hiking, and numerous other outdoor pursuits.
Latest posts by Frank Kehl (see all)
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Read Next
DO NOT EVER DEAL WITH THIS COMPANY_ I HAVE NOT EVEN SIGNED UP WITH THEM AND THIS IS WHAT HAPPENED. HAVE SENT THIS ON TO THE STATE ATTORNEYS OFFICE AND FEDERAL FRAUD OFFICE , AND WILL CONTINUE LEAVING THIS ON EVERY SITE I CAN UNTIL I AM REFUNDED THESE COMPLETELY FRAUDULENT CHARGES THAT I HAVE BEEN RECEIVING FROM A COMPANY I NEVER HAD EVEN HEARD OF.Dear Robert,I have spoken with international bank card at length and with one of the corporate officers regarding the situation with this company called Sage. I purchased the check processing machine from international bank card. I paid $190 for it. At that time it was at my discretion to sign a contract with anyone that would handle my check processing, I know for a fact that I have never dealt with Sage solution, I have never received one single statement from your company I have never signed a contract from your company and from a legal standpoint you must provide me with a copy of my contract, I will not sign anything other than sending you this email that is enough to request for the contract. By law you must provide me with a copy of my contract that I signed and it must be an original. I believe you want me to sign something requesting my contract so you can have my signature and information to commit more fraud. I believe that your company has committed fraud and has somehow gotten my personal and bank information and decided to debit my account. There has never been any activity whatsoever for any checks ever being processed through your company by the machine that I purchased. This machine has never been activated. No such statement has been received by you. No 1099 has ever been issued by your company. No mail has ever been issued to me about your company no email has ever been issued to me about your company there has been zero contact from your company until I contacted you about these alarming fees that have taken place since June 2015. Your company has committed fraud to a small business owner and I find it alarming that I have no emails from this company whatsoever telling me anything. I will continue to fight this through my bank and I will report this to all agencies. Bonnie Metry-Foley Christiane Larue2243 Cole streetBirmingham, Mi. 48009Sales@christianelarue.com
This comment refers to an earlier version of this review and may be outdated.
Terrible service. Customer service is terrible and when questioned about fees and where they are coming from they don’t respond or they waive the fees and tell you the issue is resolved without telling you what the issue was to begin with. They attempt to bully merchants out of money without providing a written statement of the fees or charges claimed in violation of a host of fair debt collecting practices. Do not be bullied by them – know your rights as a consumer and do not be afraid to contact your state attorney general’s office for guidance regarding consumer complaints and collection practices. Run do not walk away from this company. I am so glad to be rid of them forever.
This comment refers to an earlier version of this review and may be outdated.
Sage has trapped me in a 3 year contract. It would cost me over 400.00 to cancel. They charged me a big fee to be pci compliant. and Since I didn’t reapply for pci compliant, they charged me another 35.00 month as a fine. You would have to be crazy to sign up with them. thumbs down to sage. Fuck them.
This comment refers to an earlier version of this review and may be outdated.
Terrible Terrible Terrible!! Ridiculous fees. And, it only got worse when I tried to cancel. There are a lot of decent merchant service providers out there. Go elsewhere.
This comment refers to an earlier version of this review and may be outdated.
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Horrible Company SAGE !The sales person never told me about any early termination fee and now I am getting calls from SAGE to pay the ETF. Do not do business with this company. They do not work with the customer to resolve the issue and send it directly to collection agency.
This comment refers to an earlier version of this review and may be outdated.
Beware of this company – very shady!! After being with them for a couple of years and having no problems, issues arose when a customer used a stolen credit card to purchase items from my website. Sage (without permission) deducted the purchase amounts from my bank account 1 month AFTER I had shipped the products to the customer. Luckily Wells Fargo abruptly put a stop to any more deductions, but I am now still doing battle with Sage regarding the dispute of funds. Instead of going after the criminal who used the stolen card, they are trying to make me refund this money for the goods purchased & received by the thieving customer. I have receipts proving that the customer received the products they “ordered” yet that matters not to Sage. They need to be addressing this problem with the credit card issuer’s company, not me. So far, I’ve filed complaints against them at StopFraud.gov and have consulted with a lawyer. This is a mess of a company who clearly does not know how to handle credit card transactions. My secondary form of payment acceptance is via Paypal. I had a similar incident with them a few years ago – they immediately refunded my money after I emailed proof of delivery. No problems, no mess. I’m just hoping Sage goes bankrupt for scandalous business practices.
This comment refers to an earlier version of this review and may be outdated.
Skip Sage.
I have been using them for several years, initially because they were the only option through my accounting package.
If you end up with any kind of a charge back from an unruly customer, Sage is terrible to deal with. I have only had 3 in 10 years (out of about 10000 transactions) but each time it was a hassle and every time they dragged out their decision until I had no time left to reply with the additional documents that they requested. They also use the “fax problems” excuse every time and to make sure the case does not drop you must call to verify after every fax. One time they needed just a proof of delivery but gave me only 2 days from the date of the letter to respond.
Have an open issue now from the Home Depot data breach. Customer’s card info was compromised resulting in a chargeback after initial approval. I supplied all of the required paperwork and the customer was manually approving the charges each day with his bank. Still received a denial. Total BS and in our current banking climate there is no way to get recourse against Sage.
Go elsewhere, there are better options. I will be switching shortly.
This comment refers to an earlier version of this review and may be outdated.
I was almost signing up with Sage, after reading the deceitful ad on their website. Then my instincts told me to google Sage Payment Solutions Reviews…. then I came across these customer comments. My verdict is simple: Never go for Sage!
This comment refers to an earlier version of this review and may be outdated.
The Sage rep that called me and convinced me to switch to Sage was VERY nice. and for a while, I was happy with Sage. But 6 months later, Intuit offered a credit card processing that links into my quickbooks online, making my life easier. But, little did i know that i was in a 3 year contract with Sage. The salesperson NEVER told me. I never saw that on anything that i signed. They want $700 for me to cancel. I argued and ask them to waive it, they said they will not. Then I told them I will write bad reviews about Sage everywhere I can. They said they don’t care, go ahead.This company is shady, there are A LOT of other choices out there. I also found that the rates the sales guy bragged about were a manipulation, i ended up paying much higher than he said I would. Its lies and deceit from Sage, AVOID SAGE!
This comment refers to an earlier version of this review and may be outdated.
They may not care if you write bad reviews, but I do. I am about to go
live with my company and I will now NEVER consider using Sage.
This comment refers to an earlier version of this review and may be outdated.
I would give this company a zero star if I could. This is the worst company that I have ever delt with. They should never be in business. Take if from all the reviews on this company they are deceptive with their fees. The continue to tell you that you are saving money when in fact you are paying more than you ever have with previous companies. When you decide that you have had enough and you end your business with them, then you find out via a bank statment that they have you by the throat with a three year contract that they never disclosed and it costs you another $700+. Please trust me and the other reviews this is the worst company and you will not be happy with their services.
This comment refers to an earlier version of this review and may be outdated.
Ive been using Sage Payment Solutions to process credit card transactions for over 2 years. In december i noticed that i was charged $90 for processing $300 worth of credit card payments. I am a small pest control company and $300 is the most i have ever processed thru them. Last month i was charged $40 for $90 worth or transactions. I called to cancel with them and was told to leave my bank account open incase other payments had not cleared. a week later i noticed a $475 cancellation fee on my bank statement. I was never informed of a cancellation fee or recieved a statement. I called to have the fees reversed since they were charged without my knowledge as was informed that the only person who could do that was out of state.
This comment refers to an earlier version of this review and may be outdated.