This merchant account provider offers both traditional and cash discount processing programs with Clover and other hardware options.
WRITTEN & RESEARCHED BY
Expert Contributor
Last updated onUpdated
REVIEWED BY
Expert Contributor
| Total Rating |
4.6 |
|---|---|
| Fees & Rates4.4 | |
| Products & Services4.1 | |
| Contract4.8 | |
| Sales & Advertising Transparency5.0 | |
| Customer Service5.0 | |
| User Reviews4.9 | |
Table of Contents
VizyPay is a merchant account provider that offers debit and credit card processing, point-of-sale systems, a virtual terminal, and working capital loans. The company provides its services on a month-to-month basis with no long-term contracts and has an excellent public reputation — a combination now offered by most of the best credit card processing providers.
Along with a traditional pricing model featuring interchange-plus pricing, VizyPay offers a cash discount program. Cash discounting works by adding a charge to the price of your goods prior to purchase while giving cash-paying customers a discount. VizyPay also offers a hybrid program that partially covers payment processing costs. We’ll delve into the program’s details in this VizyPay review.
VizyPay offers legitimate payment services with transparent pricing. The company is overwhelmingly well-received by merchants on review sites and currently has zero complaints filed against it with the Better Business Bureau.
All told, we can confidently state that yes, VizyPay is legit.
| Products & Services4.1 |
|---|
| Software & Services 4.0 |
| Hardware & Equipment 4.2 |
VizyPay is a credit card processor and merchant account provider — technically, it is a reseller of Fiserv merchant accounts — but the company’s full range of merchant services extends well beyond payment processing.
The quality and quantity of VizyPay’s merchant services and its advanced cash discounting options earn the company high marks in this category. If the company offered a bit more to eCommerce merchants, it could boost this rating further.
Here’s what VizyPay can do for your business.
| VizyPay Features | Availability |
|---|---|
| Dedicated Merchant Account | |
| PCI Compliance | |
| High-Risk Accounts | |
| International Accounts | |
| Contactless Payments | |
| ACH Processing | |
| Digital Wallet Acceptance | |
| EBT Acceptance | |
| Virtual Terminal | |
| Mobile POS Reader & App | |
| Hosted Online Store | |
| Payment Links | |
| Payment Gateway Integrations | |
| Shopping Cart Integrations | |
| POS Integrations | |
| BNPL Integrations | |
| API Documentation | |
| Currency Conversion | |
| Recurring Billing | |
| Invoicing | |
| Cash Discount Program | |
| Cryptocurrency Processing |
| Fees & Rates4.4 |
|---|
| Pricing 5.0 |
| Affordability 3.8 |
We appreciate the number of options VizyPay gives merchants seeking a way to offset the costs of payment processing. Though you’ll face a number of ancillary fees with VizyPay’s pricing programs, these fees are all disclosed with a degree of specificity that you don’t normally see from a merchant account provider, so we’re giving the company excellent marks in this area.
| Item | Value |
|---|---|
| Pricing Range | $10-$99/month |
| Account Setup Fee | $0 |
| Contract Length | Month-to-month |
| Processing Model | Cash discount, interchange-plus, flat-rate |
| Card-present Transaction Fee | Interchange + 0.35% + $0.10 for credit; 1.5% + $0.25 for debit (or $0 on cash discount plans) |
| eCommerce Transaction Fee | Interchange + 0.55% + $0.15 |
| Equipment Cost | $135+ |
The lowest-cost equipment you can purchase from VizyPay is the SwipeSimple Bluetooth card reader, while Clover devices can cost up to several thousand dollars—or be financed with a monthly payment plan.
| VizyPay Plans | Price | When To Use |
|---|---|---|
| Traditional Program | $10/month for mobile only or $15/month for terminal or POS | If you want a standard interchange-plus plan without passing on any processing fees to your customers. (Merchant pays interchange + 0.35% + $0.10/authorization) |
| Cash Discount Program | $25-$99/month depending on your processing volume | If you want to save on processing costs by passing on 100% of your processing fees to customers. (Cash-paying customers receive a discount.) |
| Dual Pricing Program | $25/month | If you want to save on processing costs by passing on 100% of your processing fees to customers. (Card-paying customers pay a higher price.) |
| Hybrid Program | $25/month | If you want to save on processing costs by passing credit card processing fees to customers. (Merchant pays 1.5% + $0.25/transaction for debit card sales.) |
The distinction between the Cash Discount and Dual Pricing plans is somewhat blurry, as they both involve passing 100% of credit and debit card processing costs to customers (which is why these program types are often referred to as “zero-fee” credit card processing or just “free credit card processing“). However, the two processing models have slightly different compliance requirements—Dual Pricing compliance requirements are stricter—and VizyPay notes that Dual Pricing is especially suited to gas stations.
If you opt to use Clover POS, you will have to pay an additional monthly software fee from Clover. If you need virtual terminal access, you will be charged a monthly fee as well.
VizyPay also lists various other incidental fees and fees for optional add-ons:
| VizyPay Extra Costs | Price |
|---|---|
| VizyPay Virtual Terminal | $50 setup + $15/month |
| Authorize.Net or USAePay Virtual Terminal | $49 setup + $15/month + $0.05 |
| Clover Go Mobile | $10/month |
| Clover Financing Plans | $50-$140+/month |
| AVS Cost (for keyed-in sales) | +$0.05 |
| Chargeback Fee | $25 |
| Retrieval Fee | $25 |
| Voice Authorization Fee | $2.00 |
| PCI Non-Compliance Fee | $24.95/month |
| Account Closure Fee | $50/location |
| ACH Reject Fee | $30/instance |
| Sales & Advertising Transparency5.0 |
|---|
| Sales Practices 5.0 |
| Web Presence 5.0 |
VizyPay discloses all costs and fees associated with its various pricing plans and POS options on its website. Plus, feedback from merchants indicates that VizyPay doesn’t rely on the shady high-pressure sales tactics still employed by many companies in the industry. VizyPay earns an excellent score in this category.
VizyPay has an active presence on social media. Its Facebook, X/Twitter, Instagram, LinkedIn, and Pinterest accounts are appropriately active. Its YouTube channel offers help with lots of deep-in-the-weeds merchant tasks (such as applying discounts with a Clover Station or how to do a manual entry on a Dejavoo terminal). You’ll find VizyPay help videos in Spanish, too.
| Contract4.8 |
|---|
| Commitment 5.0 |
| ETF & Other Fees 4.6 |
VizyPay proclaims, “We don’t believe in contracts” on its website. Instead, the company offers month-to-month agreements for its services. As such, there are no early termination fees (ETFs) or monthly minimums to worry about. If you don’t like VizyPay, you can go another way within a month. You only need to pay a very reasonable account closure fee (see “Fees & Rates section).
| Customer Service5.0 |
|---|
| Personal Support 4.9 |
| Self-Service 5.0 |
VizyPay offers 24/7 customer support via phone and email. Feedback from merchants regarding the company’s customer support is almost universally glowing. Merchants seem genuinely enthusiastic about how the company treats them when a question comes up. We’re happy to give VizyPay an excellent customer service rating.
| VizyPay Customer Service | Availability |
|---|---|
| Phone Support | |
| Email Support | |
| Support Tickets | |
| Live Chat | |
| Dedicated Support Representative | |
| Knowledge Base or Help Center | |
| Videos & Tutorials | |
| Company Blog | |
| Social Media |
VizyPay’s self-help resources are also impressive, featuring an extensive online knowledgebase is split into sections for Point Of Sale Solutions, Terminal Solutions, and Customer Support. The first two sections deal with questions about the terminals, POS systems, and payment gateways used with VizyPay’s processing services. The Customer Support section offers support for cash discounting questions, PCI compliance, and the like.
| User Reviews4.9 |
|---|
| Customer Feedback 5.0 |
| Review Site Aggregate 4.8 |
VizyPay reviews posted by merchants are almost unanimously positive, even raving. VizyPay earns an exemplary score in the user reviews category.
The company earns the following user rating averages at popular review sites:
While the company currently has one poor review and one good review posted to its unaccredited BBB page, the company has no actual complaints posted over the past three years and has an A+ rating.
VizyPay offers the full line of Clover devices, an in-house POS app that works with PAX equipment, and online payment gateways to go along with its payment processing, and all rates and fees are fully disclosed. Plus, its cash discount programs stand to benefit certain types of retail businesses financially.
Perhaps more impressively, VizyPay’s users report overwhelmingly positive experiences with the company’s services, pricing, and, particularly, its technical support and customer service.
With a few more features on offer — perhaps more eCommerce features — VizyPay could boost its score even further. Furthermore, low-volume merchants may be better served by going with a payment service provider such as Square or PayPal. For a wide array of retail businesses and restaurants, though, VizyPay is a superb merchant services solution.
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The vendors that appear on this list were chosen by subject matter experts on the basis of product quality, wide usage and availability, and positive reputation.
Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.
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