VizyPay Review: Do Cash Discounts & Hybrid Credit Card Processing Really Work?

Pros

• Transparent pricing
• Month-to-month billing
• No setup fees
• Excellent customer support
• Very few public complaints

Cons

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

What Is VizyPay?

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

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

Is VizyPay Legit?

VizyPay offers legitimate payment services with transparent pricing. The company is overwhelmingly well-received by merchants on review sites and currently has zero complaints filed against it with the Better Business Bureau. All told, we can confidently state that yes, VizyPay is legit.

Products & Services

VizyPay is a credit card processor and merchant account provider — technically, it is a reseller of First Data/Fiserv merchant accounts — but the company’s full range of merchant services extends well beyond payment processing. Here’s what VizyPay can do for your business.

VizyPay Fees & Rates

VizyPay Cash Discount Program

The Cash Discount Program’s monthly fee structure works like this:

• $25/month for merchants processing less than $5,000/month
• $50/month for merchants processing $5,000 to $10,000/month
• $99/month for merchants processing over $10,000/month

VizyPay has a Cash Discount Savings Calculator on its website. Input your monthly credit card sales volume, and VizyPay will show you how much you potentially stand to save on a monthly and annual basis. Essentially, the more you process, the more money you can save.

Here are the other fees associated with the Cash Discount Program:

VizyPay Dual Pricing Program

As stated earlier, this gas station-friendly program comes with a $25 monthly fee, but otherwise appears to work much the same as the Cash Discount program. Here are the program’s other cost details:

VizyPay Traditional Program

Here’s what you’ll be charged under VizyPay’s traditional pricing scheme:

• Monthly Cost: $15/month
• Swiped/Dipped/Tapped Rate: Interchange + 0.35% + $0.10 per transaction
• Keyed-In/Virtual Rate: Interchange + 0.45% + $0.15 per transaction
• Gateway Cost: $10-$15/month + $0.05 per transaction

You’ll also incur the following costs:

VizyPay Hybrid Program

Here are the primary charges attached to VizyPay’s Hybrid Program:

• Monthly Cost: $25/month
• Swiped/Dipped/Tapped Rate (Credit Cards): Paid by customer
• Swiped/Dipped/Tapped Rate (Debit Cards): 1.5% + $0.25 per transaction
• Mid- & Non-Qualified Debit Card Rates (Including Virtual Rates): 2.5% and 3.5% per transaction
• Gateway Cost: $10-$15/month + $0.05 per transaction

Here are the additional fees:

Sales & Advertising Transparency

VizyPay discloses all costs and fees associated with its various pricing plans and POS options on its website. This transparency is refreshing in an industry still ridden with opacity.

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

Contract Length & Early Termination Fee

VizyPay proclaims, “We don’t believe in contracts” on its website. Instead, the company offers month-to-month agreements for its services. As such, there are no early termination fees (ETFs) or monthly minimums to worry about. If you don’t like VizyPay, you can go another way within a month.

Merchant Maverick’s original mission at launch was to shine a light on the merchant account industry’s ossified ways and promote merchant-friendly processing practices. We’re happy to report that VizyPay offers month-to-month agreements with no fuss.

Customer Service & Technical Support

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

VizyPay’s 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.

VizyPay Reviews & Complaints

VizyPay reviews posted by merchants are almost unanimously positive, even raving. VizyPay has only been around since 2017, so there isn’t as much public feedback about VizyPay as there is with some processors, but what’s out there is impressive. The company earns the following user rating averages at popular review sites:

• Trustpilot: 4.9/5 based on 1,452 reviews
• Facebook: 4.9/5 based on 58 reviews
• Google Reviews: 4.4/5 based on 121 reviews

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

Final Verdict On VizyPay

VizyPay offers several well-regarded POS systems, 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. Its cash discount program stands to benefit certain types of retail businesses financially. Users have 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 would be in the running for a 5-star review. As is, VizyPay earns an outstanding 4.5 out of 5 score. Low-volume merchants may be better served by going with a third-party processor, such as Square or PayPal. For a wide array of retail businesses and restaurants, though, VizyPay is a superb merchant services solution.

Read our article on zero-cost payment processing programs to understand how cash discounting compares to other pricing schemes that let you pass processing costs to your customers. Lastly, if you’d like to consider other merchant account options, check out some of our other recommended merchant account providers.

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Check Out Our Preferred Point of Sale Software 🏆

	Square POS	Lightspeed Retail POS	Clover POS	TouchBistro
	Visit Site Read Review	Visit Site Read Review	Visit Site Read Review	Visit Site Read Review
Best For	Free POS	Advanced features	Ease-of-use	Food service
Monthly Fee	Starts at $0	$99+	Starts at $0	$69
Free trial	Free version	14 days	30 days	None
Next Steps	Visit Site	Visit Site	Visit Site	Visit Site

See more information

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We've done in-depth research on each and confidently recommend them.

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