VizyPay Review

This merchant account provider offers both traditional and cash discount processing programs with Clover and other hardware options.

WRITTEN & RESEARCHED BY
Jason Vissers
Expert Contributor

Last updated onUpdated July 22, 2026

REVIEWED BY

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VizyPay

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Total Rating	4.7
Fees & Rates4.7
Products & Services4.1
Contract4.6
Sales & Advertising Transparency5.0
Customer Service4.8
User Reviews4.9

VizyPay At A Glance

Offers full merchant accounts with Clover, PAX, SwipeSimple, and other third-party POS options
Provides traditional interchange-plus pricing with publicly disclosed rates and fees
Offers Cash Discount, Dual Pricing, and Surcharge programs for businesses that want to offset processing costs

Supports in-person, mobile, and online payments, including virtual terminals, invoices, and recurring billing

Uses month-to-month agreements with no long-term processing contract

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Pros

Transparent pricing
Month-to-month billing
Multiple pricing options
Wide selection of hardware
Excellent customer support

Cons

Only supports US-based merchants
Not suitable for high-risk businesses

Table of Contents

What Is VizyPay?
Products & Services
Fees & Rates
Sales & Advertising Transparency
Contract Length & Early Termination Fee
Customer Service & Technical Support
User Reviews
Final Verdict Of VizyPay

What Is VizyPay?

VizyPay is a merchant services provider that offers credit and debit card processing, POS systems, mobile payments, virtual terminals, and payment gateways. It uses month-to-month agreements and publishes detailed pricing for its main processing programs.

Businesses can choose from traditional interchange-plus pricing, cash discount, dual pricing, or surcharge-based processing. These programs let merchants either pay the processing costs themselves or offset some or all of those costs through customer pricing.

Products & Services

Products & Services4.1
Software & Services 4.0
Hardware & Equipment 4.2

VizyPay is a credit card processor and merchant account provider, but its services extend beyond payment processing to POS systems, mobile payments, virtual terminals, and business funding.

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

Credit & Debit Card Processing

Payment processing forms the core of VizyPay’s merchant services. There are a few different pricing models to choose from:

Cash Discount: Allows business owners to offset up to 100% of their processing costs.
Dual Pricing: Allows businesses to present customers with a cash price and regular price, so customers can choose how they pay.
Surcharge Program: Allows businesses to offset up to 60% of processing costs by charging customers a fee.
Traditional: Standard payment processing where the merchant pays 100% of fees.

Point Of Sale Software & Hardware

VizyPay offers various processing systems, including mobile POS, countertop POS, and wireless smart terminals.

VizyPOS: The VizyPOS system pairs with the PAX family of mobile POS devices. Its advanced inventory capabilities allow you to add and import products through the VizyPOS portal. You’ll also get split tender capabilities, reporting, analytics, and automatic price adjustment if you implement cash discounting.
SwipeSimple: If you just want an mPOS device and an iOS/Android mobile app that can take swiped, dipped, and tapped transactions, SwipeSimple’s card reader and app give you this and more. SMS/email receipts, an item catalog, inventory management, and in-app reporting are available.
Clover: The Clover POS systems offered through VizyPay make it easy for businesses to implement the Cash Discount Program and provide a variety of other advanced features.
BLogic: BLogic’s POS system requires only a local connection to run and does not require an internet connection. BLogic offers two different PAX S300-based retail kits, one of which is customized for restaurants. BLogic POS also offers advanced inventory management, employee and labor tracking, and end-of-day reports.
Dejavoo & PAX Terminals: VizyPay offers countertop and wireless payment terminals for businesses that don’t need a full POS system.

Virtual Terminal

For an additional monthly fee, VizyPay offers virtual terminal and eCommerce tools through SwipeSimple, Authorize.Net, and USAePay. Depending on the platform, features may include manually entered payments, recurring billing, invoices, payment links, hosted payment pages, receipts, refunds, and transaction reporting.

Working Capital Loans

VizyPay Capital offers business funding to eligible VizyPay merchants. Businesses generally need at least four months of processing history with VizyPay and $10,000 in monthly revenue. Approved funding is repaid through a percentage of daily card sales or ACH withdrawals.

These loans work similarly to a merchant cash advance.

Fees & Rates

Fees & Rates4.7
Pricing 5.0
Affordability 4.4

VizyPay offers several pricing options for merchants that want either traditional interchange-plus pricing or a way to offset some or all payment processing costs.

Item	Value
Pricing Range	$15 - $99/month
Account Setup Fee	$0
Contract Length	Month-to-month
Processing Model	Interchange-plus, cash discount, dual pricing, surcharge
Card-present Transaction Fee	Interchange + 0.35% + $0.10 on Traditional; 1.5% + $0.25 for eligible debit on Surcharge; $0 processing markup on Cash Discount
eCommerce Transaction Fee	Interchange + 0.55% + $0.15
Equipment Cost	$119+

The company publishes its monthly program costs, processing margins, and many incidental fees online. However, your total cost will still depend on your pricing program, hardware, payment method, and optional services. Plans and advertised pricing are as follows:

VizyPay Plans	Price	When To Use
Traditional Program	$15/month	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.)
Surcharge	$25/month	If you want to save on processing costs by passing credit card processing fees to customers.

VizyPay sells mobile readers and countertop POS hardware outright, while some Clover devices can also be financed or purchased through a monthly subscription.

Extra Costs

VizyPay Extra Costs	Price
VizyPay Virtual Terminal	$50 setup + $15/month
Authorize.Net or USAePay Virtual Terminal	Setup and monthly fees apply
Clover Go Mobile Software	$10/month
Clover Financing Plans	Custom pricing
AVS Cost (for keyed-in sales)	+$0.05
Chargeback Fee	$25
Retrieval Fee	$25
Voice Authorization Fee	$2.00
PCI Non-Compliance Fee	$49.95/month
Account Closure Fee	$50/location
ACH Reject Fee	$30/instance

Clover hardware requires an additional monthly software plan. VizyPay also charges separately for certain optional services, including virtual terminals, wireless connectivity, and some POS subscriptions.

Other disclosed fees may include chargeback, retrieval, voice authorization, ACH rejection, account closure, and PCI noncompliance fees.

Sales & Advertising Transparency

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 has an active presence on social media with profiles on Facebook, X, Instagram, LinkedIn, and Pinterest. Its YouTube channel offers help with various merchant tasks (such as applying discounts with a Clover Station or how to do a manual entry on a Dejavoo terminal).

Contract Length & Early Termination Fee

Contract4.6
Commitment 5.0
ETF & Other Fees 4.2

VizyPay offers month-to-month agreements with no long-term contract, annual fee, monthly minimum, or early termination fee.

You can cancel at any time, but VizyPay charges an account closure fee per location. Hardware financing or third-party POS agreements may have separate terms, so review those contracts before signing up.

Customer Service & Technical Support

Customer Service4.8
Personal Support 4.6
Self-Service 5.0

VizyPay offers customer support by phone and email. Merchant feedback is strongly positive overall, particularly regarding fast response times and helpful service representatives.

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 also provides online support resources for its payment programs, POS systems, terminals, gateways, PCI compliance, and account management.

User Reviews

User Reviews4.9
Customer Feedback 5.0
Review Site Aggregate 4.8

VizyPay receives overwhelmingly positive feedback overall. Merchants frequently praise the company’s customer service, transparent pricing, month-to-month agreements, and reliable payment equipment.VizyPay currently has an impressive 4.9 out of 5 Trustpilot score based on 2,300+ reviews.

Negative Reviews & Complaints

Negative feedback is limited, but reported concerns include:

Unexpected fees
Customer service issues
Held funds
Occasional equipment and software glitches

Positive Reviews & Testimonials

Positive reviews commonly highlight:

Responsive customer service
Transparent, competitive pricing
No long-term contracts
Reliable POS equipment
Fast setup and troubleshooting

Final Verdict Of VizyPay

VizyPay offers a selection of Clover devices, proprietary POS software that works with PAX equipment, mobile payment tools, and eCommerce payment solutions alongside its core merchant account services. It also publishes detailed pricing for its primary processing programs and offers several ways for merchants to offset some or all of their credit card processing costs.

VizyPay’s public reputation is another major strength. Merchants report overwhelmingly positive experiences with the company’s pricing, technical support, and customer service.

Low-volume businesses with straightforward processing needs may still save money and find more flexibility with a payment service provider like Square or PayPal. However, VizyPay is a strong option for established retail businesses, restaurants, and service-based businesses that want month-to-month billing, multiple POS choices, and more personalized support.

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Jason Vissers

Expert Contributor at Merchant Maverick

Jason has been writing about small business software platforms, services, and financing since 2015. Jason’s expertise has been featured in Yahoo Finance, Time/NextAdvisor, Home Business Magazine, CreditCards.com, GoBankingRates, TheLadders.com, and other publications. He has a bachelor’s degree in Political Science from San Diego State University.