Best for
Merchants who need MOTO payment processing services, or whose businesses are online or in other card-not-present environments.
Specializes in
DirectPay specializes in working with merchants in the United States and Canada to provide them with payment processing services in card-not-present situations, such as over the phone or online.
Pricing Summary
Setup Fee: Unknown
Monthly Fee: Unknown
Swipe Rate: Unknown
Keyed-in Rate: Unknown
Early Termination Fee : Unknown
Contract Terms:
DirectPay was founded in 1997 and has gone by the names, Credit Card Services of America and Practice Pay Solutions.
The company is headquartered in New York and it primarily serves merchants who accept payments online or over the phone.
DirectPay does offer some options for in-person and mobile payments, but they are limited.
DirectPay is a payment processing company that has been known as Credit Card Services of America and Practice Pay Solutions in the past. The company works with merchants located in both the United States and Canada.
Headquartered in New York, DirectPay offers several services, including over-the-phone payment processing and virtual gateways for merchants whose businesses are online.
DirectPay does have some payment processing options for in-person, card-present transactions as well, but this area is not the company’s primary focus.
DirectPay works with high-risk merchants and those who have low credit scores. Some of their merchant customers have included 7+ figure-earning coaches, speakers and a number of other service professionals.
Head Quarters
350 Passaic Ave, Fairfield, NJ 07004, USA
Year Founded
Unknown
CEO
Unknown
Employees
Unknown
Merchant Provider Risk Tolerance
Work with high risk and low-credit merchants.
Can process payments in multiple currencies.
Offer value-added services catering to building a business.
Clearly states their rates and fees.
Offers two basic tiers for merchants.
Limited in-person payment options.
Require a three-year commitment with early termination fees.
No outside reviews, positive or negative, after 20 years in business.
Most merchants will fall into the Peak Processing Plan, meaning there is little choice.
No mention of high level security, concerning as their target market is card not present transactions.
Hardware & Software
DirectPay’s hardware options are quite limited because the company’s main focus is on virtual gateways. However, the company does have some products to offer merchant customers that might need or prefer this type of technology.
The company offers the Nurit 3010 wireless terminal as an EMV capable option. There are no options for POS systems.
Merchants can take credit and debit card payments through virtual terminals, which are web-based and can be used for any order, including MOTO and in-person transactions. Electronic checks can be processed through DirectPay’s integration with Authorize.net.
The company also offers a card reader that works on any mobile device for mobile payments, shopping cart bundles for websites uses Planet Payment to process payments in multiple currencies.
Value Added Services
DirectPay offers several value added services for its merchant customers. Those services include:
Business website building assistance.
Business development resources.
An affiliate program.
Supported Payment Types & Services
DirectPay supports several different types of payment options:
All 4 major credit card companies, although American Express may require special authorization.
Electronic checks.
Debit cards.
International payments in multiple currencies.
DirectPay also provides support for recurring payments.
Discloses All Important Terms
No
Public Pricing Available
No
DirectPay offers a lot of information upfront about their prices and fees. The company has two plans - the Base Processing Plan and the Peak Processing Plan.
Base Processing Plan
For merchants processing $1,000 or less
Discount rate - 3.13%
Per-transaction fee - $0.32
Monthly fee - $28
Annual fee - $25
Monthly Minimum - $0
Peak Processing Plan (two-tier program, so rates may vary)
For merchants processing $1,000 or more
Discount rate - 2.28%
Per-transaction fee - $0.27
Monthly fee - $24
Annual fee - $75
Monthly minimum - $25
Mobile payment processing also requires an additional $50 setup fee.
There are additional fees listed for shopping carts and international payments.
Pricing Model
Unknown
Swiped Rate
Unknown
Keyed-in Rate
Unknown
Mobile Payment Rate
Unknown
Virtual Terminal Rate
Unknown
Monthly Fee
Unknown
Payment Gateway Fee
variable
Batch Fee
Unknown
Early Termination Fee
Unknown
PCI Compliance Fee
Unknown
Equipment Lease Terms
variable
Address Verification Service (AVS)
Unknown
Application Fee
Unknown
Account Setup Fee
Unknown
Gateway Setup Fee
Unknown
Annual Fee
variable
Monthly Minimum
Unknown
Statement Fee
Unknown
DirectPay does not publish contract terms on its website. There is a 3-year agreement, and terminating the agreement early will result in early cancelation fees. These fees are determined by the type of business a merchant owns and what types of monthly fees they pay for services.
Contract Length
Unknown
Early Termination Fee
Unknown
The DirectPay website does not indicate how long it might take to get set up with payment processing services. Because most of what they do is through virtual gateways, the underwriting process may be very short. They do offer ways for merchants to apply for accounts on their website.
DirectPay provides several options for merchant customer service and support. They have a phone number and a dedicated email address listed on their website. They also have a Live Chat option that merchants can utilize as well.
BBB Rating
DirectPay does not have a listing on the Better Business Bureau website, so there is no rating listed for them. The company does not have any reviews or complaints on the BBB website either.
Other Online Reviews
Although DirectPay has been in business for close to 20 years, there are virtually no reviews about its products or services online. The company website does have several positive reviews featured on many pages, and these reviews are all from their merchant customers who seem to be very satisfied with their services.
BBB
N/A
N/A
N/A
Yelp
N/A
Total Online Reviews
Unknown
Total Online Complaints
Unknown
Lawsuits
Unknown
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