GDpay Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Small to mid-sized businesses catering to almost all types of customers

Specializes in

Specialize in two main areas. The first is B2B, Level 2 & Level 3 credit card processing where merchants can save over 1/2 percent on their Interchange rates. The second area is with Quickbooks Integration with your merchant account.

Pricing Summary

Setup Fee: $49.95

Monthly Fee: $6.95

Swipe Rate: 1.00% - 4.99%

Keyed-in Rate: 1.00% - 4.99%

Early Termination Fee : none

Contract Terms:

3 Years
Visit GDpay

The company offers its services to many industries, such as retail, hospitality, eCommerce, mobile merchants, Mail Order Telephone Order (MOTO), B2B, etc.

GDpay is an ISO/MSP of Chase Merchant Services, CardConnect, Synovus Bank, and Fifth Third Bank

GDpay Overview


With nearly two decades of experience in the payment processing industry, GDPay has established itself as a customer-focused business partner that serves firms of various sizes and catering to many industries. Established in 2006, the Denver, Colorado-based company looks to empower clients by educating them about merchant payment processing services and how it stands out from the crowd. 

GDPay consistently receives good reviews from different business users who are confident they are getting the best pricing structure. That's primarily because the company offers an Interchange Plus pricing option that is more transparent than the tiered pricing programs offered by many of its competitors.

The company lets businesses set up numerous payment channels, such as gift card offerings, loyalty programs, various check processing solutions, fleet card services, the obvious debit and credit card processing, as well as offering Point of Sale terminals, among others. For all these services, GDPay emphasizes its security and touts its patented point-to-point encryption and tokenization technology while remaining nimble and letting businesses easily sync GDPay’s services into their existing workflows and systems.

Quick Facts

Head Quarters

Denver, CO

Year Founded



Craig Yox and Kevin Yox



Merchant Provider Risk Tolerance

What We Like

The company’s website includes an extensive list of support numbers, an FAQ section, and a glossary for merchants.

Does not promote misleading rate quotes on its website

No Early Termination Fee

PCI Compliance

What We Don't Like

No pricing information disclosed on the website

Based on our research pricing options include a 5-year option, too lengthy by industry standards

Industries Served

  • Accounting & Tax Prep
  • Clothing & Apparel
  • Convenience Store
  • Education
  • Educational Seminars
  • Electronics
  • Gaming
  • Gas Station
  • Guns & Firearms
  • Healthcare
  • Marketing Agency
  • Medical
  • Moving Companies
  • Personal Service
  • Property Management
  • Restaurant / Bar
  • SAAS
  • Self Defense, Tasers & Stun Guns
  • Telemedicine
  • Thrift Store
  • Travel
  • Web Design Services

Business Types Served

  • B2B
  • Ecommerce
  • High Volume
  • Information
  • Low Risk
  • Mobile
  • Mom & Pop
  • MOTO
  • Non Profit
  • Online
  • Retail / Card Present
  • Small Business
  • Tech Support

GDpay Products & Services


As cited earlier, GDPay lets businesses incorporate a host of payment processing options into their workflows, allowing them to grow from multiple avenues.

Some examples of their offerings are;

Smart Terminal – Through GDPay’s smart terminal offerings, businesses can accept EMV enabled cards and payments via NFC technologies.

Online Processing – GDPay offers options to process mobile and online payments. These offerings let customers process payment regardless of location, online, or from a mobile device.

Gift Cards – GDPay has an entire suite of gift card offerings. Clients can choose from Gift Card Now, Advantage, or Custom. The entry-level Gift Card Now option offers businesses 50-100 gift cards, which include their business details. A slightly larger option, offering 250-500 gift cards allowing firms to be more personalized and use their branding. Finally, a more customizable option is available via the Gift Card Custom option for larger businesses with an established network of operations and branding strategy.

Point of Sale – GDPay has various options that let customers accommodate numerous POS options that protect against fraud and hacking via its secure encryption and offers several syncing options with not just hardware but also 3rd-party software and apps.

GDpay Payment Processing

  • ACH Check Transactions
  • Chargeback & Fraud Prevention
  • Check Services
  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • eCheck & ACH Processing
  • EMV Processing
  • Gift & Loyalty Program
  • Gift Card Management
  • Merchant Cash Advance
  • Mobile Card Reader
  • Mobile Commerce
  • Online Payments
  • Payment Gateway
  • Payment Processing Services Integration
  • POS Equipment
  • Receipt Printing
  • Recurring Billing
  • Retail Payment Processing
  • Virtual Terminal

GDpay Billing & Invoicing

  • Billing Portal
  • Customizable Invoices
  • Mobile Payments
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

GDpay Advertising & Sales

GDPay successfully avoids any unethical sales pitches, teaser rates that balloon after a trial period, offers transparency in its fees and invoicing, and clearly explains not only its own pricing practices but offers extensive tutorials on gimmicks and loopholes currently prevalent in the industry. 

The Better Business Bureau has zero complaints registered about any of the GDPay's advertising practices.

Through various online forums and marketplaces, GDPay clients rave about [the company's] honest and clear explanations of interchange-plus pricing, as well as a transparent breakout of all related fees.

GDPay also sells equipment for payment processing, but it clearly advises clients against 'free equipment' and leasing of equipment on its website. The company recommends paying for equipment within a range of $150 to $550 depending on its functionality.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


GDpay Pricing, Rates & Fees


GDPay offers numerous contract options through affiliates. 

5-Year Contract

  • First Data – $49.95 fee to set up and a gateway fee of $24.95 per month. There is an automatic clause for equipment leasing unless businesses opt-out of equipment from GDPay. 

  • TSYS – No termination fee unless you're a business in the state of Arkansas, but it carries a cancelation fee.

3-year contract 

  • First Data – $49.95 fee for PCI compliance and a statement fee of $9.95 per month.

  • First American Payment System – $49.95 fee for an annual membership and an account fee of $6.95 per month.

Pricing at a Glance

Pricing Model

Interchange Plus

Swiped Rate

1.00% - 4.99%

Keyed-in Rate

1.00% - 4.99%

Mobile Payment Rate

Virtual Terminal Rate

1.00% - 4.99%

Monthly Fee


Payment Gateway Fee


Batch Fee

Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms

60 Month (locked)

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

$24.95 Per Month

Annual Fee


Monthly Minimum


Statement Fee

$9.95 Per Month

GDpay Contract & Terms

The company offers several options for pricing and contract terms. None of these options mention early termination fees, and one included a cancelation fee. There are built-in agreements for one of their contract options to lease equipment, which GDPay itself discourages. Furthermore, the duration of its contracts with their multi-year agreement options is a bit lengthy. As such, the contract fine print should be thoroughly reviewed, and the same caution is recommended in regard to any fees that are not mentioned, such as batch fees, gateway fees, and support fees.

There are online marketplaces that customers should search which have explicitly negotiated no cancelation fees as part of their affiliation.

Contract Length

3 Years

Early Termination Fee


GDpay Setup & Support


Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)
  • Offshore Tech Support (After Hours)

GDpay Complaints, Ratings & Reviews

GDPay has one of the best reputations in the payment processing industry. Of the various online review platforms, Better Business Bureau, Yelp, and Ripoff Report, none of them had any bad reviews or complaints lodged against the company. 

GDPay's own website has a dedicated page of client testimonials, mainly citing its client-focused culture and transparency in its pricing and fee structure. 

Third-party marketplaces and partners which have numerous other payment processors on their websites laud GDPay for its competitive and transparent pricing and point to the company’s almost perfect verified merchant reviews on their sites.





5 Stars / 51 Reviews


5 Stars / Based on the opinion of 5 people




Total Online Reviews


Total Online Complaints





If you're in the market for a merchant account provider, be sure to check out our user reviews, our merchant accounts guide and our top popular merchant provider picks