JetPay Merchant Services Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Restaurants, banks, and credit unions that are okay with a long-term contract

Specializes in

eCommerce, card-not-present merchant services, mobile payments, eCheck processing

Pricing Summary

Setup Fee: $0

Monthly Fee: Undisclosed

Swipe Rate: 1.00% - 4.99%

Keyed-in Rate: 1.00% - 4.99%

Early Termination Fee : $550+

Contract Terms:

3 Years
Visit JetPay Merchant Services

JetPay Merchant Services was acquired by NCR in 2018. The company has since dropped the JetPay name and rebranded itself under the NCR logo. But it still offers the same eCommerce and card-not-present solutions to merchants. JetPay also offers POS systems through NCR and mobile payment processing.

JetPay Merchant Services Overview


JetPay Merchant Services is a registered ISO/MSP of Esquire Bank, and the company’s headquarters are located in Carrollton, Texas. Before the company was acquired by NCR, it was servicing more than 10,000 merchants across the country with its eCommerce and card-not-present payment solutions.

The NCR acquisition has expanded JetPay’s offerings. Now, the company offers POS solutions, mobile payment processing, ACH and eCheck processing, and more. The company’s services are an especially good match for merchants who operate in the banking and restaurant industries due to the depth and variety of solutions it offers.

NCR Payments doesn’t disclose its prices online. The company says that this is because the amount they charge varies based on the needs of each unique merchant it serves. But it makes it difficult for interested merchants to determine whether the company is a good fit for their price goals.

Quick Facts

Head Quarters

Carrollton, Texas

Year Founded



Michael Hayford



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Accounting & Tax Prep
  • Clothing & Apparel
  • Convenience Store
  • Credit Repair
  • Debt Consolidation
  • Electronics
  • Gas Station
  • Healthcare
  • Legal
  • Marketing Agency
  • Moving Companies
  • Personal Service
  • Property Management
  • Restaurant / Bar
  • SAAS
  • SEO & SEM Services
  • Thrift Store
  • Web Design Services

Business Types Served

  • B2B
  • Ecommerce
  • High Risk
  • High Volume
  • MLM
  • Mobile
  • Online
  • Retail / Card Present
  • Small Business
  • Subscription / Continuity
  • Tech Support

JetPay Merchant Services Products & Services


Payment Gateway

NCR Payments offers a proprietary payment gateway solution for online sales. But it’s a bit vague about what exactly the gateway does. We do know that it provides support for recurring billing, tokenization, and transaction recycling. But you would need to contact JetPay directly to learn more.

Point of Sale (POS) Systems

Thanks to the NCR Payments acquisition, JetPay Merchant Services now can also set you up with a POS system. The company has a number of terminals to choose from, each with its own set of benefits. They also utilize software called NCR Silver, which you can run on an iPad. 

Additionally, JetPay has a bundle called NCR Aloha that was specifically designed to address the payment processing needs of restaurants.

Merchant Accounts

If you create a merchant account with JetPay, it’ll offer you a traditional full-service setup. Your company will be given a merchant identification number and will function as your direct processor. The benefit of this is that NCR will handle all of your customer service issues so there won’t be a need to deal with a third-party back-end provider when things go haywire with a payment.

JetPay Merchant Services Payment Processing

  • ACH Check Transactions
  • Check Services
  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • eCheck & ACH Processing
  • EMV Processing
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • POS Equipment
  • Recurring Billing
  • Retail Payment Processing
  • Virtual Terminal

JetPay Merchant Services Billing & Invoicing

  • Mobile Payments
  • Online Invoicing
  • Online Payments
  • Recurring/Subscription Billing

JetPay Merchant Services Advertising & Sales

We can call JetPay transparent because it doesn’t really advertise its offerings all that much. If you visit the overall NCR website, you’ll see that only a tiny portion of it is dedicated to the company previously known as JetPay Merchant Services. They don’t advertise any rates or contract terms so there’s nothing for them to be deceptive about.

The good news is that JetPay doesn’t appear to utilize independent sales agents. And the company has received no complaints about its sales practices. So although we don’t know much about them, we can assume that they’re not terribly unfriendly to merchants.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


JetPay Merchant Services Pricing, Rates & Fees


JetPay Merchant Services doesn’t advertise any of its prices or fees. The company says that this is because there are no standard prices or fees. Instead, they vary based on the unique profile of every merchant that they work with. This can be a positive in that it will give you some room to negotiate your terms.

Generally, you should expect to get a tiered pricing plan from NCR. But you may be able to negotiate an interchange-plus pricing option if that’s what you prefer.

Pricing at a Glance

Pricing Model

Tiered Pricing

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

48 Months (locked)

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee

Monthly Minimum


Statement Fee

JetPay Merchant Services Contract & Terms

One thing we do know about NCR is that its favored contract is generally not one that a merchant will prefer themselves. They utilize contracts with three-year terms and an automatic renewal clause.

Additionally, the company utilizes a hefty early termination fee. Attempting to break your contract with JetPay early could cost you upwards of $550. So merchants need to be positive that NCR Payments is the right solution for them before they make a commitment to the company.

Contract Length

3 Years

Early Termination Fee


JetPay Merchant Services Setup & Support


Setup Highlights

  • Documentation / Knowledge Base
  • Live Online (1-on-1)

Support Highlights

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

JetPay Merchant Services Complaints, Ratings & Reviews

Both NCR Corporation and JetPay have B- ratings with the Better Business Bureau. Some of the most common issues that merchants have complained about include:

  • Hardware malfunctions

  • Difficulties with closing out accounts (NCR requires at least two months of notice to close an account without getting a penalty)

  • Unresponsive customer service

The company lists some positive reviews and testimonials on its website. These come from reputable brands like Shell and Chipotle and reference the targeted merchant solutions that NCR was able to provide.



C- (0 Review; 9 Complaints)


3.8 Stars / 9 Reviews






Total Online Reviews


Total Online Complaints




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