If you’ve been turned down by other merchant account providers, Passthrough Payments just might be the right merchant account provider for you. This merchant account provider is best for high risk businesses or other businesses that are hard to place.
Passthrough Payments specializes in providing merchant account services to high risk businesses. They also offer zero-fee processing to businesses that qualify for the program.
Setup Fee: Undisclosed
Monthly Fee: Undisclosed
Swipe Rate: 1.00% - 4.99%+
Keyed-in Rate: 1.00% - 4.99%+
Early Termination Fee : Variable
Passthrough Payments began in 2006 with a mission to provide merchant account services to businesses that are hard to place.
The company is based in Valencia, California. At least one employee is a former employee of Vericomm, a failed merchant account provider. Vericomm and Passthrough Payments are both headquartered in the same place. This may indicate some connection between the two merchant account providers.
Passthrough Payments has been in business since 2006 and is headquartered in Valencia, California.
The company offers its services as a merchant account provider to businesses that may be traditionally hard to place. This includes high risk businesses, online merchants, or businesses with a history of bad credit.
Passthrough Payments does not publish details on its pricing or contracts on its website, but it also has a very low amount of public complaints.
Some businesses may qualify for zero-fee processing which is one service offered by Passthrough Payments.
The company has some employees in common with the failed merchant account provider Vericomm. However, unlike Vericomm, Passthrough Payments has very few public complaints and seems to be a dependable merchant account provider.
Jana Haro - Marketing Manager
Merchant Provider Risk Tolerance
Hardware and Software
Passthrough Payments offers credit card, debit card, and check processing as well as virtual terminals and payment gateways.
The company also appears to offer CloverStation to customers if physical POS equipment is needed. They do not specify whether they sell the product or lease it, and what the contract and terms are for the lease agreement.
Some of the additional services Passthrough Payments offers include:
Zero-fee processing (a method of processing credit card transactions that pass the cost onto the customer, meaning essentially free card processing for the business).
Check 22 (digital check processing).
Supported Payment Types and Services
Passthrough Payments processes all major credit and debit cards including:
In addition to credit card processing, Passthrough Payments processes checks, eChecks, online payments, and payments using mobile apps such as Google Wallet or Apple Pay.
Discloses All Important Terms
Public Pricing Available
The swiped or keyed-in rate for card processing is 1.00%-4.99%.
There are few other details about prices on Passthrough Payments websites. Rates, fees, and contract terms likely differ depending on the type of business.
One option Passthrough Payments offers is zero-fee card processing. Businesses who qualify for this program may apply to get their credit card processing done for free.
Zero-fee processing works by the merchant account provider charging the businesses’ customers a 4% markup for using credit or debit. The customer pays for the card processing meaning the business doesn’t have to. Customers do not have to pay the 4% markup when using cash.
There are pros and cons to the zero-fee model. The business can save a lot of money, but it also may discourage its customers from using credit cards, which could decrease sales volume.
1.00% - 4.99%+
1.00% - 4.99%+
Mobile Payment Rate
Virtual Terminal Rate
1.00% - 4.99%+
Payment Gateway Fee
Early Termination Fee
PCI Compliance Fee
Equipment Lease Terms
Address Verification Service (AVS)
Account Setup Fee
Gateway Setup Fee
Passthrough Payments does not provide details on their contract terms on their website.
High risk businesses typically have higher rates and stricter contract terms. Because Passthrough Payments specializes in serving high risk businesses, their contract terms may include higher rates than low or standard-risk businesses may have to.
Early Termination Fee
Passthrough Payments offers live chat, a customer service email, and a phone number on its website. They also have a contact form businesses can use to start the process of application.
Passthrough Payments does not have a Better Business Bureau account. There are no positive or negative reviews or complaints to be found on the Better Business Bureau website.
Other Online Reviews
We were unable to find any online complaints of Passthrough Payments online.
D+ and is not BBB Accredited. (0 Review; 1 Complaint)
2.3 Stars / 3 Reviews
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