Passthrough Payments Review

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Truth in Advertising
Consumer Reviews
Customer Support

Best for

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.

Specializes in

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.

Pricing Summary

Setup Fee: Undisclosed

Monthly Fee: Undisclosed

Swipe Rate: 1.00% - 4.99%+

Keyed-in Rate: 1.00% - 4.99%+

Early Termination Fee : Variable

Contract Terms:

Visit Passthrough Payments

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 Overview


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.

Quick Facts

Head Quarters

Valencia, California

Year Founded



Jana Haro - Marketing Manager



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Adult
  • Airlines
  • Automotive
  • Bail Bonds
  • Beauty & Wellness
  • CBD & Hemp
  • Cigars & Tobacco
  • Clothing & Apparel
  • Convenience Store
  • Contractors
  • Credit Repair
  • Dating
  • Debt Consolidation
  • E-Cigarettes / Vape
  • Educational Seminars
  • Electronics
  • Food & Beverage
  • Gaming
  • Gas Station
  • Guns & Firearms
  • Healthcare
  • Hosting
  • Hunting & Outdoor Equipment
  • Jet Charter
  • Marijuana / Cannabis
  • Marketing Agency
  • Medical
  • Moving Companies
  • Personal Service
  • Professional Services
  • Property Management
  • Online Sellers
  • Restaurant / Bar
  • Retailers
  • SAAS
  • Software & Apps
  • Self Defense, Tasers & Stun Guns
  • SEO & SEM Services
  • Smoking Accessories
  • Sports Betting Advice
  • Telemedicine
  • Thrift Store
  • Travel
  • Web Design Services

Business Types Served

  • B2B
  • International
  • Ecommerce
  • Enterprise Merchant Accounts
  • High Risk
  • High Volume
  • MLM
  • Mobile
  • Mom & Pop
  • MOTO
  • Online
  • Retail / Card Present
  • Small Business
  • Subscription / Continuity
  • Tech Support

Passthrough Payments Products & Services


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.

Value-Added Services

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:

American Express

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.

Passthrough Payments Payment Processing

  • ACH Check Transactions
  • Cash Transactions
  • Chargeback & Fraud Prevention
  • Check Guarantee
  • Check Services
  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • eCheck & ACH Processing
  • EMV Processing
  • Gift & Loyalty Program
  • High-Risk Industries
  • Mobile Card Reader
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • POS Equipment
  • Receipt Printing
  • Recurring Billing
  • Shopping Cart Integration
  • Virtual Terminal

Passthrough Payments Billing & Invoicing

  • Contact Database
  • Customizable Invoices
  • Dunning Management
  • Mobile Payments
  • Multi-Currency
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

Passthrough Payments Advertising & Sales

Passthrough Payments uses both in-house and independent sales teams to sell its product. Using sales agents to sell merchant account services is a common tactic within the industry. However, it can lead to complaints about overly aggressive sales tactics, or interactions with salespeople who misrepresented the product.

In the case of Passthrough Payments, there are no complaints about the independent salespeople that have worked with them so fortunately, that appears to not be an issue in this case.

The website has no deceptive or spammy content on it, and the company seems to represent itself accurately on its website or other places online.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Passthrough Payments Pricing, Rates & Fees


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.

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


Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee

Monthly Minimum


Statement Fee


Passthrough Payments Contract & Terms

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.

Contract Length


Early Termination Fee


Passthrough Payments Setup & Support


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.

Setup Highlights

  • Documentation / Knowledge Base
  • Recorded Video Training

Support Highlights

  • Domestic Phone Support (Business Hours)

Passthrough Payments Complaints, Ratings & Reviews

BBB Rating

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




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