Small and large businesses that process card-present, card-not-present, and eCommerce transactions
Setup Fee: None
Monthly Fee: $15
Swipe Rate: 2.39% + 20¢
Keyed-in Rate: 3.29% + 30¢
Early Termination Fee : Up to $495
For payment services, PayHub Payment Processing can help you take credit and debit cards in both card-present and card-not-present situations. You can use popular credit card machines, mobile devices, or the internet to take payments. You’ll also have the option to accept checks.
PayHub Payments is a full service merchant account provider that caters to a large array of industries from small and medium businesses, to large multi-location merchants.
PayHub Payments is a registered ISO under First Data. They also have a partnership with CardFellow, a marketplace that gives certified quotes for prospective merchants interested in PayHub Payments.
They claim to serve every type of business, large and small. It does not explicitly state that they provide solutions for high-risk merchants, so it appears they specialize in low-to-mid-risk businesses. However, they may be able to accommodate certain high-risk accounts.
PayHub Payments emphasizes high quality customer service to all merchants (regardless of size), next day deposits, and fair & transparent pricing.
In addition, PayHub Payments also has a partnership program.
200 Fisher Drive Avon, CT 06001
Merchant Provider Risk Tolerance
Accept credit card payments anytime and anywhere
Same rate for all major credit cards
No hidden fees
Volume pricing options
Next day funding available
Real-time access to deposits
No set-up fees
Chargeback text alerts
24/7 customer service
Early termination fee (ETF)
PayHub Payments offers credit card processing solutions for card-present business environments as well as eCommerce, MOTO, and electronic ACH & check processing. In addition to those payment services, PayHub Payments also offer their merchants a gift card program, a cash discount program, cash advances and payroll services.
PayHub Payments stocks a variety of equipment depending on your business needs from popular brands such as Clover, Pax, and others. They stock EMV equipment, NFC equipment, mobile/wireless terminals, & POS systems. Equipment can be purchased outright or through a rent-to-own program. Additionally, PayHub Payments has eCommerce solutions in the form of virtual terminals and shopping cart integrations for your website.
Discloses All Important Terms
Public Pricing Available
PayHub Payments advertises their pricing structure on their website: swiped rate is 2.39% + 20¢ and keyed-in rate is 3.29% + 30¢. There is also a $15 monthly fee, a PCI compliance fee, and an early termination fee with this processor. If you have an eCommerce business there may be additional fees associated with the payment gateway.
Overall, the advertised rates for PayHub Payments appear to be industry-average. There are no complaints about pricing so it can be assumed merchants are happy with the rates and fees offered by this processor.
Since pricing is dependent on so many different factors, we encourage merchants to shop around for the best pricing for their particular business. Additionally, merchants should read applications and program guides carefully, and in full, to ensure they are not blindsided by fees.
2.39% + 20¢
3.29% + 30¢
Mobile Payment Rate
Virtual Terminal Rate
Payment Gateway Fee
$9.95+ Per Month
Early Termination Fee
Up to $495
PCI Compliance Fee
Equipment Lease Terms
48 Months (locked)
Address Verification Service (AVS)
Account Setup Fee
Gateway Setup Fee
PayHub Payments does not publicly disclose their merchant application or contract terms & conditions, though it is noted that the standard contract length is roughly 3 years.
In general, it can be said that contract terms can vary depending on the nature of your business.
PayHub Payments does have an early termination fee (ETF) that may apply to your merchant account, so be sure to read the fine print on your contracts.
Early Termination Fee
Up to $495
PayHub Payments has several positive reviews. Several reviewers claim to experience top notch customer service with this processor. We found very few consumer complaints, and they seem to be either isolated incidents or issues that have been resolved by the processor.
There is no BBB page, nor a Yelp page.
The PayHub Payments Facebook page has 3 reviews, 2 of which are positive.
No outstanding class-action lawsuits or FTC complaints filed against PayHub Payments could be found.
5 / 5
3.7 / 5
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