PayHub Payments Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Low-to-mid-risk businesses

Specializes in

Small and large businesses that process card-present, card-not-present, and eCommerce transactions

Pricing Summary

Setup Fee: None

Monthly Fee: $15

Swipe Rate: 2.39% + 20¢

Keyed-in Rate:  3.29% + 30¢

Early Termination Fee : Up to $495

Contract Terms:

3 Years
Visit PayHub Payments

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 Overview


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.

Quick Facts

Head Quarters

200 Fisher Drive Avon, CT 06001

Year Founded



Austin Nathan



Merchant Provider Risk Tolerance

What We Like

Accept credit card payments anytime and anywhere

Same rate for all major credit cards

No hidden fees

Online Invoicing

Volume pricing options

Next day funding available

Real-time access to deposits

No set-up fees

Chargeback text alerts

PCI Compliance

24/7 customer service

What We Don't Like

Early termination fee (ETF)

Industries Served

  • Accounting & Tax Prep
  • Airlines
  • Bail Bonds
  • Clothing & Apparel
  • Convenience Store
  • Credit Repair
  • Dating
  • Debt Consolidation
  • E-Cigarettes / Vape
  • Education
  • Educational Seminars
  • Electronics
  • Gaming
  • Gas Station
  • Guns & Firearms
  • Healthcare
  • Hosting
  • Hunting & Outdoor Equipment
  • Jet Charter
  • Legal
  • Marketing Agency
  • Medical
  • Moving Companies
  • Nutraceuticals & Supplement
  • Personal Service
  • Pharmaceutical
  • Property Management
  • Restaurant / Bar
  • SAAS
  • Self Defense, Tasers & Stun Guns
  • SEO & SEM Services
  • Smoking Accessories
  • Sports Betting Advice
  • Telemedicine
  • Thrift Store
  • Travel
  • Web Design Services

Business Types Served

  • B2B
  • Digital Downloads
  • Discount Buying Club
  • Document Preparation
  • Drop Shipping
  • Ecommerce
  • Enterprise Merchant Accounts
  • High Risk
  • High Volume
  • Information
  • Low Risk
  • MLM
  • Mobile
  • Mom & Pop
  • MOTO
  • Non Profit
  • Online
  • Retail / Card Present
  • Small Business
  • Subscription / Continuity
  • Tech Support
  • Wholesale

PayHub Payments Products & Services


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. 

PayHub Payments Payment Processing

  • ACH Check Transactions
  • Cash Transactions
  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • Customized Application Guidance
  • Debit Card Processing
  • EBT Acceptance
  • eCheck & ACH Processing
  • EMV Processing
  • Gift & Loyalty Program
  • Gift Card Management
  • High-Risk Industries
  • Merchant Cash Advance
  • Mobile Card Reader
  • Mobile Commerce
  • Mobile Payments App
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • Payment Processing Services Integration
  • POS Equipment
  • Receipt Printing
  • Retail Payment Processing
  • Shopping Cart Integration
  • Shopping Cart Provided
  • Signature Capture
  • Virtual Terminal

PayHub Payments Billing & Invoicing

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

PayHub Payments Advertising & Sales

PayHub Payments is generally considered to be truthful & ethical in their marketing, advertising & sales practices. They do employ independent sales agents, which can be a red-flag that you are dealing with an individual more concerned with closing deals and obtaining commissions than representing the company ethically.  However, no public complaints exist regarding this issue.

PayHub Payments advertises their pricing on their website and claims to have “transparent, simple pricing.” They claim to have no hidden fees: outside of a monthly fee, no additional fees are mentioned on their website.  Due to the lack of customer complaints, it can be assumed that their customers are satisfied with the rates and fees they offer.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


PayHub Payments Pricing, Rates & Fees


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.

Pricing at a Glance

Pricing Model

Interchange Plus

Swiped Rate

2.39% + 20¢

Keyed-in Rate

3.29% + 30¢

Mobile Payment Rate

Virtual Terminal Rate

Monthly Fee


Payment Gateway Fee

$9.95+ Per Month

Batch Fee

Early Termination Fee

Up to $495

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

PayHub Payments Contract & Terms

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.

Contract Length

3 Years

Early Termination Fee

Up to $495

PayHub Payments Setup & Support


Setup Highlights

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

Support Highlights

  • Dedicated Account Manager
  • Domestic Phone Support (Business Hours)

PayHub Payments Complaints, Ratings & Reviews

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

< 75

Total Online Complaints

< 5




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