PayLeap Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

All types of companies are looking to streamline their operations and lower their monthly costs.

Specializes in

Offering a one-stop-shop for merchants. Their goal is to simplify the whole process from start to finish by offering cutting-edge technology fused with top-rated customer service.

Pricing Summary

Setup Fee: $0

Monthly Fee: $19.99

Swipe Rate: 2.39% + $0.29 (Debit) ; 2.89% + $0.29 (Credit)

Keyed-in Rate: 2.39% + $0.29 (Debit) ; 2.89% + $0.29 (Credit)

Early Termination Fee : None

Contract Terms:

Visit PayLeap

PayLeap was founded in 2008.

They are headquartered in Warsaw, IN.

Scott Miller is listed as the president/CEO.

PayLeap Overview


When Mr. Miller founded the company back in 2008 he set out to create something that would make his clients’ lives easier.

The company he created aims for versatility as they offer everything from the card to the merchant account. The credo of the organization is to simplify. The less a merchant has to worry about their processor, the more they can devote their energy to building a better business.

A subsidiary of First Data, PayLeap can handle businesses of any size.

With a low complaint total, PayLeap has demonstrated the value of putting customers and their well-being first. They aim for transparency and to date have managed to hold onto that goal.

Quick Facts

Head Quarters

Warsaw, Indiana

Year Founded



Chris Walmer - Director of Operations



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Beauty & Wellness
  • Clothing & Apparel
  • Convenience Store
  • Contractors
  • Electronics
  • Food & Beverage
  • Gas Station
  • Healthcare
  • Hunting & Outdoor Equipment
  • Moving Companies
  • Personal Service
  • Professional Services
  • Online Sellers
  • Retailers
  • SAAS
  • Software & Apps
  • Thrift Store
  • Web Design Services

Business Types Served

  • B2B
  • Ecommerce
  • Enterprise Merchant Accounts
  • Mobile
  • Mom & Pop
  • MOTO
  • Online
  • Retail / Card Present
  • Small Business

PayLeap Products & Services


Hardware and Software

PayLeap offers a wide range of payment options to cover brick and mortar businesses, mobile businesses, and eCommerce merchants. Their goal appears to replace leased terminals with free virtual terminals run from merchant laptops, computers, tablets, and phones.

While this is not necessary to increase business, they push it as a lower-cost option.

According to their website, they also integrate their payment gateways with any existing POS system.

They do not specify any physical terminals, which indicates they either integrate with existing systems or utilize their free virtual terminals.

Value-Added Services

PayLeap offers a wide helping of value-added services. Most are geared toward building business, but a few are just there to help vendors.

Recurring Billing - this establishes a payment cycle with a merchant’s clients and keeps the collections professional.

Gift Cards - build brand awareness and draw in new customers.

Secure Vault Storage - offers customers peace of mind by taking data security to the next level.

Live Training and Support - a few processing companies offer 24/7 live tech support. PayLeap took it to the next level with live training as well to increase customer potential.

Custom Branding - along with gift cards, custom branding helps a business create immediately recognizable brand awareness.

Growth Advantage Tools - back-office analytics are important for businesses to understand how their processing is being completed and learn how to streamline and increase their revenue stream.

O-Desk - a partner or PayLeap, this service helps merchants establish themselves in the eCommerce market through web development.

Supported Payment Types and Services

According to their website, PayLeap accepts all major credit card types plus several more options.

American Express
Gift Cards

PayLeap Payment Processing

  • ACH Check Transactions
  • Cash Transactions
  • Chargeback & Fraud Prevention
  • Check Services
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • EBT Acceptance
  • eCheck & ACH Processing
  • EMV Processing
  • Gift & Loyalty Program
  • Mobile Card Reader
  • Mobile Commerce
  • Mobile Payments App
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • POS Equipment
  • Receipt Printing
  • Recurring Billing
  • Shopping Cart Integration
  • Virtual Terminal

PayLeap Billing & Invoicing

  • Contingency Billing
  • Dunning Management
  • Mobile Payments
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

PayLeap Advertising & Sales

According to outside sources, PayLeap utilizes independent contractors. These sales agents stick to the script and maintain company transparency when it comes to pricing.

There are no complaints to be found about dishonest sales tactics.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


PayLeap Pricing, Rates & Fees


PayLeap appears to be one of the few companies to post their pricing on their website. They do, however, make it known that the interchange-plus pricing presented is a starting place. It appears that the rates could alter some depending on the business type, size, and risk.

Pricing for PaySecure is 1.89% plus $0.29 per transaction.

Regular credit transactions are listed at 2.89% plus $0.29 per transaction.

Debit transactions come in at 2.39% plus $0.29 per transaction.

According to the webpage, there is no setup fee for any of these rates, just a $19.99 monthly charge.

These rates seem on par with most large merchant account processors. As with any price in the credit card industry, there is always room for negotiations.

There are no other listed fees, however, there may likely be some in the contract.

Pricing at a Glance

Pricing Model

Flat Rate

Swiped Rate

2.39% + $0.29 (Debit) ; 2.89% + $0.29 (Credit)

Keyed-in Rate

2.39% + $0.29 (Debit) ; 2.89% + $0.29 (Credit)

Mobile Payment Rate

1.89% + $0.29

Virtual Terminal Rate

1.89% + $0.29

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

$14.99 Per Month (ACH Processing Fee)

Statement Fee

$10 Per Month

PayLeap Contract & Terms

Reading into the information on the website, there is nothing more than a month-to-month contract. Because of this, there is no early termination fee.

There are no other references to contracts to be found either on the company website or in outside reviews.

Contract Length


Early Termination Fee


PayLeap Setup & Support


Since all of the setup involves integrating systems and underwriting from a large firm, a merchant can likely have their account up and running within a day or less.

Support looks to be email, phone, and live chat. There are also references to live training to help merchants utilize the full potential of their new systems.

Setup Highlights

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

Support Highlights

  • Domestic Phone Support (Business Hours)

PayLeap Complaints, Ratings & Reviews

BBB Rating


PayLeap does have a Better Business Bureau profile, but their company is not accredited. There are no reviews or complaints available on the BBB website.

Other Online Reviews

In the fifteen-year history of the company, there is only one complaint to be found on any outside review sites.



A+ and is not BBB Accredited. (0 Reviews; 0 Complaints)


No Reviews






Total Online Reviews


Total Online Complaints




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