Payment Alliance International (PAI) Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Small and medium-sized firms (20-50 employees) including retailers and independent ISOs/operators

Specializes in

ATM portfolio management, transaction processing, bank sponsorship, maintenance, and cash-in-transit servicing

Pricing Summary

Setup Fee: $0

Monthly Fee: $30 (regularly $60). Includes gateway fee, statement fee, PCI fee/PAI Secure

Swipe Rate: Variable

Keyed-in Rate: Variable

Early Termination Fee : Liquidated Damages

Contract Terms:

3 Years
Visit Payment Alliance International (PAI)

Payment Alliance International (PAI) is the US's most prominent ATM provider, offering ATM portfolio management tools and services. It provides transaction processing, bank sponsorship, maintenance, and cash-in-transit servicing. The company's market-leading portfolio management toolset, PAI Reports, accounts for more than 90,000 ATMs.

Payment Alliance International is an ISO of MetaBank, NA since 2005. The firm's merchant services division was acquired by Clearent in 2017. PAI is located in Kentucky with John J. Leehy III operating as its current president and CEO.

PAI's core strengths include countrywide ATM coverage and high-end reporting.


Payment Alliance International (PAI) Overview


PAI delivers services and tools for ATM portfolio owners, retailers, financial institutions, and independent operators as stated on its website. The company combines its proprietary portfolio management tools with its Vantage maintenance service for catering merchants.

PAI has a 3-year contract with automatic renewal and charges a liquidated damages Early Termination Fee of $650, a chargeback fee of $20, and a PAI Secure fee of $5.95.

The firm is not a BBB-accredited business but it maintains an "A+" rating with the Better Business Bureau since 2005. PAI therefore has a 15-year operational record with no reviews apart from 2 complaints on its profile. 

Quick Facts

Head Quarters

Louisville, KY

Year Founded



John J. Leehy III



Merchant Provider Risk Tolerance

What We Like

No setup fee.

Country wide ATM coverage is available.

Specializes in ATM portfolio management.

Domestic phone support is provided.

Live online one on one support is available.

What We Don't Like

Early termination fee.

Has a variable swipe rate.

Contract term is three years.

A Monthly fee is required.

Employs independent sales agents.

Industries Served

  • Cigars & Tobacco
  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Gaming
  • Gas Station
  • Guns & Firearms
  • Hunting & Outdoor Equipment
  • Moving Companies
  • Personal Service
  • Property Management
  • SAAS
  • Self Defense, Tasers & Stun Guns
  • Thrift Store

Business Types Served

  • Ecommerce
  • High Volume
  • Information
  • Low Risk
  • Mobile
  • Online
  • Retail / Card Present
  • Small Business

Payment Alliance International (PAI) Products & Services


PAI lists the following products and services on its website:

ATM Solution: PAI offers the G2500 ATM with an 8-inch high-resolution LCD, which is upgradeable to a 10.2-inch touch-screen monitor. The receipt printer is also upgradeable to a 3-inch graphics-capable printer for custom coupons or branding prints. The integrated topper is pairable with a selection of energy-efficient LED toppers to add attraction for customers.

PAI Reports: A complete portfolio management toolset, PAI Reports provides customers with visibility and control in real-time to manage ATMs more effectively than any other tool in the market.​ The solution comes with many features like pricing control, cash forecasting, remote management services, vault access, balance alerts, and fleet management reporting.

Mobile App: The PAI mobile app provides state of the art ATM reporting to support and grow a financial portfolio within the electronics payment industry. PAI clients get a full set of access, ATM maintenance, and monitoring features to stay informed. The mobile app supports all iOS and Android devices.

Payment Alliance International (PAI) Payment Processing

  • Cash Transactions
  • Check Services
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • Gift & Loyalty Program
  • Merchant Cash Advance
  • Mobile Card Reader
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • POS Equipment
  • Shopping Cart Provided
  • Virtual Terminal

Payment Alliance International (PAI) Billing & Invoicing

  • Mobile Payments
  • Online Invoicing
  • Online Payments
  • Payment Processing

Payment Alliance International (PAI) Advertising & Sales

PAI primarily markets its services through independent sales agents. There is also a live chat option its website labeled 'Speak to sales' available for clients that would like some quick additional information.

The company's website does not disclose pricing plans or contracts terms, which could indicate a potential lack of transparency.

There are no advertising/sales complaints to report against PAI.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Payment Alliance International (PAI) Pricing, Rates & Fees


PAI charges a liquidated damages Early Termination Fee of $650, a chargeback fee of $20, and a PAI Secure fee of $5.95.

Pricing at a Glance

Pricing Model

Interchange PlusTiered Pricing

Swiped Rate


Keyed-in Rate


Mobile Payment Rate

Virtual Terminal Rate


Monthly Fee

$30 (regularly $60). Includes gateway fee, statement fee, PCI fee/PAI Secure

Payment Gateway Fee

Batch Fee

Early Termination Fee

Liquidated Damages

PCI Compliance Fee


Equipment Lease Terms


Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

$50 (regularly $150)

Annual Fee

Monthly Minimum


Statement Fee

Payment Alliance International (PAI) Contract & Terms

PAI has a 3-year contract with automatic renewal and charges a liquidated damages ETF of $650.

In order to cancel the agreement, merchants must provide a 60-day notice prior to the current term's expiration date.

Contract Length

3 Years

Early Termination Fee

Liquidated Damages

Payment Alliance International (PAI) Setup & Support


Setup Highlights

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

Support Highlights

  • Domestic Phone Support (Business Hours)

Payment Alliance International (PAI) Complaints, Ratings & Reviews

PAI is not a BBB-accredited business despite having a profile with the Better Business Bureau since 2005. The company currently boasts an "A+ rating" on its profile with 2 complaints:

  • 1 product problem

  • 1 billing issue

Both complaints have received a satisfactory resolution.



A+ (2 complaints)






1 Star / 2 Reviews


Total Online Reviews


Total Online Complaints




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