PaynetSecure Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

"High risk" businesses and online credit card processing for both domestic and offshore companies.

Specializes in

Adult entertainment merchants, CBD merchants, foreign exchange companies, the weight-loss industry, Bitcoin merchants, and other "high-risk" businesses.

Pricing Summary

Setup Fee: $0

Monthly Fee: $10 - $20

Swipe Rate: 2.45% - 4.5% + $0.25 - $0.30

Keyed-in Rate: 2.45% - 4.5% + $0.25 - $0.30

Early Termination Fee : Undisclosed

Contract Terms:

Visit PaynetSecure

PayNetSecure has been in business for over 15 years and is headquartered in Las Vegas, NV. They boast specializing in high-risk merchant accounts and exclusive access to banks that are not available through other merchant processors. PayNetSecure has competitive rates and groups international and domestic merchant accounts under one system.

PaynetSecure Overview


PayNetSecure has been servicing companies all over the world for over a decade and a half. The company has expertise working with high-risk and high-volume merchants and so it's speculated that PayNetSecure is partnered with several different banks given the nature of their niche.

PayNetSecure provides some general pricing guidelines for merchants but the exact pricing depends on the merchant's unique business model. For many high-risk businesses based in the United States, the company quotes a per-transaction fee between 2.45% plus $0.25 and 4.5% plus $0.30. 

High-risk domestic merchants have a lower monthly fee of $10-20 compared to offshore merchants, who pay $50-150 per month. To apply for service with PayNetSecure, US-based companies are required to process at least $50,000 per month, and international companies need to process $100,000 per month to qualify.

Quick Facts

Head Quarters

Las Vegas, NV

Year Founded



Konrad Toch



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Accounting & Tax Prep
  • Adult
  • CBD & Hemp
  • Cigars & Tobacco
  • Clothing & Apparel
  • Convenience Store
  • Dating
  • E-Cigarettes / Vape
  • Electronics
  • Gaming
  • Gas Station
  • Healthcare
  • Hunting & Outdoor Equipment
  • Marijuana / Cannabis
  • Marketing Agency
  • Medical
  • Moving Companies
  • Personal Service
  • Property Management
  • SAAS
  • SEO & SEM Services
  • Smoking Accessories
  • Telemedicine
  • Thrift Store
  • Web Design Services

Business Types Served

  • Digital Downloads
  • Ecommerce
  • Enterprise Merchant Accounts
  • High Risk
  • High Volume
  • Information
  • Low Risk
  • MLM
  • Mobile
  • Mom & Pop
  • MOTO
  • Online
  • Retail / Card Present
  • Small Business
  • Subscription / Continuity
  • Wholesale

PaynetSecure Products & Services


Offshore Credit Card Processing

PayNetSecure's Offshore payment processing comes with features like multichannel processing, an extensive banking network, top of the line fraud-fighting tools, recurring bill plans, and high-risk processing specialists. Their military-grade encryption works to help further protect businesses and customers. 

High-Risk Merchant Accounts

PayNetSecure specializes in high-volume payment processing accounts for high-risk merchants. They offer competitive rates, quick approvals, and work with several different member banks. PayNetSecure is known to have great fraud-fighting tools that help customers accept legitimate orders quickly, decline fraudulent ones, and set aside questionable transactions for further review.

Echeck and ACH Processing

ACH processing and Echeck merchant accounts give customers an easy way to pay merchants through a bank account rather than using a card. Electronic checks are one of the most popular payment methods in the USA and ACH echecks are also a familiar and trusted form of payment for many Americans.

PaynetSecure Payment Processing

  • Credit Card Processing
  • Debit Card Processing
  • eCheck & ACH Processing
  • Online Payments
  • Payment Gateway
  • Recurring Billing
  • Virtual Terminal

PaynetSecure Billing & Invoicing

  • Contact Database
  • Multi-Currency
  • Online Payments
  • Recurring/Subscription Billing

PaynetSecure Advertising & Sales

PayNetSecure hires independent sales agents and has no known complaints regarding its sales practices. This is pretty impressive considering that most companies who employ independent sales agents typically face a large number of complaints due to pushy sales tactics, overstated services, and so on.

PayNetSecure also works with referral partnerships to market their services. There is a possibility that this might change once the company sets up a profile with the BBB. 

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


PaynetSecure Pricing, Rates & Fees


According to PayNetSecure’s website, they have different pricing guidelines for the different types of merchants. For high-risk businesses in the United States, PayNetSecure has a per-transaction fee between 2.45% plus $0.25 and 4.5% plus $0.30, a monthly fee that falls between $10-20, and a rolling reserve up to 10%. 

For offshore high-risk merchants, there is a per-transaction fee between 3.5% and 6.95% plus $0.65, a monthly fee between $50-150, and a rolling reserve between 5% and 10%. For e-commerce merchants overseas, there is a per-transaction fee between 2.95% and 4.95%, a monthly fee of up to $50, and a rolling reserve of up to 5%.

Pricing at a Glance

Pricing Model

Swiped Rate

2.45% - 4.5% + $0.25 - $0.30

Keyed-in Rate

2.45% - 4.5% + $0.25 - $0.30

Mobile Payment Rate

Virtual Terminal Rate

2.45% - 4.5% + $0.25 - $0.30

Monthly Fee

$10 - $20

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

PaynetSecure Contract & Terms

PayNetSecure does not have many publically available, concrete details about their contracts at this time. Since the company specializes in high-risk merchant accounts, each merchant's pricing is customized according to the merchant client's business type, processing history, and amount of time in business.

PayNetSecure also does not clearly state its early termination fees, so it's likely that the penalty for early termination varies from business to business as well. 

Contract Length


Early Termination Fee


PaynetSecure Setup & Support


Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)

PaynetSecure Complaints, Ratings & Reviews

PayNetSecure currently does not have a profile set up with the BBB, but there are no known negative reviews or scam-related accusations against the company. There are also no outstanding class-action lawsuits or FTC complaints involving PayNetSecure.







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