Restaurant, bar, retail, eCommerce, small business, mom and pop.
PayPartners is a merchant account provider that reportedly specializes in various businesses, mostly physical, while also servicing online stores and eCommerce. PayPartners is affiliated with several other organizations.
Setup Fee: $0
Monthly Fee: Undisclosed
Swipe Rate: 1.00% - 4.99%
Keyed-in Rate: 1.00% - 4.99%
Early Termination Fee : $250
Jeff Easter founded PayPartners in Portland, Oregon, in 2018. It employs a small number of people--ten or less--and services mainly small businesses, retail, restaurant, and eCommerce businesses. It does not disclose certain information, like the identity of its owners, beyond the CEO.
PayPartners was founded in 2018 and is involved with several other merchant account providers. These companies are United Card Solutions, Direct Processors, and Performance Merchant Alliance.
Its pricing model isn’t clearly stated, though it is a reseller of First Data, and it can be safely assumed that the contract and specific fees within it remain the same or similar. The other companies that PayPartners is affiliated with, however, do have more transparent pricing plans, and one of them uses a tiered-pricing method with three tiers inside of it. These rates tend to be on the more expensive side of decent merchant account providers.
PayPartners focuses on servicing smaller businesses. Its industry reputation seems to be average, but mixed, yet still trending towards the higher end. While it is strange that PayPartners hides so much of its information, there is not a vast number of online complaints or negative reviews against it.
Merchant Provider Risk Tolerance
Point 1: Mobile Payment Processing
PayPartners offers mobile options of payment so that merchants can allow customers to pay bills with their phones. Traditionally, the mobile payment process usually will enable merchants to take Google Pay, Apple Pay, Samsung Pay, and other mobile payment options. Unfortunately, PayPartners doesn’t have the information available without a detailed formal business quote. This extends to its other products and services.
Point 2: POS Solutions and Physical Card Acceptance
PayPartners leases (or sells) equipment and physical terminals to allow merchants to take cards in person. This is useful in retail or restaurants, especially when customers can swipe their card to pay their food bill or buy a pair of jeans and move on. The specific equipment leased or sold and the exact methods are not detailed on PayPartners’ website.
Point 3: Online Payment Processing
PayPartners also enables eCommerce merchants to take credit and debit cards online. More often than not, this involves virtual terminals and payment gateways to make the entire process secure and efficient. The details of its online payment processing are not revealed on PayPartners’ website.
Discloses All Important Terms
Public Pricing Available
PayPartners doesn’t publicly disclose all of the information about the sales model that it offers. The affiliated companies it works with and its secondary name (National Card Solutions) tend to use a tiered-pricing plan with reasonably high rates. Some of them go as high as 3.25%+$0.09. There are far better rates from other merchant account providers than this.
This information is kept hidden, and you must research to dig it up. A $10 monthly statement fee, $150 PCI Compliance Fee (billed annually), an unspecified monthly fee, and a $15 help desk fee also apply. An early termination fee of at least $250 also applies.
Interchange PlusTiered Pricing
1.00% - 4.99%
1.00% - 4.99%
Mobile Payment Rate
Virtual Terminal Rate
1.00% - 4.99%
Payment Gateway Fee
Early Termination Fee
PCI Compliance Fee
$150 Per Year
Equipment Lease Terms
48 Month (locked); $77 Per Month
Address Verification Service (AVS)
Account Setup Fee
Gateway Setup Fee
PayPartners, as a reseller of First Data, utilizes a contract that has a three-year-long agreement with an early termination fee of at least $250. Other specific contract terms besides this are hard to locate.
A long-term equipment lease through First Data Global Leasing is usually attached, as well. Rates and fees vary from sales agent to sales agent, dealing with each merchant individually. There are also monthly minimum fees and various other associated fees.
Early Termination Fee
PayPartners--and its other name, National Card Solutions-- are part of a tricky situation. Despite PayPartners not having many complaints, its other name and affiliated companies have a ton of negative reviews and complaints. Common complaints include deceptive sales practices, misleading information, and false promises by sales representatives.
PayPartners does not have any legal action threatening it at this time, nor has it had any in the past. If it is as deeply involved with these other organizations as it seems to be, it may be in the future. Besides this, PayPartners looks clean on the surface.
3 Stars / Based on the opinion of 2 people
Total Online Reviews
Total Online Complaints
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