PayPartners Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Restaurant, bar, retail, eCommerce, small business, mom and pop.

Specializes in

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.

Pricing Summary

Setup Fee: $0

Monthly Fee: Undisclosed

Swipe Rate: 1.00% - 4.99%

Keyed-in Rate: 1.00% - 4.99%

Early Termination Fee : $250

Contract Terms:

3 Years
Visit PayPartners

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 Overview


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.

Quick Facts

Head Quarters

Portland, OR

Year Founded



Jeff Easter



Merchant Provider Risk Tolerance

What We Like

Zero setup fee.

Domestic telephone support during business hours.

Documentation knowledge base.

Low risk tolerance.

Serves smaller businesses.

What We Don't Like

Early termination fee.

Three year contract.

Employs telemarketers.

Uses a tiered pricing system with high rates.

Public pricing is not available.

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Gas Station
  • Marketing Agency
  • Moving Companies
  • Personal Service
  • SAAS
  • Thrift Store
  • Web Design Services

Business Types Served

  • Ecommerce
  • High Volume
  • Information
  • Low Risk
  • Mobile
  • Mom & Pop
  • MOTO
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

PayPartners Products & Services


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.

PayPartners Payment Processing

  • Credit Card Processing
  • Debit Card Processing
  • EMV Processing
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • POS Equipment
  • Virtual Terminal

PayPartners Billing & Invoicing

  • Mobile Payments
  • Online Payments
  • Payment Processing

PayPartners Advertising & Sales

PayPartners is not an ISO of any known bank. While PayPartners itself has very few public complaints, the associated, previously named companies have many. PayPartners uses telemarketing and an in-house sales team to market its services and products. All affiliated companies have been accused of nondisclosure of essential contract terms, misrepresentation of fees, and deceptive, predatory sales practices. 

PayPartners utilizes a tiered-pricing system with rates as high as 3.25%, which is relatively high in the merchant account provider world. While it doesn’t seem like PayPartners itself is dishonest, it is so heavily affiliated with these other companies who engage in shady sales practices a negative point in its favor.

PayPartners may also engage in some shady sales practices, but it is not detailed under the few complaints and negative reviews that it has received.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


PayPartners Pricing, Rates & Fees


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.

Pricing at a Glance

Pricing Model

Interchange PlusTiered Pricing

Swiped Rate

1.00% - 4.99%

Keyed-in Rate

1.00% - 4.99%

Mobile Payment Rate

Virtual Terminal Rate

1.00% - 4.99%

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee

$150 Per Year

Equipment Lease Terms

48 Month (locked); $77 Per Month

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee


Annual Fee


Monthly Minimum


Statement Fee


PayPartners Contract & Terms

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.

Contract Length

3 Years

Early Termination Fee


PayPartners Setup & Support


Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)

PayPartners Complaints, Ratings & Reviews

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.



C+(6 complaints)




3 Stars / Based on the opinion of 2 people




Total Online Reviews


Total Online Complaints




PayPartners Alternatives


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