PayProTec Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Standard-risk merchants who want a wide selection of POS solutions to choose from

Specializes in

POS software, terminals, merchant accounts, eCommerce payment processing

Pricing Summary

Setup Fee: $95

Monthly Fee: $10 Per Month (Service Fee)

Swipe Rate: 1.00% - 4.99%

Keyed-in Rate: 1.00% - 4.99%

Early Termination Fee : $900

Contract Terms:

3 Years
Visit PayProTec

PayProTec is a merchant account provider that services more than 10,000 merchants across many industries. The company specializes in providing POS solutions and has a wide variety of options for its merchants to choose from. PayProTect also offers eCommerce payment processing services that integrate with common platforms like Shopify and Magento.

PayProTec Overview


PayProTec is a registered ISO/MSP of Wells Fargo Bank. The company is based out of Warsaw, Indiana, and was founded in 2006. PayProTec provides solutions to merchants across many industries, including:

  • Clothing and apparel

  • Electronics

  • Gas stations

  • Personal service

  • Software-as-a-service

  • Restaurants and bars

The company favors multi-year contracts with early termination fees that can be $250 or more. This means any merchant who is going to use PayProTec should be sure that they want to stay with the company for the long-term before signing any contracts.

PayProTec has a low complaint total and an A+ rating with the Better Business Bureau. These are signs that the company’s customers are mostly happy with the service that they get from PayProTec.

Quick Facts

Head Quarters

Warsaw, Indiana

Year Founded



Matt Hoskins



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Gas Station
  • Personal Service
  • Restaurant / Bar
  • SAAS
  • Thrift Store

Business Types Served

  • Ecommerce
  • Mobile
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

PayProTec Products & Services


POS Software and Hardware

PayProTec offers its merchants a ton of POS solutions to choose from. For example, its Paradise POS system is a hybrid POS solution that’s both cloud and software-based. It can be used on a standard iPad and features some helpful reporting tools that make it easier for a merchant to manage their operation.

PayProTect also has a restaurant-industry-specific POS solution called HotSauce. It makes it easier for a restaurant to provide table service, quick service, express checkouts, and fast bar service.

Other POS solutions from PayProTec include:

  • Growthzilla

  • NCR Silver

  • Revel Systems

  • Vend


PayProTec also leases credit card terminals. They offer machines from some of the most popular names in the industry, including Verifone and Ingenico. Additionally, the company claims to have a wide selection of free terminals available. But it doesn’t provide any additional details about this offer on its website.

eCommerce Payment Processing

If you do business online, PayProTec can help with that as well. The company has an eCommerce payment platform that can integrate with all of the major eCommerce platforms. That’s a list that includes Magento, Shopify, WooCommerce, OpenCart, and more. The company says that its eCommerce solution can save you money, but it doesn’t offer any specific information on how it would do so.

PayProTec Payment Processing

  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • eCheck & ACH Processing
  • EMV Processing
  • Gift & Loyalty Program
  • Merchant Cash Advance
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • POS Equipment
  • Virtual Terminal

PayProTec Billing & Invoicing

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

PayProTec Advertising & Sales

PayProTec appears to hire independent sales agents to sell its products. That’s a practice that’s commonly associated with deceptive sales practice. But that’s not the case for PayProTec. There are very few complaints about deceptive sales tactics being used by the company online.

The company’s advertising practices are fair enough. The company isn’t very straightforward about its pricing and it says that it can save merchants money without offering specific details demonstrating how. But PayProTec doesn’t advertise any inaccurate rates or features that it doesn’t actually offer from what we can tell.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


PayProTec Pricing, Rates & Fees


PayProTec employs a tiered pricing structure. Its per-transaction rates for different types of transactions can range from as low as 1.00% to as high as 4.99%. But the company doesn’t provide more specificity than that about how much it charges its merchants.

That being said, we do know that PayProTec favors contracts with a considerable amount of fees. For example, the company charges a $95 setup fee. It also charges a $25 monthly minimum fee and a $10 basic service fee.

Pricing at a Glance

Pricing Model

Tiered Pricing

Swiped Rate

1.00% - 4.99%

Keyed-in Rate

1.00% - 4.99%

Mobile Payment Rate

Virtual Terminal Rate

1.00% - 4.99% + $0.10

Monthly Fee

$10 Per Month (Service Fee)

Payment Gateway Fee

$20 Per Month

Batch Fee


Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms

48 Month (locked)

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee


Monthly Minimum

$25 Per Month

Statement Fee

PayProTec Contract & Terms

PayProTec favors a multi-year contract model, which is similar to what its competitors use. The contract requires merchants to lock themselves into a multi-year agreement with PayProTec. Those who wish to break the agreement early will have to pay a hefty early termination fee to do so. Some merchants have complained about early termination fees as high as $900 from PayProTec.

Contract Length

3 Years

Early Termination Fee


PayProTec Setup & Support


Setup Highlights

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

Support Highlights

  • Dedicated Account Manager
  • Domestic Phone Support (Business Hours)

PayProTec Complaints, Ratings & Reviews

PayProTec currently has an A+ rating with the Better Business Bureau. The company has received a low number of complaints on its BBB page, with just 9 being filed in the last 36 months.

Five of these complaints relate to product or service issues. Three of them are related to billing and collection practices. And one of the complaints is related to a delivery problem.



A+ and has been Accredited since 2008. (3 Reviews; 7 Complaints)


3.2 Stars / 34 Reviews


3.2 Stars. Based on the opinion of 9 people


2.5 Stars / 3 Reviews


Total Online Reviews


Total Online Complaints




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