PaySimple Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Small service-based businesses with recurring clients.

Specializes in

Enabling small-scale service merchants to utilize advanced billing features with a significant degree of customization, even without a strong technical knowledge of MSP systems.

Pricing Summary

Setup Fee: $0

Monthly Fee: $49.95 - $99.95

Swipe Rate: 2.49% + $0.29

Keyed-in Rate: 2.49% + $0.29

Early Termination Fee : $0

Contract Terms:

Month-to-month 3 Years
Visit PaySimple

Service commerce platform established in Denver, Colorado serving over 17,000 customers.

PaySimple is a registered ISO of Fifth Third Bank and a registered ISO of Wells Fargo Bank, N.A., Concord, CA. DigiCert Seal.

PaySimple Overview


PaySimple provides small business owners in the service sector with the tools they need to accept payments, while additional features of the platform help merchants manage a base of customers with detailed needs. Think businesses that offer legal or medical services, classes or lessons, cleaning or repair services, web services — you get the idea. In the process of signing up for PaySimple’s payment gateway and cloud-based software suite, you will also be assigned a dedicated merchant account with a separate processor on the back end. In this sense, PaySimple is also a traditional merchant services provider (MSP).

PaySimple is a relatively small company with only about 200 employees but still brings in $32 million in revenue annually. This self-described "service commerce platform" provides an integrated system that enables small business owners to process transactions and manage their customers' needs. The system is designed with service merchants in mind, such as doctor's offices and hair salons, that manage relationships with customers over time and have unique billing and communication needs. 

This merchant service provider (MSP) allows business owners to utilize advanced billing features, such as enabling recurring payments and tracking customer information, without requiring any technical knowledge from the user. However, this may not be the right system for businesses with robust inventory tracking needs or a high volume of card-swipe transactions.

PaySimple has a superb customer service department and a reliable support team to provide any assistance or training that you might require as you navigate the system. And PaySimple does provide support if an issue arises with funding or transactions rather than leaving merchants to navigate these conflicts independently. 

Note: PaySimple is only available to US providers who process transactions in USD.


Quick Facts

Head Quarters

Denver, CO

Year Founded



Eric Remer - CEO, David Sharp - President



Merchant Provider Risk Tolerance

What We Like

Ideal for service industries

No early termination fee

Good subscription & invoicing tools

Excellent customer support

What We Don't Like

Not good for high-volume, card-present merchants

Not good for international merchants

Untransparent tiered pricing

Industries Served

  • Accounting & Tax Prep
  • Clothing & Apparel
  • Convenience Store
  • Credit Repair
  • Education
  • Educational Seminars
  • Electronics
  • Gaming
  • Gas Station
  • Healthcare
  • Hunting & Outdoor Equipment
  • Legal
  • Marketing Agency
  • Medical
  • Moving Companies
  • Personal Service
  • Pharmaceutical
  • Property Management
  • Restaurant / Bar
  • SAAS
  • SEO & SEM Services
  • Telemedicine
  • Thrift Store
  • Travel
  • Web Design Services

Business Types Served

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

PaySimple Products & Services


Merchant Account: PaySimple sets users up with a third-party merchant account. 

ACH & eCheck Payments: Encourage direct debit transactions, which are less expensive to process than credit and debit transactions. 

Virtual Terminal: Manually enter credit card data for customers. Merchant already using credit card terminals can likely add theirs to this terminal, and PaySimple's support team will help you find a solution if you can't integrate the hardware.

Mobile POS App: Mobile app and card reader allows merchants to process both card-swipe and ACH transactions.

Online Store: Build an online platform that streamlines products and services and enables one-time or recurring payments utilizing PaySimple's built-in tools. (Note: pre-built integration with shopping cart software is not available.)

Appointments & Scheduling: Use "BookSimple" features to enable online appointment scheduling, integrated with iCal and Outlook, and send automatic reminders to clients.

Online Invoice Tracking: See invoice status in real-time to identify outstanding payments and automate reminders to collect outstanding invoices

Customer Management: Track customer information, create custom communications, and build reports to analyze detailed data on clients and transactions.

PaySimple Payment Processing

  • Check Services
  • Credit Card Processing
  • eCheck & ACH Processing
  • Mobile Card Reader
  • Mobile Payments App
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • POS Equipment
  • Receipt Printing
  • Recurring Billing
  • Retail Payment Processing
  • Virtual Terminal

PaySimple Billing & Invoicing

  • Billing Portal
  • Contact Database
  • Contingency Billing
  • Customizable Invoices
  • Mobile Payments
  • Multi-Currency
  • Online Invoicing
  • Online Payments
  • Recurring/Subscription Billing

PaySimple Advertising & Sales

PaySimple offers a wealth of information to help potential customers decide whether it's the best fit for their needs, but still has a few transparency issues in its advertising.

One complaint: PaySimple touts "as low as" rates on its main page, but those rates are not accessible to most businesses, so this isn't the most straightforward way to advertise pricing. (For example, using a corporate card automatically bumps your rate.) You can find information about the higher rates, but this requires a little bit of digging. More transparency about the higher rates would play better for potential customers.

The disparity between the advertised rates and actual monthly price is enhanced by the fact that the final monthly charge includes administration fees, PCI, and transaction fees, as well as potential incidental charges for returns. As a result, the true monthly total to utilize PaySimple's services is higher than the advertised rates. 

These additional fees are broken out once you go through the steps to set up a PaySimple account. A bit more transparency on the front end would be nice, though, especially since the rest of the PaySimple experience is so simple. 

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


PaySimple Pricing, Rates & Fees


PaySimple offers two pricing plans: the Starter Plan and the Standard Plan. Getting details on each plan's rates and fees can be tricky, but a quick chat with a customer service representative can point you in the right direction.

The Starter Plan ($24.95/month) has a lower monthly base rate, but higher fees for all transactions. The Standard Plan ($54.95/month) carries the higher base cost and includes access to all of the platform's e-commerce features; however, lower transaction fees could make it the more attractive plan for merchants that process a higher monthly transaction volume. Most of the other charges are the same in both plans.

Pricing at a Glance

Pricing Model

Interchange PlusTiered PricingFlat Rate

Swiped Rate

2.49% + $0.29

Keyed-in Rate

2.49% + $0.29

Mobile Payment Rate


Virtual Terminal Rate

1.00% - 4.99%

Monthly Fee

$49.95 - $99.95

Payment Gateway Fee


Batch Fee

$0.29 Per Batch

Early Termination Fee


PCI Compliance Fee

$4.95 Per Month

Equipment Lease Terms

48 Month (locked)

Address Verification Service (AVS)

Application Fee

$4.95 Per Month

Account Setup Fee


Gateway Setup Fee


Annual Fee


Monthly Minimum


Statement Fee

PaySimple Contract & Terms

Users can sign up for PaySimple with a month-to-month agreement and can cancel at any time without incurring a termination fee. You'll just need to provide a written 10-day notice of your desire to cancel and will pay for the remainder of your current monthly service fee.

Your agreement for the merchant account included with your PaySimple subscription is also a monthly contract with no termination penalty. Just be sure to send notice of your cancelation in writing to avoid inadvertently accruing lingering fees after the fact.

Users can lease equipment through PaySimple as well if needed. These agreements are made with a third party and require a 48-month term, which is non-cancelable even if you cancel your PaySimple account.

Contract Length

Month-to-month3 Years

Early Termination Fee


PaySimple Setup & Support


Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)

PaySimple Complaints, Ratings & Reviews

User reviews of PaySimple are overwhelmingly positive, with well over half of users giving a 5-star rating. 

The most consistent highlight in these reviews is that PaySimple's customer service goes above and beyond to resolve issues and provide ongoing support to users. Users also commend the simplicity of setting up the system, reviewing billing and customer information, and generating reports from that data.

There are a few consistent complaints as well. Businesses note that the process of changing a customer's billing information (like switching from a credit card to an ACH payment, for example) can be tedious. Processing times on payments sometimes lags a day past the projected window. The additional steps required to get full transparency on pricing plans and fees, as noted previously, is another common point of frustration. That said, most of this negative feedback comes from 4-5 star reviews of the service, and customers are largely satisfied with PaySimple's service.



A+ (14 Customer Complaints)








Total Online Reviews


Total Online Complaints





If you're in the market for a merchant account provider, be sure to check out our user reviews, our merchant accounts guide and our top popular merchant provider picks