PowerPay Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Medium and large merchants who value integrated payment processing solutions and international payment capabilities

Specializes in

Payment processing, international processing, integration, terminals, POS solutions, payment gateways, mobile payments

Pricing Summary

Setup Fee: $0

Monthly Fee: Variable

Swipe Rate: Variable

Keyed-in Rate: Variable

Early Termination Fee : $250

Contract Terms:

3 Years
Visit PowerPay

PowerPay was a merchant account provider that was fully absorbed by EVO Payments in 2019. It now operates entirely through EVO, which merchants can use for a variety of payment processing services. The company offers online payment processing, terminals, POS solutions, and related services.

PowerPay Overview


PowerPay was based out of Portland, Maine before it was acquired by EVO Payments in 2019. Merchants who wish to use PowerPay now will have to go through EVO Payments to do so. EVO is a registered ISO/MSP of Wells Fargo. It services a wide variety of merchants, including those operating in sectors like

  • Clothing

  • Credit repair

  • Education

  • Electronics

  • Healthcare

  • SAAS

EVO Payments appears to use a combination of both tiered and interchange-plus pricing models. The company also may offer flat-rate pricing in special circumstances. EVO’s prices and fees vary from merchant to merchant based on a variety of factors.

EVO Payments currently has an A rating with the Better Business Bureau. However, it has received a large number of complaints. Many of these referenced undisclosed contract terms and poor customer service.

Quick Facts

Head Quarters

Portland, Maine

Year Founded



Jim Raftice



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Credit Repair
  • Debt Consolidation
  • Education
  • Electronics
  • Healthcare
  • Legal
  • Marketing Agency
  • Moving Companies
  • Personal Service
  • Property Management
  • Restaurant / Bar
  • SAAS
  • SEO & SEM Services
  • Thrift Store
  • Web Design Services

Business Types Served

  • B2B
  • Ecommerce
  • Enterprise Merchant Accounts

PowerPay Products & Services


Merchant Accounts and International Processing

EVO Payments is a direct payment processor. This means that a merchant can process all of their payments through the company. EVO’s processing solution is a particularly good fit for merchants with an international focus. The tool will let you accept payments in over 150 currencies and from 50 different international markets.

Integrated Payments Platform

PowerPay also offers merchants an integrated payments platform. This service integrates all of a merchant’s payment technology into a single platform that can accept payments and track analytical data. Using the integration platform could be a good option for merchants who are looking to generate more advanced insights into their business.

Terminals and POS Solutions

EVO Payments partners with other providers to offer merchants a variety of terminals and POS solutions. Its website is a bit unclear about the details of these offerings. However, it appears that EVO Payments’ hardware partners include Verifone, Ingenico, and Handpoint, among others.

PowerPay Payment Processing

  • Chargeback & Fraud Prevention
  • Contactless NFC
  • Credit Card Processing
  • Debit Card Processing
  • eCheck & ACH Processing
  • EMV Processing
  • Gift & Loyalty Program
  • Mobile Payments App
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • POS Equipment
  • Recurring Billing
  • Virtual Terminal

PowerPay Billing & Invoicing

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

PowerPay Advertising & Sales

EVO Payments doesn’t use any deceptive advertising practices, which is nice to see. However, it doesn’t share very specific information about its prices either. A merchant will essentially need to go through the account setup process to figure out how much they would actually be charged for EVO’s payment processing solutions.

The company’s sales processes aren’t as good as they could be. EVO hires independent sales agents to sell its wares. This has robbed EVO’s sales process of all consistency. Some merchants have had great experiences with EVO’s sales staff while others have complained about hidden costs and fees.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


PowerPay Pricing, Rates & Fees


Unfortunately, EVO Payments has made very little of its pricing information available to the public. We know that they use a mixture of tiered, interchange-plus, and flat-rate models. But we don’t know if merchants are free to choose from these options or if EVO decides for them.

There are some pros and cons to this practice. It suggests that merchants have some flexibility to set up a plan with EVO Payments that is uniquely suited to their needs. But it also means that EVO is free to charge different prices to each merchant that it works with, which could result in some merchants paying more for the service than they should really be charged.

Pricing at a Glance

Pricing Model

Tiered Pricing

Swiped Rate


Keyed-in Rate


Mobile Payment Rate

Virtual Terminal Rate


Monthly Fee


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

PowerPay Contract & Terms

EVO Payments favors an industry-standard three-year contract with an automatic renewal clause. Merchants who sign this are subject to an early termination fee that can be as high as $500. To prevent the contract from automatically renewing, you need to send a written cancelation notice to the company within 60 days of the end of the agreement. The exact provisions of EVO contracts vary from merchant to merchant.

Contract Length

3 Years

Early Termination Fee


PowerPay Setup & Support


Setup Highlights

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

Support Highlights

  • Domestic Phone Support (Business Hours)
  • FAQ

PowerPay Complaints, Ratings & Reviews

EVO Payments currently has an A rating with the Better Business Bureau. However, we’ve also found a large number of complaints about the company online. A certain number of complaints is inevitable for all large payment processors. But EVO’s suggest a pattern of poor customer service, undisclosed contract terms, and difficulty with closing accounts.



A and has been Accredited since 2004. (68 Reviews; 2014 Complaints)


1 Star / 8 Reviews






Total Online Reviews


Total Online Complaints





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