PrimePay Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

PrimePay offers personalized consultation, POS hardware equipment, and software setup solutions to businesses within various industries and of all sizes.

Specializes in

PrimePay's team of in-house representatives aids clients in choosing suitable POS systems and necessary hardware that fit each merchant's unique budget and needs.

Pricing Summary

Setup Fee: $0

Monthly Fee: Undisclosed

Swipe Rate: 2.69% + $0.19

Keyed-in Rate: 3.69% + $0.19

Early Termination Fee : Up To $495

Contract Terms:

3 Years
Visit PrimePay

PrimePay began operation in 1986 and does not list an acquiring bank on its official website. Originally operating as a merchant account provider that offers payroll, HR, and tax solutions to businesses, PrimePay has expanded into credit card processing. Certain benefits listed on the merchant service provider's website include no termination fees, no rate increases, transparent pricing, and no binding contracts.

PrimePay Overview


PrimePay's website states that it currently serves hundreds of businesses, including clients within hospitality, e-commerce, dining, and brick-and-mortar retail. It addresses merchants' needs involving POS terminals & payment software, mobile technology, and e-commerce solutions.

As a privately-owned company, William J. Pellicano is listed as the company's CEO.

Quick Facts

Head Quarters

West Chester, PA

Year Founded



William J. Pellicano



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Accounting & Tax Prep
  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Gas Station
  • Medical
  • Moving Companies
  • Personal Service
  • Restaurant / Bar
  • SAAS
  • Thrift Store

Business Types Served

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

PrimePay Products & Services


PrimePay lists the following solutions on its website:

POS Software & Setup: PrimePay's team of in-house representatives will analyze your needs and budget to suggest a POS software and card processor that best suits your business. The merchant service provider also offers setup services to get your business up and running. Software and setup solutions are available for both brick-and-mortar businesses and e-commerce merchants.

Hardware Purchase & Setup: Whether you currently own hardware or are looking to purchase new equipment, PrimePay's website states that its team works with clients to properly set up POS systems and ensure optimal performance.

Payment Processing: PrimePay's merchant services ensure merchants can accept various forms of payment, including EMV chip cards, contactless, and e-commerce transactions. The company also guarantees clients the ability to process payments offline when necessary.

Customer Data Insights: PrimePay grants its clients access to sales & customer data to obtain better optics of performance and new potential growth opportunities. The merchant services provider also claims to offer merchants the ability to communicate with and reward loyal customers; however, no additional information is provided on its official website.

PrimePay Payment Processing

  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • EMV Processing
  • Mobile Payments App
  • Online Payments
  • POS Equipment

PrimePay Billing & Invoicing

  • Mobile Payments
  • Multi-Currency
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

PrimePay Advertising & Sales

PrimePay appears to use an in-house sales and support team to promote its payment solutions. The company does not clearly list its rates or terms & conditions on the official website; however, it allows potential clients to sign-up for a free quote or estimate their yearly savings using the page's embedded calculator. It should be noted that the embedded calculator cannot provide clients with a clear idea of their potential savings due to a lack of necessary information. This includes the current rates a merchant is paying prior to contracting PrimePay.

The company currently has 3 complaints on its Better Business Bureau (BBB) profile, but none of them are related to advertising or sales.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


PrimePay Pricing, Rates & Fees


PrimePay mentions on its website that pricing information is transparent and fully disclosed to clients but may vary on a case-by-case basis depending on a merchant's specific needs and budget. Competitive rates are guaranteed. PrimePay also promises no termination fees, including early termination fees (ETF). The merchant services provider also promotes no increase in rates.

Pricing at a Glance

Pricing Model

Swiped Rate

2.69% + $0.19

Keyed-in Rate

3.69% + $0.19

Mobile Payment Rate

Virtual Terminal Rate

1.00% - 4.99%

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee

Up To $495

PCI Compliance Fee

$19.95 Per Month

Equipment Lease Terms

48 Month (locked)

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee


Annual Fee

Monthly Minimum


Statement Fee

PrimePay Contract & Terms

PrimePay's official website clearly states that there is no annual contract or commitment for customers to adhere to. There are also no early termination fees.

Contract Length

3 Years

Early Termination Fee

Up To $495

PrimePay Setup & Support


Setup Highlights

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

Support Highlights

  • Domestic Phone Support (Business Hours)

PrimePay Complaints, Ratings & Reviews

PrimePay is not a BBB-accredited business but carries an 'A+' rating. Overall, the company has maintained a BBB profile since 2013, and there are currently no customer reviews on its profile. Clients should note that PrimePay's BBB rating is primarily focused on its payroll, HR, and tax solution services rather than its merchant services.

Over the course of its 25-year operational record, the firm has accumulated 3 customer complaints. The complaints involved product/service related problems; however, PrimePay has successfully resolved all cases. A lack of customer complaints regarding PrimePay's merchant services indicates its in-house representatives provide adequate customer service and expertise.



A+(3 complaints)


3.6 Stars / 23 Reviews


3.9 Stars / Based on the opinion of 124 people


3 Stars / 2 Reviews


Total Online Reviews


Total Online Complaints




PrimePay Alternatives


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