ProPay Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Specializes in

Online Payments, Mobile Commerce, Payment Security, Money Transfers, Payment Processing, E-commerce, End-to-end payment security, and Direct selling solutions

Pricing Summary

Setup Fee: $39.95

Monthly Fee: $0

Swipe Rate: 2.60%; 3.40% (for Amex)

Keyed-in Rate: 3.55%; 3.40% (for Amex)

Early Termination Fee : None

Contract Terms:

1 Year
Visit ProPay

We are a trusted leader in offering simple, secure, and affordable payment processing solutions anytime, anyplace business happens.
Founded 17 years ago, ProPay’s mission is to empower and enable entrepreneurs and small businesses with the tools to succeed. Currently, over 1.5 million customers can accept credit card payments online, on-the-go and in-person supporting their pursuit for success.
ProPay offers the newest technology to manage risk. As one of the first to provide ProtectPay, a secure end-to-end payment processing solution, we utilize encryption and tokenization to protect customer credit card data.

ProPay Overview


Founded in 1997, ProPay is a merchant account provider that shares attributes of both a traditional credit card processor and services like PayPal, Stripe, 2Checkout, and Google Checkout. ProPay’s similarities with a traditional merchant account include the ability to swipe credit cards at the point of sale, which can result in a lower processing fee, as well as the ability to accept payments for other purposes such as e-commerce and mail order/telephone order sales.
Unlike a traditional merchant services provider, ProPay does not support the use of countertop credit card terminals like the type used at most retailers. However, like PayPal and 2Checkout, ProPay has an easy signup process and is open to non-traditional merchants such as direct sellers and micro-merchants. ProPay acts as its own holding account and merchants must manually transfer their money to a linked checking account.

PropPay is headquartered at 3400 Ashton Blvd Ste 200, Lehi, Utah, ProPay is a merchant account provider that shares attributes of both a traditional credit card processor and services like PayPal, Stripe, 2Checkout, and Google Checkout. ProPay was acquired by TSYS in late 2012 and now operates under the ProPay name as “a TSYS Company.” Dave Duncan is the president of ProPay.

Quick Facts

Head Quarters

Lehi, UT

Year Founded



Dave Duncan



Merchant Provider Risk Tolerance

What We Like

Predictable flat-rate pricing

No monthly minimums

Suitable for direct selling industry

Good for eCommerce

Few public complaints

What We Don't Like

Setup fees

Annual fees

Expensive for high-volume merchants

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Education
  • Educational Seminars
  • Electronics
  • Gas Station
  • Healthcare
  • Legal
  • Marketing Agency
  • Medical
  • Moving Companies
  • Personal Service
  • Property Management
  • SAAS
  • SEO & SEM Services
  • Telemedicine
  • Thrift Store
  • Web Design Services

Business Types Served

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

ProPay Products & Services


Historically, most of ProPay’s merchant portfolio dealt in card-not-present transactions, and the majority of its products and services have been tailored accordingly. ProPay doesn’t offer traditional card terminals or point of sale equipment like most merchant account providers. Still, low-volume sellers looking for mobile processing and the lower rates of swiped transactions can find options here. Processing methods include a virtual terminal, the ProPay app, a couple of portable card readers, e-invoicing, and even touch-tone phone processing for the smartphone holdouts among us.
Here’s what ProPay offers:
Merchant Accounts
International Processing
ProPay Gateway
Payment Network
Prepaid Debit Mastercard
Virtual Terminal
ProPay Mobile App
ProPay JAK Mobile Card Reader
ProPay EMV Card Reader
Industry-Specific Partnerships
Custom Services & APIs
ProFac Express

ProPay Payment Processing

  • Credit Card Processing
  • Debit Card Processing
  • eCheck & ACH Processing
  • Mobile Card Reader
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • Virtual Terminal

ProPay Billing & Invoicing

  • Mobile Payments
  • Multi-Currency
  • Online Payments
  • Payment Processing

ProPay Advertising & Sales

ProPay does not use any deceptive marketing or sales tactics that are apparent to this reviewer. The entire signup process is handled in-house and on the company’s website. Additionally, ProPay’s pricing is transparently displayed and does not hide pernicious fees.

We are not seeing any merchant complaints at this time that accuse the company of deceptive advertising strategies, which indicates that ProPay deserves an “A” rating in this category. However, if you suspect that ProPay has snuck hidden fees into your monthly statement, we recommend seeking a third-party statement audit to find and eliminate undisclosed charges.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


ProPay Pricing, Rates & Fees


ProPay offers an annual agreement with an annual fee but no monthly fees, monthly minimums, gateway fees, or statement fees. We are unable to determine at this time whether the company charges a cancellation fee for merchants who terminate their contracts early, but ProPay has not charged such a fee in the past. We also have not seen any complaints regarding a termination fee.

ProPay offers 3 plans that come with different rates and fees. The “Premium” plan costs $39.95 per year and charges 2.60% for swiped Visa/MasterCard/Discover transactions, 3.40% for American Express transactions, and 3.55% for all keyed-in transactions.
There is also a “Premium + Card Reader” plan that offers identical per-transaction pricing but charges $41.95 per year and includes a JAK reader. The “Premium Plus” plan costs $49.95 per year. The “Platinum + Card Reader” plan costs $69.95 per year and charges 2.40% for swiped Visa/MasterCard/Discover transactions, 3.20% for American Express transactions, and 3.35% for all keyed-in transactions. There is also a “Bank Account Transfer Fee” of $0.30 to $0.35 that likely applies whenever merchants transfer their money from their ProPay accounts to their business bank accounts. Each plan also contains single and monthly transaction limits of $500 and $3,000, respectively.

Pricing at a Glance

Pricing Model

Interchange PlusFlat Rate

Swiped Rate

2.60%; 3.40% (for Amex)

Keyed-in Rate

3.55%; 3.40% (for Amex)

Mobile Payment Rate

Virtual Terminal Rate

3.55%; 3.40% (for Amex)

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

ProPay Contract & Terms

ProPay offers an annual contract that does not typically include an early termination fee.

Contract Length

1 Year

Early Termination Fee


ProPay Setup & Support


Setup Highlights

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

Support Highlights

  • Domestic Phone Support (Business Hours)
  • FAQ

ProPay Complaints, Ratings & Reviews

ProPay, Inc. have been accredited with the Better Business Bureau since July 2000 and is currently showing a grade of “A+" with 12 complaints in the last 36 months. 6 of these complaints were related to the product or service, 5 had to do with Billing/Collections and 1 due to Delivery Issues. ProPay, Inc. resolved 5 complaints to the satisfaction of the merchant, while the remaining 7 either were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant.



A+(12 complaints)




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1 Star / 4 Reviews


Total Online Reviews


Total Online Complaints




ProPay Alternatives


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