SignaPay Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

SignaPay is best for small to mid-sized businesses for both low and high-risk businesses

Specializes in

SignaPay offers payment processing services to the restaurants, retail, hospitality sector, and professional services businesses. The company also caters to high-risk clients. The company mentions on its website that it offers 24/7 support in both English and Spanish. The company also offers POS equipment, mobile card readers, and an easy-to-integrate payment gateway suite that combines virtual terminal, hosted payment webpage, invoice management, and PCI encryption into a single solution.

Pricing Summary

Setup Fee: $0

Monthly Fee: Undisclosed

Swipe Rate: 1.00% - 4.99%

Keyed-in Rate: 1.00% - 4.99%

Early Termination Fee : Up to $495

Contract Terms:

3 Years
Visit SignaPay

SignaPay is an ISO/MSP of multiple partner banks, including Chase Merchant Services, Citizens Bank. Providence, Rhode Island, Esquire Bank of Garden City, New York, Elavon, the Canadian branch of U.S. Bank, N.A., and Wells Fargo Bank, N.A., of Concord, California,

Founded in 2006, the Irving, TX-based SignaPay is headed by founder and CEO John Martillo.

SignaPay Overview


SignaPay was founded in 2019 by John Martillo, the current CEO. SignaPay is headquartered in Irving, TX. The company offers merchant account solutions for low and high-risk businesses and is a reseller of payment processing for Chase Merchant Services, TSYS, Priority Payment Systems, and First Data. Signa has also partnered with Clover Dejvoo, Mynt, and Pax for POS equipment.

SignaPay also offers a service called PayLo that lets merchants offer a cash discount to cash-paying customers. Alternatively, it's a surcharge for card-paying customers. Such iterations and product launches have started to gain popularity within the payment processing industry, allowing merchants to start testing new pricing mechanisms with their clientele.

SignaPay has been accredited with the Better Business Bureau (BBB) since 2008, which gives the company an A+ rating. There have been ten complaints about SignaPay in the last three years and six in the previous twelve months. Nearly all complaints mentioned that the company charged merchants excessive or hidden fees.

Quick Facts

Head Quarters

Irving, TX

Year Founded



John Martillo



Merchant Provider Risk Tolerance

What We Like

Features integrated payments platform

Full line of EMV-compliant terminals

Interchange-plus pricing available

Low complaint volume

What We Don't Like

Uses independent sales agents

Long-term contract with early termination fee

Direct customer support limited to business hours

Industries Served

  • CBD & Hemp
  • Cigars & Tobacco
  • Clothing & Apparel
  • Convenience Store
  • E-Cigarettes / Vape
  • Electronics
  • Gaming
  • Gas Station
  • Healthcare
  • Legal
  • Marijuana / Cannabis
  • Medical
  • Moving Companies
  • Personal Service
  • Restaurant / Bar
  • SAAS
  • SEO & SEM Services
  • Smoking Accessories
  • Telemedicine
  • Thrift Store
  • Web Design Services

Business Types Served

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

SignaPay Products & Services


Payment Processing: SignaPay resells payment processing services for low and high-risk businesses for Chase Merchant Services, TSYS, Priority Payment Systems, and First Data.

Point of Sale: The company resells EMV-compliant mobile and traditional POS equipment of Clover Dejvoo, Mynt, and Pax.

PayHub+: A one-stop-shop for Gateways solutions offering and an easy-to-integrate solution that combines virtual terminal, hosted payment webpage, invoice management, and PCI encryption.

PayLo: Let's merchants apply a surcharge to purchases paid via a card, or conversely, apply a discount to customers paying in cash.

SignaPay Payment Processing

  • Credit Card Processing
  • Debit Card Processing
  • EBT Acceptance
  • Gift & Loyalty Program
  • High-Risk Industries
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • POS Equipment
  • Virtual Terminal

SignaPay Billing & Invoicing

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

SignaPay Advertising & Sales

There have been complaints about SignaPay sales tactics, and almost all complaints revolve around excessive fees and hidden charges. The company hires outside sales teams, usually associated with complaints lodged against SignaPay, aggressive sales tactics, and don't always disclose all costs, which then surprise merchants come billing time.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


SignaPay Pricing, Rates & Fees


SignaPay resells payment processing services of various vendors. Below are three for which we found pricing information;

First Data

  • Contract term – Three years

  • Renewal term – Auto-renewal for one year

  • Early termination fees – $495

  • Annual fee – $99

  • PCI compliance fee – $99

  • IRS reporting fee – $2.95/month

  • Monthly minimum – none specified

Priority Payment Systems

  • Contract term – Three years

  • Renewal term – Auto-renewal for one year

  • Early termination fees – $495

  • Annual fee – $89

  • PCI compliance fee – $99

  • IRS reporting fee – $2.95/month

  • Monthly minimum – $25/month


  • Contract term – Three years

  • Renewal term – Auto-renewal for one year

  • Early termination fees – not available

  • Annual fee – not available

  • PCI compliance fee – $6/month

  • IRS reporting fee – $2.95/month

  • Monthly minimum – not available

Merchants may also incur fees for gateway charges, batch fees, and technical support fees through SignaPay. Since companies may be using independent sales agents, some rates and prices may vary depending on the type of the business, the number of transaction volumes, and the merchant's negotiation skill.

Pricing at a Glance

Pricing Model

Interchange PlusFlat Rate

Swiped Rate

1.00% - 4.99%

Keyed-in Rate

1.00% - 4.99%

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

$99 Per Year

Equipment Lease Terms

48 Month (locked)

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee


Annual Fee


Monthly Minimum


Statement Fee

SignaPay Contract & Terms

SignaPay is very transparent regarding their contract terms. The company resells merchant processing of numerous vendors, all of which have three-year agreements with one-year auto-renewals. Both First Data and Priority have early termination fees of $495. Although TSYS has not disclosed details of early termination fees, merchants should carefully review the terms of any agreement offered.

Merchants should carefully review any non-cancelable long-term equipment lease agreement language in their contract with SignaPay for POS equipment.

Contract Length

3 Years

Early Termination Fee

Up to $495

SignaPay Setup & Support


Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)
  • Offshore Tech Support (After Hours)

SignaPay Complaints, Ratings & Reviews

We could only find ten complaints against SignaPay on the BBB website and a handful of similar complaints about sales and hidden charges on various online platforms. There was a lawsuit filed against SignaPay in 2015; however, it did not involve customer complaints. Instead, the case was filed by one of SignaPay's payment processors, Priority Payment Systems.

The plaintiff alleged that the defendant stole trade secrets after accessing Priority's client management system.



A+(10 complaint)


3.4 Stars / 20 Reviews




5 Stars / 1 Review


Total Online Reviews


Total Online Complaints




SignaPay Alternatives


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