TransPay Processing Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Moving companies, B2B, High-volume, e-commerce, mom & pop businesses.

Specializes in

TransPay Processing is a larger-sized merchant account provider based out of California specializing in payment solutions for small and medium-sized businesses. It offers decent rates and has an online gateway and virtual terminal services.

Pricing Summary

Setup Fee: $0

Monthly Fee: Undisclosed

Swipe Rate: 2.69% + $0.19

Keyed-in Rate: 3.69% + $0.19

Early Termination Fee : None

Contract Terms:

Visit TransPay Processing

Founded by Emil Billman in 1998 and headquartered in Palm Desert, California, TransPay Processing processes over $500 million a year in transactions and employs a small team of around ten employees or a little more. It mainly services smaller and medium-sized businesses with full-service payment solutions. It partners with First Data,, and Chase Merchant Services.

TransPay Processing Overview


TransPay Processing is a larger merchant account provider that processes payments for smaller and medium-sized businesses. Its pricing model is straightforward: interchange plus. TransPay Processing is a reseller of First Data and appears to use its contracts, terms, and many of its fees and rates in its daily business proceedings. TransPay Processing has a decent industry reputation, with few noticeable online complaints and almost no declarations of frauds, rip-offs, or other forms of deceit from merchants.

TransPay’s focus in the industry is mainly on smaller and medium-sized businesses, processing their payments in various ways: from online gateways and terminals to just taking debit and credit cards in person. TransPay offers various contracts and agreements and seems to be flexible, so many merchants may find them a good option for payment processing.

Quick Facts

Head Quarters

Indian Wells, CA

Year Founded



Emil Billman



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Gas Station
  • Marketing Agency
  • Moving Companies
  • Personal Service
  • Property Management
  • SAAS
  • SEO & SEM Services
  • Thrift Store
  • Web Design Services

Business Types Served

  • B2B
  • Ecommerce
  • High Volume
  • Information
  • Low Risk
  • Mom & Pop
  • MOTO
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

TransPay Processing Products & Services


Point 1: Debit/Credit Processing, Risk Management, EMV Technology

TransPay Processing offers debit and credit processing, risk management, and EMV chip technology. This is useful for merchants for many reasons, but the main one is the avoidance of risk, fraud, and chargebacks. Being able to take debit and credit cards--the lifeblood of most businesses these days, as few people pay in cash regularly--is the most crucial aspect, but not having to worry about risk and fraud makes that business able to take the cards without worrying about those factors affecting their business as much.

Point 2: Online Gateways and Virtual Terminals

For e-commerce businesses and online stores, TransPay Processing offers online gateways and virtual terminals to take cards online. This is necessary for these stores, of course, as there’s no real way to pay in cash when the transaction isn’t a physical process. The rates offered by TransPay for these services are fairly standard and aren’t astronomical or out of control. These payment methods are also secured with encryptions and other standard security measures, so merchants can be sure that their businesses are safe.

Point 3: POS Equipment and Employee Training

To take payments physically, POS equipment is usually needed from a credit card processing company. This includes things like terminals, card readers, mobile card readers, and more. TransPay Processing offers this equipment, usually on the lease as is standard in this industry, and also provides an employee training program so that your workers will know how to use this in your business. 

TransPay Processing Payment Processing

  • Chargeback & Fraud Prevention
  • Credit Card Processing
  • Debit Card Processing
  • eCheck & ACH Processing
  • EMV Processing
  • Online Payments
  • Payment Gateway
  • POS Equipment
  • Virtual Terminal

TransPay Processing Billing & Invoicing

  • Mobile Payments
  • Online Payments
  • Payment Processing

TransPay Processing Advertising & Sales

TransPay Processing mainly advertises and sells its services through independent sales agents. This normally isn't good for a merchant account provider. This means that the sales agents are motivated by pure profit and have no loyalty or interior connections. Misrepresented rates and shady sales tactics are common complaints from merchants when companies use this style of advertising. However, TransPay doesn’t seem to have many criticisms of this type about their advertising and selling, which suggest it is careful about the employees it uses and hires for this purpose.

TransPay Processing is not an ISO of any known bank, but it is a reseller of First Data,, and Chase Merchant Services. Its pricing model is interchange plus. There are minimal complaints about TransPay Processing being dishonest.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


TransPay Processing Pricing, Rates & Fees


TransPay Processing offers an interchange-plus pricing model. It is available online because TransPay is a known reseller of First Data and usually offers and sells its contracts. For those who sell under $50,000 a month, the rate is 2.69% plus $0.19 and a keyed-in rate of 3.69% plus $0.19. If you go over $50,000 a month, the quality is almost the same, with the percentage slightly reduced: 2.29% for swiped and 3.29% for keyed-in cards. 

Pricing at a Glance

Pricing Model

Flat Rate

Swiped Rate

2.69% + $0.19

Keyed-in Rate

3.69% + $0.19

Mobile Payment Rate

$25 Per Month

Virtual Terminal Rate

2.90% + $0.30

Monthly Fee


Payment Gateway Fee

Batch Fee


Early Termination Fee


PCI Compliance Fee

$19.95 Per Month

Equipment Lease Terms

48 Months (locked)

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee


Annual Fee

Monthly Minimum


Statement Fee

TransPay Processing Contract & Terms

TransPay Processing is a reseller of First Data. This means that it generally uses its contract terms when it comes to what it offers to merchants. A high early termination fee of at least $295, a $25 monthly fee, a $19.95 PCI Compliance fee, and a few other fees and rates generally apply. TransPay Processing also offers a month-to-month contract with no early termination fee for merchants who don’t want a long-term commitment. There are very few complaints about TransPay’s deals.

Contract Length


Early Termination Fee


TransPay Processing Setup & Support


Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)

TransPay Processing Complaints, Ratings & Reviews

TransPay has almost no noticeable negative online reviews or complaints anywhere. For a merchant account provider, this is quite significant. This is an industry full of deception, and companies that are usually dealing in bad faith more often than not. There are also no known lawsuits, class-action or otherwise, that involve TransPay. TransPay has a spotless record for a merchant account provider, and it seems that most merchants enjoy its services and don’t have many things to complain about when it comes to the company.





5 Stars / 1 Review


5 Stars / Based on the opinion of 4 people


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