VizyPay Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

VizyPay is best for small to mid-sized online and in-store standard risk businesses in the retail, restaurants, and e-commerce industries.

Specializes in

Vizypay specializes in processing credit and debit card and mobile payment processing for standard risk businesses in retail, hospitality, eCommerce, mobile merchants, etc. The company offers mobile payment through SwipeSimple and Internet Gateways solutions for e-commerce through and Payeezy. Vizypay also offers EMV-compatible mobile and traditional POS equipment.

Pricing Summary

Setup Fee: $0

Monthly Fee:  $15

Swipe Rate:  IC + 0.35% + $0.10

Keyed-in Rate:  IC + 0.45% + $0.15

Early Termination Fee : $0

Contract Terms:

Visit VizyPay

Vizypay is an ISO/MSP of Wells Fargo, N.A. in Walnut Creek, CA. The company resells payment processing services of First Data.

Founded in 2017, the company is currently led by its Managing Partner, Austin Macnab. Vizypay is headquartered in West Des Moines, Iowa.

The company has an interchange-plus pricing structure. Vizypay has omnichannel support, has had zero complaints in the last three years on the Better Business Bureau's (BBB) website, and doesn't have an early termination fee.

VizyPay Overview


VizyPay has established itself as a customer-focused business partner in just three years since its founding. Since its 2017 inception, the West Des Moines, Iowa-based company has had zero complaints on BBB's website and none in any online forum we researched.

VizyPay has a dedicated Support page that first organizes merchant inquiries into general versus technical and then splits them up based on services, i.e., banking, POS, or gateway. Then a further split still by vendors, such as questions broken out by and Payeezy for Gateway services. The company intuitively and proactively solves clients' inquiries online, and if that does not address their needs, merchants can call, email, or chat with their support staff.

With Vizypay, merchants can set up numerous payment channels; the obvious debit and credit card processing, traditional and mobile POS terminals, and payment gateway and virtual terminal services. The company also offers merchants loans to address working capital and liquidity needs and lets businesses easily sync Vizypay's services into their existing workflows and systems.

Quick Facts

Head Quarters

West Des Moines, Iowa

Year Founded



Austin Mac - Managing Partner



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

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

Business Types Served

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

VizyPay Products & Services


Payment Processing: Vizypay is a reseller of First Data for standard-risk merchant processing services.

Point of Sale: The company is a reseller of EMV-compatible mobile and traditional POS equipment of Clover, Blogic, and Swipesimple.

Tertiary Services: Vizypay offers Virtual Terminals through SwipeSimple. The company also provides Internet Gateways solutions for e-commerce through and Payeezy.

The company also offers working capital financing/loan options for businesses.

VizyPay Payment Processing

  • Credit Card Processing
  • Debit Card Processing
  • Merchant Cash Advance
  • Mobile Payments App
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • POS Equipment
  • Virtual Terminal

VizyPay Billing & Invoicing

  • Mobile Payments
  • Online Payments
  • Payment Processing

VizyPay Advertising & Sales

There have been no complaints about Vizypay's sales tactics or of the company misleading merchants about their terms and conditions. Based on our research of various online forums, we could not find any complaints about Vizypay of any kind.

The company does employ outside sales teams, which usually have a reputation of being more aggressive with sales targets and often may not disclose all the fine print to close a sale. Nonetheless, given the lack of complaints, we believe their staff and outside sales teams are trained sufficiently to make only factual statements with appropriate disclosure in their sales and advertising.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


VizyPay Pricing, Rates & Fees


Vizypay is a reseller of First Data for its payment processing services. The company uses an interchange-plus pricing model, and its rates are;

Swiped Rate - Interchange + 0.35% + $0.10

Keyed-In Rate - Interchange + 0.45% + $0.15

E-commerce transactions - Interchange + 0.45% + $0.15

Monthly Fee - $15/month

Account Closure Fee - $50

PCI Non-Compliance Fee - $19.95/month

Early Termination fees - none

Finally, e-commerce and online/mobile businesses are likely to incur Gateway and Terminal charges, batch fees, and technical support fees; however, we could not locate these charges of Vizypay for these services.

Pricing at a Glance

Pricing Model

Interchange Plus

Swiped Rate

IC + 0.35% + $0.10

Keyed-in Rate

IC + 0.45% + $0.15

Mobile Payment Rate

Virtual Terminal Rate

IC + 0.45% + $0.15

Monthly Fee


Payment Gateway Fee

$10-$15/month + $0.05/transaction

Batch Fee


Early Termination Fee


PCI Compliance Fee

$19.95 Per Month

Equipment Lease Terms


Address Verification Service (AVS)

Application Fee


Account Setup Fee


Gateway Setup Fee


Annual Fee


Monthly Minimum


Statement Fee

VizyPay Contract & Terms

Vizypay offers interchange-plus for payment processing with no early termination fees upon cancelation of services.

Contract length – Standard agreement through First Data is usually three years. However, the company mentions a month-to-month option on its website, so merchants should carefully review their contract's language.

Vizypay's standard agreement includes a lease for Clover POS equipment fulfilled by First Data Global Leasing, usually lasting 60 months. The company has promotional material that states they don't lease equipment, so merchants should be vigilant that such offers are explicitly built into the contract language.

Contract Length


Early Termination Fee


VizyPay Setup & Support


Setup Highlights

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

Support Highlights

  • Domestic Phone Support (Business Hours)

VizyPay Complaints, Ratings & Reviews

Vizypay is accredited with the Better Business Bureau (BBB) and has a rating of A+ with no complaints against the firm in the last three years. There are also no outstanding lawsuits or federal complaints against Vizypay at this time. It looks like that the company focuses heavily on client support and satisfaction.



A+(0 complaints)


4.8 Stars / 66 Reviews


5 Stars / Based on the opinion of 36 people




Total Online Reviews


Total Online Complaints





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