Processor Directory > Leap Payments

Leap Payments Review

Leap Payments is a processor founded in 2009 in California. The company serves merchants of all sizes in the United States and in Canada (as Zomaron Merchant Services), offering a range of processing solutions. Leap Payments is a registered ISO and MSP of Elavon, US and utilizes Elavon's 24/7 customer support. Leap Payments has a large client base consisting of wineries, and it operates a DBA named Winery Payment Solutions that targets this niche.


Leap Payments provides a range of services for merchants, include card processing, gift cards, checks, and online processing. Leap Payments offers credit card terminals for point-of-sale transactions, and virtual terminal options for internet and mobile transactions.

Card Processing

Leap Payments provides card processing for all major credit and debit cards, including Visa, MasterCard, Discover, and American Express. Leap Payments also offers optional next day funding for merchant accounts so that you’ll get your funds fast. Next day funding has an additional monthly fee of $9.95 or less, depending on processing volume.

Gift Cards

For merchants who would like to offer gift cards for sale, Leap Payments has a gift card solution. 50 standard gift cards come free with every new merchant account.


Leap Payments offers merchants the ability to process checks electronically. Leap Payments’ optional check guarantee helps take away the uncertainty of bounced checks and ensures merchants get paid quickly.

Online Processing

For online transaction processing, Leap Payments offers Converge virtual terminal with the ability to accept major credit cards, including Visa, MasterCard, Discover, and American Express. Merchants can also set up recurring payments, such as monthly subscriptions. The virtual terminal integrates easily with your website’s shopping cart. Merchants can optionally use a USB credit card swiper to get a lower swiped card processing rate.

Converge uses tokenization for added security and to protect customer data and help prevent fraud.

Converge can be accessed from any computer with internet or a cell phone with a browser, increasing the number of locations where merchants can take payments.

Leap Payments has a number of industry-specific solutions available, for the following industries:

  • Retail
  • Restaurant
  • Medical
  • Legal
  • Accounting
  • Construction

Industry-specific solutions are tailored to the needs of the particular industry, and can be further tailored to your specific business needs.


Leap Payments has two different pricing options. The company offers interchange plus pricing for merchants, regardless of volume or transaction type. For merchants who process a majority of card-present transactions, Leap Payments offers tiered pricing to provide a fixed rate for each card type.

Leap Payments boasts no startup fees, statement fees, or compliance fees.


Leap Payments boasts 24 hour a day, 7 days per week support. Support is provided in part through partner Elavon.


Leap Payments offers credit card machines for purchase with merchant accounts. For customers who don’t want to buy a machine outright, Leap Payments rents terminals at low monthly rates. Leap Payments currently offers the following terminals:

Ingenico iCT250
VeriFone Vx520

Hypercom T4220
VeriFone Vx510/570IP

Dial Only
Hypercom T4210
Hypercom T4205
VeriFone Vx510/510LE
VeriFone VX570

Ingenico iWL 250
Hypercom M4230
VeriFone Vx610
Nurit 8020

Features vary by model, but may include built-in printers, integrated PIN pads, support for credit, debit, and gift cards, ability to process voids, refunds, and tips, EMV-capability, and more. Additionally, Leap Payments has a rating system on their website, grading the available terminals on several key factors like speed and reliability.

Contract Terms

Leap Payments doesn’t specify standard contract terms. The company does offer seasonal downtime for some merchants, and offers a 3-month trial period for merchants.

For qualified merchants who process over $10,000/month but are in an existing contract with another company and subject to an early termination fee, Leap Payments will pay your early termination fee.


Leap Payments has been accredited with the Better Business Bureau since 2009 and currently has an A rating, the highest available. The company has had 3 complaints closed with the BBB in the past 3 years, with only 1 in the past 12 months. 2 complaints are in the "Billing/Collection Issues" category, and the other 1 complaint is in the "Problems with Product/Service" category.

The complaints allege that the company continued to charge a monthly fee after cancellation, and used deceptive business practices in not explaining contract terms. All complaints are listed as resolved with assistance from the BBB.

Leap Payments does not have reviews on Yelp! or Ripoff Report, and there is little negative information online about the company.

Leap Payments has a section for customer testimonials on their website. Reviewers praise the company’s helpfulness, next-day funding, great cost savings, ease of switching from another processor, and transparency. There are dozens of testimonials available, and all reviews include the reviewer’s name and the company name.

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Posted by Aden on Apr 24, 2019


Leap Payments commit fraud and charged us fees above what we agreed to. We recorded all calls and emails with them and will be pursuing legal action.

Posted by Carrie Mikesell on Jan 02, 2019


Not a good experience at all! The rates were not properly explained in writing or over the phone, hidden fees and an annual fee that I was never told about. When I called about the excessive fees taken out I was told to do business elsewhere! Now that I have moved the are charging me a MTOT disc. Ridiculous!

Posted by John Wooten on Jul 23, 2018


Leap Payments has been one of the best companies I have ever used. We have been accepting credit cards at our lodge for 15+ years, but never received the level of service like we have from Leap.