Processor Directory > Paya

Paya Review

You may know Sage from their accounting software of the same name, but you might not know that it also has a payment processing arm, Paya. (Formerly Sage Payment Solutions.) If you’re in need of a credit card processing company, here’s what you need to know about Paya’s rates and fees, reviews, services, and more.
About this processor:







Are you a Paya representative? Claim this profile



Global Payments

Acquiring Bank(s)


Chase Paymentech, BMO Harris Bank, Wells Fargo


The Sage Group was founded in 1981 in the United Kingdom, but now offers services in the United States, Canada, and other locations around the world. The US branch is headquartered in Atlanta, with the payment processing offices in Virginia. Sage Payment Solutions is a registered ISO and MSP of Chase Paymentech, BMO Harris Bank, and Wells Fargo. In early 2018, Sage Payment Solutions rebranded as Paya.

What services does Paya offer?

Paya provides basic payment processing as well as value added services like gift and loyalty card programs and business services like loans through partner Kabbage. Available payment acceptance methods include in person, via mobile device, and by mail or phone. Additionally, Paya offers electronic check processing. For debit and credit card sales, you can accept Visa, MasterCard, American Express, Discover, JCB, and Diners’ Club.

In Person Processing

Taking payments by credit or debit card in person is easy with traditional countertop terminals. Customers can use signature or PIN debit, major credit cards, and new technologies like Apple Pay or other digital wallets.

Mobile Processing

Paya has an option that lets you use your smartphone or tablet and optional card swiper to take payments when you’re away from the store. Funds are usually available within 48 hours, and you can take full or partial payments. Paya mobile processing is available for both Android and Apple devices.

Mail and Phone Processing

Taking payments by mail and phone can be done through Paya’s virtual terminal. Using a computer with access to the internet, you’ll be able to securely enter cardholder information to process transactions. Additionally, you can set up recurring billing for clients that you need to charge on a regular, set schedule.

Check Processing

Virtual Check solutions let you accept checks while turning them into electronic transactions. Electronic check conversion is secure, eliminates a trip to the bank, features lower processing costs than credit cards, and faster funding times for some transactions. You can connect a check imager to your point of sale system or use remote deposit capture with an internet-connected computer to scan checks.

Gift and Loyalty Cards

If you’d like to implement a loyalty program or sell gift cards for your business, Paya can help. Loyalty programs can be customized to create incentives that encourage repeat business. Gift cards can be customized to match your branding, or you can choose a pre-existing design.

Kabbage Small Business Loans

Paya works with Kabbage to offer loans to small businesses. Loans are available in amounts from $2,000 to $100,000. Applications are available online for faster approval.

Does Paya offer equipment?

Yes. Paya can get you set up with terminals that include features like contactless (NFC) payment and EMV chip card acceptance. The company offers Ingenico and Verifone models.

What does it cost?

Unfortunately, Paya doesn’t talk about that on its site. We can help, though. To get a quote from, all you need to do is request one right from this profile. Paya won’t get your contact information so you don’t have to worry about sales calls, and it’s completely free. If you haven’t signed up for a CardFellow account yet, you’ll need to do that before you can request a quote. Sign up only take a few minutes. You can go here to sign up.

Paya Reviews

Given Paya’s history as Sage Payment Solutions, we’re including info for both names. Sage has been around long enough to have info to go on as far as their reputation. Largely, the company doesn’t have a ton of negative reviews given their size. They have a perfect score with the Better Business Bureau, though there are complaints with both the BBB and with Ripoff Report.

Complaints about Sage with the Better Business Bureau

Sage Payment Solutions has an A+ rating with the Better Business Bureau, where it has been accredited since 2015. The company has had 38 complaints lodged with the BBB in the past 3 years – not an alarming amount by itself given Sage’s size, but only some of the details of complaints are available so it’s difficult to determine the severity of the complaints. However, in many complaints, Sage Payments responded to the complainant, and in 10 cases the complaint was marked as satisfactorily resolved. Complaint details that are available indicate issues with account cancellation, being charged after cancellation, unexpected termination fees, and unauthorized debits.

Sage in the Ripoff Report directory

As of early 2016, there are 13 reports for Sage Payment Solutions in the Ripoff Report directory, mostly echoing the complaints with the Better Business Bureau. Complaints allege that Sage continued to charge the business after the account was cancelled, that Sage uses auto-renewing contracts with cancellation fees, and that the rates are higher than other companies. Specifics about pricing problems include high set up fees and PCI non-compliance fees.

CardFellow note: Many companies charge a PCI non-compliance fee, and it can be avoided by achieving PCI compliance.

Do you use Paya? Leave a review!


Unlike general web reviews, verified reviews are posted by businesses that have chosen the processor's quote through CardFellow's marketplace, and CardFellow has confirmed with the processor that the business is using its service. Businesses can update verified reviews at any time to ensure the review accurately reflects the processor's performance over time.

There are no verified reviews for this processor

Unlike verified reviews which are validated by CardFellow, web reviews can be submitted by anyone viewing this profile. While we validate these reviews as best we can, CardFellow does not verify that a reviewer is using or has used a processor's service.

Do you Know this processor? Write a review about it

Write a Review

Posted by Don on Jul 16, 2018


Do not do business with this company. I used them for several years and decided to close my account after having several issues that I should never have had to deal with over charges, mostly PCI compliance charges even though my contract states I do not pay them. Four months later they are still taking money for my account. They continually say I never closed my account or that they did not receive some sort of paperwork when they certainly have. The reps are rude and will call you a liar when you inform them of the dates you communicated with them last, among other things. They do not answer the phone, you must always leave a message and have them return your call if you'rr lucky after 5-10 messages they will. They have ripped me off for well over $100 bucks so far. Be warned this company is as crooked as the day is long.

Posted by Ryan Byes WatchPoint Surveillance on May 31, 2018


Absolutely atrocious service, endless hidden fees, and over priced processing percentages. I strongly recommend you avoid doing business with this company. Total trash CC processing company. Extremely happy since I switched to Heartland. Sage payment service wasn't great but the new "brand" Paya is awful.

Posted by Peter Gregory on Jan 08, 2018


Intolerably horrible customer service. Switching out ASAP. Had fraud hits against account and can't reach for 3 days??? What kind of modern company works like this???

Posted by Pauline Mulcahy on Jan 10, 2017


I have cancelled by fax multiple times and spent countless hours on the phone. They conveniently never seem to receive my fax despite the fact I have transmission results. They change your rates and auto-renew without your authorization. DO NOT, I REPEAT DO NOT, USE THIS COMPANY! I hope someone opens a class action against them.

Posted by Mark W on Jan 04, 2017


We cancelled via fax, have zero charges going through their processing and they still charge our bank for processing fees. They'll charge us again next month also, because this is within the 60 day cancellation. At no time did anyone tell us we will be charged the whole time we're waiting through their cancellation period. This is not fair. We are being charged to stop using their service. There should be a law against this.

Want to use the numbers? Register now and access all the features! Sign Up Now!