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.
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.
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.
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.
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.
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.
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.
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.
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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.
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.
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.
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Posted by Troy Duran on Jun 07, 2019
Paya sent me a 1099(k), resulting in the IRS claiming under-reported income, as I also received 1099(k) forms from my actual customers. Attempting to remedy this issue with Paya was a two hour nightmare, and I finally called 'Virtual Terminal' support asking for a simple report for that tax year. Their response: $55 per hour fee, and 10-15 days.
Posted by Golden Hills Dental on Apr 10, 2019
Our practice switched all our recurring and automated patient card transactions to Sage Paya and we couldn’t be more thrilled with our experience. Sage Paya was extremely helpful in teaching us how to setup their system to work for us. I have never encountered such amazing and thorough customer service. They as a company go the extra 10 miles for us to make sure we get what we are looking for. Travis Padilla at Sage is top notch and he has earned a merchant for life.
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.