PayHub Payment Processing is a credit card processing company that places certified quotes in the CardFellow marketplace. If you’re looking for a processor so that you can start taking credit cards, or if you’re considering switching processors, read about rates and fees, services, reviews, and more.
The company is officially called First Global Merchants, LLC but does business as PayHub Payment Processing, or PayHub for short. PayHub was founded in Avon, Connecticut in 2008 and is a registered ISO of Wells Fargo Bank.
PayHub offers all of the payment processing options you’d expect from a processing company today. You’ll be able to take credit and debit cards, use mobile devices for payment acceptance, or securely take checks from customers who’d prefer not to use plastic.
Take all major credit and debit cards, including Visa, MasterCard, Discover, and more. You can also accept payments using newer technologies like digital wallets, where customers store their card information securely in their phones so they can pay without physically using their card.
If your customer is physically present with their card when they make a purchase, you can use credit card machines to take the cards. If your customer isn’t physically present at your location but is instead purchasing items online, you can set up an internet gateway for those “card-not-present” transactions. Internet payments are done through the popular Authorize.Net gateway, which allows you to integrate a shopping cart for customer convenience. Authorize.Net is PCI complaint for security. PayHub can get you set up with your Authorize.Net account for taking cards using your website.
If you want to take payments on the go, PayHub Payment Processing offers mobile processing. Use your existing smartphone or tablet as a card processing terminal by manually keying in card information or attaching an optional card swiper for swiped transactions. Encryption at the time of sale ensures customer data security.
Do you accept checks, or want to? PayHub Payment Processing provides electronic check processing services to make transactions convenient and secure. PayHub Payment Processing’s check service converts paper checks into an electronic transaction at the time of sale and deposits the funds directly into your business bank account. Electronic conversion is faster and safer than accepting paper checks, and you won’t have to make a trip to the bank.
In addition to payment services, PayHub Payment Processing has a gift card program, offers cash advances, and offers payroll services.
If you’re looking to take advantage of the popularity of gift cards, PayHub Payment Processing offers reloadable custom gift cards. You can design cards with your logo and colors for seamless branding. PayHub Payment Processing boasts quick turn around for printing and shipping gift card packages, and offers boxes and carriers as well.
PayHub Payment Processing offers cash advances against future credit card sales. Funds can be used for almost any business expenses, including expanding, purchasing inventory, marketing and advertising, buying equipment, and more. Cash advances are not loans and aren’t considered debt on your credit report, but remember that they are still a legal financial obligation. Be sure to read Should You Get a Merchant Cash Advance? if you’re considering taking an advance on your credit card sales.
PayHub Payroll is a streamlined service that provides accurate payroll and timekeeping services for your business. PayHub boasts the ability to process payroll for any time period you want, whether it’s weekly, bi-weekly, monthly, or any other time periods. PayHub debits your account and writes checks from their account for added security and to eliminate the need for reconciliations. Plus you can offer all the conveniences employees want: your employees can view pay stubs and W2s online, set up direct deposit instead of physical checks, and more. Additionally, PayHub Payroll handles tax filing requirements, including quarterly and year end requirements.
You tell us! If you’re just starting out taking credit cards, PayHub can get you set up with the right equipment for your business. It offers popular and PCI compliant brands, including Verifone, Ingenico, and Clover, and you can choose from full point-of-sale systems (popular for restaurants, grocery stores, and more) or space saving countertop terminals.
If you already have equipment, PayHub may be able to reprogram it for you so that you can keep using your preferred machine. When you request a quote from PayHub Payment Processing through CardFellow, you can also check PayHub’s inventory of supported equipment, including brands like PAX and Hypercom.
PayHub Payment Processing places certified quotes in the CardFellow marketplace, meaning you can get an instant quote. Just sign in to your CardFellow account and request a quote from PayHub to get fully disclosed pricing immediately. (Don’t have a CardFellow account yet? It’s free, private, and fast. Sign up now!
All PayHub Payment Processing quotes chosen through CardFellow come with our protections, including a lifetime rate lock, no cancellation fee, and free statement monitoring.
If you choose a quote from PayHub Payment Processing through CardFellow, there is no early termination fee.
Outside of CardFellow, PayHub Payment Processing’s standard contract is for 3 years and does have an early termination fee.
PayHub Payment Processing has been in business for close to a decade, enough time to garner a positive reputation online. The company is not currently accredited with the Better Business Bureau, but between CardFellow’s experience and the reviews available from businesses we’ve verified have worked with PayHub, the company generally seems to have few complaints.
PayHub dedicates two sections of their website to customer feedback. One section is a customer spotlight, which highlights an individual business that PayHub Payment Processing serves. The other section is customer testimonials in the form of videos and written reviews. Reviews praise the company’s straightforward rates without hidden fees, easy and profitable gift cards, simple statements, rate savings, efficiency, and attentive service. Testimonials include the review’s full name, business name, and location.
As a processor that places certified quotes through CardFellow, we have plenty of experience with PayHub and are pleased to have them in our marketplace. PayHub Payment Processing offers quotes consistent with CardFellow’s core beliefs of transparency and competitive pricing. PayHub has received 55 verified reviews through the CardFellow review system, with reviews praising PayHub’s excellent customer service, great pricing, and helpfulness reprogramming equipment. As a result of those reviews, PayHub Payment Processing has a 4.5 star rating.
Do you use PayHub Payment Processing? 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.
From david, on Dec 21, 2015
Very happy thus far with PayHub.
From Andrew, on Dec 17, 2015
From Cindy, on Aug 07, 2015
The rates are great but this company is not organized and customer service is slow and communication is very poor. We initialized set up on 3/27/15 and as of today's date 8/7/15 our account still has problems. The CC machines that we paid for were not set up according to the order and we had to ship them back more than once for additional programming. Also, the daily settlement programming was set up one way for credit and another way for debit, making the monthly statements a bookkeeper's nightmare. Finally got that straightened out. Sill waiting on the return of our second reprogrammed CC machine after starting this process weeks ago. This programming should have been done on an emergency basis with the machine being shipped back by overnight courier. Communication is terrible! We don't get updated information unless we call them. Upon calling today, we learned that our reprogrammed machine has been shipped but we will have to wait to hear back from them to get tracking information. Really? We were not notified that it had even been shipped. They don't acknowledge receipt of emails unless we call and ask if they received them. The account representative that in March said would be with us for the life of the account, no longer works for the company, so they may have employee turnover issues. If you want customer service, you better call before 2pm Pacific time because they work on East Coast time and do not offer customer service after 5pm their time. They do have after hours tech support, but they should have customer service available during business hours in all USA time zones. So far, I'll say it was the wrong decision in choosing PayHub as our provider. But I'm hoping that will change once all the programming quirks are worked out. They need to get their act together in customer service or I will be once again looking for another provider. UPDATE: We received verification that our CC machine has been shipped, but they sent it UPS Ground, so we'll get it a week from now (traveling from NJ to CA). This should have been an urgent overnight shipment! Another example of the poor quality of their customer service.
From Rita Palrecha, on Aug 05, 2015
Very responsive, transparent, and easy to work with.
From Steve Privitor, on Jul 16, 2015
First, thank you Cardfellow.com! Easy to compare the interchange rate plus offers. I do my homework and I wanted a solid company (someone I can call and get on the phone) and good rates. There were 2 companies here on CardFellow that had excellent rates. They were so close in their rates and both are solid companies, it was hard to decide. However, my deciding factor was the cancellation agreement that Payhub provides - easy to understand, not a bunch of legal language, just straight forward. Dan at Payhub has been a great help! I wanted to change over the holidays and be operational by Jan 1 for a smooth cutoff of my former processor. They got on the ball and had me up and running, everything programmed and ready to go. Later I found out that I owned my terminals and they worked with me on getting those up and going. Dan has been great to work with and made the transition much more easier that I could have expected. I'm up and running and will provide an update at the end of the month when I get my first statement. But all is great for now and my rates are cut by more than half! UPDATE: I've had Payhub for 6 months now. Everything still working great. Customer service has been exceptional. UPDATE: Audit just came back after 1 1/2 years of doing business. Rates are unchanged and they are as agreed upon. No other hidden fees.
From Milinda, on Jul 15, 2015
We've had some issues with our terminal not accepting Costco credit cards, and the customer service has not been super helpful when dealing with it. I don't like receiving paper statements AND being charged for them - there should be an option for e-mailed pdf statements.
From Jeff, on Jul 12, 2015
From Ted, on May 15, 2015
The issue I have with PayHub is that the settlement time is not 1 day and has in some cases been 3 days.View Processor's Feedback
From Karen, on Apr 29, 2015
From Jeff, on Apr 27, 2015
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Posted by marvel on Feb 22, 2018
I couldn’t be more pleased with PayHub! They were first to respond with excellent rates and personal contact, and throughout the entire process of learning how the credit industry actually works, they were very helpful in explaining the details. The switch was easy, the equipment up to date and easy to use, and again, excellent customer services throughout. I would highly recommend PayHub to anyone seeking new CC processors.
Posted by Little Scavenger on Jan 23, 2017
Thanks to Dan at PayHub I was able to keep taking credit cards for my small business! He is very helpful, professional, patient and honest. He said he could help me when others said no. Great company, reasonable fees. Thanks Dan!