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 Jane Walker, on Nov 05, 2013
From Lauren, on Oct 29, 2013
From Peony, on Sep 29, 2013
From Cory, on Sep 26, 2013
From Patrick, on Aug 20, 2013
Our experience thus far with PayHub has been excellent. We have been working with PayHub for approximately one month. I had held off on posting a review until I saw our first billing statement. We are on track to lower our payment processing fees by approximately 60-70%. I wish I had known about CardFellow and PayHub years ago. I would highly recommend PayHub to any prospective customers. The billing is transparent, the savings are real, and the customer service has been top-notch. It has been great working with Steve. Our transition to PayHub took minimal management time and has been extremely smooth. Thank you CardFellow and PayHub.
From Dan Shearn, on Aug 01, 2013
From the moment Steve at PayHub first got in touch after the quotes were generated, he was helpful, attentive, never pushy, patient, accommodating, and always had the answers. Switching providers was a daunting task but service like what I have received from Steve and PayHub have made it an easy and worthwhile experience. Now we are set up with with lower rates, improved hardware, and superior customer service. I highly recommend PayHub.
From Brandon, on Jul 03, 2013
Steve Arduini at Payhub helped me through every step of the application and set up of my new merchant account, making switching a snap. He continues to be extremely responsive, sometimes answering emails within minutes. But here's the bottom line: because I found CardFellow, was educated about merchant processing by Ben Dwyer, and switched to Payhub, my effect rate dropped from 3.4% to 2.5%, which for me means another $2500-$3000/year in profit. If you're thinking about switching to a CardFellow-recommended merchant processor, stop thinking about it and do it - now - and start saving money.
From Kyle, on May 29, 2013
Steve Arduini at PayHub has been helpful and attentive throughout the process. After months of difficulty with merchant processors at our previous business (a veterinary practice) working with Payhub has been a pleasure. I recommend them highly.
From Neil, on May 14, 2013
From Stacy, on Feb 01, 2013
I did a LOT of research on credit card processors outside CardFellow and within their system. I found CardFellow to be indispensable in helping me find the best rates/fees. PayHub had the best terms for my business but there were quite a few that were very close. I will definitely refer both CardFellow and PayHub.
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.
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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!