• Reviews new   3 web reviews new   0 verified reviews
  • Business age 10+ Years
  • Number of Employees51-250
  • Number of Customers10001-50000
  • Acquiring Bank(s)Wells Fargo
  • Processor(s)First Data, Global Payments, Chase Paymentech
  • Company Structure(s)Independent Sales Organization (ISO)

929 E. Center St.
Warsaw, Indiana 46580

Main: 574-269-0700

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Payment Processing Technologies (or just PayProTec) is a credit card processing company founded in Warsaw, Indiana. In this PayProTec review and profile, we’ll examine the company’s available services for businesses as well as PayProTec’s reviews from customers, rates and fees, and more.

Payment Processing Technologies, LLC is a registered ISO of Wells Fargo Bank.

What services does PayProTec offer?

All of the basics - credit and debit card processing, mobile solutions, and e-commerce processing. The company also provides industry-specific solutions tailored to the particular business needs within an industry.

Card processing
PayProTec provides fast credit and debit card authorizations for major cards, including MasterCard, Visa, Discover, and American Express. (American Express may require separate approval.) You can use PayProTec’s card processing services with both card-present (swiped) transactions and card-not-present (keyed) transactions.

Mobile processing
PayProTec gives you the ability to swipe credit cards on the go using your mobile device, with PhoneSwipe. Mobile processing is suggested if you frequently need to accept payments outside of a store or restaurant. Mobile processing is ideal for landscapers, moving companies, artists, delivery services, and businesses who attend trade shows or fairs to sell products and services. If that’s you, mobile processing might be the way to go.

E-commerce processing
For internet processing, PayProTec offers three gateway options: Authorize.Net, PC Charge, and Retail PC @ Advantage. Any of the gateway options can be utilized with your existing computer with internet access and a web browser.

One of the most popular gateways, Authorize.Net features a robust merchant interface to allow you to accept and review payments through your website. Authorize.Net can help you accept all major credit cards, electronic checks, and gift cards. Authorize.Net is PCI compliant and offers built-in fraud protection.

PC Charge
The PC Charge gateway supports multiple payment types, including credit, debit, and EBT cards as well as checks with check verification and conversion. A customer database allows recurring billing for charging subscriptions or monthly recurring payments. PC Charge software also supports card readers, PIN pads, and check readers that can optionally be connected by USB port.

Retail PC @ Advantage
Retail PC @ Advantage meets bank card association requirements, helping keep your processing costs as low as possible. Retail PC @ Advantage is recommended for mail order and telephone order businesses, and can provide recurring transaction billing.

PayProTec’s rates

PayProTec charges on tiered pricing, a model prohibited for certified quotes in the CardFellow marketplace due to its lack of transparency. Be aware that any published rates and fees from PayProTec may not be all of your costs.  

PayProTec publishes the following information for tiered pricing fees and rates:

Monthly account maintenance: $10
Monthly minimum fee: $25

Card-Present/Swiped transactions
Qualified rate: 1.79%
Per-transaction fee: $0.25

Card-Not-Present/Keyed transactions
Qualified rate: 2.49%
Per-transaction fee: $0.22

Additional fees may apply for certain transactions, such as Address Verification. Address Verification services feature an additional per-transaction fee; businesses that could use Address Verification but don’t use it may face a surcharge. Additionally, not all transactions will “qualify” for the rate published. Transactions that PayProTec deems “non-qualified” will incur a higher cost.

Is there a contract?

Yes - PayProTec's standard contract term is 3 years. Early termination fees up to $250 may apply if you cancel before the full term is up.  

PayProTec reviews and reputation

PayProTec has been around long enough to have some reviews available online, however the company does not currently have any reviews on Yelp or Ripoff Report. Additionally, there are no PayProTec reviews on the official company website.

However, PayProTec has been accredited with the Better Business Bureau since 2008 and currently has an A+ rating, the highest available. The BBB overview shows 10 complaints lodged against PayProTec in the past 3 years. Reviews complain of hidden costs (a near certainty with tiered pricing), annual fees, refusal to provide agreed equipment, and unauthorized debits. Only 2 of the complaints are listed as resolved to the reviewer’s satisfaction.

Do you use PayProTec? Help out other businesses and leave a PayProTec review


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PAYPROTEC has not received any verified reviews.

Web Reviews

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Don't use Payprotec

new   Posted By: Alex on 12/18/16

They use outdated tech, force compliance fees on you that aren’t even applicable to you. Their agents will say anything to get you to sign a contract with the fine print not available for reading while signing, then surprise, you have a 3 year contract or a $900 ETF. Transaction costs are 300% of industry standards.

Worst company to ever deal with

new   Posted By: Joel Doty on 09/19/16

I have a major dispute with this company – I called and left a message, a representative called me back and told me that it is common business practice for the company to charge fees 4 years after an account has be inactive. This company is the worst possible company to use for credit card processing. You are better off giving merchandise away for free than dealing with this company. For the record, I would not give them 1 star if i could leave a review that way.

Processor's response:

Dear customer,
We totally apologize for your poor experience and would love to find a common ground to rectify your situation. There are several differences between ”inactive” & ”closed” accounts in the processing space. Many merchants have inactive accounts for a season of the year only to be turned on for those times that are needed (i.e. Holidays). Closed accounts are just that, closed. These accounts cannot accrue any fees nor can they be shut off and turned on without additional underwriting and risk management. Feel free to reach out to Brian in our customer service group here at PayProTec: 800-360-2591
Best wishes,

Payment Processing Technologies

new   Posted By: CardFellow on 03/29/16

PayProTech (Payment Processing Technologies) is an ISO with a focus on its Saltsha POS system that allows retail and dining business to see customer and transnational to better recognize business flow and marketing opportunities.

Processor's response:

Thank you for this review. We take great pride in responding quickly to clients, potential clients, and the general web public. -PayProTec

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