Processor Directory > Simpay

Simpay Review

Simpay is the new name for the processing company Alpha Card Services. The company is still involved in credit card processing as well as related services such as payroll.

Formerly Alpha Card Services

Simpay offers services to businesses in a number of industires, including restaurants, retailers, healthcare, and services such as salons and auto repair.

Simpay Services

Simpay offers two primary services: payment processing, and payroll. You can utilize Simpay for one or both, with the company suggesting that you may be eligible for discounted pricing when you bundle services together. Additionally, Simpay offers data breach insurance to its customers.

Simpay homepage

Payment Processing

The primary service Simpay offers is payment processing. You can take major credit and debit cards, including Visa, Mastercard, Discover, and American Express, as well as checks and gift cards. You’ll be able to take payments in multiple forms, including traditional magnetic strip cards, EMV chip cards, and contactless payments such as Apple Pay.

Simpay offers the ability to take cards in-person with traditional POS systems, online, or on the go using your smartphone or tablet, and states that most clients enjoy next-day funding of their transactions.

Simpay doesn’t offer any details on its website about equipment brands or models available nor whether equipment is purchased or leased. The company also skimps on details about ecommerce options, not listing supported gateways or shopping carts. We’ve reached out to Simpay for more information and will update this section when we know more.


If you’re looking to outsource payroll, Simpay can help. As a registered member of the American Payroll Association and the Independent Payroll Processors Association, the company promises to work with you to ensure that your staff is paid accurately and that you receive labor and payroll reports so you know what’s going on. You can establish deductions, paid time accruals, and direct deposit as well as accurately account for federal and state taxes.

Simpay also offers online 401(k) management, timeclock systems, and an HR support center.


As mentioned previously, Simpay doesn’t provide details about brands or models for equipment. The only thing referenced on its website is the Simpay tailored POS solution with a “full suite of hardware choices” allowing you to choose between tablet systems, cloud-based systems, or stand-alone machines.

The website also mentions reports that help identify top sellers and underperforming items, manage inventory, and the ability to track staff time.

We’ve reached out to Simpay for clarification on supported hardware brands and will update this section as more information becomes available.

Rates and Fees

Simpay doesn’t publish any information about pricing models or costs on its website, but that doesn’t mean you can’t find out what it will cost you. You can get a free quote to compare to other processors by using CardFellow’s quote comparison tool. There’s no sales pressure and no obligation. Try it now!

Simpay Reviews

At the time of this writing, there aren’t many Simpay reviews to speak of. The company has a Better Business Bureau profile, though the complaints refer to Alpha Card Services and not to issues with the company under the new Simpay name. Simpay also has an official facebook page, but there are no reviews available.

Better Business Bureau

On the BBB’s website, Simpay has an A+ rating despite 8 formal complaints. The complaints allege that Simpay (as Alpha Card Services) tricked unauthorized employees into signing contracts for new equipment, charged a renewal fee even after acknowledging a customer’s cancellation request, and added fees. Some reviewers complain of difficulty with equipment and unreliable staff.

With very little information from current or former clients, we’d love to hear from anyone who has used Simpay. Leave a review!


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Posted by Matthew Tae on Dec 02, 2020


They failed to file/report our taxes on multiple occasions in a timely manner. We currently have assessed late filing penalties & interest charges for which SIMPAY has refused to compensate us for even when their client services agreement says they will pay for fines & interest arising from their errors. We have it in writing from the PA Department of Labor that the taxes were not paid and the penalties assessed to us are valid.

Posted by Anh Tran on Jun 25, 2018


Please stay away from this company. I had 2 transactions where the customer used 2 gift cards to process the payments. It has been 3 days now that they put a hold on the payments. They are worried that the gift cards might be fraud related which I completely understand. But my customer has said they purchased it with cash so there shouldn’t be any problems. Now they are requesting personal info from my customers' transactions which I think is completely irrelevant. I can understand if it was a charge back and they‘re requesting the info which would be fine, but here there’s nothing wrong with the transactions. Only problem they’re claiming is because it’s a large transaction. Makes no sense to me. I’ve had other merchant services before and never had this many problems. Matter of fact I never had any problem until recently, when I did business with Simpay. Please stay away from this company. They have no idea how to run their business and customer service is horrible!

Posted by Jason Mays on May 15, 2018


Please stay away from this merchant service provider. Bad customer services and hidden contract. I didn't sign any contract with them but when I cancel the service they said I have 5 year contract. They charged me $2,000 to cancel a contract that I didn't even know about. They also charge $300 for not having chip card reader. Stay away from Simpay at all cost.

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