PayCafe Logo



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LAST UPDATED: November 25th, 2019

PayCafe was founded on the principle that credit card payments should be easy, consistent, and dependable. According to PayCafe, the payment processing industry remained static for many years, to help solve this issue PayCafe combined a robust credit card payment solution, shopping cart, security, fraud protection, real-time reporting, dispute resolution systems, and 24/7/365 customer service.

PayCafe works hard on making credit card payments easier, more secure, and reliable as well as cost-effective, so business owners can focus on running their business.

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The Good

  • 24/7/365 Technical Support
  • No Need for Multiple Vendors
  • Security Is Priority

24/7/365 Technical Support

Whether there is an issue with the merchant account or a customer has a question about their payment, PayCafe offers customer support 24/7. Customer satisfaction is a top priority for PayCafe, so the company offers multiple support channels for customers to get ahold of them, such as support tickets, online chat, phone, and more.

In order to maintain its customers' security and privacy, PayCafe doesn't outsource its support team. PayCafe is based in the United States and so is its team.

No Need for Multiple Vendors

PayCafe boasts being a payments suite — so there is no need for multiple vendors for your payment processing infrastructure.

PayCafe offers clients a complete credit card processing solution; customers can accept one-time, subscription, or invoice payments. PayCafe handles all security, subscriptions, and invoicing.

Additionally, PayCafe allows its merchants to accept payments from over 190 countries. For those without a credit card, PayCafe allows payments via PayPal, eCheck, Bitcoin, and more.

Credit card disputes are common fairly common when working with online transactions. PayCafe offers to help reduce the number of disputes with detailed reporting of dispute trends, types, and customers.

PayCafe's hosting and network infrastructure is designed to eliminate vulnerabilities and improve reliability. Plus, PayCafe is continuously improving its hosting performance with monthly transparent upgrades. And finally, all merchants' shopping carts are secured with a 256-Bit SSL certificate.

Security Is Priority

PayCafe knows that data vulnerability is a problem for every business that processes credit card payments. PayCafe is a validated PCI DSS compliant service provider and doesn't store raw magnetic stripe, card validation code, or PIN block data.

All sessions require the use of a strict two-factor authentication (2FA) to gain access to PayCafe's services. To ensure PCI compliance, all data is tokenized and encoded.

On top of that, PayCafe continually reviews and observes employee, customer, and vendor activity to prevent suspicious or unauthorized activities. Automated vulnerability scans are conducted quarterly.


The Bad

  • Undisclosed Rates and Fees

Undisclosed Rates and Fees

Unfortunately, customers won't find any pricing information on PayCafe's website — and that includes information on payment gateway fees, early termination fees, PCI compliance fees, and more. However, the company does advertise that there is no setup or monthly fees. Customers interested in working with PayCafe will have to call the company for more information.


The Bottom Line

Although there is little information on pricing, PayCafe does offer similar features to other payment gateways, but the biggest plus for the company is its added emphasis on security. The industry is extremely vulnerable, and PayCafe's attempts to protect its merchants and their customer's information is admirable.

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