PaySimple

• System Features
• PaySimple Pricing
• Customer Service

System Features

PaySimple really does have the potential to simplify things for merchants; you can accept debit card, credit card, and ACH/eCheck payments, manage customer data, generate online reporting, and automate billing all from one platform under PCI compliance. 

And it allows for unlimited customer data involving invoice billing, recurring billing, recurring payment, payment and appointment reminders, and branded online payment forms and users. 

Payment processing covers nearly any payment method including the following:

• Online payment via online storefronts, a virtual terminal, most online payment forms, and embeddable solutions
• In-person payment via swipe, key-in, or charging accounts on file for one-time or recurring payments
• Mobile payment through the PaySimple mobile app for iOS and Android 

In addition to its payment solutions, PaySimple generates reporting and business insights and offers customer marketing solutions to clients as an additional service. 

PaySimple Pricing

PaySimple's basic payment solution costs $49.95 per month plus a transaction fee starting at 2.49% per transaction and $0.60 + .20% for ACH payment/eCheck processing. 

PaySimple says it truly makes payment simple by including everything in the monthly fee with no contracts or cancellation fees. Pricing includes unlimited invoicing, free mobile app access, and unlimited customer support. 

If you process more than $50,000 per month, you may qualify for lower processing rates. There are options for larger businesses generating more sales which allow for maximum customization. This program offers a high volume discount, API development key, multiple accounts, multiple locations, customer adoption materials, a dedicated account manager, and existing merchant integration. 

Customer Service 

PaySimple has excellent live customer support via phone and email options. All PaySimple customers receive unlimited free technical support and training from a live person over the phone.

If you need help with your terminal or payment gateway, customer support can assist you. You may be able to use your current card swipe terminal, but if not, the company will get you the right equipment. 

You can take advantage of a free 14-day trial if you’re undecided about the product. 

• Possible Fees
• Rate Variance

Possible Fees

PaySimple does not charge an annual PCI compliance fee and states it offers a month to month service with no cancellation fees. However, merchants in some PaySimple reviews have mentioned that they were charged fees that surprised them, including a variable early termination fee. 

Therefore, it's of the utmost importance that you read the contract carefully and make note of any miscellaneous fees you'd need to pay under any circumstance. Furthermore, you could possibly negotiate to have some of those fees waived as a condition of the contract. Just remember to get any contract variances in writing.

Rate Variance

Keep in mind that while PaySimple provides rates on their website, they only show the lowest rate in their tiered system, so you may not qualify for the same low rates advertised. 

Additionally, PaySimple's website fails to disclose the fact that they employ downgrade fees with their qualified rate quotes.