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Real humans. Real solutions. Fast approvals for high-risk and low-risk merchants.
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1,000+
Active merchants
~30 min
Average response
4.8/5
Satisfaction
Frequently Asked Questions
Everything you need to know about PAYSYS payment processing services.
Getting started is easy! Simply fill out our online application form, which takes about 5 minutes. You'll need basic business information including your business name, contact details, industry type, and estimated monthly processing volume. Once submitted, you'll receive a response within 24 hours. Our approval rate is 99%, and most merchants can start processing payments within 24-48 hours of approval.
To apply, you'll need:
- Valid government-issued ID (driver's license or passport)
- Business Tax ID/EIN or Social Security Number
- Business bank account information
- Voided check or bank statement
- Business license (if applicable)
- Processing history (if you've accepted payments before)
- Website URL (for online businesses)
Don't worry if you're missing something – our team will guide you through the process.
Most applications are reviewed and approved within 24 hours. High-risk applications may take up to 48 hours for thorough review. Once approved, we'll ship your equipment (if needed) and have you processing within 2-3 business days. Need it faster? We offer expedited setup for urgent situations.
Yes! We specialize in high-risk merchant accounts and have a 99% approval rate. Many of our clients have been declined by Square, Stripe, or PayPal. We work with businesses that other processors won't touch, including adult entertainment, gaming, nutraceuticals, and more. Even if you're on the TMF/MATCH list, we may still be able to help.
Our rates vary by industry and risk level:
- Low-Risk Industries (restaurants, retail, e-commerce): 2.5% + 10¢ per transaction
- High-Risk Industries (e-learning, supplement): Starting at Int + 2.5% + 15¢ per transaction
High-volume merchants qualify for discounted rates. Contact us for custom enterprise pricing.
No. We believe in complete transparency. There are:
- No setup fees
- No annual fees
- No early termination fees
- No PCI compliance fees (included)
You only pay the per-transaction rate. That's it.
No monthly fees for our standard merchant accounts. You only pay when you process transactions. Some premium features (like advanced analytics or multi-location management) may have optional monthly fees, but these are clearly disclosed upfront.
Yes! Merchants processing over $50,000/month qualify for volume discounts. Rates can go as low as 2.5% for high-volume, low-risk businesses. Contact our sales team for a custom quote based on your processing volume.
Our rates are competitive for low-risk businesses, but we also accept high-risk industries they don't. Unlike Square and Stripe, we offer:
- High-risk merchant approval
- Dedicated account managers
- 24/7 phone support
- No account freezes or holds
- Transparent pricing with no surprises
A high-risk merchant account is designed for businesses that traditional payment processors consider too risky due to industry type, high chargebacks, high ticket amounts, or international sales. High-risk industries include adult entertainment, gaming, nutraceuticals, travel, and more. These accounts have slightly higher rates but provide stability and approval where others won't.
We specialize in these high-risk industries:
- Adult entertainment and content
- Gaming, esports, and gambling
- Nutraceuticals, pharma with prescription and supplements
- Travel and timeshares
- Debt collection services
- Tech support and telemarketing
- Subscription and membership service
Yes! We're one of the leading processors for adult entertainment. We offer:
- Discreet billing descriptors
- Age verification integration
- Chargeback mitigation tools
- Specialized fraud prevention
We handle adult websites, content creators, cam sites, adult stores, and more.
Being on the MATCH (Member Alert to Control High-Risk) list or TMF (Terminated Merchant File) doesn't automatically disqualify you. We review each case individually. Many merchants successfully process with us despite past issues. We'll need details about why you were terminated and evidence that issues have been resolved.
We offer a complete range of POS terminals:
Clover Systems:
- Clover Duo (dual screen, all-in-one)
- Clover Mini (compact countertop)
- Clover Flex (mobile handheld)
- Clover Solo (simple countertop)
- Clover Kiosk (self-service)
- Clover Kitchen Display
Dejavoo Terminals:
- Dejavoo QD2 (5.5" touchscreen)
- Dejavoo D1 (compact terminal)
NRS Terminal (enterprise-grade)
Visit our device catalog for detailed specs and pricing.
Prices range from $499-$1,299 depending on the device:
- Dejavoo D1: $899
- Clover Flex: $699
- Clover Mini: $899
- NRS Terminal: $1,199
- Dejavoo QD2: $499
- Clover Duo: $2,299
- Clover Solo: $1,899
We also offer lease options and free equipment programs for qualifying merchants (based on volume).
In many cases, yes! We integrate with popular POS systems including:
- Shopify POS
- TouchBistro
- Aloha
- Micros
- Lavu
- and much more.
Contact us to verify compatibility with your current system.
Yes! Merchants processing $20,000+ per month may qualify for free equipment. We offer:
- Free terminal placement programs
- $0 upfront cost
- Equipment included with processing
- Trade-in programs for old equipment
Eligibility depends on your industry and volume.
Clover Duo:
- Dual screens (14" merchant + 7" customer)
- Full POS system with inventory management
- Best for: Full-service restaurants, retail stores
- Price: $2,299
Clover Mini:
- Single screen (compact)
- Basic POS functionality
- Best for: Small cafes, service businesses, mobile use
- Price: $899
Both accept EMV, contactless, and traditional cards. Duo is more powerful for complex operations.
Yes! We provide complete e-commerce payment gateway solutions including
- Shopping cart integration (Shopify, WooCommerce, Magento, BigCommerce)
- Hosted payment pages
- Custom API integration
- Mobile-optimized checkout
- One-click payments
- Subscription billing
We integrate seamlessly with:
- Shopify
- WooCommerce (WordPress)
- Magento
- BigCommerce
- 3dcart
- Volusion
- PrestaShop
- OpenCart
- Custom websites (via API)
Absolutely! Our platform supports:
- Monthly subscriptions
- Weekly billing
- Auto-ship programs
- Payment plans and installments
- Trial periods
- Subscription management dashboard
Perfect for SaaS, membership sites, subscription boxes, and more.
Yes! We process payments in multiple currencies and from international customers. Features include:
- Multi-currency support (USD, EUR, GBP, CAD, AUD, and more)
- International credit cards
- Dynamic currency conversion
- Global fraud protection
- International bank settlements
From approval to processing:
- Account approval: 24-48 hours
- Equipment shipping: 2-3 business days
- Online gateway setup: Same day
- Training and testing: 1 hour
- Total time to first transaction: 3-5 business days
Need it faster? We offer same-day setup for urgent situations.
Not necessarily. We offer:
- No-code options: Pre-built plugins for Shopify, WooCommerce, etc. (5-minute setup)
- Low-code options: Hosted payment pages you can link to (10-minute setup)
- Developer options: Full API for custom integration (1-2 days with developer)
Our support team assists with all integration methods.
Yes! We provide:
- Sandbox/test environment
- Test credit card numbers
- Full API testing
- Test transactions with no fees
- Training on test account
Test as much as you need before processing real transactions.
Every new merchant receives:
- One-on-one onboarding call
- Complete training on your POS/gateway
- Written documentation and video tutorials
- Access to 24/7 support
- Dedicated account manager
- Ongoing training as needed
We don't just set you up – we ensure you're comfortable and successful.
Yes. We are PCI DSS Level 1 compliant – the highest level of payment security. This means:
- Your customer data is secure
- We meet all card brand requirements
- Regular security audits
- Encrypted transactions
- Tokenization of sensitive data
Your PCI compliance is included at no extra cost.
Our multi-layered fraud protection includes:
- Real-time fraud scoring
- Address Verification System (AVS)
- CVV verification
- 3D Secure authentication
- Velocity controls (transaction limits)
- IP geolocation
- Device fingerprinting
- Machine learning fraud detection
You can customize fraud rules for your business.
Chargebacks happen, but we help you manage them:
- You receive instant notification
- We provide all transaction details
- You have 7 days to respond with evidence
- We submit your response to the bank
- Bank makes final decision (30-60 days)
We also offer chargeback prevention tools and insurance programs for high-risk industries.
Yes! Our chargeback protection includes:
- Real-time alerts before chargebacks are filed
- Evidence submission assistance
- Dispute management tools
- Representment services
High-risk industries (adult, nutraceuticals) can add enhanced protection.
Standard funding timelines:
- Next-day funding: Transactions batch at midnight, funds arrive next business day
- Same-day funding: Available for qualifying merchants (requires approval)
- 2-day funding: Standard for new merchants (first 30-90 days)
Most merchants upgrade to next-day funding after establishing history.
Your first payout typically occurs next day funding after your first transaction. This allows time for:
- Transaction settlement
- Initial fraud screening
- Account verification
For most low-risk merchants: No rolling reserves.
For high-risk merchants: We may hold a small reserve (5-10%). This is:
- Used only to cover potential chargebacks
- Lower than industry standard
We aim to minimize or eliminate reserves whenever possible.
Yes! We support:
- Split funding to multiple accounts
- Different accounts for different locations
- Scheduled transfers
- Custom split percentages
Perfect for multi-location businesses or franchise operations.
We provide comprehensive support:
- 24/7 phone support: Real humans, no bots
- Dedicated account manager: Your direct contact
- Live chat: Instant messaging support
- Email support: Response within 2 hours
- Technical support: For integration and setup
- Emergency support: For critical issues
You'll never be left without help.
Yes! Every merchant is assigned a dedicated account manager who:
- Knows your business and needs
- Handles rate negotiations
- Assists with issues
- Provides business advice
- Available via phone/email
- Proactively monitors your account
You're not just an account number – you're a partner.
Our 24/7 support team is available for:
- Transaction issues
- Terminal problems
- Emergency account issues
- Technical difficulties
- After-hours assistance
Call, email, or chat anytime – we're always available.
Always! We pride ourselves on human support. While we have an AI chat assistant for quick answers, you can always:
- Call and speak to a real person immediately
- Request a call from your account manager
- Schedule a call at your convenience
- Get personal, customized assistance
No phone trees. No waiting. Real people who care.
Yes! We offer complete restaurant payment solutions:
- Tableside payment devices (Clover Flex)
- Kitchen display systems
- Online ordering integration
- Delivery service integration (DoorDash, UberEats, Grubhub)
- Split check functionality
- Tip management
- Menu management
- Inventory tracking
Rates start at 2.5% + 10¢ per transaction for restaurants.
Absolutely! Perfect for retail:
- Countertop POS terminals
- Inventory management
- Barcode scanning
- Customer loyalty programs
- Multi-location support
- E-commerce integration
- Buy online, pick up in-store (BOPIS)
We process for boutiques, grocery stores, specialty shops, and more.
Yes! We specialize in e-commerce:
- No physical store required
- Virtual terminal for phone/email orders
- Shopping cart integration
- Digital product delivery
- Subscription management
- Drop shipping support
Many of our merchants are 100% online.
Yes! We offer hospitality-specific features:
- Pre-authorization holds
- Multi-currency processing
- PMS integration (Opera, Cloudbeds, Mews)
- Guest folio management
- Resort fee processing
- Deposit handling
- Vacation rental payments
Rates start at 2.5% + 10¢ per transaction for hospitality.
Yes! We offer special rates for 501(c)(3) organizations:
- Donation processing
- Recurring donation programs
- Event ticketing
- Membership dues
- Fundraising campaigns
- Grant-compliant reporting
Competitive rates for qualified non-profits.
Yes! Our mobile solutions include:
- Mobile card readers (works with iPhone and Android)
- Smartphone payment apps
- Tap-to-pay on phone
- QR code payments
- Email/SMS invoicing
- Mobile dashboard
Perfect for mobile businesses, service providers, and on-location sales.
Yes! Our merchant app lets you:
- Process payments anywhere
- View transactions in real-time
- Send invoices via email/SMS
- Manage your account
- Generate reports
- Contact support
Available for iOS and Android.
Absolutely! Clover Flex is perfect for:
- Food trucks
- Mobile salons
- Home service businesses
- Delivery services
- Pop-up shops
- Trade shows
- Farmers markets
It has WiFi, 4G, and long battery life for all-day use.
We perform a soft credit inquiry during application (doesn't affect credit score). We don't report your processing activity to credit bureaus, but payment for services must be made on time.
Yes! Many businesses have multiple accounts for:
- Different business entities
- Multiple locations
- Separate products/services
- Different sales channels
- Risk diversification
We can set up and manage multiple accounts under one dashboard.
We support:
- US Dollar (USD)
- Euro (EUR)
- British Pound (GBP)
- Canadian Dollar (CAD)
- Australian Dollar (AUD)
- Japanese Yen (JPY)
- Swiss Franc (CHF)
- And 100+ more currencies
Multi-currency processing requires international merchant account.
Easy! Contact us:
- Phone: (888) 315-0002 Ext. 102
- Email: sales@paysys.us
- Online Form: Contact Us
Response time: Within 1 hour, usually faster.
Still have questions?
Can’t find your answer? Our team is here to help.
Call Us
(888) 315-0002
Email Support
support@paysys.us