About Pay It Forward Processing
Overview
Pay It Forward Processing is a merchant card processing company based in Cave Creek, Arizona. Renee VanHeel and David VanHeel founded the company in 2001, and it has operated since then as a privately held provider serving merchants nationwide. The company describes itself as a full-service processor with regional sales offices and a customer-service team that handles both new account setup and ongoing merchant support.
Products and Services
Pay It Forward Processing offers credit and debit card acceptance through countertop terminals, mobile readers, point-of-sale systems, and online payment gateways. The company also markets cash discount and surcharging programs that pass card-acceptance costs to the cardholder, ACH and electronic check processing, recurring billing and invoicing tools, and a partnership with Finova Capital for merchant cash advance and working capital funding.
Industries Served
The company markets to general retail and service businesses, business-to-business processors, insurance agencies, auto mechanics, and nonprofit organizations. It also runs a dedicated program for CertaPro Painters franchisees.
Every Swipe Benefits Charity Program
Pay It Forward Processing operates an affiliated giveback program called Every Swipe Benefits Charity, which directs a portion of merchant fees to charities chosen by the merchant. The company reports more than 450,000 dollars in cumulative donations through the program.
Pricing
Processing Rates
Pay It Forward Processing does not publish a standard rate card on its website. As reported by user reviews and expert content, effective processing rates run roughly 1.1 percent to 3 percent of total card volume, with the actual rate depending on card type, merchant category, and processing method. The company markets month-to-month service with no long-term contract requirement and offers a rate-match guarantee against competing quotes.
Cash Discount and Surcharging
The company offers cash discount and surcharging programs designed to eliminate or offset the merchant’s card-acceptance fees by passing those costs to the cardholder at the point of sale. Merchants enrolled in these programs may see substantially lower net processing expense, though program eligibility and posted-pricing requirements vary by state.
Equipment and Setup
Pay It Forward Processing markets free equipment placement to qualifying merchants and integrates with multiple terminal and point-of-sale platforms. Merchant accounts are administered through several back-end portals depending on the underlying processor used for the account.
Contact
Ownership/Leadership: Renee VanHeel
Address: Cave Creek, AZ 85331
Phone: (858) 771-0076
Website:pfprocessing.com
Recent User Reviews
The reliability here is unmatched. It works perfectly every time I use it. There’s never a delay or issue. I’m completely satisfied with it.