Segpay Customer Reviews

Segpay is a Deerfield Beach, Florida-based payment processor founded in 2005 that focuses on high-risk online merchants, including the adult entertainment, dating, nutraceutical, and subscription-based content industries. The company is registered as a Visa Internet Payment Service Provider (IPSP) and a Mastercard Payment Facilitator and supports card-not-present transactions for digital goods and recurring billing models.

The company operates internationally through a separate Ireland-based subsidiary that serves merchants in the European market. Cathy Beardsley serves as President and Chief Executive Officer. In 2025 the company marked twenty years in business.

Products and Services

Segpay provides online credit card processing, recurring billing, cascading transaction routing, multi-currency support, fraud screening, chargeback management, an affiliate tracking platform, and consumer-facing customer service for end users of its merchant clients. Supported card brands include Visa, Mastercard, Discover, and JCB, and the platform also offers ACH and select alternative payment methods.

Processing Rates

Segpay does not publish standard processing rates on its website. Pricing is custom and varies by industry vertical, transaction volume, and risk profile. Independent industry coverage indicates that effective rates for high-risk merchants on the Segpay platform commonly range from approximately four percent to fifteen percent per transaction plus a per-item fee, with the exact figure determined during underwriting.

Card Brand Registration Fees

For merchants placed in high-risk Visa and Mastercard registration categories such as adult, dating, and nutraceutical, Segpay passes through the card brand registration fees. Reporting from independent merchant-services coverage describes an annual Visa registration fee of nine hundred fifty dollars and a Mastercard registration fee of five hundred dollars for these verticals.

Reserves and Other Fees

According to independent reviews of the company, Segpay typically holds a rolling reserve of approximately five percent for the first six months of a merchant relationship. Chargeback fees, monthly minimums, and statement fees are not publicly published and are quoted during the underwriting process.

Florida Attorney General Age-Verification Action (2025)

In September 2025, the Office of the Florida Attorney General named Segpay among a group of payment service providers in an enforcement action tied to the state's age-verification statute for adult content websites. In December 2025 the office agreed to dismiss the lawsuit against Segpay, ending that particular matter without a finding of liability or a monetary settlement against the company.

Ownership/Leadership: Cathy Beardsley, President and Chief Executive Officer

Address: 220 Hillsboro Technology Drive, Suite 130, Deerfield Beach, FL 33441

Phone: (866) 450-4000

Website:segpay.com