PaySimple Customer Reviews

Contracted with PaySimple to setup ecommerce for a new business – from the start, it was anything but simple. The process involved an odd security clearance involving 4 different subvendors, including one that was clearly a lone individual placing phone calls from a small town in Arkansas. One month in, a different company (PaySafe) started charging a monthly fee for enrollment, but didn’t respond to multiple email replies asking for an invoice or details or a ticket. Finally, we responded to an automated email threatening collection by asking us to call customer service (another subvendor) who directed us to another ticket system for closing the account and cancelling the bogus charge. As best I can tell, PaySimple is just a sales channel for a collection of varied payment processing component vendors – a middle man “service” that creates no value. All of those layers combined with an inability to reply to phone calls or emails for months on end helped me realize that I didn’t want any customers to deal with this payment processing either and I’m glad we cancelled only a few months in.

My company cancelled its service with PaySimple a year ago. They have continued to bilk us for $90.90/mo for PCI Non-Compliance. We aren’t even in business anymore. We have received email confirmations from SEVERAL members of their team assuring us that the account was closed, blaming the portal that was hooked up to PaySimple that we also closed accounts with. Zero accountability and total inaction is what you are in for with this processor. AVOID!

Scammers stay away, they will charge your account even if you don’t do any transactions very hard to cancel service. Stay away.

I was a Paysimple customer for over 6 years and used and paid for your services. I recently reviewed my statements and noticed I have been charged for this PCI non compliance fee for over 3 years. This fee ranged from 24.95 to 39.95 per month. I had no idea what this fee was and never was told what to do to remove this fee- for 3 years. I only called about the fee and to cancel my account was I told what the fee was and what to do to remove it- which only took 1 minute.

This company has a responsibility to notify small businesses of the fees they are being charged and what to do (if there is a step that needs to be done) to remove this fee. I was not given that courtesy and you had 3 years to do it! This is bad business practice and fraudulent to charge a small business this fee without giving them a chance to rectify it. The BBB will be contacted.

I contacted customer service to get these fees refunded and I was only granted one month out of 3 years! I received emails back from customer service with no support. I called for a 2nd time on 11/ 9/21 and asked to speak to a supervisor . I talked to Chris and he said Sammy (Samantha) Richards would call me back and she never did. But I received an email from customer service to say there would be no refund. You have the WORST customer service of any company I have worked with and paid for, for that matter. You think that emailing is going to close the issue?

I called a 3rd time on December 14th and spoke directly with Sammy Richards, she refused to help me. She refused to transfer me to her supervisor and refused to give me legal counsel’s name and contact information. What a joke of a company

Paysimple has been anything but simple. To start with, they are incapable of adding a seperate mail to address for USPS delivered mail. INCAPABLE. So, now the hard copy statements get delivered to my open mailbox, waiting to be stolen, instead of my secure PO Box. This was the original objection I had, which I thought we had got past. Guess not. After receiving said statement, I reach out to customer service. They send me a 4 page request form to change the mailing address, something that should have been available to begin with. The option of registering for opting in to electronic statements is in the email, super, I’ll do that. Only to find it is impossible to locate this option on the management website. Then just to cause me more grief and work, I receive repeated requests for PCI compliance crap that has been done since I enrolled. This company/service has great promise if they get their act together but as is stands I spend my time managing them than I do making money through them. Sure, they get me my money, but my previous processor was basically hands off. Anyone else have this experience or am I just unlucky?

Terrible that they approved me to process transactions. Then made the decision to hold my funds for 90 days.

Paysimple charges are way to high, out of line, would never use again. Cheaper to take a cab and go pay the bill. Don’t waist you money, try something else, anything else.

Hi I delt with Steven Graham, he’s one of those people that want to hold you back from succeeding in life. Try’s to find dirt on you to not get approved. It took 3 weeks to review my file. I had to call him everyday to follow up with him. I hope no one has to deal with him. Negative person, bad intentions.

Terrible company. They hold on to your money WAY too long. Poor customer service. Feels like a one person operation

Buyer beware. PaySimple is a scam. PaySimple told me it would cost 2.39% per transaction but after all these random fees it ends up being 15% of my income every month. Even better is PaySimple says once a fee has been charged a refund is impossible. Paysimple is a huge scam.

Bad Choice! This company will let their processors suck the precious life out of your small business. Draconian terms only benefit them. Don’t be fooled!

I’m so sorry I didn’t see these reviews before signing up with Paysimple. They are holding 34,000.00 of our money for no reason or warning. We get a different answer every time we call their award winning support team. their go to answer is ” I don’t know “. I’m afraid I will have to pursue legal action against them, we have no choice. This company should not be allowed to be in business, they do nothing that they’re paid to do. I have been in business over 20 years and never came across a company this bad. What they have done to us is criminal behavior.

Hi

i used paysimple for my online business and everything was fine until i received one dispute. One dispute ruined everything. Paysimple has got my fund on hold which is about $5000 and when i try to get in touch with paysimple for knowing more about dispute and how can i fight it back they never have straight answer to my question and say my payment processor is NAB and asks me to contact them then when i contacted NAB they said they have no details about dispute and i should contact global payment for chageback info and since then i am wondering around. 2nd thing from the hold amount i tried to refund some customers and when i refunded from paysimple portal by logging in , my customers received the refund but paysimple didn’t refund from holding amount but refunded from my bank account and still they are holding $5000 so now i m in lose of more 1500 which i refunded. Now i need to know how long will it take when they release the fund they are holding with them.

This company is horrible. The very first day that I use them, they freeze my accounts. If you like getting paid for your work, do not use PaySimple!

Paysimple is a bit of a sham company that brings you in with promises of quick easy processing then turns you over to a bank that does the processing and the bank will charge your customers then withhold funds from you. This is just another scam operation with pay simple signing you up and skimming off the top of your funds which both they and the bank collect immediately, them holding your funds from you. I have done business with many processors and still do in my other businesses, the reason I chose this company is because of the recurring payment program and right now my customers are getting charged but my funds are being with held. I would recommend you do not do business with this company if you want to get paid. They are a rip off

Do NOT use PaySimple. I requested to be approved for $X per transaction. I was clear that all deposits would be this amount. I was told this was fine and we arranged for 50% of our yearly billing to be set-up. Once we began transactions, I was told the PaySimple rep that I had originally spoken with had advised underwriting that our clients payments would be 12.5% of what they actually would be. I was told their processors could not underwrite our larger amount. I was then told that they would find another underwriter that would be able to do this. Next, while I was gathering additional paperwork requested by PaySimple, I received an email from a PaySimple rep that they had closed our account. I then find out that our first transaction now cannot be refunded to our client because our account has been closed. Instead, the original underwriter would hold onto the deposit for 6 months and then they would send me the clients money. During these 6 months, I will not have access to the funds, nor will this money gather interest for me. This is the resolution after countless phone calls and dozens of emails. If the original person I spoke with had told the underwriters that our deposits would be the amount I told them, I would have then been told that they could not help me. PaySimple put me and my business in a terrible position and wasted hours of my time. Do NOT use PaySimple.

BTW- I am a 1st time online reviewer of any service or product.

PAYSIMPLE is a JOKE!!! I do freelance online advertising and everything was fine for the first 6 weeks then all of a sudden I am told my account is frozen, as well as the money they owed me, until I go through an underwriters review with NAB. I gave them the info they requested and after the review they closed my account- the reason was due having a “high risk” business model- the problem I have is they knew what I do and it was not a secret so I should not have even been allowed to use them if they already knew I fell under this classification- but they allowed me to use them then say I will now have to wait 180 days to get my money in case of any chargebacks. This company is a scam & a joke! who tells you that you’re ok then 6 weeks later tell you you’re not ok??? In the meantime they have my money earning them interest and I now have to wait until the holidays to see any of it- I wish I had reviewed them first and I feel stupid that I didn’t – but knowing what I know now I strongly advise to stay away from them if you need an ACH processing co. DON’T USE THEM YOU HAVE BEEN WARNED!!!!!!!

These are scammers and thieves! Run the opposite direction!! They take money you process through them and then place your account on hold and supposedly email you about it…no email ever happens. They then tell you they will audit you and require information on your customers so they can call and harass them. Then you are told that processing may take 180 days. These people are thieves! They will tie up your money and charge you fees as you sit and wait for them to resolve the problem they created. This is no way to run a business! Avoid them at all costs!

We had the EXACT SAME issue. PaySimple is a SCAM. Report them to the FTC and file a complaint with the BBB. I have been contacted before about a possible class action suite against them, which you can bet I will be participating in. They are thieves. Go with QuickBooks Online. It is SO much cheaper, pricing is straightforward, there is no ridiculously extensive underwriting you have to go through, AND they actually give you your money. (some readers may think we are exaggerating what has happened, but I assure you, it has been MONTHS and NAB/PaySimple still has our money. Oh, and they won’t even refund what they’ve charged us, despite not actually providing any services. Not just a bad company, not just bad service, it literally meets the definition of a SCAM.

BUYER BEWARE!!

This company lies to it’s customers and promises services that they don’t offer. I tried to cancel our account within the 30 day trial period and they not only didn’t issue me return on my payment but charged me for a SECOND month! I’ve been fighting with them to return our money and they simply are so inept at their own billing that they can’t get our return processed. Horrible company, Horrible customer service. Stay away from pay simple!

We signed up with Paysimple back in June. Everything seemed great until we noticed that our credit card payments are being held and not reaching our bank account. We then noticed weird fees applied to our account and transactions. We opened a support case and inquired why the money was being help. The support specialist said that the credit card processor NAB needs more information before releasing the funds. We provided all the requested information and were very patient with the entire process. We were then asked to provide more sensitive information and wait for a response from NAB. The response never came so we followed-up with the support folks at Paysimple and NAB only to receive an e-mail back saying that NAB has declined to be our credit card processor with no explanation. We then e-mailed and called but heard no response. Then we receive an e-mail stating that it would take up to 180 days to have the funds reimbursed to our clients. In short we sent an e-mail with a request to reimburse our clients and cancel our account. We still have not received a response and are dealing with all the issues, it has been 3 months of terrible service. We have since apologized to our own clients and went with QuickBooks online. PaySimple is clearly a scam and we will be pursuing legal action. Stay away from PaySimple.

Let me first preface this comment with this: I have been processing credit cards with various merchants since 1996.. I have never had any issue until I found Paysimple..

Paysimple is the worst.. #1 They quote fees that they never give you. ..#2 on the 2nd day I processed with them, they decided they didnt like my business (i gave full disclosure up front) .. and told me i could no longer process through them. I could either refund the customers or have the money held fro 180 days. I of course chose to refund.

I just received a statement from pay simple they charged me 897.78 for processing fees..

They enticed to sign up with them… quoted me a fake fee schedule…. cancelled my processing after 48 hours… charged me almost $900 for nothing..

my Paysimple review: Pay Simple is a bunch of thieving scammers, do not use them.. EVER!!!

tried to cancel and they needed me to fill out a form after endless emails and phone calls.

in order to fill out the form they needed certain details WHICH I COULD NOT GET SINCE I CANNOT LOGIN TO MY ACCOUNT. this delayed the cancellation for 2 months

EXTREMELY FRUSTRATING

HORRIBLE SERVICE. EXTREMELY FRUSTRATING. SCAM

We had a problem getting set up on PaySimple. Full disclosure, we are a new business and were transparent about that from the outset to PaySimple. We provided a lot of personal and business sensitive information including bank statements and authorized test transactions. We were told the process would take 2-5 days. Nearly two weeks later, having delayed on sending invoices which were timely, we were told that due to our new business stature our invoicing would be limited to $5,000 per invoice and could not invoice same client more than bi-monthly. We have one client paying us $25,000 a month and decided to invoice them for partial to mail to us and were intent to use PaySimple for two more $5,000 ones. The next day we were told to limit invoicing to $1,500 per transaction and were told to wait for our final approval to be processed in the next day. The next day we were told PaySimple needed to decline us as clients unless we personally exposed our credit and guarantee as business owners. This seemed like and odd request and we declined. I did ask PaySimple about this: we are the receivers and not the payers, so why the need for our personal credit to be involved?

Here is the disappointing conclusion: PaySimple is not a real company, it is a conduit firm that contracts with another payments system and they are beholden to the underwriting requirements of the “real” payments and receivables firm they sub-contract their entire business operations functions to. In essence, the underwriter was concerned about their credit exposure to us if we were paid by a client and then it was disputed because PaySimple cannot/will not submit its own credit — likely because it is a shell and they have none — and is also unwilling to indemnify anyone using their system and relying on the surety of PaySimple as a payer or receiver of funds.

This company sounds all great in an advert, but to be candid we are glad we missed on this and went with PayPal. There are always business risks that clients pay late in arrears or not at all, and PaySimple preys on the impression people have that they fix it with direct billing and withdrawals like a scheduled ACH payment for their clients. In truth, their clients are one error, problem or dispute away from having much greater headaches because PaySimple is a shell company with no business credit innards or accountability to their clients. Avoid this firm.

BEWARE: Paysimple advertises in many sites that they are huge on Merchant Education. This is not even close to being true regarding my experience in a short 30 days with this company, as their merchant education is non-existent. We signed up with www.paysimple.com a month ago, and the setup and getting started was a nightmare because there is absolutely NO communication from the beginning that left us clueless as to what is being setup for our company. They do not reveal full disclosure of all rates and fees, who you are processing with, what are the charges, when charges are coming out of your account, who is taking money from your account, and so on. You sign up on their website and they send you an email that you are approved, give you login info to their online payment software, and tell you that you can start accepting credit cards. But they tell you nothing else. We had to call several times to get more information about what is going on. You don’t even sign anything, and they never provide you a full merchant application agreement you can sign and agree to. The only thing they provided us was a blank 1 page PDF doc with a list of about 10 fees, and it is not complete, no company names on it, does not tell us who we are processing with, and does not disclose full rates and fees, and terms and conditions. We then start seeing money debited from our account and we have to initiate a call to ask questions. They will then tell you that you are processing with North American Bankcard as the ISO processing your credit card transactions. We then see withdrawals from our account from global, and we were ready to call our bank to initiate reversals of these charges. We call paysimple and they tell us that global is the processor that NAB uses. So global is the company that is really doing the processing for us, not PaySimple or NAB who are just the middlemen. And we were going to reverse the charges from global because no one ever told us about NAB or Global. We never received a full merchant agreement and contract with full disclosure of the terms and processing rates and fees. NAB then decided to put a hold on $400 of transactions from our company to do a review. We provided signed payment authorization forms from our customers for all of these transactions. It took them 12 days to do their review and release our funds. 3 days later they tell us NAB is closing our merchant account with no explanation. What a waste of time. Why would they approve your account in the first place and let you process credit cards, only to close your account 30 days later after they finally decide to review your account and decide not to allow you to process with them. We spent hours learning their software and setting up recurring billing accounts, only to have the online account locked. They should have declined us from the beginning and just tell you upfront your application is declined. This was a huge nightmare, absolutely no communication, and Paysimple seems to be setup to provide excellent customer service with very friendly customer service, big on merchant education, and so on. But the way they do business, set you up, leave you in the dark of who you are really doing business with, no disclosure of fees, and no explanation of who is taking money from your account, is unacceptable and scares me as a business owner that I was going to close my account with them anyways because I would never be able to trust a company that does business this way, especially when I have to rely on them to process our transactions and whether they would deposit your money or not to your bank account. I would not recommend doing business with PaySimple until they change their policies and practices. This represents a total failure to do good and honest business with merchants. They will probably come back and respond and say something like we are high risk with bad credit or something, but this does not excuse them for everything I described above. And if they have their reasons to not allow us to keep a merchant account, then just decline our application from the beginning and not waste our time, and not let us process with them for 30 days and then close our account. Don’t waste people’s time and money. Communication is a huge failure with Paysimple unless you call and ask many questions, then they will disclose what is really going on.

Being misguided from tricky advertising I opened account with Pay Simple company online.

When I call couple days later to find out about rates representative discovered different fees and interest against advertised online. I asked him to close my account immediately to prevent fee collections. He promised to close it to prevent any further charges from my account. Unfortunately no actions were taken and charges kept accruing. When I found my debit card was charged first monthly fee called them again. In addition they disclosed my information to another company that started collecting their fees along with pay simple. It is nasty thing I ever saw that companies do for their own benefits. No matter how many times I called and sent them emails they kept silent. Meantime this company was collecting fees when I never used any of their services, received no equipment or tools, neither utilized their online services. In three months they eventually agreed to close my account and sent me the form to sign. Nevertheless neither Pay Simple nor another company they disclosed my bank account and info returned a dime. After all I hope I can get this issue resolved and receive full refund for fake service.

Pay Simple company collected $168.95 in fees from my personal account without my permission and for no service provided. I consider this situation as fraud and willing to escalate this claim to court complaint.

Paysimple seemed nice enough – they were polite on the phone, had great rates, and seemed to be straightforward and easy.

Well, after a few months of usage, that is simple not the case. They charge huge fees – first is the set monthly fee, then they start adding fee and fee without telling you. They also try to hook you in by saying on their website all transactions are a set fee like squared ($.30 + 2.99% or something like that), but what they don’t tell you is that it’s ONLY for businesses with great credit. The real charge is far above that. I just started my business, and now all the paysimple fees they are charging me add up to around 30% of my monthly revenue. Insane.

As if that wasn’t bad enough, I just found out they make you pay American Express merchant fee without every telling you. They forwarded my bank account information to American Express to automatically take it out of my bank account without my consent.

They company is wretched – do not use them. They are deceptive and will say anything to get you to sign up with them.