ProPay merchant accounts
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500 E. Timpanogos Pkwy Building S, Orem UT 84097
  • This wasn't a problem for me, although corporations and partnerships may want to discuss this with their lawyer or accountant first
  • Actually, the few times I have had to speak to someone at ProPay I have been very impressed
  • It's a very good service that I would recommend highly

    • by The Mad Reviewer

      all reviews
      ProPay is a merchant account provider that allows small businesses to accept credit card payments from their customers. The service is primarily web based, although any type of company can use it, not just web stores. I have been using the service for six years and it has been a great benefit to my business.

      You fill out a form on the company’s website ( Accounts are registered in the individual owner’s name and Social Security Number, not a business name. This wasn’t a problem for me, although corporations and partnerships may want to discuss this with their lawyer or accountant first. Sign some papers and you are ready to begin accepting credit card payments.

      All account activity is done through the secure website. Enter a credit card number, expiration date, the amount to charge

      and a couple other pieces of information and submit. ProPay debits the customer’s card and adds the funds to your account. It’s really about as simple as it could be. There are no batches to process and reconcile each day. Anyone comfortable with PayPal or other online payment systems will be immediately comfortable using ProPay. You can transfer your funds to your checking account as often as you like. The transfer takes two or three business days to clear.

      The system is fairly reliable, although to website is unavailable from time to time for maintenance or due to technical problems. It doesn’t happen often (maybe once every month or two) and the outages are usually brief (minutes or a couple of hours), but it still be inconvenient.

      In addition to the online processing, ProPay ...

      • offers telephone and card-swipe processing. These would be useful for businesses that operate in locations that do not have internet access (flea markets, kiosks, etc.). I have not tried these options. You can also integrate the payment processing with your website so you don’t have to process each charge manually, but this requires you to buy their web API for $395. Unless your website gets a dozen or more orders each day this is probably not worth it.

        ProPay charges fees for each transaction. There are a few different account types that have varying fees so you can choose which will be best for you. It’s easy to upgrade accounts anytime. I’ve done this twice and the account agent handled it quickly and politely. Their fees are a bit higher than more traditional

        merchant account providers but they don’t charge any monthly fees, so overall they are much less expensive for low volume (less than $3000 per month) users.

        Actually, the few times I have had to speak to someone at ProPay I have been very impressed. Not only are the staff pleasant, they actually know what they are talking about and have the authority to resolve problems. And when they say that they will call you back they actually do it! That kind of service is unusual these days.

        ProPay is a great way for small business to start accepting credit card payments without investing a lot of time and money in equipment and services. And when your business grows your ProPay account can grow with it. It’s a very good service that I would recommend highly.

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    The review was published as it's written by reviewer in December, 2008. The reviewer certified that no compensation was received from the reviewed item producer, trademark owner or any other institution, related with the item reviewed. The site is not responsible for the mistakes made. 421212536811131/k2311a1212/12.12.08
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