Integral Pay Review – A Comprehensive Review

May 6, 2022

Integral Pay is a merchant payment solutions provider that works with all industries and businesses. The company has been in the business for over 20 years. It is determined to make online payment a streamlined process for businesses so they can grow and expand their markets.

The company says it works with many acquirers. If you’re having a hard time getting approved for an account, you might want to check out Integral Pay because it can solve your payment solution problems.

Aside from payment processing solutions, Integral Pay also has an agent program. Agents can earn as much as $100 per referred merchant. All you have to do is refer potential merchants, and it is up to the company to vet these merchants, handle underwriting and compliance, and handle customer service. The agent can get up to 70% of the revenue share for the ISO program if they vet the merchants and manage the customer service after activation.


Integralpay logo



Integral Pay Merchant Services

Credit Card Payment Processing

Businesses cannot grow if they don’t accept credit cards. Integral Pay does not believe in a one-size-fits-all solution. Instead, it customizes the payment options based on a business’ sales volume, type of product/service, and length of time in the industry. Integral Pay has partnered with many acquiring banks that provide payment solutions for online businesses.

High-risk Payment Processing

Integral Pay can process cryptocurrencies, which is considered a high-risk form of payment. Though the company did not say if it sets up merchant accounts and payment solutions for high-risk industries, the presence of crypto payments in its list of services makes the company a viable partner for many types of businesses.

Crypto Processing

It is a good idea for most businesses to start processing crypto payments. This is the future of alternative payment options. Thousands of vendors online have already begun accepting Bitcoin as payment, so no merchants should be left behind. Integral Pay can convert cryptocurrencies into the currency of your choice.




Integral Pay Fees, Rates & Pricing

Processing Fees

Integral Pay does not have information about its fees and rates on the website.

Additional Fees

There is no information about any additional fees.


Hidden Charges

There is also no information about whether Integral Pay has hidden fees.

Integral Pay Complaints

There are no formal complaints filed against Integral Pay.

Rip Off Reports

No one has called Integral Pay a rip-off.

Other Complaints

There are no other complaints about Integral Pay.

Integral Pay BBB Rating

Integral Pay has no listing on the Better Business Bureau (BBB) website. It is neither accredited nor rated by the bureau that gives scores to businesses, including payment processors, based in the US, Mexico, and Canada. The highest score is A+ while the lowest is F. The BBB score is important because merchants and consumers alike check the score to make sure they have a place to complain to if they become dissatisfied with the company’s products and services.

BBB Reviews

There are no reviews about Integral Pay on the BBB website.

Is Integral Pay Legitimate?

Unfortunately, Integral Pay does not have social media pages, so there’s no way to know if the company has a lot of followers and engagement. It also does not have a listing on BBB, so there’s also a lack of information about any legitimate reviews or complaints about it.


However, ScamAdviser did give it an average to good trust score of 95/100. This means that the website, at least, is not a scam. It is safe to browse for those who want to check what the company offers.
The positive highlights of the website are:

  • Valid SSL certificate
  • Positive reviews of the website (not the company)
  • Online shopping features that are not a shopping scam

ScamAdviser flagged the website for its low Alexa rank and the lack of websites linking back to Integral Pay’s site.


Since ScamAdviser gave Integral Pay a good trust rating score, it’s a safe website to browse if you want to know more about the company. As for Integral Pay itself not being a scam, there is no information about that on the internet. There are no reviews or complaints on common review sites that call the company a scam.


There is no information that Integral Pay is facing any lawsuits.

Integral Pay Customer Reviews

Integral Pay does not publish client testimonials on the website, unlike other payment processors. There are also no customer reviews on popular review sites and online forums. There are no Google reviews or posts about it on Yelp and Trustpilot. In fact, there is hardly any mention of the company outside its website.


It is difficult to recommend Integral Pay when there is a lack of information about it online. While its website gives details about the company’s products and services, these are not enough to ensure merchants and consumers that Integral Pay is the right company for them. If you want to check out the company’s products and services, you can visit the site and draw your own conclusion from there. Otherwise, it’s best to reach out to an agent and ask queries directly to the company’s representatives.

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