Net Pay Bank Card Review

August 9, 2022

Net Pay Bank Card is a merchant service provider offering merchant accounts and online payment processing. While it doesn’t explicitly call itself a high-risk credit card processing company, high-risk merchants are welcome to apply. The company has over two decades of experience in merchant services, which means it has experienced success with all types of merchants. The company takes pride in its fast application process, high approval ratings, and next-day funding.

Below is an overview of merchant services offered by Net Pay Bank Card:

  • Merchant accounts
  • Payment gateway and virtual terminal
  • Online payment processing for credit cards, debit cards, EBT payments, ACH payments, and checks
  • Shopping cart integrations
  • Security tools for fraud prevention and risk management

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Net Pay Bank Card Merchant Services

High-Risk Merchant Accounts

Merchant accounts are the most basic service from Net Pay Bank Card. It claims to be one of the leading merchant account providers in the U.S. It caters to e-commerce and MOTO merchants. It does not single out high-risk industries, however, its merchant accounts include security features that cater to high-risk credit card processing.


With a merchant account, you will have access to a range of payment processing solutions and terminals suitable for your specific business type and industry.

Net Pay Bank Card guarantees 24-hour approvals and free account setup.

Payment Gateway and Virtual Terminal

Net Pay Bank Card is an authorized reseller of Authorize.Net. That means it is equipped to integrate the Authorize.Net payment gateway into your online payment processing system.

Merchant accounts also include a virtual terminal. It is another way for merchants to process online, mobile, and telephone payments. It comes with features such as recurring billing setup, batch uploading, and detailed reports.

For retail merchants with swipe transactions, you can integrate the company’s payment gateway and virtual terminal with your credit card reader.

Payment Processing

With Net Pay Bank Card, merchants can accept various payment methods. These include credit cards, debit cards, stored value cards, EBT payments, ACH payments, and checks.


E-commerce Integrations

The company’s payment solutions are compatible with various shopping carts and e-commerce platforms. As Net Pay Bank Card does not provide a full list of integrations, it is best to discuss your options directly with the company.

Chargeback and Fraud Prevention

While the company does not provide many details, Net Pay Bank Card promises secure payment processing through features like fraud management, check guarantee, PCI compliance, and risk management.

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Net Pay Bank Card Fees, Rates, and Pricing

Processing Fees

As is the case with most high-risk credit card processing companies, you have to contact Net Pay Bank Card for a quote. The company makes use of interchange pricing, which will depend on the needs, volume, and average transaction size of your business, as well as other factors.

Additional Fees

Merchants do not have to worry about paying any setup fees with Net Pay Bank Card, as there is none. Other than this, the company does not disclose whether it charged additional fees for early termination, monthly services, terminals, PCI compliance, and the like.

Hidden Charges

Seeing as Net Pay Bank Card does not provide its fees and rates online, make sure to discuss your pricing terms in detail to prevent any surprise fees. That said, the company does not seem to have a reputation for charging hidden fees based on customer reviews.

Net Pay Bank Card Complaints

There don’t seem to be any complaints about Net Pay Bank Card.


Rip Off Reports

Net Pay Bank Card has not received any accusations of being a rip-off, scam, or fraud.

Other Complaints

The same goes for complaints related to products, services, customer support, contract agreements, and the like.

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Net Pay Bank Card BBB Rating

Net Pay Bank Card has been an accredited company by the BBB since 2014. It currently holds an A+ rating with the organization.

BBB Reviews

The company does not have any customer reviews or complaints on its BBB page.

Is Net Pay Bank Card Legitimate?

Net Pay Bank Card is a legitimate company with decades of experience in merchant services. According to its BBB, it was established in 1997 and incorporated in 2005. The company’s management team includes Ami Elkayam as President, Shico Marciano as CEO, and Anna Martinez as Office Manager. Its headquarters are located in Newport Beach, California.

Although the company has been around for decades, it has a limited online presence. It only appears in a few customer reviews and PR articles. However, this does not automatically point to the company’s inexperience or lack of credibility. As mentioned, Net Pay Bank Card is BBB-accredited. It is also a member of the Electronic Transactions Association (ETA), which further proves its legitimacy.

Net Pay Bank Card is a registered independent sales organization of Wells Fargo Bank, N.A, Concord, CA.


There are currently no reports of scams or fraud against Net Pay Bank Card.


Similarly, the company does not seem to have a history of lawsuits.

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Ney Pay Bank Card Customer Reviews

Net Pay Bank Card has 11 Google reviews, all with 5-star ratings. Merchants mostly highlight the company’s efficient merchant services, such as its payment gateways, fast transactions, and minimal fees. They also praise the company for its professional and qualified team.


Overall, Net Pay Card is worth considering for online and MOTO merchants. It offers specialized solutions like payment gateways and virtual terminals to process payments efficiently. Apart from e-commerce capabilities, it also provides easy integrations for retail merchants. While customer reviews are limited, they are all 5-star ratings, which must attest to the company’s competence and reliability.

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