Pathway Payments – A Complete Review

November 24, 2021

Pathway Payments offers high-risk credit card processing and other payment processing services for high-risk merchants. The company specializes in high-risk merchant accounts and those for small businesses, websites, and retail stores. The company has solutions for businesses of all sizes.


While Pathway Payments accepts all clients, they specialize in high-risk merchant accounts. This specialization means that they know what services and features are most important to high-risk merchants and provide those.

Take a closer look at some of the services you can get as a Pathway Payments customer.

  • Merchant Accounts

The high-risk merchant accounts from Pathway Payments give you access to all of their services. Merchant accounts get to take advantage of the company’s PCI-compliant products and a large network of banking partners.

  • Payment Gateways

The payment gateways connect your POS system or shopping cart with the credit card network. High-risk merchant accounts have their choice of several leading payment gateways with Pathway Payments. These include USAePay, Authorize.Net, NMI, eProcessing Network, and PayPal Payflow Pro.

Pathway Payments also has its payment gateway with multi-merchant account capability and integrated e-check functionality. In addition, it has integration documentation and includes a free hosted solution for a shopping cart.

  • Virtual Terminals

The virtual terminals from Pathway Payments let you use your computer to process credit card payments manually. It features multi-user passwords, end-to-end encryption and is cloud-based, so you don’t have to download anything.

  • Credit Card Processing

You can easily use Pathway Payments to accept credit cards with all of the major shopping carts, hosting companies, Yahoo stores, and payment gateways.

  • E-check Processing

With e-check processing, you can easily accept checks over the phone using a virtual terminal. You can also send customers invoices via email and let them enter their checking details. You get secure transactions and lower fees than other payment methods.

  • ACH Processing

This type of processing for high-risk merchant accounts is closely related to e-check processing. ACH processing supports electronic checks, giving you safe and secure transactions that cost less.

  • Cashless ATM or Point-of-banking Solutions

This is a somewhat unique payment method that most competitors do not offer. It turns the process of buying products into something similar to using a debit card to withdraw cash at an ATM. With a cashless ATM, customers swipe their card and enter their PIN before confirming the transaction. Instead of withdrawing cash, it gives them a receipt for payment or something similar, which you then use at your POS system.

Cashless ATMs offer a great alternative for companies that have trouble getting approved for other types of high-risk merchant accounts. They are particularly popular among dispensaries, for example.

Pathway Payments services

  • Chargeback Protection

This service can directly save you money by fighting chargebacks. It also helps you improve your chargeback ratio. The solution lets you avoid and stop chargebacks before they even occur.

  • Point-of-sale Systems

Pathway Payments offers your choice of point-of-sale systems to work with your high-risk credit card processing.

Vend is an all-in-one solution with user accounts and permissions, powerful reporting, cash management, secure cloud infrastructure, and superior customer service. These analytics help you see which products sell the best, which promos are the most effective, and which employees sell the most. It integrates with payment processing, e-commerce, and accounting software. Training and onboarding are also available.

Clover is another all-in-one solution that is particularly popular for quick-service restaurants as well as retailers. It offers multiple configurations, employee scheduling, and an app market. It also lets you track inventory. The system can work in offline mode if you lose an internet connection. It also gives the option of running transaction reports and printing, texting, or emailing receipts.


You can also choose from two mobile credit card readers that work with your smartphone or tablet. Both plug into your headphone jack without requiring batteries or cables. USAePay Mobile Card Reader works with Android, Apple, and Blackberry, while the NMI Mobile Card Reader works with Apple and Androids.

Or you can opt for a more compact standalone credit card terminal, from traditional desktop terminals to countertop terminals. They can feature NFC connectivity and the ability to leave tips. There are also wireless credit card terminals.

Pathway Payments Rates

Once you start working with Pathway Payments, you will keep the same guaranteed rates. There are also no termination fees.

The company also claims to offer the lowest rates within the industry.

High-risk Industries Pathway Payments Serves

Pathway Payments gladly works with mobile merchants, websites, distributors, professional offices, wholesalers, traditional retailers, operators on the go, and service providers. Just some of the high-risk industries that the company serves include:

  • Vape and tobacco
  • Guns and ammo
  • Adult novelty
  • CBD and hemp
  • Churches and religious
  • Nutraceuticals
  • Supplements
  • Collection agencies
  • Weight loss programs
  • Tech support
  • Credit repair
  • Multi-level marketing
  • Dating sites
  • Male enhancements
  • Seasonal industries
  • Tax preparation

High-risk credit card processing services are not limited only to the above high-risk industries. Pathway Payments encourages those in other industries to contact them as well.

Pathway Payments reviews

Other Notable Features on Pathway Payments

The following features are also worth mentioning when discussing high-risk merchant accounts from Pathway Payments.

  • No Contracts

You don’t have to sign a contract to work with Pathway Payments. This is part of why there are no termination fees.

  • Quick Approvals

You won’t have to wait long to start accepting payments with Pathway Payments as they have a fast approval process.

  • Free Training

There is no learning curve for using the solutions from Pathway Payments, as they offer free training to high-risk merchant accounts.

  • Free Integration

The high-risk credit card processing from Pathway Payments integrates seamlessly with your existing solutions. Some of those integrations include Yahoo!, WooCommerce, Magento, Shopify, and PrestaShop.

  • Fast Payment

You receive your funds from the payment processing quickly, helping maintain your cash flow.

  • Latest Technology

This high-risk credit card processing company prides itself on using cutting-edge technology.

  • Compliance

All of the solutions are PCI-compliant. By offering PCI-compliant solutions, Pathway Payments prevents you from losing your ability to accept credit cards or facing fines or audits due to non-compliance.

  • Customer Support

High-risk merchant accounts receive friendly and helpful customer support that is available when you need them, 24/7.

  • Designer and Web Developer Programs

In addition to high-risk merchant accounts, Pathway Payments offers programs for developers and web designers. These are partner programs that let you help your clients get high-risk credit card processing while also giving you residual income.

Pathway Payments Reputation and Reviews

Pathway Payments is a BBB-accredited business. The company has good ratings, although there are companies with better reviews and ratings. Reviews praise the processor’s honesty and trustworthiness. They mention how the team goes through various options with high-risk merchant accounts and helps them set everything up. That being said, there are not very many reviews of the company from either customers or independent websites.


While Pathway Payments has minimal reviews and ratings online, those that it does have are mostly favorable. Additionally, the company has a lot of high points, such as its ability to process ACH, e-checks, credit cards, and debit cards, as well as its cashless ATM offerings. High-risk merchants may want to include Pathway Payments on their list of potential processors.

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