PayClub Review

June 27, 2022

Boasting years of experience in the financial technology industry, PayClub says it identified the most effective and efficient payment methods for e-commerce merchants regardless of the industry. Over the years, the company said it had handled more than 200 e-commerce projects. PayClub customized payment solutions for these companies.

Moreover, the company prides itself on ensuring the security of payment transactions. Its methods are PCI-DSS Level 1 compliant. Plus, it is also an approved member of major card companies such as Visa, Mastercard, JCB, Discover, and many more. It also protects non-card payment methods.

The company also has multi-currency processing services, fraud detection, and subscription billing. It claims to have a top-notch customer service team.


PayClub Merchant Services

Credit Card Processing

PayClub is a partner of most major card companies, including Visa and Mastercard. It can set up merchant accounts for e-commerce businesses that traditional banks cannot approve. This allows businesses to accept card payments almost immediately. It’s a major step forward for the growth of the company.



High-risk Payment Processing

PayClub also works with high-risk industries. Typically, these businesses cannot be approved by traditional banks because of the nature of their business. PayClub has customized payment solutions for these companies.

API Integration

The company’s system can be easily integrated into any website design and structure. Since it is customizable, it can efficiently work around the nuances of your existing website. PayClub said that its wide array of options is not available in other pre-packaged payment processing services.

Anti-fraud System

PayClub has the most advanced fraud security and identification system. It checks the IP address of consumers and does local verification. The system also keeps track of the devices that the clients use. These methods protect the merchants from fraudulent transactions.

Multi-currency Processing

PayClub can handle various currencies. It eases the process of currency exchange, thereby expanding your market. Merchants can bring their brands globally since they can process foreign currencies.


PayClub Fees, Rates & Pricing

Processing Fees

PayClub has published its fees and rates on the website. For its e-wallet services, personal and business accounts are free. Internal transactions and SWIFT/SEPA bank transfers are free to top up the account. For Mastercard and Visa, the fee is 5% for personal and business accounts. For e-currencies, the fee is 2%.



Withdrawing funds from the e-wallet also has corresponding fees. The PayClub prepaid card shall impose a fee of $/€ 1.99 for personal and business. For e-currencies, the fee is 0.95% while for SWIFT/SEPA bank transfer, it’s $/€ 45.

PayClub also has a prepaid card. The is no service fee per month or year for personal and business accounts. Funding the card will cost $/€ 1.99 while ATM withdrawal is $/€ 2.99. There’s a transaction fee of $/€ 0.99 for purchases. Withdrawing funds from the card is free.

Additional Fees

Other fees include developer tools such as API integration and shopping cart integration. There’s a corresponding fee for both.

There are daily limits to using the card. The limit for loading and ATM withdrawal is $/€ 3,000. Payment for purchases has a limit of $/€ 10,000.

Other charges include card creation ($/€ 9.99 for personal accounts and $/€ 5 for business), PIN change ($/€ 2), balance inquiry ($/€ 1), and chargeback ($/€ 45 for personal and $/€ 35 for business). The foreign currency exchange fee is 2.95% for personal and business. Card reissue has a fee of $/€ 19.99 for personal and business.

Hidden Charges

It doesn’t look like PayClub has hidden charges.



PayClub Complaints

PayClub doesn’t have any reported complaints.

Rip Off Reports

There are no rip-off reports about PayClub.

Other Complaints

There are no other complaints about PayClub.


PayClub BBB Rating

PayClub is not accredited and rated by the Better Business Bureau (BBB). The bureau rates businesses based in the United States, Canada, and Mexico. It gives ratings between A+ and F.  Some merchants feel the need to check BBB for the rating and accreditation of payment processors. However, it should be noted that BBB is not the only institution that accredits payment processing companies.

BBB Reviews

PayClub is not listed on the BBB website. There are no reviews or complaints about the company.


Is PayClub Legitimate?

There isn’t much information about PayClub. There are no reviews or complaints about it on the internet. However, it does look legitimate because of its comprehensive details on the website. It also has a listing on a professional network site.

According to ScamAdviser, it has an average to good trust score. The owner of the website has claimed the domain for a long time. It has also existed for quite some years. However, ScamAdviser also said that the website does not have many visitors, and it is not optimized for search engines.


ScamAdviser said that PayClub’s website is not a scam. There are also no scam reports about the company.


There are no lawsuits filed against PayClub.


PayClub Customer Reviews

PayClub does not publish client testimonials on the website. It doesn’t have much social media presence. It has no page on Facebook, LinkedIn, and Instagram. Clients did not post about the company on Google reviews. Plus, there’s no mention of the company in online forums and common review sites.



Although ScamAdviser said PayClub is not a scam, it is hard to recommend it. It doesn’t have much presence on the internet. You cannot find a single review about the company. There are no scam and rip-off reports about it, though, so you might still want to check it out. If you are going to consider PayClub, make sure to do thorough research on its services.

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