Paycron Review

June 12, 2022

Paycron was established in 2011 to provide merchant services at an affordable price. With the company’s vast network in the financial technology industry, merchants can be assured of high-quality merchant account and payment processing services. Paycron works across a broad scope of industries—from low-risk to high-risk.

The company can process payments for physical stores, e-commerce, licensed pharmacies, travel agencies, and non-profit organizations, according to its website. It even provides incorporation services for big businesses.

The company aims to find the best merchant account providers for its clients. Above all, it also provides e-check processing at a low cost. Not many payment processors can do so because of the fees associated with electronic checks clearing.

Paycron can expand your market, increase revenue, and boost customer loyalty. It can customize merchant services to fit the ever-growing needs of its clients.



Paycron Merchant Services

Credit Card Processing

Paycron empowers businesses to start accepting credit card payments. They can even help set up offshore merchant accounts so you can begin accepting non-traditional payments and even foreign currencies. Businesses will have a difficult time growing without credit card processing solutions.

High-risk Payment Processing

No matter your industry, Paycron has a service that fits it. High-risk businesses such as travel agencies and licensed pharmacies can get their merchant accounts up and running with the company’s services. Paycron can tap major foreign banks that are less stringent with their requirements and have fewer trading restrictions.

eCheck Payment Processing

One of the things that Paycron is most proud of is its e-check payment processing. Its e-check services have zero set-up fees and no cancellation costs. High-risk businesses prefer e-checks because it is safer and sometimes more convenient than credit and debit cards. Startups can easily set up their e-check payment methods through Paycron’s assistance.

Card Terminals

Paycron also offers equipment such as card readers and terminals. The company can work with you in finding the best system. Many businesses opt for a complete point-of-sale (POS) system because this terminal helps them keep up with inventory management, too.

Mobile Payment

Businesses accepting mobile payments is the key to more revenues and conversions. Customers want to be able to pay no matter where they are. Paycron provides a simple mobile card reader so you can process payments in non-traditional locations such as an outdoor retail venue.



Paycron Fees, Rates & Pricing

Processing Fees

Paycron does not publish its fees and rates on the website. It said to one review site that it offers multiple pricing models and allows businesses to choose. However, it also said that it prefers interchange-plus pricing. It also offers tiered, flat rate, and automatic surcharge pricing models.

The company’s interchange plus rate is 0.4% above the interchange. The company’s published rate for tiered pricing is 1.29% plus 10 cents per transaction.

According to Paycron, it has no set-up fee, minimal equipment processing fee, and next-day funding.


Additional Fees

There is no information about Paycron’s additional fees.

Hidden Charges

Paycron said it has no hidden fees.


Paycron Complaints

There are no recorded complaints about Paycron.


Rip Off Reports

There are no rip-off reports about Paycron.

Other Complaints

There are no other complaints about Paycron.


Paycron BBB Rating

Paycron is not accredited by the Better Business Bureau (BBB). However, it has a rating of A+, though this is not based on customer reviews. The A+ rating is the highest that BBB gives. The lowest is F.

BBB Reviews

Paycron has a listing on the BBB website despite not being accredited. There are no reviews about the company, but there’s one complaint filed over the last three years.

One complainant said that he asked to be refunded the amount in his account because he ended his contract with Paycron. The company apparently said it would take 90 days to process the request. This was unacceptable to the client because the amount was $120. The complainant asked for the money back, as well as for the itemization of the account.

Paycron answered and said it had already refunded the amount “in the intention of good business.” The company said that if the client ever needs a service like the ones Paycron provides, he should not hesitate to call.

According to BBB, the complaint was “answered.” This means that the business addressed the issue, but it’s either the complainant who didn’t accept the offer or didn’t offer BBB information about the resolution.


Is Paycron Legitimate?

Paycron is a legitimate payment processing service provider. It works in various industries, including restaurants, pharmacies, and non-profit organizations. It has social media accounts on LinkedIn, Facebook, Twitter, and Instagram. The accounts are regularly updated.

ScamAdviser said Paycron’s website has an average to good trust score. The reasons stated for the good trust rating are:

  • the website existed for quite some years
  • the SSL certificate is valid
  • there are a lot of positive reviews about the site


There are no scam reports about Paycron. In fact, it has an overall positive rating based on customer reviews.


Paycron faced a certified class-action lawsuit in 2019 for using robocalls or automated solicitations to mobile numbers. This violates the Telephone Consumer Protection Act. The company did not answer the lawsuit, so the court made a default judgment in favor of the plaintiff. The case involves possibly thousands of people who received robocalls from Paycron.


Paycron Customer Reviews

The company has achieved a 4.9-star rating based on 72 Google reviews and has a 3.9 out of 5 rating on Facebook. On Google, customers raved about Paycron’s customer service. They highly recommend the payment processing service provider to merchants. According to customers, Paycron also delivers flexible, secure, and innovative services regardless of the size and type of industry.


The customers also had positive reactions to Paycron’s competitive rates and responsiveness. They claim that if you work with Paycron, you wouldn’t need to look anywhere else.

On Facebook, merchants recommended Paycron for having lower fees than other service providers. They also said that the company helped them grow their business by saving on costs and offering more payment methods to their customers.



Paycron has been around since 2011. It already has a lot of experience providing merchant services and payment methods. Its glowing reviews on Google and Facebook are enough reason for merchants to work with the company.

Its promise of competitive rates and minimal processing fees are bonuses to a splendid reputation in the industry. If you are looking for a payment processing service provider for your standard- or high-risk business, Paycron should be on top of the list.

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