PaynetSecure Review

July 25, 2022

PaynetSecure prides itself on being a one-stop shop for all your payment processing needs. The company can work with domestic merchants, as well as offshore businesses. According to the company, it also offers competitive rates, quick approvals, and an extensive banking network. It claims that its highly trained experts are dedicated to providing sound advice to low-risk and high-risk businesses.

The company offers end-to-end services for high-risk businesses in the following services:


PaynetSecure also offers services for low-risk businesses.

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PaynetSecure Merchant Services

Credit Card Processing

PaynetSecure can establish both domestic and offshore merchant accounts. This will enable businesses to accept and process credit card payments. Even high-risk merchants can offer credit cards as a payment option. If you cannot get approved for credit card processing by traditional banks, you can talk to PaynetSecure.

The company uses PCI-DSS Level 1 payment gateway to ensure that only the most stringent of standards are followed in payment processing. The company also uses military-grade encryption to protect the credit card details of your clients.

High-risk Payment Processing

Traditional banks have a harder time approving the applications of high-risk businesses that need payment processing services. Service providers take on a huge risk when they work with high-risk industries. However, these businesses also need payment processors such as PaynetSecure that can provide high-risk merchant accounts here and abroad.



The payment gateway is the means used by high-risk merchants to send transactions. These transactions will be forwarded to the respective banks. It is a secure connection used by businesses all over the world.

PaynetSecure assures its clients that it uses Level 1 PCI-DSS processing, cloud reporting, fraud protection tools, and tiered access for enhanced security.

ACH Processing

An automated clearing house or ACH is a computer-based electronic network that can process e-check merchant accounts. This way,  your customers can pay through a bank account rather than use their debit or credit cards. Many customers would rather do bank deposits than use their credit cards because of security concerns. With PaynetSecure’s ACH, businesses will also have the capacity to process electronic checks.

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PaynetSecure Fees, Rates & Pricing

Processing Fees

PaynetSecure works with a wide range of businesses. The rates for each industry vary according to payment processing history and monthly volumes, business financials, products being sold, business model, and industry classification. However, as the company understands that customers want to have an idea of how much they have to pay for a merchant account, they published a rate chart.

  • Discount rate – 2.45% to 4.5% (high risk domestic) / 3.5% to 6.95% (high risk offshore)
  • Transaction – 0.25% to 0.30% (high risk domestic) / 0.0% to 0.65% (high risk offshore)
  • Reserves – 0% to 10% (high risk domestic) / 5% to 10% (high risk offshore)
  • Monthly – $10 to $20 (high risk domestic) / $50 to $150 (high risk offshore)
  • Application – fee for both high-risk domestic and offshore

It also has a separate table for international e-commerce: 2.95% to 4.95% for discount rate, 0% to 0.45% for transaction, 0% to 5% for reserves, $0 to $50 for monthly, and free for application.

Additional Fees

There is no information about any additional fees imposed by PaynetSecure on its clients. However, the company has a rolling reserve of up to 10%. This money will be withheld until about six to seven months when the business proves its credibility.


Hidden Charges

Review sites have no information on hidden charges by PaynetSecure. Although it did not reveal how much its various fees would cost, the company prefers potential clients to reach out to learn about business-specific rates.

image of paynet secure has no hidden fees

PaynetSecure Complaints

Rip Off Reports

There are no reports indicating that PaynetSecure is a ripoff.

Other Complaints

Currently, there are no known complaints about PaynetSecure.


PaynetSecure BBB Rating

PaynetSecure is not listed on the Better Business Bureau (BBB) website, so the bureau cannot give a rating for the company yet.

BBB Reviews

Similarly, there are no reviews for PaynetSecure on the BBB website.


Is PaynetSecure Legitimate?

PaynetSecure has been around for over 15 years, which is a nod to its legitimacy. Though there is a lack of information about the company in terms of customer reviews, there are also no fraud reports about its services. The fact that it has been operating for more than a decade is also advantageous to its clients.


Even though it is not yet listed on BBB, there are no known scams involving PaynetSecure. A thorough look through the internet will show zero stories about a possible scam involving the company.


There are also no outstanding class-action lawsuits or Federal Trade Commission (FTC) cases involving PaynetSecure.


PaynetSecure Customer Reviews

image of paynet secure customer reviews

PaynetSecure’s website doesn’t feature any customer reviews or testimonials. However, there are review sites that talk about the pros and cons of the company’s services. One review site rated it two out of five stars while another one showed its ranking of 75 out of 98 high-risk merchant account service providers. In terms of online credit card processing, the website ranked it 295th out of 402.

The bulk of comments mentioned that PaynetSecure lacks visibility on the internet and social media. The comments also said that it has become increasingly hard to contact PaynetSecure. This is despite the company’s boasting of its 24/7 team dedicated to answering all inquiries.



Though there aren’t a lot of customer reviews about PaynetSecure, there is a lot of information about the services it offers on the internet. You can get more details about what the company can do for your high-risk business.

The company has no known scams and fraudulent cases. PaynetSecure is worth looking at if you are looking for a way to expand your business.

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