PayOp Review

June 29, 2022

PayOp promotes itself as a company that accepts online payments and more. It enables payment processing for over 300 payment methods, and 200 currencies in more than 170 countries. It also provides solutions for payouts, integrations, analytics, and reports. PayOp caters to all types of online businesses including high-risk industries.

Below is an overview of merchant services offered by PayOp:

  • Merchant accounts
  • Local and international payment gateways
  • Payment processing of over 300 payment methods and 200 currencies
  • Payouts and withdrawals
  • E-commerce Integrations
  • Chargeback and fraud prevention


PayOp Merchant Services

Merchant Accounts

PayOp helps businesses apply for a merchant account to process payments. These include high-risk industries, e-commerce businesses, online retailers, and other industries. With a merchant account, you will have access to the company’s payment solutions, integrations, and other services.


Interested merchants can apply for an account through the PayOp website.

Payment Gateway

PayOp provides merchants with local and international payment gateways to accept over 200 currencies.

Payment Processing

With PayOp’s payment gateways, merchants can accept over 300 payment methods like domestic and international credit cards, direct bank transfers, e-wallet payments, prepaid vouchers, and more.

Major credit cards include Visa, Mastercard, Diners Club, American Express, UnionPay, and more. Keep in mind though that options will ultimately depend on your territory. In some countries, merchants can accept local credit cards as well. As such, processing rates will vary.


For alternative payment methods, options include Webmoney, WeChatPay, Qiwi, iDeal, Klarna, Giropap, DragonPay, Poli, Boleto, Safetypay, and many more.


Merchants can easily add payment methods through the PayOp dashboard. They will also have access to other features like a real-time overview, reports, and analytics.

Payouts and Withdrawals

Merchants can also use PayOp’s solutions to pay employees, customers, partners, and the like. Mass withdrawals are available for Visa, Mastercard, SWIFT bank transfers, PayPal, SEPA, Webmoney, and QIWI.

E-commerce Integrations

PayOp provides numerous ways to integrate its payment solutions with a merchant’s existing website or system. Merchants can make use of APIs, hosted payment pages, and direct payment buttons. Additionally, you can customize the payment page for a seamless customer experience.

PayOp also has specific plugins for WooCommerce, OpenCart, Lineage, and PHP. They are the easiest and fastest way to integrate its payment solutions into your website.

Chargeback and Fraud Prevention

As a PCI DSS Level 1 provider, PayOp assures merchants of secure payments. All card data is encrypted and stored in a protected environment.

In the PayOp dashboard, merchants can also manage chargebacks and fraudulent activities by issuing refunds, viewing transaction details, and more.


PayOp Fees, Rates, and Pricing

Processing Fees

PayOp is transparent with its processing fees, which it provides on its website.

  • Local cards: Starts at 2.7 percent plus $0.30 per transaction
  • International cards: Starts at 2.4 percent plus $0.20 per transaction
  • European cards: Starts at 2.4 percent plus $0.20 per transaction
  • Alternative payment methods: Starts at 3 percent plus $0.10 per transaction

PayOp mentions that additional credit card fees may apply depending on your industry, risk profile, and processing volume. For alternative payment methods, fees may also vary based on your country and payment method type. For a list of transaction fees per country and payment method, you can refer to the website.

That said, it is still best to decide after getting actual pricing terms directly from the company.


Additional Fees

As seen on its website, PayOp does not charge setup fees. It charges a $20 fee per chargeback and a $0.50 fee per refund.

Other than these details, it is unclear whether the company charges for early termination, monthly services, and other standard fees.

Hidden Charges

PayOp promises transparent pricing and no hidden fees.


PayOp Complaints

PayOp has several complaints based on Trustpilot reviews. Below is a summary of the issues encountered.

Rip Off Reports

Most complaints call out PayOp for being a scam or a rip-off. Several merchants shared experiences about stolen funds, many of which found their accounts empty or in debt. Some also complained about hidden fees or big increases on their agreed rates. In most cases, they reached out to the company and were met with no response or no refunds.

Other Complaints

Other complaints are about the company’s unresponsive customer service and unprofessional staff. Several merchants also encountered problems with the application process.


PayOp BBB Rating

PayOp is not an accredited company by the BBB.

BBB Reviews

As such, the company does not have any BBB reviews or complaints.


Is PayOp Legitimate?

PayOp is a legitimate company based on our research. According to several sources, it was established in 2011. Denys Myloserdov is listed as the company’s CEO and Director General, although it is unclear whether he is the company’s founder. PayOp’s website shows an office address in Canada. However, several websites mention Singapore as its home base.

PayOp boasts several credentials on its website. These include a presence in over 170 countries and an ability to process over 300 payment methods and over 200 currencies.

PayOp also appears in several PR articles about its services and new projects. It has a few reviews from independent websites. FinancesOnline gave it an 8.9 rating and 98 percent user satisfaction. ScamAdviser also highlighted the company’s valid SSL certificate. However, it did mention that a few people


While many complaints accuse the company of being a scam or a fraud, it is unclear whether these complaints were filed as official reports. According to ScamAdviser, several people voted for the website as possible fraud. Still, it gave the company an overall Trustscore of 90.


Likewise, there doesn’t seem to be public information about lawsuits against PayOp.


PayOp Customer Reviews

PayOp has a 3.9-star rating based on 181 reviews in Trustpilot,  the majority of which are positive. Contrary to the complaints mentioned above, many merchants praise the company for its professional customer support and transparent pricing. They also experienced fast approvals and good communication with the company.


While some merchants did experience problems, they said PayOp was quick to resolve them. Merchants also appreciate the company’s easy-to-use platform, excellent payment solutions, and multi-currency processing.



Overall, PayOp may be a considerable option, especially for international merchants. It supports hundreds of payment methods like international credit cards, e-wallet payments, and internet banking methods. It also has a robust user platform for easy integrations and account management.

That said, it’s still best to practice caution given PayOp’s history of complaints and accusations. The majority of them are fee-related so it is crucial to discuss pricing details before making a decision.

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