Receive Pay Merchant Services

June 6, 2022

Receive Pay Merchant Services or RPMS for short is a payment processor that caters to all types of businesses. Its primary service is payment processing of credit cards, checks, and ACH payments. These are available for merchants with different payment settings, like in-store, online, phone, or mail. Its web-based platform allows merchants to handle all their payment-related processes in one place. Overall, it aims to provide merchants with a seamless and secure payment process, fast funding, and low transaction rates.

Learn more about Receive Pay Merchant Services through this detailed review.



Receive Pay Merchant Services’ pay payment solutions are available for high-risk businesses. First off, the company provides them with a merchant account, either through a direct merchant ID or from a third-party provider. Once it is integrated into the merchant’s existing infrastructure, they can begin processing payments from customers.


Below is an overview of its high-risk merchant services and benefits.

  • Ninety-nine percent approval rate, as long as the business is legal
  • Fast approval and same-day setup
  • Processing of domestic and offshore transactions
  • Acceptance of multi-currency payments
  • Fast funding
  • Reliable support

A good thing to note is that the company accepts unlimited transactions, which is crucial for high-risk merchants, especially those with high-ticket or high-volume sales. Moreover, merchants are not bound by a contract. This gives them the freedom to cancel their services as needed.

To apply for a high-risk merchant account, business owners can submit a form online or contact the company via phone call.


Services Offered by Receive Pay Merchant Services

Below is a detailed list of services offered by Receive Pay Merchant Services.

Payment Processing Types

As a payment processor, RPMS caters to businesses with various types of payments. Its system is capable of accepting credit cards, ACH, and check payments.

  • Credit Card Processing

The company can process credit card payments from major companies like MasterCard, Visa, Discover, and American Express. Once payment is accepted, the company assures merchants of same-day funding.


Additionally, it is capable of level 3 credit card processing, which caters to business-to-business and business-to-government transactions. It is a good feature for large corporations and merchants in specific industries. This added layer of capability will allow such businesses to benefit from lower interchange rates.

  • ACH Processing

Receive Pay also allows merchants to accept ACH payments. These are direct bank-to-bank transfers that many businesses prefer due to their fast funding. Payments are instantly verified by banks for a more seamless transfer process.

  • Check Processing

Receive Pay caters to merchants in need of check processing. The company converts papers into an electronic form, which is then processed through a virtual terminal. Although it requires manual intervention from merchants, Receive Pay provides an easy-to-use system. Unlike processing physical checks in banks, most eCheck payments are credited to merchants immediately.

Payment Processing Methods

Receive Pay’s processing system caters to payments made in-store, online, via phone, or through the mail. That way, merchants can process card, check, and ACH payments in different business environments, such as:

  • In-person

Merchants with retail storefronts are given credit card terminals to process in-person payments. After swiping the customer’s credit card, the backend system will take care of authorizing and processing the payment. Below is a list of available terminals:

  • Basic terminal: Tranz 330
  • Premier terminal: Omni 3750
  • Classic terminal: Nurit 2085

For merchants who already have an existing terminal, Receive Pay will connect it to its payment system for free.

  • Online

eCommerce businesses have the option to process payments through their website or a virtual terminal. For website payments, Receive Pay will integrate its payment system into your existing platform. It is compatible with major shopping carts. For processing via a virtual terminal, the company will provide merchants with a web-based platform. They can encode customer details anywhere with an internet connection.


All online payment solutions come with security features to prevent fraud and chargeback, such as:

  • System filters to detect fraudulent activity
  • Authentication programs like Verified by Visa and MasterCard SecureCode
  • Address verification services (AVS) to countercheck the billing address to the cardholder details
  • Phone and Mail

Similar to online transactions, merchants with phone and mail orders will have access to a virtual terminal. This is where they will encode customers’ data for payment processing. The system also contains advanced security features to protect card details.

QuickBooks Integration and Processing

Receive Pay offers businesses the option to integrate with QuickBooks. It is an all-in-one suite that will handle the merchant’s payment processing needs. It accepts credit card, ACH, and eCheck payments all in one platform. This is particularly beneficial to small business owners who need easy solutions. That way, they can focus on growing their business. The following QuickBook apps are available for integration:

  • QuickBooks Online
  • QuickBooks Enterprise
  • QuickBooks Pro
  • QuickBooks Premier
  • QuickBooks POS
Secure System

Receive Pay’s system is PCI compliant, which means it processes card payments in line with security standards. It is also equipped with other security measures, like bank-level encryption and customer data security. This assures merchants that their customers’ details are protected against fraud. Additionally, the company has a customer vault, wherein merchants can safely keep customer information for future transactions.


Rates of Receive Pay Merchant Services

Below is a summary of RPMS’ rates, as published on its website.

Credit Card Processing
  • Credit card fees: 2.15%
  • Transaction fee: $0.20
  • Monthly fee: $19
  • Same-day funding
  • No application fee
  • No annual fee
  • No cancellation fee


ACH and eCheck Processing
  • ACH transaction fee: 0.35% + $0.20
  • Returned ACH transaction fee: $2.50
  • Conversion of a paper check to eCheck: $0.28

Additionally, the company provides merchants with a free virtual terminal.


High-risk Industries Served by Receive Pay Merchant Services

Receive Pay Merchant Services does not mention specific high-risk industries on its website. Instead, you may contact the company directly to get a proper assessment of what it can do for your business.


Reputation and Reviews of Receive Pay Merchant Services

Other than its official website, information about Receive Pay Merchant Services is limited. The company has been featured on CNN’s website and other blog sites. However, they seem to be published PR articles. They do not contain any personal merchant testimonials.

Similarly, the company does not have any review ratings from Google or independent review sites.



Receive Pay Merchant Services provides businesses with solutions for fast and easy payment processing. It offers traditional merchant services like card and checks processing, recurring billing, and same-day funding. However, it does not expound on specialized solutions for high-risk merchants. It is best to contact the company directly to discuss your options in detail.

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