Victory Payments Review

April 4, 2022

Victory Payments provides payment processing solutions for businesses. The company offers tailor-fit services and cost-effective rates for all types of industries. It has decades of experience and has worked with thousands of merchants.

Below is an overview of merchant services offered by Victory Payments:

  • High-risk merchant accounts
  • Payment gateway and online portal
  • Payment processing for credit cards, ACH payments, and e-checks
  • Fraud prevention tools
  • E-commerce integrations

Victory Payments Merchant Services

High-Risk Merchant Accounts

Victory Payments caters to high-risk businesses with its specialty risk accounts. The company helps business owners secure merchant accounts, which will give them access to various payment processing solutions.


It also guarantees fast approval, lower processing fees, chargeback and fraud protection, and fast access to funds. The company can also help merchants get approved for higher volume limits and minimize or eliminate reserves.

  • Payment Gateway

Along with a merchant account, businesses will have access to a payment gateway platform. It can support multiple merchant accounts. It comes with a virtual terminal to accept payments from your browser. It can also integrate into a merchant’s e-commerce website.

Apart from payment processing, the payment gateway has tools for a safe and efficient payment process. This includes batch processing, electronic invoicing, recurring billing, and fraud prevention. Merchants will also have access to comprehensive reports, inventory management, and account management tools. Merchants who use Quickbooks can also take advantage of SyncPay tools.

  • Payment Processing

Victory Payments enables merchants to process all types of payments, including credit cards, ACH payments, e-checks, and digital checks.  Major credit cards are accepted, such as MasterCard, Visa, and more. For e-check payments, Victory Payments provides a virtual terminal for seamless and secure processing. Merchants can also send multiple checks in a CSV file.

  • E-commerce Integrations

Victory Payments offers various integration options. For one, it can integrate with major shopping carts. For merchants without developers, the company provides a QuickClick shopping cart. Merchants can build a payment page without technical experience.


Chargeback Prevent and Fraud Protection

The payment gateway is equipped with security and fraud detection tools. This includes iSpy Fraud, which is a fraud scrubbing tool to identify suspicious transactions in real-time. It also comes with payer authentication tools like Verified by Visa and MasterCard SecureCode. Customer vault is another feature to encrypt and protect customer card data. The gateway is PCI-compliant and can include vulnerability scans for an additional fee.

E-checks and ACH payments will go through the company’s robust verification system to ensure legitimate transactions. Mobile transactions are verified as well. Merchants can require authorization through text, email, pin input, and automated calls.

Victory Payments Fees, Rates, and Pricing

  • Processing Fees – Victory Payments does not disclose its processing fees online. It offers tailor-fit solutions and rates depending on the merchant’s needs, industry, and other considerations.
  • Additional Fees – Likewise, the company does not provide fees for other services. Its website mentions free setup and application.
  • Hidden Charges – Given that the company is not transparent with its fees, it is best to discuss all pricing details with the company to avoid any hidden charges.

Victory Payments Complaints

Victory Payments barely has any customer reviews online. In that regard, there is currently only one public complaint against the company.

  • Rip Off Reports – There are currently no accusations of the company being a rip-off or scam.
  • Other Complaints – The lone complaint gave the company a 1-star rating on Facebook. The merchant claimed that the company was not a good option for small businesses.
Victory Payments BBB Rating

Victory Payments has been an accredited company by the BBB since 2015. It currently has an A+ rating.

BBB Reviews

The company does not have any BBB reviews or complaints.

Is Victory Payments Legitimate?

Victory Payments is a legitimate company with over two decades of experience. It was established in 1999. Will Harovas is listed as its CEO on LinkedIn. According to its website, its payment platform has been used by over 400,000 merchants. It also includes several reviews from satisfied clients. These include companies like Intrix, Family Financial Centers, GulfCoat, Foster & Morris LLC, and more.


Outside its website, Victory Payments has a very limited online presence. Other than its BBB profile page, there don’t seem to be any PR articles or independent reviews about the company. Victory Payments is based in Connecticut. Its office address and contact details are available online.

Scams – There are currently no reports of scams or fraud involving Victory Payments.

Lawsuits – Similarly, there are no lawsuits against Victory Payments.

Victory Payments Customer Reviews

The Victory Payments website includes several testimonials and reviews from merchants. They praise the company for its innovative solutions, fast and seamless approval, and proactive customer support. They also highlight the company’s efficient solutions for ACH and check payments.

Some have been working with the company for years and attribute a big part of their growth and success to them. Other than its website reviews, there are no customer reviews for the company on Google, Trustpilot, and the like.


Overall, Victory Payments seems to be a knowledgeable and capable company in the merchant services industry. Its decades-long experience includes over 400,000 clients. The company offers a wide variety of payment processing solutions.

It also prioritizes security as seen in its robust fraud prevention technologies. While its online presence is limited, the company’s credibility is supported by positive merchant reviews.

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