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ProPay Review

ProPay
Our score: 8.4 User satisfaction: 100%

What is ProPay?

ProPay is a secure and innovative payment solution that provides payment processing tools and capabilities for a wide variety of industries. It is used by direct selling companies, payment facilitators, software providers, online sellers, Internet service providers, medical practitioners, developers, non-governmental organizations, and government agencies. Suitable for small businesses and large enterprises, ProPay allows merchants and companies to accept credit and debit card payments anywhere and anytime using its mobile app and mobile card reader.

ProPay also offers online payment processing features which permit the sending of invoices to customers via email or text messaging and adding shopping carts to websites. With ProPay, companies and businesses can accept credit card, debit card, and ACH payments in a way that secures and protects sensitive payment data. Last but not least, the solution delivers a robust payment network which facilitates the disbursement of commissions and payouts to independent contractors and distributors, splitting of transaction proceeds between the parties involved in transactions, as well as simplifies the wholesale purchase process.

 

Overview of ProPay Benefits

Accept Credit/Debit Card Payments From Smartphones

ProPay delivers mobile payment processing solutions which make it much easier for companies, businesses, and merchants to accept credit and debit card payments from customers. One of these mobile payment solutions is its mobile card reader called ProPay JAK. ProPay JAK can be connected to most smartphones, allowing users to accept credit and debit card payments from their iOS or Android devices anywhere and anytime.

ProPay JAK has the capability to capture customers’ signatures at the point of sale. At the moment of swipe, it protects sensitive payment data with encryption, helping users ensure to customers that their vulnerable and confidential data is secured. ProPay JAK, likewise, provides users with lower swipe rates.

Process Payments From PC Or Laptop

Users can also take advantage of ProPay’s flash card reader. This is another mobile card reader that they can connect to any Internet-enabled PC or laptop. Interestingly, this mobile card reader, which is referred to as ProPay Flash, can actually work even if the computer or laptop is currently not connected to the Internet. It can save up to 71 credit card or debit card transactions which can be processed when the computer regains access to the Internet.  Additionally, it deletes all the transactions from the device after they are processed. However, for billing purposes, users can store customers’ card data in ProPay’s secure database.

Make Money On The Go With Mobile App

As part of its mobile payment processing solutions, ProPay offers a mobile app that can be downloaded from Google Play or App Store for free. This mobile app can work seamlessly with the ProPay JAK  mobile card reader for processing credit card and debit card payments. With ProPay’s mobile app, funds can be transferred between ProPay accounts.  It can also be used for sending invoices through email or text, as well as for managing account features.

Robust Payment Network

Developed and established for large companies, ProPay has a robust payment network that speeds up the movement of money and funds between merchants, affiliates, consultants, and partners in a global context. This global payment network is comprised of a suite services that lets companies quickly pay the commissions earned by their distributors or independent contractors, transfer money to vendors or suppliers in real time, and enable customers to pay for goods or services in the currency they prefer. The payment network allows all of these to be done through a single point of integration.

Payment Splitting Functionality

As part of its payment network, ProPay features a payment splitting functionality by which card payments are instantly divided among the multiple parties in the transactions. For instance, when customers make purchases through a distributor, the proceeds from sales are immediately divided between the distributor and the wholesale organization, giving each party its share of the transaction proceeds. 

Spend Back

There is another feature in ProPay’s payment network which is called SpendBack. With this feature, distributors can pay for wholesale orders directly from their ProPay account. This helps wholesalers save money, as they are able to reduce the cost of paying on wholesale orders. As distributors receive their commissions through their ProPay account, they can use the money or funds from their account to purchase more products from wholesalers. Therefore, it simplifies the wholesale purchase process, encourages distributor activity and higher reinvestments from distributors, and reduces transaction costs.

Tokenize Sensitive Payment Data For Security

To wrap it up, ProPay delivers a payment security solution that ensures that customer payment data is safe and secure, whether such data comes from credit card, debit card, or ACH (Automated Clearing House) payments. Aside from encryption, ProPay uses tokenization to protect payment data. Tokenization is a data security process wherein existing payment data is replaced by tokens. As an example, once payment data such as a credit card number is substituted with a token, the POS terminal captures the token and passes it to the merchant’s internal systems where it is stored. Therefore, the token is the one that gets stored in the POS terminal or in any of the merchant’s internal system, not the customer’s sensitive data.

Overview of ProPay Features

  • Accept Credit/Debit Card Payments On The Go
  • Mobile Card Readers
  • Process Payments Through Mobile App
  • Merchant Account
  • Email And Text Invoicing
  • Online Virtual Terminal
  • Prepaid Debit Mastercard
  • Connect, Communicate, And Collaborate With Team
  • Robust Global Payment Network
  • Global Disbursements And Payouts
  • Commission Payments
  • Payment Splitting Functionality
  • Spend Back
  • Credit Card Updater
  • Fraud Protection
  • Tokenization Service

ProPay Position In Our Categories

Since businesses have distinctive business-related demands, it is only sensible that they avoid buying an all-in-one, ”best” solution. Having said that, it is futile to try to come across such an app even among well-known software systems.
The reasonable thing to undertake should be to note down the various main aspects which need deliberation like major features, price terms, technical skill levels of staff members, company size, etc. The second step is, you must double down on your research exhaustively. Read some ProPay evaluations and scrutinize each of the applications in your shortlist in detail. Such detailed research guarantees you stay away from unfit applications and subscribe to the system which delivers all the tools your business requires.

Position of ProPay in our main categories:

TOP 50

ProPay is one of the top 50 Mobile Payment Systems products

If you are considering ProPay it could also be a good idea to analyze other subcategories of Mobile Payment Systems gathered in our base of SaaS software reviews.

It's important to note that almost no app in the Mobile Payment Systems category is a perfect solution that can match all the requirements of various business types, sizes and industries. It may be a good idea to read a few ProPay Mobile Payment Systems reviews first as certain services might dominate only in a really narrow group of applications or be prepared with a really specific type of industry in mind. Others can work with an idea of being easy and intuitive and as a result lack advanced features desired by more experienced users. You can also find apps that support a broad group of customers and offer a powerful feature set, however this usually comes at a more significant cost of such a solution. Make sure you're aware of your requirements so that you select a solution that has specifically the features you look for.

How Much Does ProPay Cost?

ProPay Pricing Plans:

Free Trial

Platinum Card Reader

$69.95

Premium+Card Reader

$39.95

PremiuM

$41.95

With no hidden fees and monthly minimums, ProPay charges the following transaction, sign up, and renewal fees for small business merchant accounts. For its enterprise pricing plans and services, please contact the vendor to get more information:

Small Business Merchant Account Pricing

Platinum Card Reader

  • Ways To Accept Payments
    • Online Terminal
    • Mobile Application
    • Mobile Website
    • Touchtone Phone
    • Buy It Now Button
    • Donate Now Button
    • Stored Cards
    • JAK Mobile Card Reader
  • Rates/Fees/Limits
    • Visa (swiped/keyed) – 2.40% + $0.00, 3.35% + $0.00
    • MasterCard (swiped/keyed) – 2.40% + $0.00,   3.35% + $0.00
    • American Express (swiped/keyed) – 3.20% + $0.00, 3.20% + $0.00
    •  Discover (swiped/keyed) – 2.40% + $0.00,   3.35% + $0.00
    • Bank Transfer – $0.30
    • Single Transaction Limit – $500
    • Monthly Transactions Limit – $3,000
  • Other Features
    • PrePaid MasterCard Debit Card
    • PCI Compliance
    • Emal/Phone Support
  • Sign Up Cost – $69.95
  • Renewal Cost – $69.95 (Annually)

Premium+Card Reader

  • Ways To Accept Payments
    • Online Terminal
    • Mobile Application
    • Mobile Website
    • Touchtone Phone
    • Buy It Now Button
    • Donate Now Button
    • Stored Cards
    • JAK Mobile Card Reader – $10.00
  • Rates/Fees/Limits
    • Visa (swiped/keyed) – 2.60% + $0.00, 3.55% + $0.00
    • MasterCard (swiped/keyed) – 2.60% + $0.00, 3.55% + $0.00
    • American Express (swiped/keyed) – 3.40% + $0.00, 3.40% + $0.00
    •  Discover (swiped/keyed) – 2.60% + $0.00, 3.55% + $0.00
    • Bank Transfer – $0.35
    • Single Transaction Limit – $500
    • Monthly Transactions Limit – $3,000
  • Other Features
    • PrePaid MasterCard Debit Card
    • PCI Compliance
    • Emal/Phone Support
  • Sign Up Cost – $39.95
  • Renewal Cost – $39.95 (Annually)

PremiuM

  • Ways To Accept Payments
    • Online Terminal
    • Mobile Application
    • Mobile Website
    • Touchtone Phone
    • Buy It Now Button
    • Donate Now Button
    • Stored Cards
    • JAK Mobile Card Reader – $10.00
  • Rates/Fees/Limits
    • Visa (swiped/keyed) – 2.60% + $0.00, 3.55% + $0.00
    • MasterCard (swiped/keyed) – 2.60% + $0.00, 3.55% + $0.00
    • American Express (swiped/keyed) – 3.40% + $0.00, 3.40% + $0.00
    •  Discover (swiped/keyed) – 2.60% + $0.00, 3.55% + $0.00
    • Bank Transfer – $0.35
    • Single Transaction Limit – $500
    • Monthly Transactions Limit – $3,000
  • Other Features
    • PrePaid MasterCard Debit Card
    • PCI Compliance
    • Emal/Phone Support
  • Sign Up Cost – $41.95
  • Renewal Cost – $41.95 (Annually)

User Satisfaction

Positive Social Media Mentions 43
Negative Social Media Mentions 0

We realize that when you make a decision to buy Mobile Payment Systems it’s important not only to see how experts evaluate it in their reviews, but also to find out if the real people and companies that buy it are actually satisfied with the product. That’s why we’ve created our behavior-based Customer Satisfaction Algorithm™ that gathers customer reviews, comments and ProPay reviews across a wide range of social media sites. The data is then presented in an easy to digest form showing how many people had positive and negative experience with ProPay. With that information at hand you should be equipped to make an informed buying decision that you won’t regret.

Video

Technical details

Devices Supported

  • Windows
  • Linux
  • Android
  • iPhone/iPad
  • Mac
  • Web-based

Deployment

  • Cloud Hosted
  • Open API

Language Support

Pricing Model

  • Quote-based

Customer Types

  • Small Business
  • Large Enterprises
  • Medium Business

What Support Does This Vendor Offer?

  • email
  • phone
  • live support
  • training
  • tickets

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ProPay Comparisons

What are ProPay pricing details?

ProPay Pricing Plans:

Free Trial

Platinum Card Reader

$69.95

Premium+Card Reader

$39.95

PremiuM

$41.95

With no hidden fees and monthly minimums, ProPay charges the following transaction, sign up, and renewal fees for small business merchant accounts. For its enterprise pricing plans and services, please contact the vendor to get more information:

Small Business Merchant Account Pricing

Platinum Card Reader

  • Ways To Accept Payments
    • Online Terminal
    • Mobile Application
    • Mobile Website
    • Touchtone Phone
    • Buy It Now Button
    • Donate Now Button
    • Stored Cards
    • JAK Mobile Card Reader
  • Rates/Fees/Limits
    • Visa (swiped/keyed) – 2.40% + $0.00, 3.35% + $0.00
    • MasterCard (swiped/keyed) – 2.40% + $0.00,   3.35% + $0.00
    • American Express (swiped/keyed) – 3.20% + $0.00, 3.20% + $0.00
    •  Discover (swiped/keyed) – 2.40% + $0.00,   3.35% + $0.00
    • Bank Transfer – $0.30
    • Single Transaction Limit – $500
    • Monthly Transactions Limit – $3,000
  • Other Features
    • PrePaid MasterCard Debit Card
    • PCI Compliance
    • Emal/Phone Support
  • Sign Up Cost – $69.95
  • Renewal Cost – $69.95 (Annually)

Premium+Card Reader

  • Ways To Accept Payments
    • Online Terminal
    • Mobile Application
    • Mobile Website
    • Touchtone Phone
    • Buy It Now Button
    • Donate Now Button
    • Stored Cards
    • JAK Mobile Card Reader – $10.00
  • Rates/Fees/Limits
    • Visa (swiped/keyed) – 2.60% + $0.00, 3.55% + $0.00
    • MasterCard (swiped/keyed) – 2.60% + $0.00, 3.55% + $0.00
    • American Express (swiped/keyed) – 3.40% + $0.00, 3.40% + $0.00
    •  Discover (swiped/keyed) – 2.60% + $0.00, 3.55% + $0.00
    • Bank Transfer – $0.35
    • Single Transaction Limit – $500
    • Monthly Transactions Limit – $3,000
  • Other Features
    • PrePaid MasterCard Debit Card
    • PCI Compliance
    • Emal/Phone Support
  • Sign Up Cost – $39.95
  • Renewal Cost – $39.95 (Annually)

PremiuM

  • Ways To Accept Payments
    • Online Terminal
    • Mobile Application
    • Mobile Website
    • Touchtone Phone
    • Buy It Now Button
    • Donate Now Button
    • Stored Cards
    • JAK Mobile Card Reader – $10.00
  • Rates/Fees/Limits
    • Visa (swiped/keyed) – 2.60% + $0.00, 3.55% + $0.00
    • MasterCard (swiped/keyed) – 2.60% + $0.00, 3.55% + $0.00
    • American Express (swiped/keyed) – 3.40% + $0.00, 3.40% + $0.00
    •  Discover (swiped/keyed) – 2.60% + $0.00, 3.55% + $0.00
    • Bank Transfer – $0.35
    • Single Transaction Limit – $500
    • Monthly Transactions Limit – $3,000
  • Other Features
    • PrePaid MasterCard Debit Card
    • PCI Compliance
    • Emal/Phone Support
  • Sign Up Cost – $41.95
  • Renewal Cost – $41.95 (Annually)

What integrations are available for ProPay?

ProPay integrates with the following services, solutions, and back-office systems:

  • ThreatMetrix
  • EventSpot
  • ControlScan
  • Deductr
  • 3DCart
  • InfoTrax Systems
  • Jenkon
  • Prodigix Software
  • Trinity Software Firestorm
  • iMatrix Software
  • Party Plan Solutions
  • IDSTC
  • Naxum
  • Internet Nexstep
  • Xirect Software Solutions
  • DirectScale
  • doForms
  • WP eCommerce
  • Coolfront Technologies
  • Aptexx
  • Salon Suite Solutions
  • Axus
  • AnywhereCommerce
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