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Card processing review

Payroc

Payroc, a payments company (ISO and payment facilitator) that sells processing directly and through software partners and agents. It publishes no rates or fees, but it does publish its US terms: a 48-month initial term that renews for 24 months unless you give 90 days' notice, and an early termination fee written in your application. By default, card sales are deposited two business days after the batch closes. It offers dual pricing (ConsumerChoice) and a surcharge of up to 3% (RewardPay Choice).

By PayrocParent company: Payroc WorldAccess, LLC (private)
Not enough data to score

Not enough verified data yet

We've verified 9 of 12 key facts for this processor. Until we reach 80%, this page shows what we have, with sources, and it isn't a full review.

Our verdict

Payroc is open about its contract but not its prices. If you sign, check the termination fee and monthly minimum in Section 6 of your application, opt out of the equipment plan if you don't want it, and put the 90-day notice date for the end of the 48-month term in your calendar.

What we like

  • Publishes its full US merchant terms, current as of February 2026.
  • You can leave without the termination fee within 60 days after notice of an increase that isn't a card network pass-through.
  • Offers both dual pricing and a surcharge program.
  • Merchant support by phone and email on weekdays, plus an after-hours line.

What to watch

  • 48-month initial term, longer than most, renewing for 24 months unless you give 90 days' notice.
  • No published rates or fees; the termination fee, monthly minimum, PCI and annual fees are all in your application.
  • A paid equipment protection plan is added automatically unless you opt out, and each unreturned device costs $525.
  • Reserves can be held for at least 270 days after you leave.
  • By default, card sales arrive two business days after you close the batch; faster deposit schedules are paid options.

How the score breaks down

RTC ScoreNot enough data

Methodology v0.1.0

We could verify less than 60% of what we score, so we don't rank it.

Data completeness48%

We could verify 48% of the scoring data

Strongest points
24/7 support, Price increases during the contract, Standard deposit speed
Weakest point
Published pricing

Score by criterion

  • 12-month cost of the reference restaurantWeight 37%No data
  • Standard deposit speedWeight 11%Strongest5.0 out of 10
  • What leaving in month 12 costsWeight 9%No data
  • Price increases during the contractWeight 8%Strongest7.0 out of 10
  • Published pricingWeight 7%Weakest0.0 out of 10
  • 24/7 supportWeight 6%Strongest10.0 out of 10
  • Contract termWeight 4%2.5 out of 10
  • Support channelsWeight 4%6.0 out of 10
  • No equipment lease you can't cancelWeight 3%No data
  • Works with restaurant POS systemsWeight 3%1.7 out of 10
  • Automatic renewalWeight 2%2.5 out of 10
  • Equipment works with another processorWeight 2%No data
  • Offers dual pricing or a surcharge programWeight 2%10.0 out of 10
  • Works without the vendor's own POSWeight 1%10.0 out of 10

Before you pass the card fee to your customers

This vendor offers a program that passes the card cost to your customers. Card network rules cap credit card surcharges (Visa 3%, Mastercard 4%) and never allow them on debit, and some states ban or limit them.

This is general information, not legal advice. Card network rules and state laws change, and how they apply depends on your business: check with a lawyer and with your processor before adding a surcharge or a cash discount.

See the rules by state

All the data, with sources

Each value links to its source. "Not published" means the vendor doesn't disclose it; "Unconfirmed" means we looked and couldn't confirm it. Data points we have for fewer than four vendors are left out until we can compare them.

Type of processor and pricing
Data pointValue
Type of processorProcessor or its sales partners (acquirer, ISO)Source: Payroc (opens in a new tab)A registered ISO and payment facilitator that processes for merchants directly and through software partners and sales agents.
Pricing modelOnly by quoteSource: Payroc (opens in a new tab)Payroc offers interchange-plus, "IC++" tiered pricing (separate markups for qualified, mid-qualified and non-qualified transactions), flat rate on request, and surcharge and dual pricing programs; it publishes no rates.
Published pricing (points out of 100)0Source: Payroc (opens in a new tab)Same rubric for every vendor: in-person rate 0, online or keyed rate 0, markup or monthly fee 0, early termination fee 0 (set in the application), other fees 0 (PCI, statement, annual, batch and chargeback fees are in the application). Its terms do publish a few fees outside the rubric ($599 per creditor notice, $35 per returned debit, $525 per unreturned device).
Card rates
Data pointValue
In-person rateQuote onlySource: Payroc (opens in a new tab)Payroc publishes no rates or fees: they are set in Section 6 (Rates & Fees) of your application.
In-person fee per transactionQuote onlySource: Payroc (opens in a new tab)Payroc publishes no rates or fees: they are set in Section 6 (Rates & Fees) of your application.
Online rateQuote onlySource: Payroc (opens in a new tab)Payroc publishes no rates or fees: they are set in Section 6 (Rates & Fees) of your application.
Online fee per transactionQuote onlySource: Payroc (opens in a new tab)Payroc publishes no rates or fees: they are set in Section 6 (Rates & Fees) of your application.
Keyed-in rateQuote onlySource: Payroc (opens in a new tab)Payroc publishes no rates or fees: they are set in Section 6 (Rates & Fees) of your application.
Keyed-in fee per transactionQuote onlySource: Payroc (opens in a new tab)Payroc publishes no rates or fees: they are set in Section 6 (Rates & Fees) of your application.
American Express pricingQuote onlySource: Payroc WorldAccess, LLC (opens in a new tab)Payroc accepts American Express under the OptBlue program; its price is set in your application.
American Express rateQuote onlySource: Payroc (opens in a new tab)Payroc publishes no rates or fees: they are set in Section 6 (Rates & Fees) of your application.
Rates by monthly volumeNot publishedSource: Payroc (opens in a new tab)Payroc publishes no rates by volume.
Monthly and other fees
Data pointValue
Monthly account or plan feeQuote onlySource: Payroc WorldAccess, LLC (opens in a new tab)Payroc publishes no rates or fees: they are set in Section 6 (Rates & Fees) of your application.
Annual fee per accountQuote onlySource: Payroc WorldAccess, LLC (opens in a new tab)The terms charge a nonrefundable annual renewal fee each year; the amount is in your application.
Annual fees per device or locationQuote onlySource: Payroc WorldAccess, LLC (opens in a new tab)Payroc publishes no rates or fees: they are set in Section 6 (Rates & Fees) of your application.
PCI compliance fee (yearly)Quote onlySource: Payroc (Support Hub) (opens in a new tab)Payroc charges a Platinum Security PCI fee, monthly or yearly, for access to SecureTrust's PCI Manager, plus a PCI noncompliance fee for each month you don't comply; the amounts are in your application.
PCI non-compliance fee (monthly)Quote onlySource: Payroc WorldAccess, LLC (opens in a new tab)A PCI non-compliance fee from your application, charged for the whole month if you're out of compliance at any point in it.
Statement feeQuote onlySource: Payroc WorldAccess, LLC (opens in a new tab)Payroc publishes no rates or fees: they are set in Section 6 (Rates & Fees) of your application.
Monthly minimumQuote onlySource: Payroc WorldAccess, LLC (opens in a new tab)If your monthly fees fall below the minimum in your application, you pay the difference.
Fee per batchQuote onlySource: Payroc WorldAccess, LLC (opens in a new tab)Payroc publishes no rates or fees: they are set in Section 6 (Rates & Fees) of your application.
Chargeback feeQuote onlySource: Payroc WorldAccess, LLC (opens in a new tab)Payroc publishes no rates or fees: they are set in Section 6 (Rates & Fees) of your application.
Other feesPer Payroc's US terms: $599 if a secured creditor of yours sends Payroc a notice, $35 for each returned debit (NSF), $525 for each piece of Payroc equipment not returned within 14 business days after the agreement ends, a retrieval fee, a transaction and assessment fee on every refund, monthly fees for Next Day Funding or Same Day Money Express if you choose them, and automatic enrollment in a monthly Hardware Advantage Plan for equipment bought or leased through Payroc unless you opt out. If Payroc ends the agreement over a rules or law violation, the termination fee becomes $1,500.Source: Payroc WorldAccess, LLC (opens in a new tab)From Payroc's US Merchant Terms and Conditions (updated February 17, 2026), linked from payroc.com/legal; rates and fees go in Section 6 of your application. Payroc's statement guide (updated October 1, 2026) also lists monthly maintenance, annual, batch, Platinum Security PCI, Regulatory Assistance Program (1099-K), address verification, PIN debit, wireless and voice authorization fees, without amounts.
Equipment
Data pointValue
How you get the equipmentYou buy it, Lease, Use compatible equipment you haveSource: Payroc WorldAccess, LLC (opens in a new tab)You can buy or lease equipment through Payroc, use your own compatible terminal, or lease one from a third party; Payroc can also lend equipment, which must be returned when the agreement ends.
Price of a countertop terminalNot publishedSource: Payroc (opens in a new tab)Payroc publishes no terminal prices.
Equipment lease you can't cancelUnconfirmedSource: Payroc WorldAccess, LLC (opens in a new tab)Payroc offers leases but doesn't publish the lease terms, so we can't tell whether they can be canceled.
Equipment lease termNot publishedSource: Payroc WorldAccess, LLC (opens in a new tab)Lease terms aren't published.
Equipment at $0 upfront: what it commits you toEquipment Payroc lends you must be returned at your cost within 14 business days after the agreement ends; each piece not returned costs $525, on top of any early termination fee.Source: Payroc WorldAccess, LLC (opens in a new tab)From Payroc's US Merchant Terms and Conditions (updated February 17, 2026), linked from payroc.com/legal; rates and fees go in Section 6 of your application.
Equipment only works with this processorUnconfirmedSource: Payroc WorldAccess, LLC (opens in a new tab)Payroc's terms don't say whether equipment bought through it works with another processor.
Getting your money
Data pointValue
Standard deposit speedTwo business daysSource: Payroc (Support Hub) (opens in a new tab)Payroc calls its default schedule Next Day Funding and says it comes at no additional cost, but its own table shows that a batch closed on Monday night is deposited on Wednesday. Money Express AM (same day) and Money Express PM (next day) are paid options. Payroc's US terms (February 2026) describe Next Day Funding as a program with a monthly fee, so check your application.
Instant payout feeUnconfirmedSource: Payroc WorldAccess, LLC (opens in a new tab)Payroc publishes no instant payout priced as a percentage; its faster funding options carry a monthly fee.
Holds and reservesPayroc or its bank can set up a non-interest-bearing reserve from your sales whenever they decide in good faith that one is warranted (for example, a change in your business or excessive chargebacks), and keep the funds for at least 270 days after the agreement ends.Source: Payroc WorldAccess, LLC (opens in a new tab)From Payroc's US Merchant Terms and Conditions (updated February 17, 2026), linked from payroc.com/legal; rates and fees go in Section 6 of your application.
Contract and exit
Data pointValue
Contract term48 monthsSource: Payroc WorldAccess, LLC (opens in a new tab)From Payroc's US Merchant Terms and Conditions (updated February 17, 2026), linked from payroc.com/legal; rates and fees go in Section 6 of your application.
Automatic renewal24 monthsSource: Payroc WorldAccess, LLC (opens in a new tab)Renews for 24 months at a time, or a shorter period where the law requires it.
Notice to avoid renewal90 daysSource: Payroc WorldAccess, LLC (opens in a new tab)
Notice to cancel90 daysSource: Payroc WorldAccess, LLC (opens in a new tab)To end the agreement at the end of a term, give written notice at least 90 days before.
Early termination feeQuote onlySource: Payroc WorldAccess, LLC (opens in a new tab)If you end the agreement before the 48-month initial term is over, you pay the termination fee in the Rates & Fees section of your application (or the legal maximum, if lower) as liquidated damages; $1,500 if Payroc ends it over a rules or law violation; plus $525 per unreturned device. No fee if you leave within 60 days after notice of a non-pass-through increase.
How the early termination fee is calculatedSet in your application or quoteSource: Payroc WorldAccess, LLC (opens in a new tab)The termination fee is the amount in the Rates & Fees section of your application or the most the law allows, whichever is less; $1,500 if Payroc ends the agreement over a rules or law violation. From Payroc's US Merchant Terms and Conditions (updated February 17, 2026), linked from payroc.com/legal; rates and fees go in Section 6 of your application. During the term, the same terms make Payroc your exclusive provider of the services (§7.A).
Liquidated damages clauseYesSource: Payroc WorldAccess, LLC (opens in a new tab)
Price increases during the contractWith notice, and you can leave without a feeSource: Payroc WorldAccess, LLC (opens in a new tab)Payroc may change rates and fees with 30 days' notice; if you end the agreement within 60 days after notice of an increase (other than card network pass-throughs), there's no termination fee. That exit only waives the termination fee: the $525 charge for each piece of equipment you don't return still applies.
Right to raise pricesPayroc or its bank may amend, add to or modify rates and fees at their discretion with 30 days' notice, sent by mail, email or with your statement; processing after the effective date means you accept. Interchange and card network pass-throughs change without notice. You can leave without the termination fee within 60 days after notice of an increase that isn't a pass-through.Source: Payroc WorldAccess, LLC (opens in a new tab)From Payroc's US Merchant Terms and Conditions (updated February 17, 2026), linked from payroc.com/legal; rates and fees go in Section 6 of your application.
Personal guarantee by the signerYesSource: Payroc WorldAccess, LLC (opens in a new tab)Guarantors who sign answer personally for chargebacks and related fees and fines, and authorize credit checks.
Dual pricing and surcharges
Data pointValue
Dual pricing or surcharge programYesSource: Payroc (opens in a new tab)ConsumerChoice is a dual pricing program (one price for every card, a lower cash or ACH price) and RewardPay Choice a surcharge of up to 3% on credit cards (up to 2% in Oklahoma; Payroc says it isn't available in Connecticut, New York, Massachusetts and Maine). With dual pricing, card processing costs your restaurant $0 in our estimate and your customers pay the difference. Card network rules and state laws apply.
Cards the program coversEvery card, debit and credit (dual pricing or cash discount)Source: Payroc (opens in a new tab)Payroc offers a surcharge (credit cards only) and dual pricing (every card); when a vendor offers both, we use the program that covers every card, the same for every vendor. Payroc doesn't publish the dual pricing percentage, so what your customers pay shows as not published; the RewardPay Choice surcharge (up to 3%) is shown as the alternative and isn't added to our estimate.
Monthly fee for the programNot publishedSource: Payroc (opens in a new tab)Payroc doesn't publish what its programs cost the merchant.
Your POS and your business
Data pointValue
Works with these restaurant POSOthersSource: Payroc (opens in a new tab)Payroc integrates with many POS and software platforms, but names none of the restaurant POS on our list.
Requires the vendor's own POSNoSource: Payroc (opens in a new tab)Payroc processes for its own terminals and for other platforms.
Monthly volume it's built forUnconfirmedSource: Payroc (opens in a new tab)Payroc states no minimum volume.
Accepts high-risk businessesUnconfirmedSource: Payroc (opens in a new tab)Payroc doesn't say on its merchant pages whether it accepts high-risk businesses.
Routes debit to the lowest-cost networkUnconfirmedSource: Payroc (opens in a new tab)Payroc doesn't publish how it routes debit.
Support
Data pointValue
24/7 support for merchantsYesSource: Payroc (Support Hub) (opens in a new tab)Payroc's merchant support answers on weekdays during business hours (8 a.m. to 5 p.m. Eastern or 8 a.m. to 6 p.m. Central, depending on the processor behind your account); outside those hours its help center sends you to that processor's after-hours line (Worldpay, Fiserv or TSYS).
Support channelsPhone, Email or formSource: Payroc (Support Hub) (opens in a new tab)Phone lines for merchant and technical support, a support email and a contact form in its help center.
Language
Data pointValue
Support in SpanishUnconfirmedSource: Payroc (opens in a new tab)Payroc doesn't say whether support is available in Spanish.
Merchant dashboard in SpanishUnconfirmedSource: Payroc (opens in a new tab)Payroc doesn't say whether its merchant portal is available in Spanish.
Contract or terms in SpanishNoSource: Payroc WorldAccess, LLC (opens in a new tab)The US terms are published in English (Canadian terms also in French); we found no Spanish version. Same rule for every vendor: we mark it "No" when we searched and found the terms only in other languages.
US website in SpanishNoSource: Payroc (opens in a new tab)payroc.com has English and Canadian French pages; we found no Spanish version in its sitemap.

More about Payroc

How we score