AllPays review
Payment processing under review
Our full editorial review of AllPays is in progress — scores shown are preliminary.
Switch & save estimate: a $25k/month merchant paying AllPays's observed 2.66% blended rate would keep about $780/yr at the 2.4% negotiated benchmark. Run your own numbers.
- Pricing
- 2.9
- Features
- 3.5
- Ease of use
- 2.9
- Customer support
- 2.9
- User reviews
- 3.0
Key takeaways
- Advertised headline rate: 2.58%.
- Full editorial review in progress.
- Merchant statement verification pending.
Quick facts
AllPays pricing at a glance — full fee table on the fees page.
- Pricing model
- Flat rate
- Headline rate
- 2.58% + $0.10
- Monthly fee
- None
- Contract
- Varies
- Payouts
- 1-2 business days
- Hardware
- Varies
The fact check
What they advertise versus what the evidence — real merchant statements and rate reports — shows.
Headline processing rate
Not yet verifiedWhat they advertise
2.58% + $0.10
What the evidence shows
2.66% blended, across 107 rate observations (verification in progress)
We publish a verdict on rate claims only once verified merchant statements back the blended figure — collection for this provider is in progress.
Monthly cost
Checks outWhat they advertise
No monthly fee
What the evidence shows
No recurring fees on the published entry plan — statement verification in progress
Optional paid tiers exist, but the entry plan is genuinely free of recurring fees.
Payout speed
Checks outWhat they advertise
1-2 business days
What the evidence shows
Advertised schedule — merchant verification in progress
Delays cluster around risk reviews and holds rather than the normal settlement schedule.
Contract terms
Gap foundWhat they advertise
Varies
What the evidence shows
Published terms carry a commitment; read before signing
Termination clauses are where the disputes we see start — negotiate the term before signing, not after.
AllPays merchants pay 2.66% on average. What are you paying?
Upload or forward one statement and we benchmark every fee line against merchants like you — free, no card required.
Get your free rate reportRates by business size
The same provider is a different deal at different volumes. Blended effective rates observed by segment.
Smallunder $10k/mo
~2.76%
Flat pricing shines at this size: predictable and no monthly commitments.
Growing$10k - $50k/mo
~2.7%
The crossover zone: interchange-plus alternatives start beating this rate.
Establishedover $50k/mo
~2.58%
At this volume, flat-rate pricing typically costs 30-60 bps over negotiated interchange-plus.
What you'd save vs AllPays
Pre-filled with the 2.66% blended effective rate we observe for AllPays merchants — put in your own numbers.
At that rate on AllPays, versus the 2.4% benchmark merchants like you negotiate, you may be overpaying about
Estimates only. Your statement gives the real figure, fee by fee.
What the web says
Ratings aggregated from review platforms and independent critics — so you don't have to open ten tabs.
The Parity review
Five categories, individually scored. Weighted together they form the Parity Score.
Pricing
2.9
Preliminary pricing assessment from published rate cards.
AllPays publishes a headline rate of 2.58%. We are still collecting merchant statements to verify what businesses actually pay — check back as our dataset grows.
Features
3.5
Feature coverage still being catalogued.
Our analysts are still cataloguing AllPays's full feature set. The score above is preliminary, based on published materials.
Ease of use
2.9
Onboarding experience under evaluation.
Early signals on AllPays's onboarding and day-to-day usability, pending our full hands-on evaluation.
Customer support
2.9
Support channels under evaluation.
Support channel quality for AllPays is being evaluated from merchant interviews and public reviews.
User reviews
3.0
Aggregating ratings from across the web.
We aggregate ratings for AllPays from Trustpilot, Google, Capterra, and G2 as they become available.
Pros & cons
Pros
- Published rate card on file
Cons
- Limited verified merchant data so far
Who it's for
AllPays is a strong fit for
- Check back soon for our segment recommendations
Look elsewhere if
- Segment guidance is being finalized for this provider.
Timeline
Pricing changes, launches, and incidents our watchers picked up.
- Update
WooCommerce High-Risk Payment Gateway: What You Need to Know
AllPays published a guide on selecting high-risk payment gateways for WooCommerce.
- Update
Best IPTV Payment Gateway Options in 2026
AllPays released a guide detailing payment gateway options for IPTV services in 2026.
- Update
How to Accept PayPal and Settle to a Crypto Wallet (Step-by-Step)
AllPays published a tutorial on configuring PayPal payments with crypto wallet settlements.
- Update
High-Risk Merchant Account vs. Standard Merchant Account: What's the Difference?
AllPays provided an educational comparison between standard and high-risk merchant accounts.
- Update
Stripe Shut Down My Account: 7 Alternatives for High-Risk Merchants in 2026
AllPays shared a list of payment processing alternatives for high-risk merchants.
- Update
What Is a No-KYB Payment Gateway? (And Who Actually Needs One)
AllPays released an explainer on the functionality and use cases of no-KYB payment gateways.
- Policy change
Terms of Service
AllPays has updated its Terms of Service to clarify its role as a software service provider and outline user responsibilities.
- Update
Best Forex Payment Gateways in 2026 for Brokers, Signals, and Courses
AllPays published a guide for forex businesses on choosing payment gateways for 2026.
Alternatives to AllPays
Helcim85
Better if: Merchants above ~$10k/month who want interchange-plus without negotiating
Square81
Better if: New businesses taking their first card payment
Shopify79
Better if: Online-first brands of any size
Not sure which fits your business? Your statement tells us in two minutes — get your free rate report.
More provider reviews
Other providers we've reviewed with the same evidence-first methodology.
Frequently asked questions
Is AllPays a good payment processor?
We are still completing our full review of AllPays. The preliminary score combines published pricing with early rating aggregates; the verified statement data that anchors our fact-check section is being collected.
What rate do AllPays merchants actually pay?
AllPays advertises 2.58% + $0.10 as its headline rate. Across the rate observations we have collected so far, the blended effective rate — everything paid divided by everything processed — typically lands around 2.66%.
How does Parity score AllPays?
We rate five categories — pricing (35%), features (25%), ease of use (20%), support (10%), and user reviews (10%) — and combine them into the Parity Score. Ratings are based on published pricing, real merchant statements, hands-on evaluation, and aggregated reviews. No provider can pay for a rating.
Is this a paid or sponsored review?
No. Parity reviews are editorially independent. AllPays did not pay for placement, cannot buy a score, and did not review this page before publication. When we earn a referral fee it never affects rankings — the fact-check methodology is the same either way.
How we review
Parity reviews are editorially independent. No provider can pay for a rating, sponsor a review, or see it before publication. When we earn a referral fee, it never affects scores or rankings.
The Parity Score weights five categories: pricing (35%), features (25%), ease of use (20%), customer support (10%), user reviews (10%). Category ratings come from published pricing, real merchant statements, hands-on evaluation, and ratings aggregated from review platforms and independent critics.
The fact-check section is what makes this review different: we benchmark advertised claims against 2,590 data points — merchant statements, observed rates, and published rate cards — and publish where the claims hold and where they do not. Last reviewed 2026-08-12 by the Parity research team.
Read the full methodology, our editorial policy, and how we make money.