ProPay
Payment processing software
Enterprise payment software
Payment software
Accounting & finance software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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$14.95 per year
Free Trial unavailableFree version unavailable
Small
Medium
Large
- Retail and wholesale
- Healthcare and life sciences
- Accommodation and food services
What is ProPay
ProPay is a payment processing platform that enables businesses and platforms to accept and manage electronic payments, including card-not-present and card-present transactions. It is commonly used by small and mid-sized businesses, associations, and software/platform providers that need embedded or managed payment capabilities. The product emphasizes merchant onboarding, risk controls, and APIs for integrating payments into third-party applications. It also supports operational features such as reporting and settlement management for payment programs.
APIs for embedded payments
ProPay provides integration options that allow software platforms and service providers to embed payment acceptance into their own workflows. This supports use cases such as marketplace-style payments, pay-by-link, and in-app checkout experiences. For teams building payment-enabled products, API-based integration can reduce reliance on manual payment collection. It also enables more control over the end-user payment experience than redirect-based approaches.
Merchant onboarding and controls
The platform includes capabilities oriented around merchant account provisioning and ongoing monitoring. This is relevant for organizations that need to onboard many payees or sub-merchants under a single program. Built-in controls can help standardize underwriting and reduce operational overhead compared with ad hoc merchant setups. These features are typically important in enterprise payment programs and partner-led distribution models.
Supports multiple payment channels
ProPay supports common payment acceptance scenarios, including online payments and in-person card acceptance via compatible hardware. This allows businesses to consolidate payment operations across channels rather than using separate providers for each. Consolidation can simplify reconciliation and reporting across sales touchpoints. It also supports organizations that take payments both in the field and through digital invoices or portals.
Limited all-in-one business suite
ProPay focuses primarily on payments rather than providing a broad small-business operating suite. Organizations looking for tightly integrated scheduling, CRM, marketing automation, and client communications may need additional systems. This can increase integration and administration work compared with platforms that bundle payments with front-office tools. Fit and total cost depend on how much surrounding functionality is required.
Pricing can be program-specific
Payment processing costs and program fees often vary based on transaction volumes, risk profile, and the specific payment program configuration. This can make it harder to estimate total cost without a detailed quote and underwriting review. For buyers comparing providers, lack of standardized public pricing can slow evaluation. Contract terms and fee schedules should be reviewed carefully for pass-through and ancillary fees.
Integration and support dependency
API-driven implementations typically require developer resources and ongoing maintenance as requirements change. If a business relies on a third-party platform integration, payment operations may depend on that platform’s implementation quality and update cadence. Troubleshooting can involve multiple parties (merchant, platform, processor), which can extend resolution times. This is a common operational consideration for embedded payments models.
Plan & Pricing
| Plan | Price | Key features & notes |
|---|---|---|
| Trial / Basic | $14.95 per year (annual) | Payment Services Agreement lists "Annual Fee Summary (Trial and Basic Accounts) $14.95"; limited features; affiliate-specific limits may apply. |
| Premium (example: Mary Kay affiliate) | $39.95 per year | Mary Kay "Premium" ProPay account: processing fee 2.69% + $0.30 per transaction; funds available <24 hours; internet & telephone processing included. |
| Typical / Standard (general ProPay accounts) | Annual membership fee: varies by account (official pages list "up to $299.95" and elsewhere "up to $399.95" annually); Processing: up to 3.50% + $0.35 per transaction (Visa/MC/Discover); AmEx up to 3.75% | Official Schedule of Fees and Payment Services Agreement show ranges; many rates and annual fees are affiliate- or account-type-specific. |
| XML Authorization Interface (add-on) | $395 first year; $195 each subsequent year | XML/API integration fee (annual) as stated on ProPay's FAQ/Docs; additional processing limits and integration requirements apply. |
Seller details
TSYS
Lehi, Utah, United States
1997
Subsidiary
https://www.propay.com/
https://x.com/propay
https://www.linkedin.com/company/propay
