Payment Processing Backed by Real Support and Transparent Pricing
PayHub Payments provides the flexibility, support, and pricing transparency many businesses eventually realise they need beyond basic flat-rate processors.
PayHub Payments vs Stripe:
The 2026 Pricing Reality
Pricing Category | PayHub Payments | Stripe Payments (Standard) |
|---|---|---|
Online / Invoices | 3.29% + $0.20 | 2.9% + $0.30 |
Manual Entry (Keyed) | 3.29% + $0.20 | 3.4% + $0.30 |
Monthly Subscription | $30 - $55 / month | $0 |
Faster Funding Fee | $0 (Next-Day Standard) | 1.5% (Min $0.50 per payout) |
Pricing Model | Interchange-Plus | Flat-Rate (Aggregator) |
In-Person (Terminal) | 2.39% + $0.20 | 2.7% + $0.05 |
Stripe Paymenrt
In-Person Payments
S2.7% + $0.05
Online / Invoices
2.9% + $0.30
Manual Entry (Keyed)
3.4% + $0.30
Faster Funding Fee
1.5% (Min $0.50 per payout)
Pricing Model
Interchange-Plus
Monthly Subscription
$0
PayHub Payments
In-Person Payments
Starting at 3.29% + $0.20
Online / Invoices
Starting at 3.29% + $0.20
Manual Entry (Keyed)
Starting at 3.29% + $0.20
Monthly Subscription
$30 - $55 / month
Faster Funding Fee
$0 (Next-Day Standard)
Pricing Model
Flat-Rate (Aggregator)
Trusted by Local Businesses
Since joining it’s been a seamless addition to business! Thanks for looking out for the small business owner!!! Highly recommended for any electronic transfer needs!
I can’t say enough good things about my experience with PayHub. From the very beginning, their service has been great. I was looking for a reliable payment processing solution for my business, and PayHub delivered beyond my expectations.
They work like a clockwork. When we call with a question, or a problem, they answer right away or solve the problem. We are with them since 2017 and we have no complaints.
2008
Family Owned and Operated
2 Minute
Average Response Time
Zero
Hidden Fees Ever
24/7
Support
See what our customers have to say about their experience with PayHub Payments
Is PayHub Payments Right for Your Business?
PayPal is for casual checkouts; PayHub Payments is for business operations. We trade "brand familiarity" for the transparency and support you've earned.
PayPal Commercial
High Flat-Rate "Brand Tax"
PayPal hits online businesses with a massive 3.49% + 49¢ fee for standard checkout transactions. These heavy flat rates quietly drain your profits as your checkout volume grows.
Sudden Reserves & 180-Day Holds
PayPal acts as a payment aggregator, notorious for using automated risk bots that suddenly place rolling reserves or freeze funds for up to 180 days with zero warning.
Automated Resolution Centers
Trying to fix a chargeback or account limitation on PayPal means dealing with cold resolution centers, automated templates, and endless phone menus.
Costly 1.5% Instant Transfer Surcharges
Getting your money out of your PayPal balance instantly costs an extra 1.5% fee (capped at $15). Otherwise, you are stuck waiting days for standard bank transfers.
Fragmented Third-Party Tech Stack
Redirecting customers to an external PayPal page disrupts your checkout experience and limits how you connect your physical POS and online workflows.
Payhub Payments
Transparent Interchange-Plus Savings
Pay only the wholesale cost of processing plus a small, clear margin. Our Interchange-Plus model ensures your effective rate decreases as your business scales, keeping more profit in your pocket.
Stable Dedicated Merchant Accounts
We provide pre-vetted, dedicated merchant accounts. By performing underwriting upfront, we eliminate the fear of sudden fund holds or account deactivations.
24/7 Expert Human Support Team
Access genuine local care with a dedicated account manager on speed dial. Our expert team is available 24/7 to resolve issues in real-time, so you never miss a sale.
Built-In Standard Next-Day Funding
Speed is our standard, not a paid upgrade.
PayHub Payments provides Next-Day Funding as a core feature for every small business, ensuring your cash flow remains uninterrupted.
Flexible Open-Platform Integrations
PayHub Payments offers seamless integrations with industry-standard POS systems. Use your existing hardware or upgrade to our flexible terminals without being "locked in."
Feature Name | PayHub | Square | PayPal | Banks |
|---|---|---|---|---|
24/7 Phone Support | Yes | No | No | Yes |
Custom Integrations | Yes | No | No | Yes |
No Long-Term Contracts | Yes | Yes | No | No |
Local Support Team | Yes | No | No | No |
Next-Day Funding | Yes | Yes | Yes | Yes |
Transparent Pricing | Yes | Yes | No | No |
Free Setup & Training
| Yes | No | No | No |
PayHub Payments vs. PayPal
Feature | PayHub Payments | PayPal Business |
|---|---|---|
Digital Wallet & Online Rates | Offers complete customized pricing (interchage, 2 tiers, dual pricing) | Rigid Premium Rates (3.49% + 49¢) |
Standard Bank Deposit Speed | Next-Day Funding Included | 2–3 Day Balance Clearing Delay |
Dispute & Support Access | Local Relationship-Based Team | Disconnected Resolution Centers |
POS & Checkout Hardware | Clover POS, Mobile & Industry-Specific | Restricted Proprietary PayPal Zettle |
Account Stability Assurance | Dedicated Long-Term Partner | Rolling Reserves & 180-Day Holds |
Pricing Transparency | Wholesale/Interchange-Plus Options | Rigid Flat-Rate Structure |
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Frequently Asked Questions
PayPal charges a steep, flat retail rate of up to 3.49% + 49¢ for online checkouts and invoices. This means you pay the same premium rate regardless of your sales volume. PayHub Payments uses an Interchange-Plus model, giving you direct access to wholesale processing costs. As your business grows and your transaction volume increases, your effective rate drops, keeping more profit in your pocket.
No, PayHub Payments provides you with a dedicated, pre-vetted merchant account. We handle underwriting upfront before you start processing, giving your business complete stability.
With PayPal, standard transfers out of your digital balance can leave you waiting 2 to 3 business days to clear into your actual business bank account. If you want it instantly, they hit you with a 1.5% payout surcharge. At PayHub Payments, next-day funding directly to your business bank account is our standard feature not a paid upgrade.
PayHub Payments eliminates the corporate runaround. Every merchant gets a dedicated account manager and 24/7 access to a real human support team who can resolve issues in real-time.
No, PayPal does not charge an early termination fee to close your account. However, if you are currently dealing with a rolling reserve or a fund hold, those funds may be held for the standard 180-day risk window. Switching your day-to-day processing to PayHub Payments immediately protects your future revenue from these automated holds while you clear out your remaining PayPal balance.
Get Started Today
Location
720 Hopmeadow Street
2nd Floor
Simsbury, CT 06070
Business Hours
Monday - Friday: 8:00 AM - 6:00 PM
24/7 Phone Support Available