Built for Businesses That Have Outgrown Stripe
PayHub Payments provides the flexibility, support, and pricing transparency many businesses eventually realize they need beyond basic flat-rate processors.
Is PayHub Payments Right for Your Business?
Stripe is built for developers; PayHub Payments is built for business owners. We trade "simple" for the transparency and support you've earned.
Stripe
Complex Flat-Rate "Developer Tax"
Stripe charges a standard 2.9% + 30¢ per transaction. While simple for coders, these "retail" rates become a massive financial drain as your sales volume increases.
Algorithm-Led Risk & Holds
Stripe’s automated system can suddenly flag and freeze accounts based on volume spikes or "high-risk" patterns, often with no immediate way to appeal.
Developer-First Ticket Support
Stripe is built for developers. If you have a business crisis, you are often stuck in a loop of support tickets, documentation links, and slow email replies.
Costly 1.5% Instant Payout Fees
Stripe typically keeps your funds for 2+ days. If you need it sooner, they charge a 1.5% fee for instant payouts, which eats directly into your cash flow.
Complex API-Heavy Setup
Stripe is powerful but complex. Setting up advanced features often requires hiring a developer or navigating confusing technical documentation.
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."
PayHub Payments vs Stripe
Feature | PayHub Payments | Stripe |
|---|---|---|
Business Relationship | Dedicated Payment Partner | Self-Service Platform |
Pricing Structure | Transparent Interchange-Plus
| Aggregated Flat-Rate Pricing |
Customer Support | Local Relationship-Based Support | Primarily Digital Support |
Standard Funding Speed | Next-Day Funding Included | Standard 2-Day Funding |
Monthly Platform Costs
| Low Monthly Service Plan | No Monthly Subscription |
Online Payments & Invoicing | Customized Pricing Based on Business | Standard Flat Rate |
Manual / Keyed Transactions | Flexible Pricing Options | Higher Flat-Rate Keyed Pricing |
In-Person Processing | Interchange-Plus Pricing Options | Flat-Rate Pricing |
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
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 |
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Frequently Asked Questions
Not at all. Our team helps guide the transition from start to finish, including hardware setup, payment configuration, and onboarding support to help ensure your business experiences little to no disruption during the switch.
From dual pricing to traditional pricing methods, we keep pricing simple, transparent, and predictable. PayHub offers a low monthly cost with no hidden fees, no junk fees, and no surprises. Your quote wil clearly outline exactly what you pay, nothing more.
In many cases, yes. PayHub Payments works with a wide range of POS systems, invoicing tools, QuickBooks, e-commerce platforms, and other business software integrations. While Square or existing Clover hardware is not supported, our team can help recommend compatible solutions and guide you through a smooth transition.
We believe in earning your business through service and support. PayHub Payments offers flexible terms designed to support growing businesses without unnecessary long-term commitments.
Interchange-Plus is considered one of the most transparent pricing models in the payment processing industry. “Interchange” refers to the direct cost set by the card networks and banks for processing a transaction. The “Plus” is the clearly defined service fee paid to the processor.
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