JetPay Review

JetPay started as an independent payment processor with a focus on simplifying complex financial stuff for businesses. They offered a mix of services including payment processing, payroll and HR solutions for businesses of all sizes. JetPay positioned themselves as more than just a processor, as a one stop shop for merchants looking for integrated financial tools. Lets read more about JetPay Review.

In 2018 JetPay was acquired by NCR Corporation, a big player in digital banking and POS technology. This acquisition expanded JetPay’s capabilities and aligned with NCR’s goal of creating a commerce ecosystem. While the JetPay brand is not as prominent anymore, their services are still under the NCR umbrella and offer more support and infrastructure to users.

Today, JetPay operates within NCR’s suite of offerings. This means clients benefit from integrated hardware, software, and processing solutions. For larger businesses, this offers scalability and a cohesive tech stack. For smaller businesses, the shift may feel like a move away from JetPay’s original personalized approach.

Core Payment Processing Features | JetPay Review

JetPay enables businesses to accept a wide range of payment types. These include credit and debit cards, electronic checks, ACH transfers, and mobile wallets. Its multichannel support ensures businesses can receive payments in person, online, or over the phone. It is known for its reliability and consistent processing speeds. Settlements are handled within standard timelines, and the platform is stable with minimal downtime. ACH and eCheck features are especially useful for businesses handling subscriptions or large invoices.

Security is a key feature, with support for EMV chip cards and end-to-end encryption. The system also accepts contactless payments, meeting the demands of today’s retail environment. However, the user interface may not feel as modern or intuitive as newer platforms. For some users, especially those less familiar with tech systems, the learning curve may be steeper. Still, JetPay remains a solid choice for businesses focused on function and security.

POS Integration and Retail Tools

Through NCR, It offers POS solutions for retail, hospitality and service industries. Merchants can choose from countertop terminals, mobile POS units and full retail systems with inventory and customer management. JetPay’s processing now integrates with NCR’s hardware and software. Businesses using NCR POS systems can add JetPay without third party gateways. This means smoother checkout and better backend reporting.

Mobile POS units, including tablet readers, are for vendors who need flexibility like food trucks, delivery services or event based sellers. These systems support contactless and chip card payments so merchants are current with payment standards. One thing to consider is that NCR’s enterprise background can make JetPay’s POS options feel too complicated for smaller businesses. Setup may require coordination with multiple departments which can be a pain for users who want a more streamlined experience. Overall JetPay’s POS is powerful and good for businesses that need more than just basic transaction tools.

E-commerce and Virtual Terminal Support

JetPay includes strong support for e-commerce through its virtual terminal and hosted payment page options. Merchants can either integrate secure payment forms on their websites or redirect customers to JetPay’s hosted pages, which require less technical setup. The web-based virtual terminal allows for manual entry of credit card transactions, ideal for phone or mail orders. Features such as recurring billing, card tokenization, and saved customer profiles are also supported. This makes it a practical option for subscription-based services.

Security is well handled. The system uses encryption and tokenization to protect sensitive data. It complies with PCI DSS standards and includes tools to help merchants maintain compliance. Compared to newer platforms like Stripe or Square, JetPay’s e-commerce tools may lack ease of use. The absence of plug-and-play features means some technical help may be needed for customization. Businesses looking for a quick setup with minimal coding may want to assess whether JetPay aligns with their needs. Despite this, It delivers reliable online payment support, especially for merchants who prioritize secure transactions over visual customization.

Payment Security and Regulatory Compliance

It puts data protection and regulatory compliance first. The platform is PCI DSS compliant and has tools to help merchants stay compliant through regular audits and system updates. It uses tokenization and end to end encryption so sensitive data is not exposed during transactions. This reduces the risk of data breaches and protects customer information.

Additional security features include transaction monitoring, CVV and AVS checks and fraud alerts. These help reduce chargebacks and flag suspicious transactions. For ACH and eCheck processing JetPay has validation tools to help verify bank info and prevent fraudulent or returned payments. The platform follows NACHA guidelines for electronic transactions. One drawback is advanced fraud controls need to be set up manually or through third party plugins. Businesses that want automated fraud detection or comprehensive dashboards may find JetPay’s options limited. But the core security features are good enough for any size business.

Payroll and Human Resource Features

A standout feature of JetPay is its integrated payroll and HR management tools. This includes automated payroll, tax filings, employee onboarding, and benefits management. Businesses looking to consolidate financial and workforce operations may find this especially useful. It supports payroll for hourly and salaried workers with flexible scheduling options. The platform calculates and files taxes at all levels and offers direct deposit and pay card options.

Beyond payroll, HR tools include self-service portals for employees, time tracking, and compliance monitoring. These features help reduce administrative tasks for HR teams or business owners. However, companies already using third-party HR tools may find JetPay’s offerings redundant. While functional, the user interface may appear dated when compared to newer platforms. Nevertheless, for those looking for an all-in-one financial and HR solution, JetPay offers notable value.

Payment Gateway and Developer Options

The JetPay gateway acts as the main connection between merchants and processors. It supports integration through APIs, SDKs, and batch file uploads. Developers can use RESTful APIs to create custom setups for websites and apps. JetPay’s gateway works with many CRM systems and shopping carts, allowing businesses to retain their existing infrastructure. Features include recurring payments, refunds, and secure checkouts. Documentation and sandbox environments are available to support development.

However, developers have noted that JetPay’s technical resources are not as extensive or user-friendly as those from competitors like Stripe. The documentation may lack clarity, making the learning process harder for beginners. Fraud prevention within the gateway includes tools like transaction limits and IP filtering. For more advanced fraud management, third-party solutions may be needed. JetPay’s gateway is dependable but better suited for businesses with in-house tech capabilities.

Reporting, Analytics, and Account Controls

JetPay provides a reporting suite that helps businesses monitor payments, review revenue data, and manage operations. Reports can be customized by transaction type, settlement status, or date range. Daily batch summaries, settlement reports, and tax-ready data exports help accounting teams stay organized. Businesses can export data into formats compatible with software like Excel or QuickBooks.

User management features allow admins to set role-based permissions, limiting access to certain functions or data. This is helpful for companies with multiple locations or teams. One drawback is the interface, which can feel outdated. While all necessary tools are present, navigation may take time for new users. Still, JetPay’s reporting tools are accurate and sufficient for most operational needs without requiring external analytics software.

Pricing and Contract Considerations

JetPay does not publish flat-rate pricing. Costs vary depending on business size, industry, and processing volume. This can benefit larger businesses that negotiate lower rates, but it adds uncertainty for smaller merchants. Pricing models often include interchange-plus or tiered rates. Extra charges may apply for virtual terminals, PCI compliance, or gateway use. Some merchants have reported monthly minimum fees, setup charges, or statement fees.

It usually requires multi-year contracts and may charge termination fees. This lack of flexibility could deter businesses looking for short-term or no-contract options. Despite these concerns, pricing can be competitive for businesses with high transaction volumes or those using multiple services like payroll. However, it is essential to request a full fee breakdown and review contract terms before signing.

Customer Support Experience

JetPay offers phone and email support. Larger clients also get dedicated account managers. Initial setup includes PCI compliance support and system training. For new users especially those who are not familiar with payment systems this can be helpful. Larger clients get more personalized service and ongoing optimization support.

Some smaller users however report difficulty in reaching the right support teams after JetPay became part of NCR. Response times vary depending on the department. Documentation is available but not always comprehensive. Businesses that rely on self-help tools like chatbots or video guides may find the resources limited. Overall support is functional but not consistent across user types.

FAQs

Q1: Is JetPay a good option for small businesses?

JetPay can work for small businesses, but its comprehensive services and NCR integration often make it more attractive to mid-sized or larger companies. Smaller firms might prefer a simpler platform with flat-rate pricing.

Q2: Does JetPay accept mobile and contactless payments?

Yes. It supports mobile wallets like Apple Pay and Google Pay, along with contactless card transactions. These are available through compatible POS terminals.

Q3: What changed after JetPay’s acquisition by NCR?

While JetPay’s brand is less visible, its core services remain available under NCR. Businesses gain access to a broader range of integrated technologies for retail and financial operations.