PaySimple Review

PaySimple is a Denver payments-and-billing platform for service businesses — the kind that invoice, take deposits and bill the same customers month after month rather than ring up a counter. Its own about page dates the business to 2006 and puts it at more than 22,000 businesses; the site footer carries a 2005 copyright and the Better Business Bureau file records a December 2006 start, so the exact birth year depends on which document you read. What matters more is the lineage: the company Eric Remer founded as PaySimple is the company that was incorporated as EverCommerce in 2016 and listed on Nasdaq in 2021. PaySimple was not bought by EverCommerce so much as it became it, and the brand now sits inside that group as one product among many — the BBB file is registered to "EverCommerce Solutions Inc., DBA PaySimple Inc." PaySimple is a registered ISO of Fifth Third Bank and of Wells Fargo Bank. Pricing is published in full and unusually plain: $79.95 a month with every feature included, 2.9% plus 30 cents on cards, 1% plus 30 cents on ACH, no contract and no cancellation fee.

Estimated annual cost at three realistic processing volumes, using PaySimple’s published online rate plus monthly fees. Real costs vary with average transaction size, chargeback rate, and any negotiated terms.

What PaySimple is

PaySimple is a payments and billing platform for American service businesses — the ones that invoice, take deposits, and bill the same customers again next month. It combines card and bank-account acceptance with recurring billing, invoicing, a customer portal and basic customer records, and it sells the whole thing for a flat $79.95 a month plus transaction fees. It is a registered ISO of Fifth Third Bank, N.A. and of Wells Fargo Bank, N.A., which is the industry's way of saying that PaySimple owns the software and the relationship while a sponsoring bank owns the risk.

The company is in Denver, and its origins are slightly tangled in a way worth untangling because a lot of directory sites get it wrong. PaySimple's own about page says "since 2006"; the footer of the same site carries a copyright dating the brand to 2005; the Better Business Bureau file records the business as starting on 1 December 2006. More importantly, the entity that started as PaySimple did not get acquired by EverCommerce — it became EverCommerce, incorporated under that name in 2016 and listed on Nasdaq in 2021 after more than fifty acquisitions of its own. PaySimple is now one product inside that group, which is why the BBB profile reads "EverCommerce Solutions Inc., DBA PaySimple Inc." Any source that gives you a clean acquisition year is describing a reorganisation.

The price, and the arithmetic it hides

PaySimple publishes its whole price list on a public page, which is rare enough in merchant services to be a genuine mark in its favour: $79.95 a month with every feature included, 2.9% plus 30 cents per card transaction, 1% plus 30 cents per ACH or eCheck, no setup fee, no contract, no cancellation fee. Businesses over $50,000 a month are invited to ask for a custom rate, and software partners embedding PaySimple get their own pricing, so the published numbers are a retail ceiling.

The card rate itself is ordinary — 2.9% plus 30 cents is the going flat rate and several competitors beat it. What decides whether PaySimple is expensive is the monthly fee, and the honest way to evaluate it is to convert $79.95 into a percentage of your own volume. At $3,000 a month it adds about 2.7 percentage points to your effective cost, which is punitive. At $10,000 a month it adds 0.8. At $40,000 it adds 0.2 and stops mattering. Below roughly $8,000 to $10,000 a month in card volume, a flat-rate provider with no subscription will almost certainly cost you less.

The exception, and the real argument for PaySimple, is ACH. At 1% plus 30 cents, a $500 recurring bank debit costs about $5.30 where the same charge on a card costs about $14.80. A business that can move its recurring customers onto bank debit recovers the monthly fee within a handful of transactions, and that is the customer PaySimple is designed for.

One quirk to note: there is no card-present discount. Tapping a card at a counter and keying one over the phone are both 2.9% plus 30 cents. Nearly every processor prices a swiped card lower because it carries less fraud risk, so a business taking most of its payments face to face is subsidising the card-not-present side of PaySimple's book.

Funding is slow

PaySimple's own funding-time documentation publishes the posting chart: enter a Visa, Mastercard or Discover sale on Monday before the nightly batch cutoff and the deposit posts on Wednesday, the third business day. American Express is one day slower across the board — Monday posts Thursday — because Amex funds directly. PaySimple's support documentation describes ACH running on a three-day funding cycle for most accounts, with five-, ten- and thirty-day cycles also in use, and puts the batch cutoff at 11pm Eastern. Weekends and bank holidays stretch all of it.

In 2026 that is slow. Next-business-day funding is standard at most competitors and same-day exists at several, and PaySimple does not sell a faster option at any price. For a business billing on thirty-day terms it makes no difference; for a business paying weekly wages out of card takings, two extra days is a real constraint.

The complaint record

The Better Business Bureau rates the business A+ and it has been accredited since February 2015. That letter measures whether a company answers complaints, not whether customers are happy, and the complaints on file are consistent with what independent review sites report: funds held without a clear explanation, accounts closed with little warning, unauthorised or unexplained recurring charges, refunds promised and not delivered, and support that has become slow. One published complaint describes more than $25,000 held.

None of this is unusual for a platform that fronts a sponsoring bank's risk appetite — the same complaints attach to nearly every aggregator — but it does define the practical risk of using PaySimple. There is no contract to trap you, and equally no contract to protect you: the account can be closed or the funds held on the processor's decision, and a month-to-month agreement changes nothing about that. If a two-week hold on your card receipts would be existential, keep a second acceptance method live.

Where it sits in 2026

PaySimple's own about page still says "over 22,000 business owners", and EverCommerce's product page says 20,000 — figures that have moved very little in years. The product is competent and stable rather than advancing, and it sits inside a large public company with dozens of other brands competing for engineering attention. That is not a reason to avoid it, but it is a reason to weigh the switching cost carefully: you are buying a mature system, not a growing one.

The verdict is a straightforward trade. PaySimple gives you an honest, published price, no contract, no termination fee, and recurring billing that works — a rare combination in this market. In exchange you pay a substantial fixed monthly fee, wait three business days for card money, and accept a support and risk record that is average at best. If your billing is recurring, largely ACH, and comfortably above $10,000 a month, that trade is a good one. Below that, run the arithmetic on the monthly fee before you sign up for anything.