Paya Rate Increases, Fees, and Updates (2025)

Paya is a US-based payment processor that offers integrated payment solutions for businesses. 

Here are the latest rate increases and updates from Paya:

New Paya Fees and Updates

Paya is implementing a new Pre-Arbitration Fee of $45 per item, effective October 2023. 

This fee applies to disputed transactions. The issuer rejecting additional evidence by the merchant is part of the pre-arbitration process in the dispute cycle. It also includes fraud and authorization-related chargebacks that go through the Visa allocation process—where merchants enter the pre-arbitration phase. 

Additionally, Paya sent a notice to merchants stating that they’ll be reviewing any changes to fee structures by credit card companies and debit networks. Any fees and modifications may be reflected on monthly statements as early as October 2023.

Paya Annual Fee Update

Paya sent a notice to customers saying that an annual fee might be applied to their accounts, effective for December 2021. The fee will be assessed on a yearly basis.

If you have any questions about the change, Paya asks that you contact their customer support department.

About Paya

Paya serves over 100,000+ customers through its 2,000+ distribution partners. They offer payment solutions in categories like healthcare, utilities, government, nonprofit, education, and B2B. 

The company initially launched in 2006 as Sage Payments Solutions before being acquired in 2017 by GTCR. In January 2018, the Paya brand officially launched. 

Based on a 2019 Nilson ranking, Paya ranked #6 in the United States for ecommerce CNP (card-not-present) transaction volume. 

Paya acquired The Payment Group (TPG) and Paragon Payment Solutions in 2020 and 2021, respectively.

To learn more about interchange and how it works, check out our in-depth guide to interchange rates and fees.