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Payment Depot

The nation's only wholesale credit card processing rates

Table of Contents

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Payment Depot - 2026 Pricing, Features, Reviews & Alternatives

All user reviews are verified by in-house moderators and provider data by our software research team. Learn more

Last updated: March 2026

Payment Depot overview

What is Payment Depot?

Payment Depot offers the nation's only wholesale credit card processing rates. While other companies charge an added percentage on top of Visa/MC interchange, Payment Depot gives merchants the direct interchange rate with no added percentage.

Starting price

59flat rate /
per month

Alternatives

with better value for money

Payment Depot pros, cons and reviews insights

To determine these pros and cons insights, we analyzed responses from

Overall rating

Reviews sentiment

1-2(1)

3-4(12)

5(44)

What do users say about Payment Depot?

Payment Depot has nothing that defects its payment solution.

Who uses Payment Depot?

Based on 57 verified user reviews.

Company size

- Not enough reviews

Small Businesses

Midsize Businesses

Enterprises

Top industries

Transportation/Trucking/Railroad

Retail

Use cases

Point of Sale

Mobile Credit Card Processing

Payment Processing

Payment Depot's key features

Most critical features, based on insights from Payment Depot users:

Debit/Credit card processing

5.0

(1)

All Payment Depot features

Features rating:

4.5

(57)

ACH payment processing

(0)

Contactless nfc

(0)

Credit card processing

5.0

(1)

Data security

5.0

(1)

Debit/Credit card processing

5.0

(1)

eCommerce management

(0)

Electronic payments

5.0

(1)

Electronic signature

(0)

In-Person payments

(0)

Mobile access

5.0

(1)

Mobile card reader

(0)

Mobile payments

(0)

Online payments

5.0

(1)

Payment processing

5.0

(1)

Payment reconciliation

(0)

PCI compliance

(0)

Point of sale (pos)

5.0

(1)

Receipt management

(0)

Recurring/Subscription billing

(0)

Reporting/Analytics

(0)

Transaction monitoring

(0)

Payment Depot alternatives

Payment Depot

4.7

(57)

Starting from

Per month

Free trial

Free version

Ease of Use

4.7

Features

4.5

Value for Money

4.6

Customer Support

4.6

Venmo

4.7

(9.2K)

learn more

Starting from

Free

Free trial

Free version

Ease of Use

4.8

Features

4.6

Value for Money

4.8

Customer Support

4.4

Square Point of Sale

4.6

(3K)

learn more

Starting from

Per month

Free trial

Free version

Ease of Use

4.7

Features

4.5

Value for Money

4.5

Customer Support

4.4

Epos Now

3.8

(715)

learn more

Starting from

349

One-time payment

Free trial

Free version

Ease of Use

3.8

Features

3.8

Value for Money

3.6

Customer Support

3.6

Payment Depot pricing

Pricing plans

Pricing details:

Free plan

Free trial

Subscription

Starter

Per month

Features included:

Process up to $125000/year

Starter Plus

Per month

Features included:

Process up to $250000/year

Growth

Per month

Features included:

Process up to $500000/year

User opinions about Payment Depot price and value

Value for money rating:

4.6

Of 22 reviews that provide robust commentary on Payment Depot's price and value, mention it in a positive light.

Most reviewers indicate Payment Depot offers competitive, low, and transparent rates, leading to significant cost savings compared to other providers. They appreciate the flat-rate pricing model, which they find easy to understand, and value the upfront disclosure of costs. Some users report that Payment Depot allows them to keep existing equipment without extra charges and includes useful functionality at a fair price. However, some reviewers find the yearly fees tend to increase over time, and a few express dissatisfaction with certain rate changes or limitations with specific card setups.

, and