ProPay - 2026 Pricing, Features, Reviews & Alternatives

ProPay Payment Processing System is a comprehensive payment processing solution that enables businesses to accept credit and debit card payments through multiple channels. The platform primarily serves small businesses seeking competitive transaction rates while maintaining security protocols for financial transactions. As a registered ISO of PNC Bank NA, ProPay provides merchants with a versatile suite of payment acceptance tools designed to accommodate various business models and operational environments, from mobile businesses to e-commerce operations.

The system features multiple payment acceptance methods tailored to diverse business needs. ProPay JAK, the mobile card reader, connects to smartphones and tablets, allowing merchants to process payments from any location with cellular or Wi-Fi connectivity. The ProPay mobile application and mobile website enable users to process cards, transfer funds, and view transaction histories on the go. For recurring business, the platform offers secure card storage functionality for future purchases, eliminating the need for customers to re-enter payment information. The system also includes text and email invoicing capabilities, allowing merchants to send secure payment links directly to customers, and Buy or Donate Now buttons that can be embedded in websites or emails.

ProPay offers additional features including a virtual terminal for accepting payments through a PC interface, shopping cart functionality for e-commerce integration, and touch-tone telephone processing for businesses without internet access. ProPay to ProPay transfers allow fund movement between separate merchant accounts without incurring standard bank transfer fees. The platform supports major payment networks including Visa and MasterCard for both swiped and keyed transactions, as well as bank transfers. Customer support is available via email and phone during business hours from Monday through Friday, ensuring merchants have access to assistance with their payment processing needs. The system is designed to be set up quickly, allowing businesses to begin accepting credit cards from smartphones, tablets, or desktop computers with minimal delay.