is maxpay legit or scam? Maxpay Reviews, complaints & pricing 2023

is maxpay legit or scam? Maxpay Reviews, complaints & pricing 2023
is maxpay legit or scam? Maxpay Reviews, complaints & pricing 2023

is maxpay legit or scam? Maxpay Reviews, complaints & pricing 2023

Maxpay, founded in 2011 and headquartered in Malta, is a payment processing platform that caters to businesses of all sizes. This cloud-based Software-as-a-Service (SaaS) solution provides support for various payment methods, including credit/debit cards, ACH/eCheck, recurring billing, and more. Maxpay’s reach extends to organizations across the globe, making it a versatile option suitable for a wide range of industries, including ecommerce, digital goods, and services.

Deeper Look at Maxpay’s Core Features

Campaign Management

Maxpay equips businesses with essential campaign and promotion management tools. This includes the ability to create and manage coupons, discounts, targeted email campaigns, and loyalty programs. While these tools are valuable for driving sales and increasing the average order value, Maxpay lacks more advanced A/B testing capabilities.

Recurring Billing

The platform simplifies the process of setting up subscriptions and memberships through its recurring billing module. Businesses can create flexible subscription plans, offer trial periods, establish cancellation policies, and enable autopay functionality. These features ensure a predictable stream of recurring revenue.

Invoice Processing

Maxpay allows merchants to efficiently create, send, and track invoices. The platform supports partial and full payments, provides options for handling late fees, and offers customizable workflows. Additionally, automatic reminders help streamline accounts receivable processes. Maxpay also facilitates PDF invoicing, ensuring professional and organized communication with clients.

Access Controls & User Roles

Maxpay provides a robust system for managing user access and defining roles within the platform. Businesses can create custom permission sets, allowing them to segment sensitive data and restrict specific operations based on job roles. This granular control enhances security and compliance within the organization.

Robust Reporting Suite

The platform boasts a comprehensive reporting suite, enabling businesses to access valuable insights into their payment processes and performance. Users can customize reports, generate charts, and export data. These reports cover a wide range of metrics, including sales, refunds, subscriptions, products, and more. Maxpay also supports integration with Business Intelligence (BI) tools through APIs, enhancing data analysis capabilities.

What Merchants are Saying About Maxpay

As of the time of this review, Maxpay did not have a dedicated review section on platforms like SoftwareSuggest or other third-party review sites. To gauge merchant sentiment, an online search was conducted across company pages, forums, and blogs. Here are some key insights:

Positive Feedback

  • Merchants have praised Maxpay for its quick and seamless payment processing capabilities, making it easy to manage transactions across various sales channels.
  • Users have found Maxpay to be highly compatible with existing platforms like WooCommerce and Shopify, facilitating smooth integration into their ecommerce systems.
  • Customers have appreciated the responsive and helpful customer support provided by Maxpay, especially during onboarding and troubleshooting stages.
  • The intuitive administrative dashboard has received positive feedback for simplifying day-to-day payment management tasks.

Areas for Improvement

  • Some users have expressed concerns about the lack of direct integration into major shopping carts out of the box, which can result in additional setup and configuration efforts.
  • Feedback regarding Maxpay’s frontend user interface suggests that it could benefit from a more modern and updated design.
  • While Maxpay provides essential features for payment processing, some users have expressed a desire for more advanced analytical and marketing automation tools.
  • There have been comments about premium fees being relatively higher compared to other payment processors.

Overall, while reviews for Maxpay were limited, they did not reveal any significant issues related to the platform’s stability, security, or hidden charges. Most of the criticism centered around pricing and integration complexities rather than core functionality. Merchants appear to have a favorable overall opinion of the platform.

Understanding Maxpay Pricing Models

Maxpay, like many Software-as-a-Service (SaaS) businesses, operates on a monthly or annual subscription basis. While specific pricing details were not available on SoftwareSuggest, some estimates can be made:

  • Starter plans, targeting small businesses, are likely priced in the range of $30 to $50 per month.
  • Mid-tier plans, optimized for higher transaction volumes, probably fall within the range of $100 to $200 per month.
  • Enterprise solutions designed for large businesses and enterprises may have pricing starting at $500 per month and above.

In addition to the subscription fees, Maxpay also typically charges a percentage of each transaction processed. For credit card transactions, the average fees are in the range of 2.5% to 3.5%. ACH/eCheck transactions tend to be more cost-effective, with fees ranging from $0.25 to $0.50 per transaction.

It’s important to note that additional charges, such as one-time setup fees, may apply. These setup fees are often waived for merchants opting for annual subscription plans. Maxpay may also offer support add-ons, which could result in additional costs. Overall, while Maxpay offers competitive pricing for basic payment processing needs, the cost of scaled plans can become relatively expensive compared to alternatives. Merchants committing to yearly plans should carefully assess whether the platform aligns with their expected processing volumes and budget.

Comparing Maxpay to Top Payment Processing Options

To evaluate how Maxpay compares to other leading payment processing solutions, four notable alternatives were considered:


Stripe is a popular developer-focused option known for its excellent APIs and robust security. However, it tends to have slightly higher fees.


PayPal is a legacy giant in the payment processing industry, known for its strong security measures and seller protection. However, its rates can be expensive for businesses dealing in physical goods.


Authorize.Net is a flexible platform often bundled by various shopping carts. It is known for its competitive pricing.


Braintree is a full-featured solution with strong customization options. It offers features similar to Maxpay but with slightly higher fees.

At a high-level comparison, Maxpay appears to offer several advantages:

  • It is user-friendly and suitable for non-technical business owners.
  • Maxpay provides rich billing and accounting functionality beyond basic payment processing.
  • The platform offers responsive support during regular business hours.

However, Maxpay has certain areas where it lags behind the competition:

  • It lacks advanced analytics, marketing automation tools, and integration with top shopping cart vendors.
  • At higher transaction volumes, other solutions tend to offer cheaper processing rates.
  • For enterprises with complex needs, all-in-one commerce suites or more robust API-based processors may be a better fit.
  • Specialized merchants with specific software requirements may not find Maxpay as tightly integrated with their industry-specific solutions.

For smaller merchants who are just starting their digital transition, Maxpay offers a balanced set of features, competitive pricing, and strong support. It serves as a solid foundation for basic-to-mid-level payment processing needs, especially for small online retailers and service businesses. However, larger enterprises with complex requirements may eventually outgrow Maxpay’s capabilities. Specialized businesses that require tight integration with industry-specific software should also consider alternatives.

Maxpay Integrations and Platform Support

To expand its reach and usability, Maxpay offers various integrations and platform support, including:

  • Plugins for popular ecommerce platforms like WooCommerce, Magento, Shopify, and Prestashop, enabling businesses to accept payments online.
  • Partnerships with Point of Sale (POS) software providers for in-person checkout options.
  • APIs for custom platform integration, compatible with common programming languages like PHP.
  • Mobile apps for iOS and Android, allowing users to access their Maxpay accounts on the go.

While Maxpay’s integrations offer accessibility across multiple sales channels, it may not be as robust as competing processors that rely solely on APIs for integration. Additionally, Maxpay’s support for integrations appears to be primarily focused on major shopping cart systems. Direct integration into Customer Relationship Management (CRM) and Enterprise Resource Planning (ERP) systems or industry-specific software may not be readily available. Consequently, Maxpay is well-suited for standalone online retailers and general businesses but may be less suitable for businesses with specific vertical or industry requirements.

Security, Uptime Guarantees, and Support Quality

Security and reliability are paramount when selecting a payment processor. Maxpay demonstrates a strong commitment to these aspects, as evident from the following:

  • Regular audits and certification as a PCI DSS Level 1 compliant service provider, ensuring the security of sensitive financial data.
  • Stringent policies governing data encryption, access controls, and incident response to protect against breaches and security threats.
  • An infrastructure built on a fault-tolerant cloud architecture, backed by a 99.5% monthly uptime Service Level Agreement (SLA). This guarantees that the platform remains operational for the vast majority of the time.
  • A support system that operates 24/7/365, providing multi-lingual assistance through phone, email, and online ticketing options.
  • A knowledge base and guides that cover setup procedures and common troubleshooting issues, aiding merchants in effectively using the platform.

In summary, Maxpay adheres to industry best practices to ensure the security and reliability of its platform. The availability of 24/7 support and robust uptime guarantees help merchants conduct their business with confidence.

Final Verdict – Is Maxpay Worth Considering?

After a comprehensive review, here are the key takeaways to consider when evaluating Maxpay as a potential payment processing solution:

  • Maxpay is an ideal choice for businesses with basic-to-mid-level payment processing needs, especially for small online retailers, service providers, and businesses.
  • The platform offers competitive pricing, aligning with the value of its features, particularly in the areas of billing and reporting.
  • Maxpay’s setup process is fast and user-friendly, making it accessible to non-technical business owners and their teams. The platform also provides robust support through digital and phone channels.
  • Maxpay offers integration options for popular shopping cart platforms and supports mobile apps, allowing flexibility across various sales channels.
  • The platform meets the essential security and reliability standards expected from a trustworthy payment service provider.

However, it’s essential to note that Maxpay may not be the best choice for enterprises with complex payment processing needs. Over time, larger businesses may outgrow the platform in favor of all-in-one commerce suites or more advanced API-based processors. Additionally, specialized merchants with specific software requirements may not find Maxpay as tightly integrated with their industry-specific solutions.

For many smaller merchants in the early stages of their digital transition, Maxpay serves as a dependable and user-friendly foundation for payment processing. Its combination of features, pricing transparency, and strong support makes onboarding and daily operations smooth and efficient.

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