The Processor Scoreboard

SignaPay

An Irving, Texas sales organization that resells processing from Fiserv, Priority, TSYS and others, often with a “no-cost” cash discount pitch. The complaints follow one pattern: a $495 termination fee, annual and PCI fees the merchant did not expect, and charges after the account was supposedly closed.

Written by Robert Day, Founder and Managing Partner of weAudit.com, previously an executive at Fifth Third Processing Solutions, later Vantiv and Worldpay, now part of Global Payments, the world’s largest card processor. Published October 2026.

44out of 100

Regulatory and Legal21 / 25

Fee Practices6 / 25

Complaints and Resolution7 / 20

Transparency5 / 15

Sales Channel5 / 15

What to know before you sign.

A $495 termination fee, in Section 28 of the merchant agreement by SignaPay’s own account, that merchants say was never explained at signing.
“No-cost” processing with costs. Complainants describe a cash discount pitch followed by monthly, annual and PCI fees, including non-compliance charges of about $80 a month.
Charges after you leave. Merchants describe being billed for months after cancelling, because a cancellation form they were never given had not been completed.

Who you are signing with

SignaPay is an independent sales organization based in Irving, Texas, operating since 2008. It does not process payments itself; it resells processing from several processors, reported to include First Data, now Fiserv, Priority and TSYS, through multiple sponsor banks. Which processor holds your account depends on what you were sold, and so do your terms.

Fee practices

SignaPay does not publish pricing. What reviewers and complainants report:

Term	As reported
Early termination fee	Up to $495, cited by SignaPay in complaint responses
Annual fee	About $89 to $99
PCI compliance fee	About $99, plus monthly non-compliance fees when validation lapses
Pricing	Tiered or interchange-plus, set account by account
Cash discount programs	Marketed as no-cost processing

Sources: SignaPay’s own responses to Better Business Bureau complaints, Trustpilot, and terms as reported by independent review sites including Merchant Alternatives, CardFellow and CardPaymentOptions, credited by name. SignaPay does not publish pricing; your agreement shows what applies to you.

The no-cost pitch is worth special care. A cash discount or surcharge program moves the card cost to your customers, but the account fees stay with you, and a program built wrong breaks card network rules that are now enforced with fines. See the cash discount program guide and surcharge laws by state.

Complaints

SignaPay’s Better Business Bureau profile shows 13 complaints in the last three years, and its BBB and Trustpilot reviews are mostly negative. Most satisfied merchants never leave a review, so the ones who do are usually the ones who were hurt. The complaints describe a $495 to $500 termination fee at cancellation, months of overcharging, PCI fees for a program the merchant was never enrolled in, and long waits to reach anyone. SignaPay responds to complaints and has waived the termination fee in some cases, while pointing to the signed agreement in others.

Regulatory and legal

We found no Federal Trade Commission or state attorney general actions against SignaPay. A 2015 lawsuit reported by reviewers did not involve merchant complaints. That earns most of the available points.

Transparency and sales channel

No published pricing, a termination fee merchants say they first learned about at cancellation, and a cancellation form they say they were never given. Sold largely through agents, some of whom complainants say promised no costs. That scores low in both categories.

If you have a SignaPay account

Find your merchant agreement and read Section 28, the termination clause.
Check which processor holds your account on your statement.
Check your PCI status and stop any non-compliance fee. See PCI non-compliance fee refunds.
Ask for the cancellation form in writing before you cancel, and keep proof you returned it.
Get the statement audited before you stay or switch.

Independence, right of response and corrections. weAudit takes no money from any processor, ISO or referral arrangement, and no company can pay to change its score. SignaPay may submit a response or correction at any time, and we will review it and update this rating if the evidence warrants. Scores reflect the evidence available at publication. See the full Processor Scoreboard.

Common questions

Is SignaPay legit?

Yes. SignaPay is a real independent sales organization based in Irving, Texas, in business since 2008, that resells processing from several processors. Its complaint record is consistent: a $495 early termination fee merchants say they did not expect, annual and PCI fees, and charges continuing after cancellation.

Does SignaPay charge an early termination fee?

Yes. Its merchant agreements include an early termination fee of up to $495, which SignaPay’s own complaint responses place in Section 28 of the merchant agreement. It has waived the fee in some disputed cases.

What fees does SignaPay charge?

SignaPay does not publish pricing. Reviewers and complainants report tiered and interchange-plus pricing, an annual fee of about $89 to $99, a PCI compliance fee of about $99, monthly account fees, and PCI non-compliance fees when validation lapses.

Is SignaPay’s no-cost processing really free?

No. Cash discount and surcharge programs move the card cost to your customers, and complainants say the monthly and annual fees remained. Network rules for surcharging are strict and enforced with fines, so check any program before you rely on it.

How do I cancel SignaPay?

SignaPay has told complaining merchants that cancellation requires a completed client cancellation form. Ask for the form in writing, return equipment as instructed, keep proof, and watch your bank account for debits after the closure date.

Who processes SignaPay accounts?

SignaPay resells processing from several processors, reported to include First Data (now Fiserv), Priority and TSYS, through multiple sponsor banks. Your agreement shows which processor and bank hold your account.

Send us the statement. We will tell you what is in it.

Our first audit is free and takes about five minutes of your time. We show you which processor is behind your SignaPay account, every fee on top, and what you should be paying. If there is nothing to find, you will know that too.

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About this rating: scored on weAudit’s five categories, Regulatory and Legal (25), Fee Practices (25), Complaints and Resolution (20), Transparency (15) and Sales Channel (15). Evidence was gathered in October 2026 from Better Business Bureau records including SignaPay’s own responses, Trustpilot, and independent review sites including Merchant Alternatives, CardFellow and CardPaymentOptions, which are credited by name. SignaPay is a name of its owner.