PaySec + Paya Services: Upgrade to Zero-Fee Payment Processing
How businesses currently using Paya (formerly Sage Payment Solutions) are switching to PaySec's Network Offset Pricing for zero effective processing fees.
If you are currently processing payments through Paya, you already understand the value of integrated payment solutions. Paya has served businesses across healthcare, nonprofits, government, and B2B for years, providing reliable processing that connects to the software platforms you depend on. But reliability does not mean affordability. Every transaction you process through Paya carries a standard interchange-based fee that chips away at your revenue, month after month.
For businesses processing $50,000 or more per month, those fees add up to $15,000-$20,000 annually. That is not a minor line item. It is a meaningful expense that many Paya customers have simply accepted as the cost of doing business because they did not know a better option existed.
PaySec offers what Paya cannot: zero effective processing fees through Network Offset Pricing. NOP works by displaying two prices to the customer — a cash/ACH price and a card price — so the business receives the full transaction amount regardless of payment method. It is legal in all 50 states, compliant with all card network rules, and already used by thousands of businesses that used to pay the same fees you are paying today.
What Is the PaySec + Paya Services Integration?
This is not an add-on to Paya. It is a replacement. Businesses switch their payment processing from Paya to PaySec and gain Network Offset Pricing across all payment channels. PaySec supports the same industries Paya serves — healthcare, nonprofits, B2B, government, and professional services — with integrated payment tools that connect to your existing software systems.
The transition is straightforward: PaySec sets up your merchant account, deploys NOP-enabled terminals and payment portals, and you redirect your payment flow from Paya to PaySec. Your operational workflows remain the same; only the processing cost changes, dropping from 2.3-3.3% to effectively zero.
The Real Cost of Processing Fees with Paya
| Feature | Paya Services | PaySec |
|---|---|---|
| Card-present rate | 2.3-2.7% | 0% effective |
| Card-not-present rate | 2.7-3.3% | 0% effective |
| ACH processing | 0.5-1.0% | 0% effective |
| Dual pricing / NOP | Not available | Yes |
| Industry integrations | Yes | Yes |
| Contract terms | Varies | No contracts, no minimums |
| Monthly Processing Volume | Annual Paya Cost (est.) | Annual PaySec Cost | Annual Savings |
|---|---|---|---|
| $25,000 | $7,500 | ~$0 | $7,500 |
| $75,000 | $22,500 | ~$0 | $22,500 |
| $150,000 | $43,200 | ~$0 | $43,200 |
| $300,000 | $86,400 | ~$0 | $86,400 |
How Network Offset Pricing Works (Paya Alternative)
When your customer pays an invoice or makes a purchase, the payment experience is simple and transparent:
Example: $500 B2B invoice payment
| Payment Method | Amount |
|---|---|
| ACH/Bank Transfer | $500.00 |
| Credit Card | $520.00 |
The customer chooses how to pay. If they pay by ACH, they pay the base price. If they pay by card, the card price includes a small network offset. Either way, your business receives the full $500. With Paya, you would have received approximately $485 after processing fees on that same card transaction.
Example: $2,000 healthcare patient balance
| Payment Method | Amount |
|---|---|
| ACH/Bank Transfer | $2,000.00 |
| Credit/Debit Card | $2,080.00 |
For high-value transactions common in healthcare and B2B, the per-transaction savings are immediately visible.
Integration Features
- PCI Level 1 compliant — the highest level of payment security certification
- HIPAA compliant — BAA available for healthcare organizations currently on Paya
- In-person terminal — NOP-enabled contactless payment terminal for card-present transactions
- Online payment portal — customers and patients pay invoices online with dual pricing displayed
- Phone payments — staff can process payments over the phone with NOP disclosure
- Recurring billing — subscription and installment payments at zero processing cost
- ACH processing — bank transfers at zero cost (compared to Paya's 0.5-1.0% ACH fee)
- No contracts, no minimums — unlike Paya's variable contract terms, PaySec offers flexibility without lock-in
- Multi-location support — centralized processing across multiple business locations
Who Benefits Most?
The switch from Paya to PaySec delivers the greatest value to businesses processing $25,000 or more per month, healthcare practices and organizations that need HIPAA-compliant processing, B2B companies collecting large invoice payments where per-transaction fee savings are significant, nonprofits where every dollar saved can be redirected to the mission, and government-adjacent organizations looking to reduce operational costs.
If you chose Paya for its reliability and integration support, PaySec matches those capabilities while eliminating the cost that Paya cannot avoid charging.
Getting Started
- Contact PaySec for a merchant account in your industry. Approval takes 3-5 business days with no minimum volume requirements.
- Review your current Paya integration points with PaySec's team to ensure a smooth transition across all payment channels.
- Deploy PaySec with NOP across your payment terminals, online portals, and recurring billing systems.
- Transition processing from Paya to PaySec and begin processing every transaction at zero effective cost immediately.
PaySec delivers everything you need from a payment processor — reliability, integration, security, and compliance — without the processing fees that Paya charges on every single transaction.