Gray Pay Review


Based in Los Angeles, Gray Pay is an all-round merchant service provider with a focus in two particular niches. The first is the complex internet retail market and the second is the high-risk market, which covers industries ranging from adult entertainment to gambling and gaming. The latter market also includes perfectly legitimate businesses who are suffering from poor credit scores. The Californian outfit has been praised for providing merchant services to down-and-out companies, whilst also maintaining a regular service to all applicants and a strong support model. The high approval rate and low approval time don’t do the company any harm either.


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The wide range of features on offer from Gray Pay is concentrated on “card not present” transactions, chief amongst which is online and e-commerce. Phone payments also fall into this category, as do any transactions where the card does not need to be present for a swipe or chip & pin payment. The associated risk with this type of transaction had driven the LA company to offer an absolutely PCI compliant payment gateway, equipped with the strongest protection in the market. Supporting a range of processing systems, the gateway can be connected to a virtual terminal for travelling or mobile vendors.

Gray Pay customers can also establish repeat payments and upload orders in bulk to their system, with all features readily compatible with existing merchant services. Smartphones can be transformed into a portable card processor with a special device from the provider. Retailers can also access detailed reports to more closely monitor business activity.

Service Ideal For:

The retailer who would glean most benefits from a partnership with Gray Pay would be an online retailer with poor credit or involvement within high-risk business areas. Those taking solely “card not present” transactions will enjoy an advantage from Gray Pay, which includes mail and phone order retailers and online e-commerce websites. Every company is eligible for an account in theory, but it’s these risky businesses which make up the core of Gray Pay’s customer base.

Signup Process:

Gray Pay’s “business analysis” is a great starting point for signing up. During this, an expert business analyst from the company will assess both your business and your current provider. After this, you can put together a plan together and apply for an account; which will be approved 9 times out of 10. Give the company a call to arrange an analysis or a direct application; you’ll be afforded bespoke service.


Like most merchant service providers that offer accounts to high-risk industries, Gray Pay doesn’t publish a comprehensive list of prices. Rates are flexible and negotiable, bespoke to each account and dependent upon a number of factors. There are no hidden fees or surprise pricing, but you may find the fees slightly inflated to accommodate the added risk that the provider will be assuming. It’s always worth requesting a trial period to assess the suitability of Gray Pay to your needs. The prices shown below are average fees that one can expect when applying:

Basic Pricing:








Credit Card Fees – Retail:



1.99% - 2.55%




Online Account Fees – No Card Present:



1.79% - 1.99%




Ease of Use:

For businesses conducting phone, mail and online orders; there is a real necessity for the hands-off approach. Gray Pay understands this and implements the system perfectly, with all of the complex technology working hard behind closed doors to deliver a safe and secure range of merchant services. As a result, the company becomes an intuitive provider with ease-of-use as a forefront focus. With a high approval rate and a nod toward high-risk businesses, many companies will find Gray Pay their saving grace.


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