10 Rates & Fees Excellent - Low Tiered & Interchange-Plus Pricing
10 BBB Rating & Complaints Excellent
10 Terms & Contract Excellent - Month-to-Month / No Cancel Fee
10 Competitive Advantages Excellent - Standard & High Risk / Lifetime Rate Lock

Updated on November 22, 2021

LEAP Payments Processes Mail and Telephone Order Charges with Speed and Accuracy.
Gregory Bair

LEAP Payments Mail Order/Telephone Order (MOTO) clients can take payments from Mastercard, Visa, Discover, American Express, and even checks with accuracy and speed. This service is currently a bright spot in this channel and provides vendors with experts who can show a new or established MOTO business techniques in quickly collecting funds. A friendly, knowledgeable person in a world of touch screens often brings a bumper crop of sales to a business and the ability to process these orders is paramount to a vendor’s success. LEAP Payments standard policies of a low cost and lifetime rate lock apply to their MOTO service. All of these services offer a comprehensive way for a merchant’s customers to place increased orders.


LEAP Payments is a merchant account processor provider.  Established in 2009 and based in California, they provide great 24/7 customer service, low costs, and many solutions.  What they emphasize is that new customers should call in and speak with a friendly, knowledgeable service person so that you get into the correct program that best meets your needs.

LEAP Payments provides:

  • Next Day Funding – the deposit goes into your checking account the next day (and as soon as within 8 hours if that is needed)
  • Mobile phone transactions from many types of smartphones – which appeals to companies who serve their customers “in the field.”
  • Low cost credit card terminals
  • Point of sale systems (POS) – integration, consulting, upgrading and also iPad use to accept payments
  • Online Terminal (virtual terminal), with an optional card reader and receipt printer
  • eCommerce solutions (shopping cart integration and online payment processing) – this is perfect because you can rely on LEAP Payments and not have to work with several different service providers
  • Lifetime Rate Lock for credit card processing rates – this helps you plan and know your budget
  • 100% compatibility with Apple Pay’s NFC solution (by using LEAP’s latest Ingenico and Verifone credit card machines).
  • And much, much more

LEAP Payments provides solutions that range from a basic credit card machine to point of sales solutions, to wireless credit card processing, to customized advice, and more.  LEAP works with companies that have a lot of experience in collecting credit card and debit card payments and they work with “newbies” – people and small companies that are just starting out a credit card processing company.

LEAP Payments MOTO Merchant Review
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MOTO – Mail and Telephone Orders

If a vendor offers MOTO services to their customer base, they should consider LEAP Payments for their no-contract, low fee approach to their clients. Whether a startup enterprise or a large, well know concern, offering mail order/telephone order service can bring substantial revenue to a business. LEAP Payments has a solid history of quickly and accurately collecting payments for MOTO vendors.  Their representative will walk a vendor through the process and will continue to provide stellar customer service during the life of the engagement.

Products and Services

Customers have many options in choosing what they need for their business.  LEAP Payments provides solutions that have been around for many years, such as the simple card swipe POS system.  Yet, LEAP Payments is also focused on helping merchants and businesses take advantage of all the new trends and technology.  As companies become familiar with LEAP, they will see that they can use LEAP services for the growing practice of people using their mobile phone to make credit card payments.

Here is a sampling of additional features available through LEAP Payments:

  • Next Day Funding allows faster payment for a nominal fee.
  • Lifetime Rate Lock guarantees that LEAP Payment’s rates will not increase for your account.
  • Old Fashioned Customer Service allows you to process online credit card transactions with your computer with LEAP Payment’s Virtual Merchant solution and Converge Gateway.
  • Integrated Point of Sale (POS) systems with an existing or new POS system.
  • Customers can accept credit card payments online through a virtual terminal or in their QuickBooks or practice management software.
  • A PC can be used as a virtual credit card machine.
  • Gift Cards are available – to make more money, please end customers, attract new customers, and build customer loyalty with end customers. No risk, they must be activated on purchase.

Next Day Funding

LEAP Payments has a very nice next day funding program.  If the transaction batch process is completed by as late as 10 p.m. EST, the customers can find their payment in their checking account the following day (or on Monday for weekend batches) for a small monthly fee of $9.95 or less.  This service moves cash to the business quickly; it really can help your cash flow be less restrictive.

LEAP Payments provides complete training so that its customers can use whatever system(s) or devices they choose.  This means that the LEAP Payments customer can get a good night’s sleep because they know that security is in place with these devices.

Rates, Fees, and Pricing

Device rates are as follows

Device Rate
EMV/NFC $399, with a merchant account
Basic Dial-up Terminals $199 each, with a merchant account
Internet Connected Terminal $299, with a merchant account
PC Connected Virtual Terminal $79, with a merchant account
Wireless Terminals $449, with a merchant account
Your Cell Phone You can add a card swiper to transform your phone i