WebPays

Pros: There are no pros. They are scammers. Do not use them! They will still your money and never pay anything to you.

Cons: ⚠️ SCAM WARNING – STAY AWAY FROM PAYWB ⚠️
Scammer company that will steal your earnings. They never pay. Here’s the con:

They promise full processing but their system doesn’t work (Visa/MasterCard failed for us).

After just 2 weeks, we left them — but they kept over $10,000 of our funds.

For 6 months, they blamed the “acquirer” and ignored payout requests.

When time was up, they made up a fake $100K fine and asked us to “confirm we’ll pay it”.

Their support is full of fake Skype accounts and zero accountability.

Classic scam tactics: delay, deflect, invent fees, and vanish.

Bottom line: You’ll never see your money again. Avoid PayWB at all costs.

Overall: ⚠️ SCAM WARNING – STAY AWAY FROM PAYWB ⚠️
PayWB is a complete scam. Don’t fall for it.

They’re holding over $10,000 of our money and flat-out refuse to pay it out. Their system didn’t even work properly Visa and MasterCard transactions failed within the first two weeks, so we dropped them. They are refusing to pay your money.

For six months, they kept making excuses, always blaming the “acquirer.” Now that the 6 months have passed, and after about 10 emails from us, this is all they sent back:

Sent on: Yesterday, 12:52
Re: FNF SETTLEMENT, Our Ltd.
To: My name

Dear Merchant

Greetings of the Day !

We are writing this mail to inform you that in our following discussions with the acquirer, it has been confirmed that there is an outstanding fine that needs to be settled prior to the FNF (Final Net Funds) settlement procedure. The amount of the fine is 100K USD, which you will be required to cover.

To proceed with the final settlement, we kindly request your confirmation that you are willing to take responsibility for covering the fine.

Once we receive your confirmation, we will coordinate with the acquirer to verify the fine's calculations and provide you with an approximate update regarding the settlement process.

We appreciate your prompt attention to this matter

--
Best,
PG Operations | Customer Service

So basically, not only are they keeping our money, but now they want us to pay some fake $100K fine just to get it back. Total BS.

Pros: THIS is not business like.
It's a scam. He is not replying to my answers, but wanted a lot of documents before the contract.

Cons: Read in overall. big scam unfortunate read in overall.

Overall: I went to the homepage first to look for a Acquirer who supports High Risk Merchant. on the first looks they do.
Filled the formula. Then it started...
I got a message from a number from the Netherlands (no glossary on their side)
He replied Hi, didn't tell me where he was, just assuming I know it from the WhatsApp picture.
Asked about the business, wanted a Business Questionnaire - so far alright.
Then he wanted also the 3 month processing history. That is also common, otherwise you need to have a business plan.
Now is the moment you get a contract, rates, sign up at a page and do the KYB /KYC compliance.
BUT that person wanted to have all the documents even before. He wrote:

"Hey, Its under review, the approval team is working on it , I'll let you know once I got nay update for them
I'm gonna meet the acquirers today , hopefully I'll get the rates.
Please share the UBO documents"

And that started me thinking. UBO (Ultimate Business owners) was filled out in the questionnaire.

The after half a day I asked him where are we and he responded:

1. Company Registration Papers
2. ID proof (passport/driving license)
3. Add Proof (utility bills)
4. Processing History
5. Latest Bank Statement
6. Domain Ownership Proof
7. Business Questionnaire (Attached)
8. Incumbency certificate
9. MOA/AOA
I need these
you have shared BQ and PH
please share what you have

That was the moment I knew it is 100% SCAM
I was not willing to continue and he pursued even more:

"Well, We are only dealing with high risk merchants, but to get rates it takes some time as I said I'm gonna meet them today. Also we do not have fixed rates for everyone Ben so please be patient and be assured that you files has been approved , I'm just waiting for the rates.
And yes, as I said It's approved ,just waiting for the rates and those docs were needed so that I can negotiate with them"

I told him that I have another Acquirer who approved me and gave me rates already and he asked whats the percentage is like and -

"Let me tell you one thing , we only charge on successful transaction
And we handle the charge backs up to 5%"

- continued. So don't do it.