Soar Payments reviews
Soar Payments has a clean record and a very small review pool. It has been Better Business Bureau accredited since 2018 with an A+ rating and zero complaints in the past three years, alongside about 4.5 out of 5 from 17 Google reviews and a handful on Trustpilot and Facebook. In high-risk processing, an absence of complaints is worth more than a star rating, but 17 reviews is not a verdict.
This site
No merchant reviews yet
23 Google reviews
A few shortlist threads. No long-term merchant accounts.
What people say about Soar Payments elsewhere
Summaries of the public reviews and discussion on other platforms, written by our editors and dated. None of it is counted in the rating this site publishes.
Google reviews
Soar Payments on Google
Listed on Google as SoarPay, 21 Waterway Avenue Suite 300, The Woodlands
- 5 star
- 20
- 4 star
- 0
- 3 star
- 0
- 2 star
- 0
- 1 star
- 3
23 reviews on The Woodlands listing, 4.5 average, 20 of them five star. Too few to be a rating, and the shape is the one you see on every high-risk ISO: the praise is about getting approved, the criticism is about what happened afterwards. The positive reviews are from merchants who had been turned down elsewhere and describe a named rep staying with them until a bank said yes, plus, notably, several who single out being able to reach a person by phone without waiting. The three one-star reviews are the ones to weigh. One describes funds held from the first transaction. One describes a 395 dollar termination fee charged three and a half years after signing, on an account placed with Clearent. Both are complaints about the acquirer's terms rather than about Soar's service, which is the structural thing to understand about buying through an ISO.
What reviewers praise
- Approvals for businesses others declinedThe consistent five-star story: a named rep who kept working the placement after other providers had said no.
- You can get someone on the phoneReviewers single this out specifically, which is unusual enough in payments to be worth noting.
What reviewers flag
- Terms come from the acquirerA 395 dollar termination fee charged three and a half years in, on an account placed with Clearent. The paperwork is not Soar's, and that is the point.
- Twenty-three reviewsNot enough to average. Read the three negative ones in full rather than the 4.5.
In their words
The Soarpay team is fantastic! I've really enjoyed working with Kyle and the rest of the team. What stands out the most is how easy it is to reach them.
Read it in full
Started with Clearant thru Soar in 2020. Was informed that a termination fee would be charged if canceled within a year. 3 1/2 years later they charged me $395.00 termination fee.
Read it in full
What Reddit says about Soar Payments
r/smallbusiness, r/bigcommerce, r/smallbusinessowner · A few shortlist threads. No long-term merchant accounts.
Soar appears on Reddit the way most high-risk ISOs do: as one of three or four names suggested to a merchant who has just been dropped by Stripe, PayPal or Square, usually next to PaymentCloud and Durango. There is no first-hand account of running an account with them for a year. What the threads are good for is the advice that comes attached, and the most useful of it is a warning against the workaround people reach for first, which is onboarding with a mainstream processor under a mismatched merchant category code. The reply spelling that out points out that Stripe catches it through transaction patterns or a chargeback, and that the result is a termination rather than a freeze. That is the argument for using a placement service like Soar in the first place, made by someone who is not selling one.
What keeps getting raised
- A shortlist name, not a reviewed productSoar gets suggested alongside PaymentCloud and Durango. Nobody on Reddit has written up living with the account afterwards.
- The MCC workaround is worseThe most useful advice in these threads: signing up with a mainstream processor under a mismatched category ends in termination, not a freeze.
Threads worth reading
- PaymentCloud vs Soar vs alternatives? Real experiences appreciated.
r/smallbusiness · 4 May 2026 · 6 upvotes · 13 comments
The main thread naming Soar, opened by a developer placing a high-ticket resale client after PayPal froze them.
- Comparing High-Risk Payment Processors for BC
r/bigcommerce · 5 August 2026 · 4 upvotes · 11 comments
An adult-oriented store working through the same shortlist for BigCommerce.
- Do I need a payment processor that specializes in high risk for my online store or will a standard merchant account work?
r/smallbusinessowner · 4 August 2026 · 1 upvotes · 4 comments
The prior question, and the better one to read first: whether the business is actually high risk before paying high-risk pricing.
Comments worth quoting
If you onboard under an MCC that doesn't match what you're actually selling, Stripe will eventually catch it through transaction patterns or a chargeback.
Read it in full
Soar Payments reviews
Reviews submitted directly to this site by merchants who use Soar Payments, moderated before they appear. Separate from the Google and Reddit summaries above.
No merchant has reviewed Soar Payments here yet
Reviews are written by merchants who use the processor and are moderated before they appear.
Write the first reviewWhat the third-party review record shows
As of August 2026, Soar Payments has been Better Business Bureau accredited since 2018 with an A+ rating and zero complaints closed in the preceding three years. Independent investigation found no class-action lawsuits and no FTC complaints against it. Public review volume is small: roughly 4.5 out of 5 across about 17 Google reviews, a Trustpilot pool of around four reviews averaging 3.5, and about 15 five-star reviews on Facebook with nothing negative.
Independent merchant-services reviewers are positive, and the strengths they name are consistent: fast approval, responsive support, pricing described as transparent, and sound security practices. For a high-risk specialist those are the right things to be good at, and the absence of a complaint file over several years supports the picture.
It has to be said plainly that these samples are too small to carry statistical weight. Seventeen reviews and four reviews are anecdotes, not ratings, and some of the pools are on channels the company controls. The complaint record is the durable evidence here. The star ratings are decoration on top of it.
Themes across public reviews
Pros
- Zero Better Business Bureau complaints closed in three years, with accreditation since 2018 and an A+ rating
- No class-action litigation and no FTC complaints found, which in high-risk processing is a meaningful negative result
- Approval is described as fast, which matters when you have already been declined elsewhere
- Reviewers consistently name support responsiveness as a strength rather than an afterthought
- Pricing is described as transparent by independent reviewers, unusual in a segment where rates are always negotiated
- Serves high-risk categories that mainstream aggregators decline outright
Cons
- The public review pool is tiny, so there is very little merchant evidence to weigh either way
- Some review channels are ones the company controls or solicits through, which skews the sentiment positive
- Merchants report unexpected account holds and closures, which is common across high-risk but still disruptive
- One negative review concerns unauthorised charges and chargeback fees the merchant found excessive
- Rates are quoted rather than published, so you cannot compare before entering a sales conversation
- As a placement specialist rather than an acquirer, the terms that govern your account come from a backend processor
What the review record will not tell you
With a pool this small, the honest read is that reviews are the wrong instrument. What you have is a multi-year absence of complaints, litigation and regulatory action, which is a real signal in a segment where the bad actors leave paper trails quickly. What you do not have is any statistical picture of the merchant experience, and no amount of reading 17 Google reviews will produce one.
So shift the evaluation to documents. In high-risk placement the numbers that hurt are the reserve, the funding delay and the chargeback fee, and none of them appear in a review. Get all three in writing along with which backend you are being placed with, then ask what happens to your reserve if you leave and how long after termination it is released. The single complaint on file here concerns chargeback fees, which is the most predictable place for a high-risk merchant to be surprised, so make that the question you press hardest on.
What reviewers say in their own words
Excerpts below are quoted from reviews published on third-party platforms, with a link to each source. They are not reviews submitted to this site, and they do not count toward the Soar Payments rating shown above. Three excerpts with mixed provenance, and the difference matters. The first is from Trustpilot, an independent platform where Soar's pool is only three or four reviews. The other two are from the company's own review page, meaning Soar chose to publish them. Treat vendor-selected quotes as marketing that happens to be true rather than as evidence.
- "After repeated issues with other payment processors, Soar Payments has been an absolute godsend."
5 out of 5, Trustpilot, 2026 - "Great place to go for high risk merchant services! I love the consistent communication and how each day during the approval process I was updated on the status of my application."
a merchant, quoted by the vendor, Soar Payments' own reviews page, 2026 - "Amazing, responsive, extremely professional and informative through the application process"
a merchant, quoted by the vendor, Soar Payments' own reviews page, 2026
Frequently asked questions
- Are these Soar Payments reviews verified?
- The figures come from the Better Business Bureau, Google, Trustpilot, Facebook and independent merchant-services reviewers including Merchant Maverick and Card Payment Options, current as of August 2026. Be careful with the sample sizes, because they are small: around 17 Google reviews, a Trustpilot pool in single figures, and roughly 15 on Facebook. Reviews collected on a company's own Facebook page or via its own review invitations also skew positive by construction. None of these are reviews submitted to this site, and no merchant has published one here yet.
- Is a clean complaint record meaningful for a high-risk processor?
- More meaningful than a star rating, yes. The high-risk segment has a lot of providers that appear, sign merchants on poor terms and disappear, so Better Business Bureau accreditation since 2018 with zero complaints closed in three years, no class-action litigation and no FTC complaints is genuinely reassuring. It is evidence about conduct over time, which small review pools cannot provide. What it does not do is tell you what your account will cost or who will hold your money, and those are the questions that decide a high-risk placement.
- What do the negative Soar Payments reviews say?
- There is very little to report, which is itself the finding. One negative review describes unauthorised charges and excessive chargeback fees, and independent reviewers reading it concluded it appeared to stem from a misunderstanding of the merchant's own risk exposure rather than from misconduct. Separately, some merchants report unexpected account holds or closures. That is worth knowing but it is not specific to Soar: holds are routine across high-risk processing because the underwriting standards behind these accounts are tighter and the monitoring is more active. If you are high risk, plan for a hold at any provider in this category.
- What should you check before signing with Soar Payments?
- The things a small review pool cannot tell you. Ask which acquiring bank or backend processor you will be placed with, because that is who sets your real terms. Then get the full schedule in writing: discount rate and per-transaction fee, monthly minimum, statement and PCI fees, the chargeback fee, the reserve percentage and how long it is held, the funding delay, and the early termination fee. The one negative review on record concerns chargeback fees, so pin that number down specifically. Quote it alongside <a href="/processor/paymentcloud">PaymentCloud</a> and <a href="/processor/durango-merchant-services">Durango Merchant Services</a> so you have something to compare against.
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