For anyone looking to do business with VyaPay please do your research and be aware that the owner Wain Swapp has been involved in lawsuits that allege he has stolen from his merchants and taken fees that grotesquely exceed the industry standard. Current merchants processing with VyaPay may want to check their statements for fee, rate, and deposit accuracy. Mr. Swapp has also been involved in lawsuits where he laundered his own merchant account and presumably kept money that was not his. These lawsuits involving Mr. Swapp and his previous payment processing business Community Merchant Solutions (CMS) can be found with a simple Google search. You may also want to ask yourself why he is constantly opening and closing payment processing businesses... Does it have something to do with him stealing money or improper / illegal business practices?