Anovia Payments Review

Overall Rating Breakdown
Sales & Marketing Tactics
Costs & Contract Terms
Complaints & Service

Anovia Payments

"A-" Credit Card Processor Rating

Last Updated: February 28, 2014

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Anovia Payments Overview

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Anovia Payments Logo

Anovia Payments ( is an Irving, Texas-based merchant account provider with operations in North American and Europe. Founded in July 2013 by the former president and vice president of sales at SignaPay, Anovia offers debit and credit card processing, gift card processing, electronic check conversion, e-commerce solutions, and a proprietary back office management system called “Virtual Office.” The company relies on TSYS Merchant Solutions for its processing network in the U.S. and First Data for its processing network in Canada. Anovia Payments is headquartered at 600 Las Colinas Blvd., Suite 1200, Irving, Texas 75039, and the company is a registered ISO/MSP of Merrick Bank, South Jordan, Utah.

Anovia Payments Sales & Marketing Tactics | A

Anovia Payments hires in-house, W2-employed sales representatives to market its services directly. While this is preferable to the industry standard of hiring independently contracted agents, it is worth noting that Anovia has recently partnered with a telecommunications company called ACN to refer merchants. Although ACN has received numerous negative reviews online, an Anovia representative has stated that ACN sales reps do not have the ability to offer specific pricing or product recommendations to merchants. In addition, merchants interact with Anovia for the entire sales process, and ACN representatives are not involved directly with merchants. Given this sales structure, it seems unlikely that merchants will experience deceptive practices when dealing with Anovia Payments.

Anovia Payments Costs & Contract Terms | B

There is no specific information available online about the standard Anovia Payments contract at this time. The company’s partnership with TSYS means that Anovia Payments likely offers contract terms that are very similar to those of TSYS. It is possible that these terms may vary, though, depending on a merchant’s business type, size, and time in business. One complaint in the comment section of this review describes fund withholding by Anovia, but this seems to be an isolated incident at this time.

Our review of TSYS grades that company’s contract terms as a “C,” but Anovia is not showing any complaints online about its contract at this time. We will therefore split the difference and award the company a “B” until more is known about its contract terms. If you have any knowledge about the standard Anovia contract, please leave that information in the comment section of this review.

Anovia Payments Complaints & Service | A-

We are able to locate three Anovia Payments complaints in the comment section below this review, and none of these accuse the company of being a scam. Each complaint cites a different issue, from internal problems among employees to difficulty cancelling service to fund holds. The Anovia website lists a phone number for general customer support and an email form for non-urgent issues. Given the company’s complaint volume, we will award it an “A-” at this time.

Anovia Payments BBB Report | N/A

There is currently no BBB report available for Anovia Payments. This is likely due to the fact that the company is only six months old. The BBB does maintain pages for Anovia’s processor, TSYS, and its referral partner, ACN, but we will not factor these pages into our overall rating for Anovia.

Bottom Line

According to the small amount of information available about the company, Anovia rates as an above average merchant services provider. The company’s rating should continue to change as it grows and accumulates reviews online.

Leave your review of Anovia Payments in the comment section below:

Anovia Payments Review

Rated 4 Out of 5 Stars
Reviewed by Phillip Parker
Reviewed on 2014-04-29 15:08:55

UPDATED: Feb 28, 2014 – We are able to locate three Anovia Payments reviews, and none of these accuse the company of being a scam or a ripoff… According to the small amount of information available about the company, Anovia ( rates as a reliable merchant account provider… Learn more in this Anovia Payments review.

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About the author

Phillip Parker

Phillip Parker is a former merchant services agent turned small business advocate and the author of "Fee Sweep," which teaches merchants how to dramatically lower their processing rates, eliminate junk fees, and avoid fine-print scams. He founded to help merchants enact positive change in the credit card processing industry.

Phillip can help you find an ethical and honest processor that will offer you great rates. Click here to request a free provider consultation.

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  1. Jennifer Hall

    Beware !!!!!! This company lies. I am making a written complaint to the Texas BBB and the Attnorey Generals office. I was told by the sales person, who swore they could do the things I needed.

    I decided to get a written quote from this company since my contract was up. They said $20.00 per month savings. Great. So I thought. Come too find out one day into this they could not do what I wanted. It took me 6 days to get my money. Then after one week of use. I wanted out and to go back with my old company they charged me $495.00 cancellation fee. Even though their company could not do what I needed and after they lied and said they could. Then I find out there was a 19.95 hidden fee for PCI companies, so I really had no savings.

    The salesperson, basically said oh well. They never called me back.

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  2. Brian Dayton

    Anovia promised a $100 Visa gift card if they could not beat my current rates. In fact, they could not beat my rates, and they have never sent the gift card. I have contacted them seven times in regards to this with no avail. Steer clear of this company.

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  3. Kregg

    We recently switched our processing to Anovia payments and couldn’t be happier. We are saving significant money over the previous company and the transition was absolutely seamless. The boss asked when the change was going to happen and I told him it already had. He didn’t believe me until we looked at the bank statement and saw that 4 days previous the credit card receipts had started coming in from Anovia. That was the easiest, smoothest transition I have ever experienced.

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    1. Phillip Parker

      In order to authenticate your testimonial, please reply to this comment with your business name and location.

      Did you find this review helpful? Yes   No

  4. Brian

    Follow up to my first posting, DAY 117, they dinged my girlfriends business account for $500. That means either her business rent cheque, or one of two of her suppliers cheque will bounce. The repercussions to a two employee cafe will be huge. It will add another couple hundred dollars in bank fees, it will change her account privileges with two of her suppliers.



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  5. Mark

    I have used Anovia for a few months now. I signed up with Anovia through a client who works with ACN. I have owned my own business for 14 years now and have used a few different merchant processors. I was scammed by one (NOT Anovia) but have worked through the others ok.

    Merchant processing is unregulated by the federal government so you have to pay attention and protect yourself any way you can. It is almost always cheaper to buy your own processing terminal. Anovia will allow you to do this. NEVER SIGN A LEASE FOR EQUIPMENT. The rate is negotiable – just negotiate all rates and fees up front. Anovia doesn’t like to budge on contract length, but will consider dropping early termination fees to prices that are more reasonable and lower your risk of signing up. The time between a card being run and money being deposited in your account is somewhat negotiable, depending on industry-rated risk.

    I started my contract knowing it would be a 2 day turn around for deposits. After being with Anovia for over a month, I called in and asked for a 1 day turn around. They didn’t have to but they updated my account to 1 day! This moved Anovia to above average in my mind.

    To date, I haven’t had a single problem with Anovia and their rates are right where they said they would be. I run a small automotive repair business and take Visa, MC, Discover, and American Express.

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    4 / 4 found this review helpful.
  6. debra

    I have been an Anovia customer for less than a year. For the second time, Anovia has overcharged me. They are difficult if not impossible to get ahold of. No one calls me back. I want to cancel the service but they will charge me $420.00.

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    6 / 8 found this review helpful.
    1. Brian

      I am an ACN IBO who tried to switch my girlfriends cafe over to Anovia. The promotion was if they can’t match, you get $100 Visa Gift card. We faxed in all the information and here is what happened.
      1) We were sent numbers and a contract that indicated they would beat the price. Everything was YES YES YES NO problem.
      2) As soon as we opened the the box, we knew there was trouble. They sent an inferior terminal and we immediately called them to let them know. They then proceeded to delay delay delay. I will get back to you BLAH BLAH BLAH.
      3) Finally they agreed that it was inferior, but it wasn`t their fault, they explained everything and it was MY FAULT!
      They also wanted a $500 restocking fee and as soon as we paid, they would ship the new one.
      4) Well its day 116, we have their terminal, they have taken $195.05 in fees out, and we haven`t even connected the equipment. We get no phone call from Anovia or their Merchant service partner First Data.

      My advice, stay away from Anovia and First Data merchant services. Pathetic Customer Service, and you will be their next Hot Potato

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