Big Sky Commerce Review

Big Sky Commerce is a Missoula, Montana-based merchant account provider that offers credit card solutions for retail, mobile, and e-commerce business types. Founded in 2003, Big Sky Commerce is partnered with TSYS, Chase Merchant Services, First Data (now Fiserv), and formerly National Processing Company (NPC) for its processing.

Payment Processing

Big Sky Commerce provides payment processing services that accommodate all major debit and credit cards, suitable for a variety of business types.

Check Guarantee and Conversion

Big Sky Commerce offers check guarantee and conversion services to help businesses manage check payments more effectively. These services convert paper checks into electronic transactions.

Electronic Benefits Transfer

Big Sky Commerce supports Electronic Benefits Transfer (EBT), allowing businesses to accept government-issued benefits cards.

Gift and Loyalty Cards

Big Sky Commerce provides gift and loyalty card programs aimed at enhancing customer engagement and retention. These programs allow businesses to offer customized rewards and incentives, encouraging repeat patronage and building customer loyalty.

Fleet Card Processing

Big Sky Commerce offers processing for fleet cards, including Comdata, Voyager, and Wright Express. This service is designed for businesses that manage vehicle fleets, providing a streamlined way to handle fuel and maintenance expenses.

POS Solutions

Big Sky Commerce supplies point-of-sale (POS) solutions tailored to various business needs. These systems facilitate efficient sales transactions, inventory management, and customer interaction, supporting overall business operations.

Mobile Processing

Big Sky Commerce provides mobile processing solutions, enabling businesses to accept payments on the go. This service is ideal for businesses that operate outside traditional retail settings, offering flexibility and convenience in payment processing.

e-Commerce Solutions

Big Sky Commerce offers e-commerce solutions to support online transactions. These services integrate with existing websites to provide secure and efficient payment processing.

Clean Complaint Record

We have not found any negative Big Sky Commerce reviews on the usual consumer protection websites, indicating a clean complaint record and suggesting that the company operates ethically. Positive testimonials on the company’s website and other forums further support this notion. It appears that Big Sky Commerce provides excellent customer service and resolves most issues in a timely manner. If you have your own Big Sky Commerce review to share, please do so in the comments below.

Big Sky Commerce Lawsuits and Fines

We have not found any outstanding class-action lawsuits or FTC complaints filed against Big Sky Commerce. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting their concerns to the relevant supervisory organizations.

Big Sky Commerce Customer Support Options

The company’s website lists phone contact information and office hours, indicating that phone support is at least partially provided by Big Sky. While it appears to offer satisfactory customer support, we do not consider it to be a top-rated credit card processor for customer service.

PaymentPop Rating for Big Sky Commerce

Negative Feedback

There are no negative reviews published about Big Sky Commerce on the PaymentPop website.

Big Sky Commerce BBB Rating

The Better Business Bureau currently awards an “A+” rating to Big Sky Commerce and is showing 0 complaints filed in the past 36 months. The company has been accredited since 2023.

The company has received 0 informal reviews on its BBB profile in the last 36 months. It should be noted, however, that informal reviews are not verified for their legitimacy like complaints filed with the BBB are. A previous review detailed a personal level of customer service:

Though this review reflects best practices of any customer service, Big Sky Commerce still does not rank as one of the best merchant accounts in this area.

An “A” Performance

Given the company’s time in business, age of profile, and complaint record, we agree with the BBB’s rating in this case.

Google Maps Rating for Big Sky Commerce

Big Sky Commerce has a 4.8 out of 5 star rating based on 26 user reviews on Google Maps.

Customizable Pricing

Specific information about Big Sky Commerce’s standard contract is limited. The company, which collaborates with several backend processors, tailors pricing plans to fit individual merchant requirements. As a result, the company’s pricing and fees likely differ based on each merchant’s business type and the specific agent arranging the account. While there are mentions on consumer protection sites of a $300 early termination fee for cancellations within the first year, this fee might be negotiable and may not be universally applicable.

Virtual Terminal and Payment Gateway Pricing

Big Sky Commerce also offers virtual terminal and payment gateway services, though their specific pricing details are not publicly disclosed. The company utilizes processing networks like TSYS, Chase Merchant Services, First Data/Fiserv, and National Processing Company. While their site isn’t explicit about gateway services through these networks, additional costs such as gateway fees, technical support, batch fees, and transaction rates are typical for e-commerce services.

No Contract Complaints

To date, there are no widely reported client complaints concerning Big Sky’s rates and fees, suggesting client contentment with their agreements. If you have details about the typical Big Sky Commerce merchant agreement, including any PCI compliance fees or monthly minimum fees, please share in the comments below.

For a broader range of options, we recommend readers to review our selection of the best merchant accounts.

In-House Sales Team

Big Sky appears to utilize traditional advertising methods and an in-house sales force to market its services. There is currently no evidence that the company is a hiring mill, and we can’t find any Big Sky Commerce reviews that accuse the company’s sales team of deception or nondisclosure.

This compares favorably to our list of best credit card processors.

No Deceptive Ads

As an additional point in the company’s favor, there are no instances of misleading rate quotes on its website. In fact, Big Sky openly encourages clients to purchase rather than lease equipment, which demonstrates a commitment to fair and honest pricing. If you suspect that Big Sky Commerce is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden costs.

Big Sky Commerce rates as an exemplary credit card processing provider according to all available information. The company boasts a clean complaint record and appears to offer quality customer service to its clients. We do not have details regarding Big Sky’s contract terms at this time, so readers should be sure to inquire about all possible fees before signing up for service and to compare them to those of top-rated merchant account providers.