20 Years of Industry Analysis

Holding Payment Processors Accountable

For more than two decades, we have worked to dismantle unnecessary complexity in the payments industry, championing transparency and holding accountable those who profit from misleading or predatory practices.

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How we evaluate

Our Research Methodology

We analyze payment processors using a comprehensive evaluation framework based on 20 years of experience in the payment processing industry.

Terms & Conditions: We review service agreements and equipment contracts for reasonability, transparency, and fairness. We focus on uncovering any predatory clauses, such as unjustified early termination fees, hidden costs, and unclear cancellation policies.
Sales Practices: We evaluate sales tactics, marketing materials, and client feedback to determine the level of transparency and ethical nature of the provider's marketing strategy and sales tactics.
User Experience: We comb the internet and interview current and former clients to evaluate the overall user experience and identify any common pain points that may impact the user experience.
Rates & Fees: We analyze all costs including rate structures (interchange-plus, tiered, flat-rate, etc), monthly fees, equipment costs, early termination fees, and hidden charges. This data is gathered from service agreements, statements and client feedback.
Technology: We review POS systems, e-commerce integrations, mobile capabilities, reporting tools, recurring billing, and developer resources. When possible, we directly test services and hardware. Otherwise, we rely on client feedback and public information.
Customer Support: We evaluate customer support through multiple channels (phone, email, chat) at different times to assess response times and expertise. We also consider the availability of support during off-hours and holidays.