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Updated 7/29/2015: Verifone discontinued its line of SAIL products in December 2012. Its assets were acquired by Capital One and restructured to create Spark Pay.
SAIL (sailpay.com), also known as “SAIL Pay” and “SAIL Payments,” is a mobile credit card processing application for use with smartphones, tablets and some dedicated countertop payment terminals. The service launched in mid-2012 and is the creation of the popular card processing hardware maker Verifone. SAIL is Verifone’s attempt to compete with similar services such as GoPayment, PayPal Here, Pay Anywhere, and Square.
Like its competitors, SAIL provides an easy signup process, free app & card reader, simple pricing and month-to-month service terms. The fees for SAIL resemble that of GoPayment because SAIL has two different account types. The first, dubbed the “Go” plan, has no monthly fee and charges a swipe rate of 2.70% (2.95% for AMEX cards) and a key-in rate of 3.70% for all card types including international transactions. The second, called the “Pro” plan, includes a $9.95 monthly service fee but lowers the swipe rate to 1.95% (2.95% for AMEX) and the key-in rate to 2.95% for all card types.
Aside from a reasonable fee schedule, SAIL promotes that it integrates with Stitch, a sales management tool, to allow merchants to track inventory across multiple sales channels including well known applications such as Etsy, BigCommerce and Shopify. Additionally, Verifone has included a 24/7 customer support number (855-SAILPAY / 855-724-5729) as well support by email, Twitter and Facebook.
As of this review, SAIL does not have a Better Business Bureau (BBB) profile and no complaints in the other usual forums. However, the service is getting an average rating of 3 out of 5 stars in the Android and Apple marketplaces. Of the negative reviews, users are mostly reporting difficulties with the app loading slowly, consistently crashing, or having compatibility problems with a device. It may be too early to tell if these are widespread problems or isolated incidents.
VeriFone Systems, Inc., is located at 2099 Gateway Place, Suite 600 San Jose, CA 95110. As of this review, it is unclear which company is acting as the transaction processor for SAIL.
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This review was originally published on 9/17/12 and was last updated on 7/29/15.
Update 7/29/15: Groupon Payments has been rebranded as Breadcrumb. Please see our Breadcrumb review for more information about this product.
Groupon Payments (grouponworks.com/merchant-solutions/payments) is a new service launched by the popular daily deal website, Groupon.com, which enables merchants to accept credit card payments via their smartphones. Like its predecessors, such as Square and GoPayment, Groupon Payments includes a free app and audio jack card reader, and doesn’t appear to have any other monthly fees or time commitments. Additionally, the company claims that it will beat any competitors’ fees if they offer the exact same service.
Groupon provides very little detail about the Terms & Conditions of Groupon Payments or its complete pricing schedule via its website. Some might even say that the rates quoted on the site are slightly deceptive. Groupon promotes a swipe rate of 1.8% plus $0.15 per transaction for VISA, MasterCard and Discover (2.3% + $0.15 for keyed sales) and 3% plus $0.15 for swiped AMEX transactions ( keyed: 3.25% + $0.15). According to other sources, these low rates are reserved only for merchants who run “Daily Deals” with Groupon. Otherwise, the swipe increases to 2.2% plus 15 cents per transaction for VISA, MasterCard and Discover. It is unclear as of this review how much the keyed and AMEX rate increases because Groupon does not publish this information, instead requiring merchants to enroll or call a customer service line.
It is too early to rate how well the service is performing with merchants, or if there are any common complaints. However, Groupon is providing a dedicated support team reachable by both phone and email seven days a week, which may be advantage over competitors like Square. The company, itself, currently holds an “A” rating with the Better Business Bureau (BBB) and has been accredited since 2009. As of this review, the report states that 498 complaints have been filed within the last 36 months and that all but 62 have been resolved to the customer’s satisfaction. It should be noted that complaints against the company could be from merchants as well as consumers. Numerous complaint also exist outside of the BBB, most of which appear to be consumers reporting problems with merchants who ran a Groupon Daily Deal.
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Leave your review or comments about Groupon Payments in the comment section below. A full CardPaymentOptions.com review is pending for this provider and your comments will be taken into account when the review is updated.
This review was originally published on 9/21/12 and was last updated on 7/29/15.