What You Need to Know About Accepta Before You Sign a Contract

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All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.

Accepta

Rating
A
5/5
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Pros and Cons of Accepta

Pros

Comprehensive payment solutions
Major processor partnerships
E-commerce integration
POS system support
Positive BBB rating

Cons

Potential setup fees
Possible equipment costs
Undisclosed contract terms
No mobile app
Limited high-risk support

Overview

In this review of Accepta, we take a close look at the company’s payment processing services. Accepta offers credit card processing, point-of-sale systems, and e-commerce tools for businesses of all sizes. We’ll cover their pricing, contract terms, and customer feedback to give you a clear picture of how they operate. We’ll also examine their fees, how transparent they are, the quality of their customer support, and overall client satisfaction. By the end, you’ll know if Accepta is the right choice for your business.

About Accepta

Screen Capture of Accepta Homepage
Accepta Homepage

Also known as “Accepta Payments”, Accepta is a merchant account provider that provides payment processing solutions for businesses located in the U.S. and in Puerto Rico. The company operated under the name “Paytech Corporation” until 2016, when it rebranded following an acquisition by Accepta, LLC. Accepta’s traditional payment solutions are provided through partnerships with Vantiv, Global Payments, First Data (now Fiserv), and TSYS.

In 2022, Accepta acquired the payment profile of Softek.

Products & Merchant Services

Payment Processing

Accepta provides payment processing services for major debit and credit cards. This service allows businesses to accept payments from various card networks.

POS Solutions

Accepta offers Point of Sale (POS) solutions designed to streamline business operations. These systems assist in managing sales transactions, inventory, and customer interactions.

e-Commerce Payments

Accepta supports e-commerce payments, enabling businesses to process online transactions securely. This service is vital for businesses with an online presence.

Mobile Payments

Accepta provides mobile payment solutions, allowing businesses to accept payments via smartphones and other mobile devices.

Customer Reviews & Sentiment

No Public Complaints

As of now, we haven’t found any negative reviews about Accepta, and there’s no indication that the company engages in fraudulent activities. While there are a few complaints related to Paytech Corporation, their reliability is uncertain, and they might be more linked to end-user issues than problems with merchants. With the limited number of complaints available, it’s challenging to draw definitive conclusions about Accepta’s customer support and complaint history. We encourage individuals with experiences regarding Accepta to share their reviews in the comments section below.

Accepta Lawsuits and Fines

There are no ongoing class-action lawsuits or FTC complaints against Accepta to our knowledge. Dissatisfied clients seeking non-litigious resolutions are encouraged to report their grievances to the relevant supervisory organizations.

Accepta Customer Support Options

Accepta primarily conducts its customer support through a ticket submission system, although it does offer phone and email support as well. While this approach is in line with the standards of top-rated payment processors, it’s crucial for Accepta to ensure that its support channels effectively address customer needs.

Industry Scores & User Ratings

Online Ratings Summary
PaymentPop5
BBB RatingN/A

PaymentPop Rating for Accepta

Negative Feedback

There are no negative reviews published about Accepta on the PaymentPop website.

Positive Feedback

Absolutely love Accepta credit card processing! ?? It’s been a game-changer for my small business. Smooth setup, increased sales, and top-notch customer service. The security features are impressive too. Highly recommend! ?? #Accepta #CreditCardProcessing #SmallBizSuccess

Accepta BBB Rating

Accepta currently receives an “A+” rating from the Better Business Bureau and has been BBB-accredited since 2018. The company has not received any complaints in the past three years. It also has not received any informal reviews.

An “A” Performance

Given Accepta’s clean complaint record, we agree with the BBB’s rating at this time. Business owners should note, however, that there are good reasons to be skeptical of the BBB’s rating system.

Processing Rates & Fees

Variable Contract Terms

Publicly accessible details about Accepta’s standard contract terms are limited, and there are no prevalent complaints regarding excessive or undisclosed fees by the company. As a reseller of accounts from TSYS, Global Payments, First Data, and Vantiv, Accepta’s rates and terms might closely align with those of these providers. Standard contracts from these companies often include multiyear agreements and early termination fees. Costs such as PCI compliance fees may also vary across different providers.

Virtual Terminal and Payment Gateway Pricing

Accepta extends its services to include virtual terminal and payment gateway solutions, collaborating with gateway providers like Shopify, WooCommerce, Magento, and PinnacleCart for e-commerce processing. The pricing for these services depends on the selected gateway provider, with common additional fees including gateway fees, technical support fees, batch fees, and other transaction rates applicable to e-commerce services.

No Red Flags

While Accepta’s proprietary software and web solutions have undisclosed rate structures, it’s possible that the company offers competitive terms similar to budget-friendly payment processors. Those with insights into the standard Accepta contract are encouraged to share their experiences in the comments section below this review.

For further exploration, readers can consult our list of the best merchant accounts.

Employee Reviews & Sales Practices

Inside/Outside Sales Team

Accepta appears to primarily market its services through strategic partnerships, resellers, and independent sales agents. The company has announced its specific intention to cater to the Latin American business community, citing its Puerto Rican base of operations and bilingual staff as valuable assets. We have not found any Accepta reviews of their sales department, and there is currently only one PayTech negative review that cites deceptive sales practices by the company’s agents. This complaint, which does not appear to be especially reliable, was filed on Ripoff Report and received a professional rebuttal from the company. In general, this compares favorably to our list of best credit card processors.

No Misleading Quotes

Accepta Payments does not list any misleading rate quotes or unrealistic guarantees on its website. If you suspect, however, that you have been deceived by an Accepta representative, we recommend a third-party statement audit to double-check your monthly bill.

Accepta Competitors

Compare Accepta to competitors that earned top marks.

Bottom Line

According to all available information, Accepta rates as a dependable credit card processing provider. Currently, specific details about the company’s sales tactics and contract terms remain limited, meaning the rating could shift once more information becomes available. Even when working with companies that score highly by our standards, we urge readers to thoroughly examine any contract terms provided and compare pricing with that of top-rated merchant accounts. Taking these precautions will ensure that businesses receive the most favorable terms and the best value for their particular processing needs.

Read Actual User Reviews

All user reviews have been moved to our partner, PaymentPop.com

Contact Accepta

Contact & Customer Support
CEOCandido Alfonso
HeadquartersMontehiedra Office Center, 9615 Avenida Los Romeros Suite 803, San Juan, 00926, Puerto Rico
Local Office+1 (787) 774-1555
Toll-Free Support+1 (833) 222-3780
Fax+1 (718) 732-2979
Additional Support ChannelsOnline Contact Form
Websiteacceptapayments.com