Accepta Credit Card Processing 2023: Reviews & Complaints

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Accepta Rating
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image of a phone image of a phone that changes when your mouse hovers over it (787) 774-1555 View Pricing

Company Overview

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.

Accepta Payment Processing

Accepta processes all major debit and credit cards for most business types. Their services include POS solutions, e-commerce payments, and mobile payments.

Location & Ownership

Accepta is headquartered at Montehiedra Office Center, 9615 Avenida Los Romeros Suite 803, San Juan, 00926, Puerto Rico, and does not publicly list its banking partners. Candido Alfonso is the CEO of Accepta.

Table of Contents

Accepta Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Item Result
Total Online Complaints <10
Live Customer Support No
Most Common Complaint N/A
Recent Lawsuits No

No Public Complaints

We are currently unable to locate any negative Accepta reviews, and there is no reason to believe that the company is a ripoff or a scam. The few Paytech Corporation complaints that are available are of questionable reliability and may be related to end-user problems rather than merchant issues. At this time, there is not a significant enough body of complaints to draw any solid conclusions about the company’s customer support and complaint history. If you have your own Accepta review to make, please do so in the comments below.

Accepta Lawsuits and Fines

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

Accepta Customer Support Options

Accepta prefers to conduct its customer support via a ticket submission system rather than via live communication, though it does offer phone and email support. This is close to our expectations of top-rated payment processors for great customer service.

Accepta Customer Service Numbers

  • +1 (787) 774-1555 – Local Office
  • +1 (833) 222-3780 – Toll-Free Support
  • +1 (718) 732-2979 – Fax

Other Support Options

Accepta Online Ratings

Here's How They Rate Online

Online Ratings Summary
Item Result
BBB Reports 0

Clean Complaint Record

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.

Accepta Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Item Result
Processing Rates Variable
Cancellation Penalties Unclear
Monthly & Annual Fees Unclear
Equipment Leasing Yes

Variable Contract Terms

There is very little public information about Accepta’s standard contract terms, and there are currently no complaints about excessive or undisclosed fees imposed by the company. Accepta resells the merchant accounts of multiple providers, meaning that Accepta rates and contract terms are likely to be similar if not identical to those in a TSYS, Global Payments, First Data, or Vantiv contract. The standard contracts for these companies can vary but are generally known to be multiyear agreements with early termination feesPCI compliance and other costs may also vary between these providers.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, ClearGate also dedicates a portion of its website that advertises its virtual terminal and payment gateway services. The company lists Shopify, WooCommerce, Magento, PinnacleCart, and other gateway providers as its e-commerce processing partners. However, pricing will depend on which gateway provider a merchant utilizes. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.

No Red Flags

Accepta’s proprietary software and web solutions are likely to come with their own rate structures, which are not available for review on the Accepta website. It is possible that the company is capable of offering contract terms that are competitive with budget-friendly payment processors. If you have any knowledge of the standard Accepta contract, please share that information in the comment section of this review.

We also encourage readers to check out our list of the providers of the best merchant accounts.

Accepta Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Item Result
Uses Independent Resellers Yes
Telemarketing Possible
Misleading Marketing No
Discloses All Important Terms No

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.

Our Accepta Review Summary

Our Final Thoughts

According to all available information, Accepta rates as a dependable credit card processing provider. There is not a lot of specific information available about the company’s sales tactics or contract terms at this time, and it is possible that the company’s rating will change once more becomes known. Even when dealing with companies that rate highly by our standards, we urge readers to thoroughly examine the terms of any contract they are given and to compare its pricing to top-rated merchant accounts.

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Your Comments & Reviews

How Did Accepta Treat You?

1 Responses

  • Angie

    Design With Angie

    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

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