Anovia Payments Review


Anovia Payments ( is an Irving, Texas-based merchant account provider with operations in North American and Europe. Founded in July 2013 by the former president and vice president of sales at SignaPay, Anovia relies on TSYS Merchant Solutions and Cynergy Data for its processing networks in the U.S. and First Data for its processing network in Canada. Anovia Payments is headquartered at 600 Las Colinas Blvd., Suite 1200, Irving, Texas 75039, and the company is a registered ISO/MSP of Merrick Bank, South Jordan, Utah. Kevin Jones is the president, co-founder, and CEO of Anovia.

Anovia Payments Products and Services

  • Debit and credit card processing
  • Gift and loyalty programs
  • Electronic check conversion
  • E-commerce solutions
  • Proprietary back office management system (Virtual Office)


  • Retail
  • E-commerce

Sales & Marketing

Key Points - Sales & Marketing

Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms No

Anovia Payments primarily hires in-house, W2-employed sales representatives to market its services directly. While this is preferable to the industry standard of hiring independently contracted agents, it is worth noting that Anovia has recently partnered with a telecommunications company called ACN to refer merchants. Although ACN has received numerous negative reviews online, an Anovia representative has stated that ACN sales reps do not have the ability to offer specific pricing or product recommendations to merchants. In addition, merchants interact with Anovia for the entire sales process, and ACN representatives are not involved directly with merchants. Anovia also has a referral program in place that allows business owners to make residuals by referring other merchants to Anovia.

Given this sales structure, it seems unlikely that merchants will experience deceptive practices when dealing with Anovia Payments. However, we have located multiple reviews describing issues with the account setup process and rate guarantees from Anovia reps. It seems that some Anovia reps promise to beat or match merchants’ current rates, but some merchants dispute whether this guarantee is fulfilled. Other complaints mention nondisclosure of the company’s contract length and expensive termination fee. All told, the number of complaints we’ve received since this review’s initial publication compels us to lower the company’s score in this section to a “B-.”

Anovia Payments Marketing Example


Costs & Contract

Key Points - Costs & Contract

Swiped Rate Variable
Keyed-in Rate Variable
Early Termination Fee $495+
PCI Compliance Fee $99/Year
Equipment Lease Terms Variable

Anovia does not list its pricing and fees on its website, but we have been able to determine some of the company’s costs by reading merchant complaints. Anovia’s partnerships with TSYS, Cynergy Data, and First Data mean that Anovia Payments likely offers contract terms that are very similar to the terms offered by those companies. Some merchants have mentioned a three-year agreement with an early termination fee of $495 plus liquidated damages and an annual PCI compliance fee of $99, but it is possible that these terms may vary depending on a merchant’s business type, size, and time in business. Recent complaints indicate that the company’s minimum early termination fee is $495, but that some merchants who terminate may face an additional cost calculated by multiplying the number of months remaining in the contract by the merchant’s average monthly processing fees. Merchants also mention issues with fund withholding, which may be related to account setup errors.

Our reviews of Anovia’s backend processors describe those companies’ contract terms as average, and the merchant feedback we’ve received about Anovia confirms that description. We will therefore award Anovia a “C-” rating in this section at this time. If you have any knowledge about the standard Anovia contract, please leave that information in the comment section of this review.


Complaints & Service

Key Points - Complaints & Service

Total Online Complaints 25+
Live Customer Support Yes
Most Common Complaint Excessive Fees

We are able to locate approximately 25 Anovia Payments complaints on this and other consumer protection websites, and some of these accuse the company of being a scam. Complainants mention a wide range of different issues, including internal problems among employees, inaccurate pricing quotes, costly one-time and recurring fees, unreachable customer service, and fund holds. The Anovia website lists a phone number for general customer support and an email form for non-urgent issues. Given Anovia’s complaint volume and the content of the complaints, we will assign it a “B-” in this category at this time.



Key Points - BBB

Product & Service Complaints 8
Billing & Collection Complaints 8
Advertising & Sales Complaints 1
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.

Anovia Payments currently has an “A+” rating with the Better Business Bureau and has been accredited since June 2014. The company has received 17 total complaints, with eight related to billing and collection, eight due to product or service issues, and one related to an advertising issue. Anovia has successfully resolved four of the complaints, while the remaining 13 either were resolved to the dissatisfaction of the merchant or did not receive a final response from the complainant. In light of the company’s complaint volume and resolution ratio over the past year, we have slightly adjusted the BBB‘s rating to a “B+.”

anovia logo

Anovia Payments Bottom Line

According to the company’s complaint rate over the past year, Anovia rates as an above average merchant services provider. The company appears to have some issues related to customer service and sales tactics, and its pricing appears to be more expensive than average for the industry. Merchants are encouraged to inquire about all possible fees before signing up with Anovia.

Hi, I’m Phillip and I’m disgusted by the state of credit card processing in the U.S. and abroad. I believe that the industry has been overrun by people who engage in fraud and deception in order to steal money from hard working business owners. I’ve made it my mission to expose the companies and individuals who engage in predatory marketing, pricing, and contracts, or just provide terrible service. Along with uncovering the bad guys, I’ve also discovered the good guys who do stand out from the status quo. CPO is a website where you will find ratings and reviews of these companies along with advice on how to save money and which service providers consider. Together we can move the industry in a positive direction. If you would like to help support my work, please checkout “Fee Sweep” my eGuide to getting the lowest possible fees when accepting card payments. If you haven’t heard of “interchange” this advice will save you hundreds, even thousands, in processing fees.

Schedule a Consultation with Phillip

39 Reviews Leave Your Review Below

  1. Horrible company to do business with. They showed us one pricing plan with a rate structure and when we completed our first bill cycle & looked at our fees, they we almost a full percent higher than what was presented to us. We brought the issue to their attention & they never presented us with a reasonable solution. So after 20 days we drop the service. Now 8 months later they have the audacity to hire a collection agency to retrieve early termination fees on a contract that they breached themselves. I’m just glad they have less than a 3 star rating & have documented history of doing this to numerous companies.

    1. Hi Carla,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  2. Anovia saved us 60% on our processing fees. Small business operating costs our a huge expense for us so being able to save this money has helped us put that money back to use in our company.

  3. I would highly suggest NOT to use this service. They fail to let customers know that only certain cell phones and tablets work with their equipment. Then when it does not work and you lose sales due to their incompatibility they don’t help you. Also, when you cancel with them they still take money out of your account every month!!!! Consumer Beware!!!!!!!

  4. Don’t Do IT!!!!
    I have complied with everything in order to cancel without a penalty and they keep changing the rules. I have never in my entire life did business with such scam artists.

  5. Bad Bad Bad customer service, I recently opened an account with them after the first three charges they kept the money for five days and then asked for invoices, i sent them all they asked and they wrote back to me (thanks all is verified with the bank butttt we still need more papers from you) i’ll keep it short but the end result they will keep my money for six months and then will release it to me. Will not recommend them to anyone, stay away. Plus they make you sign three year contract so you cant leave them even if you realize they are a horrible company.

  6. I have been using Anovia for 3 years I have been very happy with my service . I have saved a large amount of money monthly . I have had no problems reaching a person. When I have needed to ask a question. In my experience all company’s charge a termination fee . But what I love the most . Is that my fees have been maintained during this time I give them 5 stars .
    I have worked with many other companies . These guys are the best .

  7. This is SCAM SCAM SCAM!!!! I am an ACN Representative, and i signed up for Anovia payments for my business.
    First their rates really high, and cannot bit anything, for business its bad, most of customers do not use personal credit cards, and here you comes with 4% commission, because nobody will explan you about qualify and non qualify cards, be AWARE!!!. They Promise me $15 a month, now its $20 per month, and the started to charge me $100 a month because of PCI and i have no idea what is this. Customer services is horrible and people do not know even what they are doing, they cannot explain me anything. When i signed up, they promised me everything, and it turns to big and huge SCAM, so now its easier to quit than pay them $20 a month for next 3 years. + addition 100$ every month. This people just just useless, before you sign up read everything and i do not know why you have to sign up. JUST DO NOT DO IT ANY LONGER. NEED questions call me [REDACTED – personal contact information], ill explain you why not.


  8. Anovia promised my company that there would be a seamless transition to their system for our POS, our loyalty cards and terminal equipment. We signed a contract believing them, then found that we would have to replace our POS, loyalty cards and loyalty program, and get new equipment. Literally, nothing they told us was true. We informed them of the problems and said we weren’t able to switch, even if we wanted to. They would not release us from the contract, even though they lied through their teeth about compatibility. They started debiting money from our checking account, even though we never once processed a card through their service. We finally paid a termination fee just to get rid of them. They’re STILL taking money from us! We’re working with the bank to try and stop them – which is costing us additional money for stop payment fees. We’re very sorry we ever heard of this disreputable company, let alone gave them our EFT info. Next phase is a lawyer.

  9. Worst company and customer service out there! Don’t fall for it. One of my regulars sold me this scam. I thought I was doing a nice thing for someone in my neighborhood and I ended up regretting it. They don’t tell you about all the fees they tack on. You don’t know about these fees because they don’t send you a physical bill in the mail, they just take money from your account and don’t explain what for. They also charge you almost $50/month just to be there, not even swiping one card once, which isn’t clearly laid out in the contract. By the time one discovers what they have gotten into, there is a convenient early cancellation fee of $500 if you’re unhappy with their services and want to cancel before 3 years. This isn’t the kind of customer service any legit business practices. They may have a lower swipe percentage, but overall it ends up costing a lot more than most other merchant providers out there.

    Are you with Anovia Payments? Learn how to resolve this complaint.

  10. One thing to note is section 4.04 of their contract in which the last paragraph states:

    The parties agree that if this Agreement is terminated before completion of the Initial Term for any reason other than a material uncured breach by Provider, Merchant will pay Provider an early termination fee determined by multiplying (a) the number of months remaining from the date of termination to the end of the current Term, by (b) the average monthly processing fees paid by Merchant to Provider, plus Provider’s costs and attorneys’ fees incurred in connection with Merchant’s termination of this Agreement. Merchant agrees that these damages are not a penalty but are a reasonable computation of the financial harm caused by the early termination of this Agreement

    So the way I read this, the termination fee would be (# months left in the contract x total processing fees) + attorney’s fees + $495 listed termination fee. Pricey.

  11. I have been with Anovia for ten months now. It was a lofty choice to decide to leave Leaders for Anovia. I was granted next day funding with Leaders after 90 days. Anovia is still holding my Friday, Saturday and Sunday charge income until Tuesday morning. They say a 48 hour hold from Friday – that would be Sunday not Tuesday – DUH!!! So I now have to pay $495 to break a ridiculous 3 year contract, that I ASSUMED was a year, BEWARE of Anovia, stay with a company that serves you well. Wouldn’t it be nice if companies fed the impoverished children of America without entrapping unsuspecting kind hearted merchants into 3 year contracts, a $495 early termination fee, and a 96 hour hold on your Friday income? Anovia uses hungry children as bait to extraordinary spirits to sign up – BUT DO NOT choose Anovia. Donate to charity instead.

  12. I just wanted to chime in on all of the negative comments on here. I had a similar experience. For smaller amounts, everything went through fine. Get an amount that’s slightly larger (I’m talking, in my case, $700) and you get asked for all sorts of paperwork. 3 months worth of bank statements, the invoice, all of the client info, contact at the client etc. They hold your money until you provide it, and even after providing it they held our funds for a week. I thought it was a fluke so I stayed with it, but it happened again with a $600 transaction. What a complete joke.
    The last straw was them charging $99 for a PCI compliance questionnaire. EVERY YEAR. Every other card processor I’ve used includes it for free. This is why Anovia is so cheap. The costs add up afterwards. Their customer service is a joke and can’t help at all. The best customer service I got was when I called to cancel! All of a sudden they have better plans that they can give you and are so friendly and helpful. Oh, the $495 cancellation fee stung, but was totally worth it to get away from these people. Can’t say this enough, STAY AWAY!

    1. Just read your comments, I have just had same problem. I rarely use my machine, but, I just used it in December for 1200.00. They charged customer but withheld my funds. They said because large amount, I had to submit 3 mos of bank statements, shipping info, del confirmation, and all of my documents for that sale. I sent it all and they still wouldn’t release funds to me because they still wanted his signature on this transaction. A customer I’ve had for many yrs. To get out of this I had to refund his money through my terminal and I took another form of payment from him after. But, still the stinger.. when they set up my account, they did something incorrectly causing the IRS to not recognize my business name. So after refunding customers card, the IRS pulled 27% for tax withholding. I didn’t even earn 27% profit. I’m trying to reach Anovia to make the correction so that I can cancel my acct. No one to talk to, only voicemail. I’ve been with them for 1.5 yrs, will they charge me a cancellation fee? Thank you in advance.

  13. Beware !!!!!! This company lies. I am making a written complaint to the Texas BBB and the Attnorey Generals office. I was told by the sales person, who swore they could do the things I needed.

    I decided to get a written quote from this company since my contract was up. They said $20.00 per month savings. Great. So I thought. Come too find out one day into this they could not do what I wanted. It took me 6 days to get my money. Then after one week of use. I wanted out and to go back with my old company they charged me $495.00 cancellation fee. Even though their company could not do what I needed and after they lied and said they could. Then I find out there was a 19.95 hidden fee for PCI companies, so I really had no savings.

    The salesperson, basically said oh well. They never called me back.

    1. I, too, was lied to by the rep for the company. I was suppose to be set up for “seasonal”. I ended being charged a monthly fee whether I used the service or not. I also need to mention that the fee was never the same even though I never used the service. I was initially told I could cancel at any time and was never informed of an early cancellation fee. I tried to call several times and in fact, had to take the rest of a day off work just to try to contact them only to be put on eternal hold by an automated system and never reached a real person. Finally after contacting someone via e-mail, I was told that I could only cancel if I paid the early termination fee of $495.00
      I agree; BEWARE of this company. I feel they are very dishonest and greedy.

      Are you with Anovia Payments? Learn how to resolve this complaint.

  14. Anovia promised a $100 Visa gift card if they could not beat my current rates. In fact, they could not beat my rates, and they have never sent the gift card. I have contacted them seven times in regards to this with no avail. Steer clear of this company.

  15. We recently switched our processing to Anovia payments and couldn’t be happier. We are saving significant money over the previous company and the transition was absolutely seamless. The boss asked when the change was going to happen and I told him it already had. He didn’t believe me until we looked at the bank statement and saw that 4 days previous the credit card receipts had started coming in from Anovia. That was the easiest, smoothest transition I have ever experienced.

    1. Hey Kregg what company are you with. How long have you been with Anovia? And how much on average are you saving percent wise?

      1. I am with a medical practice in Utah. We process between $8k and $15k per month at each of our two locations. We have used Anovia for over a year with no problems at all.

  16. Follow up to my first posting, DAY 117, they dinged my girlfriends business account for $500. That means either her business rent cheque, or one of two of her suppliers cheque will bounce. The repercussions to a two employee cafe will be huge. It will add another couple hundred dollars in bank fees, it will change her account privileges with two of her suppliers.



  17. I have used Anovia for a few months now. I signed up with Anovia through a client who works with ACN. I have owned my own business for 14 years now and have used a few different merchant processors. I was scammed by one (NOT Anovia) but have worked through the others ok.

    Merchant processing is unregulated by the federal government so you have to pay attention and protect yourself any way you can. It is almost always cheaper to buy your own processing terminal. Anovia will allow you to do this. NEVER SIGN A LEASE FOR EQUIPMENT. The rate is negotiable – just negotiate all rates and fees up front. Anovia doesn’t like to budge on contract length, but will consider dropping early termination fees to prices that are more reasonable and lower your risk of signing up. The time between a card being run and money being deposited in your account is somewhat negotiable, depending on industry-rated risk.

    I started my contract knowing it would be a 2 day turn around for deposits. After being with Anovia for over a month, I called in and asked for a 1 day turn around. They didn’t have to but they updated my account to 1 day! This moved Anovia to above average in my mind.

    To date, I haven’t had a single problem with Anovia and their rates are right where they said they would be. I run a small automotive repair business and take Visa, MC, Discover, and American Express.

  18. I have been an Anovia customer for less than a year. For the second time, Anovia has overcharged me. They are difficult if not impossible to get ahold of. No one calls me back. I want to cancel the service but they will charge me $420.00.

    1. I am an ACN IBO who tried to switch my girlfriends cafe over to Anovia. The promotion was if they can’t match, you get $100 Visa Gift card. We faxed in all the information and here is what happened.
      1) We were sent numbers and a contract that indicated they would beat the price. Everything was YES YES YES NO problem.
      2) As soon as we opened the the box, we knew there was trouble. They sent an inferior terminal and we immediately called them to let them know. They then proceeded to delay delay delay. I will get back to you BLAH BLAH BLAH.
      3) Finally they agreed that it was inferior, but it wasn`t their fault, they explained everything and it was MY FAULT!
      They also wanted a $500 restocking fee and as soon as we paid, they would ship the new one.
      4) Well its day 116, we have their terminal, they have taken $195.05 in fees out, and we haven`t even connected the equipment. We get no phone call from Anovia or their Merchant service partner First Data.

      My advice, stay away from Anovia and First Data merchant services. Pathetic Customer Service, and you will be their next Hot Potato

  19. One of my clients refered me to Anovia saying that they have great rates and if i switched to them she would get a monthly referal fee. I sent them my info and got a quote that sounded really good. I have been in business a long time and when something sounds too good to be true, well it usually isn’t true. So I started looking around on the web and found this site.

    From what I have read and the short period of time that Anovia has been in business there is no way that I can take a chance on them.

    Buyer be ware!

    Thanks for the info.

    Keith Marshall

  20. After reviewing the ANOVIA PAYMENTS company (ACN), I agreed to have them review my current transactions and find a plan that could work well with my transfer of services. This took awhile to confirm their validity and that their product was a better choice. I requested a specific machine with certain functions. They said they could not use my existing machine since they couldn’t reprogram it and that I had to buy their machine. I had to sign the contract online to start the process. They sent the wrong machine. The rep then said that they could not provide the machine I requested and that I could cancel the contract without penalty since they could not provide what I had requested.

    Weeks and weeks of correspondence followed without the rep sending me a return slip to send the machine back properly. In the mean time, I WAS BILLED for merchant monthly fees for a service that was not turned on (now for three months!). On the second month, I was billed for the MACHINE which I was trying to return, but their rep and the support staff could not determine a method to RMV it back to them. (If I would have cancelled with the merchant service provider, they would have billed me a $$$$ large early cancellation fee….for services they did not provide!)

    FINALLY, after I submitted a form from another merchants service company that would assist them in cancelling the service, (BECAUSE THEY DIDN’T HAVE THEIR OWN FORM OR PROCESS IN PLACE), the machine was returned and the amount of the charge for the machine was refunded. At this time, I was still not refunded the monthly service fees nor did I receive written proof of cancellation of the contract. It has been 30 days since then and no response to any more correspondence to refund the remainder or the confirmation of cancellation. Sent another email again. If I call the rep, I only get his voicemail every time.

    Since this issue is still not resolved, I am considering further action. This message was a good place to start. Legal action may follow depending further developments.

    This message should help Anovia Payments, ACN, and Merchant Services know the incompetence in this poorly handled arrangement. They should develop a policy to prevent this from happening and resolve it competently if it does. It may help other businesses to avoid these problems who may be considering changing their service to ACN/ Anovia payments. Maybe soon, I may be refunded the balance and receive proof of cancellation od services.


  21. I am a business owner and I was an ACN Rep. I signed my Merchant Services with ANOVIA. I have had many problems with them already and want I consider worse than the problems is when you are given the run around when try to get those problems corrected. The signed me up for American Express when I already had an account with AMEX. Turns out the spelled my company name wrong. When I called AMEX, they told me it was an ANOVIA thing. When I called ANOVIA nobody seemed to know how to fix it. So I kept my Current Merchant Service Provider and put all my AMEX through that service until things got fixed with ANOVIA.

    Now, I have been informed that a VISA charge from a government client is being held up and they want documentation from me. I provided them with them with the client info and now they want 3 months of Bank Statements. When I asked the rep from Cynergy Data (Service Provider for ANOVIA) why this was happening. She gave me two answers. The first was that I was set-up incorrectly by ANOVIA to accept 100% MOTO instead of 100% Manual. And the charge was much larger than what my history showed.

    My Conclusion: Stay away the services of ANOVIA, ACN and Cynergy Data.

  22. I signed a client up to Anovia through a referral partner and from day one the client had issues. The client was not able to process payments from her clients. It had taken numerous times to get a hold of anybody regarding issue. Once somebody was able to be reached, they first said it was resolved (it wasn’t). This has been going on since 9/13. The client is being charged for services she can not use. Was told they will cancel (it wasn’t) STAY AWAY from ANOVIA and ACN. Nobody calls back because no one knows who to contact to get this resolved. You call or e-mail anovia you don’t get a response. Still having issues and no one is getting back to me or the client. You guys are too generous to give this company a C rating.

    1. My boss is thinking about changing over to Anovia however I am not so sure about doing this. Have your issues been resolved yet? Would you do it again with this company?

      1. NOPE it didn’t get resolved. In fact the client is still being drafted for services she can’t use. She also canceled but they didn’t. I have a feeling I’m not the only one that is going through this. If anybody have any legal suggestions to get this resolved for this client I would really appreciate it.

  23. My company started processing credit cards through Anovia in July and twice now they have held back paying me on approved credit card transactions stating I was a high risk because when I filled out their application it asked for average ticket amount, assuming I except charges from $1000 to $5000 it would average out at $2500. Apparently what they mean is what is the highest amount you want to charge. It makes it extremely hard to control cash flow when this company holds payments of $5000, $4000, & $3100 for 8-24 days while they decide when to allow you to receive your money, all the while asking for more paperwork from you even though they already had this information.

    1. Your comment worries me. We can not wait days or even weeks for our payments to hit our account. The owner of our company is looking into switching to Anovia. I feel this would be a lot of work plus a mistake but I could be wrong. What is your take on this? Appreciate your comment.

  24. This company, still in it’s infancy, already has a high turnover rate. They’ve already fired many Account Executives. They hired me through a temp agency for their concierge team. We were suppsed to prime the leads for the execs. The leads from ACN dried up within a month and all the employees on the concierge team were let go. They’ve spent a ridiculous amount of money, for a suite in one of the nicest parts of DFW but I don’t foresee Anovia making it one year.

    1. The owner of the company I am working for is thinking of switching to Anovia but your comment worries me. It is a lot of work to switch everything over only to have to switch back. Do you still feel this company will not last? I appreciate any imput.

      1. Hi, just wondering, how big is your business and how you have had any difficulties so far after switching to anovia?

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