Axia Reviews & Complaints

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In this review of Axia, we will provide a detailed overview of the company's payment processing solutions, including credit card processing, point-of-sale systems, and e-commerce services. We will discuss the pricing structure, contract terms, and customer feedback to give you a clear understanding of what Axia offers. Additionally, we will examine the transparency of their fees, the quality of their customer support, and the overall satisfaction levels reported by their clients. By the end of this article, you will have a comprehensive understanding of whether Axia meets your business's payment processing needs.

About Axia

Founded in 1999, Axia Payments is a payments technology and merchant account provider headquartered in Santa Barbara, California. Axia was acquired by i3 Verticals in June 2016, but appears to continue to operate under its own brand name. As of this update, the company is now branded as a division of i3 Verticals Merchant Solutions. The company offers billing and payment services, payment gateways as well as data and analytics in addition to its payment processing services.

Axia Payment Processing

Axia Payments processes all major debit and credit cards for most business types. Their services include POS solutions, ACH and check processing, e-commerce solutions including access to payment gateways, mobile solutions, and gift and loyalty programs.

Axia Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint Customer Service
Recent Lawsuits No

Low Complaint Total

At present, we’ve come across only a handful of Axia Payments reviews, none of which label the company as a scam or a ripoff. These available complaints primarily mention issues with customer service, challenges in canceling services, unexpected fees, and fund-holds. If you have your own Axia Payment review, we welcome you to share it in the comments below.

Axia Payments Lawsuits and Fines

No outstanding class-action lawsuits or FTC complaints have been identified against Axia Payments. Dissatisfied clients seeking recourse outside of litigation may consider reporting their concerns to relevant supervisory organizations.

Axia Payments Customer Support Options

While Axia’s website lists a dedicated phone number and a customer support form, it’s uncertain whether these support channels are managed directly by Axia staff. Despite the limited number of complaints found on internet forums, we’ve rated the company with an “A” in this category. However, it falls short of qualifying as one of the top merchant account providers for customer service.

Axia Payments Customer Service Numbers

  • (805) 962-6114 – Toll-Free Support
  • (800) 552-8227 – After Hours Support (accounts ending in 7641)
  • (844) 857-4748 – After Hours Support (other accounts)

Other Support Options

Axia Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Reports 5

No Current BBB Complaints

Axia has been an accredited business with the Better Business Bureau since 2002, though its profile is now merged with that of its parent company i3 Verticals. As of this review, the company has an “A+” rating with the BBB and has 5 complaints filed against it in the last 36 months. 2 of these 5 complaints were resolved to the dissatisfaction of the client or received no final response, while the other 3 were resolved. While the low complaint total is encouraging, the lack of positive reviews is not enough to qualify Axia Payments as one of the top merchant account providers.

An “A” Rating

It should also be noted that the company has not received any informal reviews on its BBB profile, although these reviews are not subject to verification by the BBB. In light of the company’s low complaint total, we agree with the BBB’s rating.

Axia Fees, Rates & Costs

A Closer Look at The Contract

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

Unclear Contract Terms

Detailed information about Axia Payments’ standard contract is not readily available. Their website mentions “competitive rates” without further specifics. Axia Payments, prominently partnered with Merrick Bank, might resell Merrick Bank contracts, though this is not confirmed. Merrick Bank’s back-end processor, TSYS, lists swipe rates of 2.5% plus $0.20 and keyed-in rates of 3.5% plus $0.20. Merrick Bank’s contracts typically include a liquidated damages clause as an early termination fee, a $75.20 annual PCI compliance fee (charged quarterly), and a 48-month non-cancellable equipment lease.

A single Axia review referenced a fund-hold issue not disclosed in contract terms. Axia’s early termination fee calculation is based on remaining months and average monthly transactions, but details on PCI compliance fees and monthly minimums are unspecified.

Virtual Terminal and Payment Gateway Pricing

Axia Payments also offers virtual terminal and payment gateway services, but specific pricing for these is not publicized. Typically, such services include gateway fees, technical support fees, batch fees, and additional transaction rates associated with e-commerce services.

Few Contract Complaints

The scarcity of complaints about Axia Payments’ contract terms suggests that most clients are content. However, without definitive details, it’s uncertain if Axia’s pricing competes with more affordable merchant accounts. Those with firsthand information about Axia’s standard contract are encouraged to share their experiences in the comments below.

For more insights, readers can consult our list of the best merchant accounts.

Axia Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers No
Telemarketing Likely
Misleading Marketing No
Discloses All Important Terms No

Outside Sales Agents

Axia Payments appears to rely on its website, its referral program, traditional advertising, and independent and inside sales agents to market its services. The use of independent sales agents is often linked to high complaint rates due to the difficulty of monitoring these agents’ behavior. However, we are currently unable to locate any Axia Payments reviews that allege deceptive tactics by the company’s sales reps.

This compares favorably to our list of best credit card processors.

No Deceptive Ads

As an additional point in the company’s favor, Axia Payments does not appear to engage in deceptive advertising strategies in its official materials. If you suspect that Axia Payments is charging you hidden fees, however, we recommend seeking a third-party statement audit.

Our Axia Review Summary

Our Final Thoughts

Axia rates as a reliable credit card processing provider according to all available information. The company has only a handful of complaints across consumer protection websites and maintains a relatively clean record with the Better Business Bureau (BBB). However, specific details about Axia’s rates and fees remain unavailable.

Business owners are encouraged to thoroughly examine their contract, negotiate terms whenever possible, and compare Axia’s pricing with that of top-rated merchant accounts. This approach will help secure competitive terms and ensure that businesses receive the best possible rates aligned with their specific needs.

Location & Ownership

Axia  Payments is a registered ISO/MSP of Merrick Bank in South Jordan, Utah; RBS Worldpay; Deutsche Bank, USA, New York, NY; Deutsche Bank, USA, New York, NY; BMO Harris Bank NA, Chicago, IL;  and Fifth Third Bank N.A., Cincinnati, OH. It is located at 1933 Cliff Drive, Suite 12, Santa Barbara, California 93109. Tom DeBord is listed as the CEO of Axia Payments.

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Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did Axia Treat You?

7 User Reviews

  • Amelia Mazgaloff

    I have a chiropractic, acupuncture and massage practice in San Francisco. We use office ally for our EMR and scheduler. We started with AxiaMed because of its integration with Office Ally. The set up was easy, and everything went down hill from there. Every time we have a problem we are bounced from Ofice Ally to AxiaMed and the other way around. For 3 weeks no one can figure out why when we run someone’s card the patients name doesn’t print on the receipt, basic right, not for AxiaMed. Our procedures have lengthened. Not once anyone has called back to try to resolve the issue, every time we call they open a new inquiry and blame the other company. We are in a vicious circle. I would recommend that you DO NOT choose this company for your merchant transactions.
    Amelia Mazgaloff
    Chiro-Health, inc

    This post will help: Best Medical Merchant Accounts


  • Lorinda

    We run two separate businesses through Axia and have been with them for over 9 years. I have always found their customer service to be very responsive when we have had issues. Their rates have not been bested by any other processing company.
    They seem to employ people of a good character as they do not engage in the usual “merchant services” sales tactics. I have recommended them without issue to many other businesses.

  • Lucy

    Poorly customer service, always refuse to admit is their own fault. Push the fault to others. Was not there when needed because he said he is busy. Not informed by the 3 years contract, and infinite chargeback and small charges to bank account. Really got sick of them doing this.

  • Rich S

    After 5 years with Axia, we recently canceled our account. They elected to charge us $31.75 in the last month although we did not have any transactions. I asked their customer service rep to refund the charge and she refused. Be aware of this trick. They claim they incur costs associated with having an account open, however, a $31.75 fee is just stealing from you. This kind of behavior makes me happy we elected to leave them.

  • Casey Cruciano

    My non-profit has been a customer of Axia for about 2 years. They have been good to work with and unlike so many processors out there, are a legitimate company that doesn’t deceptively price their product or call excessively.

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