Beyond Payments Reviews & Complaints

Name: Beyond Payments
Item: Beyond Payments
Rating: 3
Author: Phillip Parker

Phillip Parker

Updated: August 27, 2024

Maintained Since: September 5, 2017

▼ 13 User Reviews

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Overview

In this article, we will provide an in-depth review of Beyond Payments, a credit card processing company. We will detail the range of services offered, including merchant accounts, payment gateways, and point-of-sale systems. The review will cover the company’s pricing structures, contract terms, and overall reliability. Additionally, we will assess customer feedback and the quality of support provided. Comparisons with other payment processors in the industry will be included to help you determine if Beyond Payments meets your business requirements. This article aims to provide you with all the necessary information to make an informed decision.

About Beyond Payments

Founded in May 2017 by the former CEO of Heartland Payment Systems, Beyond Payments processes a wide range of major debit and credit cards, catering to various business types. Their payment services include EMV readers, card swipers, POS terminals, mobile payment solutions, access to a virtual terminal, and the Beyond Pay payment gateway. They also offer a suite of e-commerce solutions, such as shopping carts and gift cards, along with Level 2 and Level 3 B2B processing, solutions tailored for non-profits, recurring billing, payroll services, scheduling, hiring, inventory management, and business loans.

Beyond Payments Products and Services

Payment Terminals and POS Systems

The company provides a variety of payment terminals and Point of Sale (POS) systems tailored to meet the needs of different industries. These options include countertop terminals, mobile solutions, and comprehensive POS systems.

Online Payment Gateway

Beyond Payments offers an online payment gateway designed to help businesses securely process online transactions. The gateway is versatile and can integrate with various shopping cart platforms.

Mobile Payment Solutions

Beyond Payments also caters to mobile businesses with its mobile payment solutions. Merchants can process payments using dedicated mobile terminals or their own devices, such as smartphones and tablets.

Beyond Payments Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints	<10
Live Customer Support	Yes
Most Common Complaint	N/A
Recent Lawsuits	Yes

Analysis of Beyond Payments Reviews

Current research indicates fewer than 10 negative Beyond Payments reviews, with minimal accusations of the company engaging in ripoff or scam behaviors. Notable complaints have focused on challenges in accessing customer service and concerns over excessive fees. At this stage, there lacks a consistent trend in complaints, suggesting that customer dissatisfaction does not converge on a single issue.

Beyond Payments Legal Challenges

In July 2018, the Securities and Exchange Commission (SEC) initiated legal action against Beyond Payments’ former CEO, Robert Carr, and his associate, Katherine M. Hanratty, for alleged insider trading related to Heartland Payment Systems’ acquisition by Global Payments. By October 2018, this lawsuit concluded with a settlement, including financial restitution and penalties for Hanratty. Further developments in 2020 led the SEC to recommend prohibiting Carr from holding any CEO position in the future.

Customer Support Provided by Beyond Payments

Beyond Payments is dedicated to offering comprehensive customer support, featuring live chat, email, text messaging, and 24/7 phone assistance. Despite these extensive support channels, Beyond Payments has not yet been recognized as a leading payment processor for customer service according to industry standards.

Beyond Payments Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Reports	0

Clean Complaint Record

Beyond Payments has two profiles with the Better Business Bureau. Their own profile has an “A+” and has been accredited since 2021. As Above and Beyond Business Tools & Services, Inc., the company has been accredited with the BBB since March 2018 and is currently showing a grade of “A+”. Both profiles have received 0 complaints in the last 36 months and no informal reviews.

An “A” Performance

Given the company’s complaint total, we agree with the BBB‘s rating at this time. Readers should note, however, that there are reasons to be skeptical of BBB ratings.

Beyond Payments Fees, Rates & Costs

A Closer Look at The Contract

Rates & Fees Summary
Cancellation Penalties	No
Monthly & Annual Fees	No
Processing Rates	Interchange +
Equipment Leasing	Likely

Company Commitments

Although specific details of the Beyond Payments contract are not publicly disclosed, the company outlines ten core promises on its website, emphasizing transparency, ethical business practices, and a commitment to providing value without unjustified fees. These promises include transparent billing, contract flexibility, no-penalty termination, and pricing integrity, ensuring that prices will not increase arbitrarily.

Contract and Pricing Options

Beyond Payments emphasizes offering clients the choice between interchange-plus pricing and possibly membership-style pricing, although specifics are not listed online. This approach to pricing ensures a level of transparency and fairness, aligning with the company’s commitment to ethical business practices. The absence of detailed information regarding monthly minimums or PCI compliance fees suggests a focus on straightforward, negotiable agreements.

Equipment and Technology Solutions

The company’s stance on equipment leasing or sales is not explicitly stated, highlighting the importance for merchants to inquire directly about these terms. Beyond Payments also highlights its virtual terminal and payment gateway services, extending its interchange-plus model to online transactions, although specific rates and additional fees for these services are not provided.

Level 2 and Level 3 Processing

Beyond Payments caters to B2B and B2G sectors by offering Level 2 and Level 3 processing, which require specialized technology for handling transactions at reduced interchange rates. This service underscores Beyond’s adaptability and commitment to meeting the specific needs of its diverse clientele.

Customer Feedback and Market Position

Limited feedback is available regarding Beyond Payments’ fee structure or contract terms. However, the company’s proclaimed commitments, if upheld, suggest a merchant-friendly approach that may be well-received by businesses of all sizes. Merchants are encouraged to consider Beyond Payments’ ethical commitments and transparency when evaluating their payment processing options.

For businesses in search of competitive and transparent merchant services, exploring our list of the best merchant accounts may offer valuable insights into alternatives that prioritize similar values of fairness and transparency.

Beyond Payments Employee Reviews & Sales Tacitcs

Should You Work For Them?

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

Inside Sales Team

Like Heartland Payments, Beyond utilizes in-house sales agents and traditional marketing to sell its services. This credit card processor does not maintain a team of independently contracted sales agents, and it offers its W-2 employees the option to buy Beyond Payments stock. We consider this approach to be preferable to using independent sales agents because it demands more accountability from both the company and its agents. We are able to find only a few Beyond Payments reviews that mention misrepresentation or nondisclosure of fees by Beyond’s sales agents.

No Deceptive Advertising

Beyond Payments does not publicly disclose the details of its pricing or contract terms except for a few simple guarantees about fees, and it does not advertise misleading rate quotes. Overall, the company appears to at least adhere to, if not exceed, the standard of transparency set by Heartland. If you suspect that Beyond Payments is charging you undisclosed fees, however, we recommend seeking an independent statement audit to spot hidden charges.

Our Beyond Payments Review Summary

Our Final Thoughts

Based on all available data, Beyond Payments appears to be a reliable credit card processing provider according to our rating criteria. The company’s “Beyond Promises,” if they accurately reflect its contract terms, suggest that Beyond Payments will likely maintain favorable ratings in future reviews. We will continue to observe customer feedback and adjust the company’s score as appropriate. As always, prospective clients should exercise caution when researching Beyond Payments, thoroughly understanding its offerings, and comparing costs with those of top-rated providers. Doing so will ensure businesses can make well-informed decisions tailored to their specific payment processing needs.

Contact Beyond Payments

Contact & Customer Support
CEO	Mike Peters
Address	10507 Timberwood Circle, Louisville, Kentucky 40223
Toll-Free Customer Support	(888) 480-1571
Additional Support Channels	Online Contact Form and Live Chat

About The Author

Phillip Parker

Phillip Parker is the founder, creator and author of this website. He is a payments industry expert, business consultant, and web developer. Since 2009, he has researched over 1,000 merchant services providers and published hundreds of payment education-related articles. His work has received national recognition and his expertise is regularly sought by large media outlets such as CNN, MSN, and INC Magazine among dozens of others. Learn more...

How Phillip Can Help You

Schedule a call with Phillip to get answers to your payment processing questions. Please note that Phillip's expertise focuses on merchant services within the U.S.

Credit card processing costs are complex and often difficult to understand. Hire Phillip to help you optimize your processing costs to the lowest possible rates without switching processors, trading out payment acceptance equipment, or modifying your processes.

Starting a new business or ready to find a new processor? Selecting the right merchant services provider is a crucial component of running successful business. Check out Phillip's processor picks see which companies offer the best services at the lowest costs or schedule a call today to learn how to get custom recommendations for you payment needs.

Testimonials & Complaints

How Did Beyond Payments Treat You?

13 User Reviews

Shannan

Spades LLC

March 19, 2024

I have a very small coffee shop in a small business. My rep told me that he would pay my early termination fee from the company that I was with. When I messaged him how much they took out of my account I have heard nothing back. I have called, emailed, text messaged and still nothing back from him. I called customer service for them to tell me there is nothing that they can do. They emailed him and still nothing. So I am out almost 1,000.00 because he screwed over a small business. Shame on them all for this

Reply to Shannan Post Your Own
Rico Nelson

Ricos Deli

December 6, 2022

Worst experience of all the processors I’ve used, been lied to, over charging me for equiptment, cash discount program is a scam. Can’t get no help. Fraudulent charges to my customers that no one can explain. Very,Very disappointed!!

Reply to Rico Nelson Post Your Own
Jana Powell

March 16, 2022

Actually their PCI compliance fee is only $12.50. The decimal point is one spot off.

Reply to Jana Powell Post Your Own
Ivy

January 27, 2022

Those S O B**, holding our customers’ payment over 30K, and refuses to transfer funds to our company more than 3 months.

Reply to Ivy Post Your Own
Reverse My Fees Gulf Coast

September 7, 2019

Beyond Payments and Questa Piel, has been hit with a $500,000 lawsuit for slander. The CEO has been hit with a $500,000,000 lawsuit for slander as well. Both are factual statements

Reply to Reverse My Fees Gulf Coast Post Your Own
- Trich
  
  September 11, 2019
  
  Please expound on this statement.
  
  Reply to Trich Post Your Own
Nate Mendenhall

July 7, 2019

Beyond is the worst processor I have used. They talk a great game to get you on as a customer but then they sell you a ton of overprices, buggy, hardware. The tech support is worthless and my rates with Beyond are higher than they ever were with Heartland or First Data. Doing business with Beyond has been an expensive headache that i hope the rest of you will avoid.

This post will help: Find and Eliminate Hidden Fees From Your Monthly Bill

Reply to Nate Mendenhall Post Your Own
randal czaplewski

August 14, 2018

do not use this company! their sales people will say and do anything! so far they have cost our business over $700.00 in fee‘s!

From The Editor
This Post Might Help: Let Us Find and Eliminate Fees In Your Contract

Reply to randal czaplewski Post Your Own
lauries lakeside cleaners llc

June 5, 2018

Beware! this company lies to you when attempting to sign you up! We have been scamed by the salesman who told us the equipment was free just to have $300.00 removed from our account after signing up!

Reply to lauries lakeside cleaners llc Post Your Own
Ana Fouts

September 6, 2017

Beyond is not a Direct processor or an ISO of Global/Heartland. They are a reseller for TSYS.

Reply to Ana Fouts Post Your Own
- Ed Burris
  
  January 29, 2018
  
  Thank God!
  
  Reply to Ed Burris Post Your Own
- Raven Matthew
  
  April 30, 2021
  
  Which is now a Global’s company, LOL. Hope TSYS gets to keep its values and not get influenced by Global.
  
  Reply to Raven Matthew Post Your Own
  - Cruz Roldan
    
    TransNational
    
    August 20, 2021
    
    That is not the case. They have definitely been influence. Basis point increases, Customer Intelligence Suite junk fees, PCI Compliance fees for $125/month. Same issues that happened to Heartland. I can probably help.
    
    Reply to Cruz Roldan Post Your Own

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Hello and thank you for visiting! I'm Phillip, the creator and author behind this website. My mission with CPO is to hold credit card processors accountable for their business practices. I do this by publishing my research on their policies, contracts, pricing, and client satisfaction. The goal of this research is to provide a comprehensive guide for achieving the lowest costs with the best providers. I have been publishing my findings since 2009, and my work has been recognized by national publications such as CNN, MSN, FOX, and INC Magazine, among many others.