Big Sky Commerce Overview

Big Sky Commerce (bigskycommerce.com) is a Missoula, Montana-based merchant account provider that offers credit card solutions for retail, mobile, and e-commerce business types. Founded in 2003, Big Sky Commerce is partnered with TSYS, Chase Paymentech, First Data, and National Processing Company (NPC) for its processing and is a registered ISO of Wells Fargo Bank, NA, Walnut Creek, California. The company’s headquarters can be found at 2809 Connery Way, Missoula, Montana 59808. Kevin Davis is the president of Big Sky Commerce.

Key Points

  • Sales & Marketing: Big Sky Commerce does not appear to hire independent sales agents and has not received any complaints about its sales practices.
  • Costs & Contract: Big Sky Commerce appears to offer variable contract terms that may or may not include a $300 early termination fee.
  • Complaints & Service: Big Sky Commerce has received fewer than 10 public complaints.
  • BBB Rating: Big Sky Commerce currently has an “A+” rating with the Better Business Bureau and has received one complaint in the last three years.
  • Rates & Fees: How Merchants Got The Best Rates With Big Sky Commerce

Products & Services Offered

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce
  • Restaurant
  • B2B
  • B2G

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Big Sky Commerce Rates, Fees, and Costs

Key Points

Swiped Rate Variable
Keyed-in Rate Variable
Early Termination Fee $300 Or None
PCI Compliance Fee Variable
Equipment Lease Terms Variable

There is very little publicly available information about the standard Big Sky contract. The company is partnered with multiple backend processors and advertises that it customizes each pricing plan depending on its merchants’ needs. It is therefore likely that the company’s pricing and fees will vary depending on each merchant’s business type and the agent setting up the account. There are reports on other consumer protection websites of a $300 early termination fee if merchants cancel within the first year, but this fee is probably negotiable and may not apply in most cases. We have not found any merchant complaints regarding Big Sky’s rates and fees, so we will assume for the time being that most of its merchants are satisfied with the service they receive. If you have any knowledge of the standard Big Sky Commerce merchant agreement (including any PCI compliance fees or monthly minimum fees), please share that information in the comment section below.

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Big Sky Commerce Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

We have not found any negative Big Sky Commerce reviews on the usual consumer protection websites, so there’s no reason to believe that the company is a ripoff or a scam of any kind. In fact, the only available merchant reviews of Big Sky Commerce are positive testimonials on the company’s website and other forums. Given the total lack of complaints, it appears that Big Sky provides excellent customer service resolves most issues in a timely fashion. The company’s website lists phone contact information and office hours, indicating that phone support is at least partially provided by Big Sky.

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Big Sky Commerce BBB Rating Summary

Key Points - BBB

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

The Better Business Bureau currently awards an “A+” rating to Big Sky Commerce and is showing one complaint filed in the past three years. This complaint was related to a billing or collection issue and either was resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant. There is also one negative user review filed with the BBB, although it should be noted that these reviews are not always subject to verification by the BBB. Given the company’s time in business, age of profile, and complaint record, we agree with the BBB’s rating in this case.

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Truth In Marketing & Advertising

Key Points

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

Big Sky appears to utilize traditional advertising methods and an in-house sales force to market its services. There is currently no evidence that the company is a hiring mill, and we can’t find any negative Big Sky Commerce reviews that accuse the company’s sales team of deception or nondisclosure. As an additional point in the company’s favor, there are no instances of misleading rate quotes on its website. In fact, Big Sky openly encourages merchants to purchase rather than lease equipment, which demonstrates a commitment to fair and honest pricing.

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Big Sky Commerce Logo

Our Opinion of Big Sky Commerce

Big Sky Commerce rates as an exemplary merchant services provider according to all available information. The company boasts a clean complaint record and appears to offer quality customer service to its merchants. We do not have details regarding Big Sky’s contract terms at this time, so merchants should be sure to inquire about all possible fees before signing up for service.

Phillip Parker is a former merchant services sales agent who believes the industry has been overrun by people who engage in fraud and deception in order to steal from hard working business owners. He created this website to help you avoid the bad players, save money on fees, and to get peace of mind with your merchant account. If you would like to help support his work, learn more about our cost reduction service. We can evaluate your statement, tell you exactly how much you're overpaying, and then help you dramatically reduce your fees with your current credit card processor. Looking to switch instead? See our list of the best merchant account providers.

Schedule a Consultation with Phillip

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