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Big Sky Commerce 2023: Reviews & Complaints
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Big Sky Commerce 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 Merchant Services, First Data (now Fiserv), and formerly National Processing Company (NPC) for its processing.
Before we dive in, here’s a short summary of what we’ll cover:
- Big Sky Commerce’s various payment processing services.
- The company has received few complaints online.
- There is little information about the company’s contract.
Big Sky Commerce Payment Processing
Big Sky Commerce processes all major debit and credit cards for most business types. Their services include check guarantee and conversion, Electronic Benefits Transfer, Gift Card and Loyalty cards, and processing for fleet cards including Comdata, Voyager, and Wright Express. They offer POS solutions, mobile processing, and e-commerce solutions.
Location & Ownership
Big Sky Commerce is a registered ISO of Wells Fargo Bank, NA, Concord, California. The company’s headquarters can be found at 2809 Connery Way, Missoula, Montana 59808. Kevin Davis is the president of Big Sky Commerce.
Table of Contents
Big Sky Commerce Customer Reviews
Here's What Their Clients Say
|Total Online Complaints||<10|
|Live Customer Support||Yes|
|Most Common Complaint||N/A|
Clean Complaint Record
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 client 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. If you have your own Big Sky Commerce review to make, please do so in the comments below.
Big Sky Commerce Lawsuits and Fines
We have not found any outstanding class-action lawsuits or FTC complaints filed against Big Sky Commerce. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
Big Sky Commerce Customer Support Options
The company’s website lists phone contact information and office hours, indicating that phone support is at least partially provided by Big Sky. We have therefore assigned it an “A” in this category, but we do not consider it to be a top-rated credit card processor for customer service.
Big Sky Commerce Customer Service Numbers
- (866) 327-0611 – Toll-Free Support
- (406) 327-0611 – Local Office
- (406) 327-6612 – Fax
Other Support Options
- Customer support form
- Customer service email address at [email protected]
Big Sky Commerce Online Ratings
Here's How They Rate Online
Clean Complaint Record
The Better Business Bureau currently awards an “A+” rating to Big Sky Commerce and is showing 0 complaints filed in the past 36 months. The company has been accredited since 2023.
What Merchants Say
The company has received 0 informal reviews on its BBB profile in the last 36 months. It should be noted, however, that informal reviews are not verified for their legitimacy like complaints filed with the BBB are. A previous review detailed a personal level of customer service:
As a small business, I get inundated with offers by different credit card processing companies several times a week. They ask all the standard questions such as how much I’m paying now, and if I’d like to save money. I simply tell them, “You couldn’t pay me enough to switch from the company I’ve been using for over 15 years (Big Sky Commerce). Every time I have a question or a concern, I call their office and a real person answers. And, that real person treats me like I’m one of their most valuable customers. Thank you, but I’m not switching.” I mean every word of that. Whenever I call Big Sky Commerce, the person who answers the phone can usually answer my question right away. But if that’s not the case, I get called back or transferred to someone who can. And everyone is always so eager to help! That is a such a refreshing difference from what is now “the norm” in so many businesses. I don’t do a lot of transactions via credit card — I’m a small company that sends a lot of invoices and mostly gets paid by check. And yet Big Sky Commerce treats me like I’m one of their valuable customers every time I call. That speaks volumes. I’ve been their customer for over 15 years, and their competition couldn’t pay me enough to switch, because I know they couldn’t match Big Sky’s level of customer service. I highly recommend them.
Though this review reflects best practices of any customer service, Big Sky Commerce still does not rank as one of the best merchant accounts in this area.
An “A” Performance
Given the company’s time in business, age of profile, and complaint record, we agree with the BBB’s rating in this case.
Big Sky Commerce Fees, Rates & Costs
A Closer Look at The Contract
|Monthly & Annual Fees||Unclear|
|Processing Rates||1.00% - 4.99%|
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.
Virtual Terminal and Payment Gateway Pricing
In addition to its storefront payment processing services, Big Sky Commerce also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. However, pricing is not disclosed on either of those services. The company lists TSYS, Chase Merchant Services, First Data/Fiserv, and National Processing Company as processing networks it utilizes. It may also use those companies for gateway services, but their website does not make that clear. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.
No Contract Complaints
We have not found any client complaints regarding Big Sky’s rates and fees, so we will assume for the time being that most of its clients 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.
We also encourage readers to check out our list of the providers of the best merchant accounts.
Big Sky Commerce Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Uses Independent Resellers||No|
|Discloses All Important Terms||No|
In-House Sales Team
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 Big Sky Commerce reviews that accuse the company’s sales team of deception or nondisclosure.
This compares favorably to our list of best credit card processors.
No Deceptive Ads
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 clients to purchase rather than lease equipment, which demonstrates a commitment to fair and honest pricing. If you suspect that Big Sky Commerce is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden costs.
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