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BillingTree Review: Fees, Comparisons, Complaints & Lawsuits
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Note: In 2021, REPAY (a provider of vertically-integrated payment solutions) purchased BillingTree. We are in the process of creating a profile for REPAY and will no longer be updating this review.
Payment Processing for Invoice-Based Industries
BillingTree is a merchant account provider that specializes in merchant services aimed at businesses in the healthcare, collections, finance, B2B, energy, and automotive industries. The company was founded in 2003 and also operates under the name “Electronic Payment Providers, Inc.”. BillingTree also prides its business on a client-focused approach that tailors its payment processing services to the unique needs of a merchant. BillingTree allows merchants to accept payments through ACH, credit and debit, e-commerce, online invoicing, and text payments, depending on which optimizes efficiency for each merchant.
BillingTree Payment Gateway
The company offers merchants Payzr, its proprietary payment gateway and virtual terminal service. Payzr is HIPAA, SSAE, and PCI-compliant, ensuring security and protection of both the company and the customer. It is also the anchor of the Payzr portfolio of products, which also includes Payzr Virtual Terminal, Payzr IVR, Payzr Portal, and Payzr Portal Plus.
In 2018 BillingTree acquired Ohio-based Internet Payment Exchange (IPayX). IPayX’s website is no longer is in service and now forwards to BillingTree’s Payrazr product platform, indicating a possible scale-down of the brand.
Acquired by Repay
In May 2021, it was announced that BillingTree would be purchased by Repay Holdings Corporation, a vertical integration payment solutions company. The purchase is for $503 million, and the BillingTree brand has been absorbed into REPAY.
Headquartered in Phoenix, Arizona
BillingTree Review Table of Contents
- Costs & Contract: BillingTree appears to offer variable contract terms that depend…
- Complaints & Service: BillingTree complaints number fewer than 10 on…
- BBB Rating: BillingTree has an “A-” rating and has received 1 complaint and 1 review in the past 3 years. The company has…
- Sales & Marketing: BillingTree does not appear to hire independent sales agents and has not received…
BillingTree Customer Reviews
Here's What Their Clients Say
|Total Online Complaints||<10|
|Live Customer Support||Yes|
|Most Common Complaint||N/A|
Low Complaint Total
We are able to find only a few negative BillingTree reviews at this time, which is a good indication that the company is not a scam or a ripoff. These BillingTree complaints refer to slow or unreachable customer service and appear to be isolated incidents. It is possible that some complaints intended for BillingTree are instead mistakenly filed against Electronic Payment Providers or the company’s backend credit card processor, but there is currently no evidence for this. If you have your own BillingTree review to make, please do so in the comments below.
In 2016, the company agreed to pay $178,000 in the settlement of a class-action lawsuit. The lawsuit alleged that the company processed debits from over 3,900 customer accounts to pay debts owed to high-interest lenders. The state of Vermont has made interest rates exceeding 24% outlawed.
BillingTree Customer Support Options
BillingTree advertises live customer support via phone and chat as well as an email address for ticketed support, and it seems that these channels sufficiently address customer issues in-house. BillingTree’s support team appears to function at a level similar to top payment processors for customer service.
BillingTree Online Ratings
Here's How They Rate Online
|Total BBB Complaints||1|
Clean Complaint Record
BillingTree currently has an “A-” rating with the Better Business Bureau and has been accredited since February 2013. The company has received 1 complaints to its BBB profile in the past 36 months. The 1 complaint was resolved to the satisfaction of the merchant.
What The Complaints Say
BillingTree has also received 1 informal complaint to its profile. The 1 review was positive and appears to be misfiled to the wrong company.
An “A” Performance Overall
BillingTree’s clean complaint record inclines us to agree with the BBB’s rating at this time. Merchants should note, however, that there are reasons to be skeptical of BBB ratings.
BillingTree Fees, Rates & Costs
A Closer Look at The Contract
|Swiped Rate||1.00% - 4.99%|
|Keyed-in Rate||1.00% - 4.99%|
|Virtual Terminal Rate||1.00% - 4.99%|
|Payment Gateway Fee||Undisclosed|
|Early Termination Fee||Undisclosed|
|PCI Compliance Fee||Undisclosed|
|Equipment Lease Terms||Undisclosed|
Potentially Variable Pricing
BillingTree does not provide its contract documentation on its website, and there is no public feedback regarding the BillingTree rates and fees at this time. It is therefore difficult to determine which pricing structures and recurring fees can be found in the standard BillingTree contract. BillingTree does not disclose the identity of its backend processor, but the company is almost certainly a reseller of another company’s merchant account contracts. It is also likely that BillingTree’s sales reps can alter rates and fees depending on each merchant’s size, business type, and processing history.
Virtual Terminal and Payment Gateway Pricing
In addition to its storefront payment processing services, BillingTree also dedicates a portion of its website to advertising its virtual terminal and payment gateway services, dubbed Payrazr. However, pricing is not disclosed on those services. Additional BillingTree rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.
No Cause for Concern
Given the fact that there are zero Billingree complaints related to BillingTree’s contract terms at this time, we will assign it an “A” rating in this category. However, there is no clear indication of whether or not BillingTree’s rates can compete with the cheapest merchant account providers. If you have any specific knowledge of the standard BillingTree contract (including any early termination fees or PCI compliance fees), please share that information in the comment section below this review.
BillingTree Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Employs Independent Resellers||No|
|Advertises Deceptive Rates||No|
|Discloses All Important Terms||No|
No Sales Complaints
BillingTree appears to utilize a combination of traditional advertising, strategic partnerships, sub-ISOs, and an in-house sales team to market its products and services. There is no evidence at this time that the company employs a team of independently contracted sales agents, and we cannot find any BillingTree reviews that accuse its sales reps of deceptive behavior.
No Misleading Quotes
Additionally, the company does not list any misleading rate quotes or unrealistic guarantees in its official marketing materials. We have therefore assigned it an “A” rating in this category. If you suspect, however, that BillingTree is overcharging you, you can double-check your monthly bill with a third-party statement audit.
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