Capital Payments Review

Rates as Low as 1.7%, No Monthly Fees, No Contract, 24/7 Support. See Who It Is Now.

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Capital Payments
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Capital Payments

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PhonePhone(503) 595-5565 View Pricing

A Full-Service Merchant Account Provider

Founded in 2006, Capital Payments is a merchant account provider that serves most standard-risk business types. It has no affiliation with a previously existing company called Capital Payments which was rebranded as Bluefin Payment Systems in 2012. Capital Payments is partnered with TSYS, Elavon, Paysafe, CardConnect, and Vantiv as its backend processors.

Capital Payments Payment Processing

Capital Payments processes all major debit and credit cards for most business types. Their services include EMV card readers and swipers, POS solutions, PCI compliance, NFC payments, chargeback protection, gift and loyalty programs, and inventory and vendor tracking.

Capital Payments Location & Ownership

Capital Payments is headquartered at 1201 SW 12th Ave #210, Portland, Oregon 97205, and does not publicly list its acquiring bank. Chuck Spicer is the president of Capital Payments.

Capital Payments Review Table of Contents

  • Costs & Contract: Capital Payments offers variable contract terms depending on each merchant’s business type, size, and processing history.
  • Complaints & Service: Capital Payments complaints number fewer than 10 on public complaints forums.
  • BBB Rating: Capital Payments currently has an “A+” rating with the Better Business Bureau and has received 2 complaints and 9 reviews in the last 3 years.
  • Sales & Marketing: Capital Payments does not appear to hire independent sales agents and has not received any complaints about its sales practices.
Capital Payments payment processing

Capital Payments offers a variety of payment processing services

these processors announce that they now sync with quickbooks

Capital Payments Reviews and Complaints

Here's What Their Clients Say

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint

No Public Complaints

We are currently unable to locate any Capital Payments reviews that accuse the company of being a ripoff or a scam. This seems to indicate that Capital Payments employs a proactive and available customer support team. If you have your own Capital Payments review to make, please do so in the comments below.

Capital Payments Lawsuits and Fines

We have not found any outstanding class-action lawsuits or FTC complaints filed against Capital Payments. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Capital Payments Customer Service Options

The Capital Payments website provides general phone and email contact information but does not list a dedicated customer support number.

We have located multiple Capital Payments customer service phone numbers:

(503) 595-5565 – General Customer Support
(866) 910-4972 – Fax

Capital Payments also offers a customer support form on its website as well as the following customer service email addresses:

[email protected]
[email protected]

We will award Capital Payments an “A” rating in this category, but the company’s current customer support options do not qualify it as a top-rated customer service processor.

Capital Payments BBB Rating and Report

Our Better Business Bureau Profile Assessment

BBB Summary

Total Complaints
Resolved Complaints

Nearly Clean Complaint Record

Capital Payments has an “A+” rating with the Better Business Bureau and has been BBB accredited since 2016. The company has received 2 complaints in the past 3 years. 1 complaint was resolved to the satisfaction of the merchant. The other 1 complaint was resolved to the dissatisfaction of the merchant or received no final response.

What Merchants Say

Capital payments has also received 9 informal reviews to its profile, all of which are positive.

An “A” Performance

Given the company’s nearly clear complaint record, we agree with the BBB’s rating at this time. Merchants should note, however, that there are good reasons to be skeptical of the BBB’s rating system.

in the news apple versus banks

Capital Payments Fees and Rates

A Closer Look at the Contract

Don't Fall Into An Expensive Trap. See Who The Worst Processors Are.

Cost Summary

Swiped Rate
1.00% - 4.99%
Keyed-In Rate
1.00% - 4.99%
Early Termination Fee
PCI Compliance Fee
Equipment Lease Terms

Capital Payments Contract Terms

There is no publicly available information about the standard Capital Payments contract at this time. The Capital Payments website advertises a cash discount pricing program, but it is likely that the company customizes its pricing and terms according to each merchant’s business type, location, and processing history. The company could offer long-term equipment leases for certain merchants, and we do not recommend signing a long-term equipment lease if you can afford to purchase a modern terminal outright. We also encourage merchants to check out our list of the providers of the best merchant services.

No Red Flags

The total absence of complaints about the company’s contract terms merits an “A” in this category, but it should be noted that we are assigning this grade without any verified knowledge of specific pricing. It is difficult to assess at this time whether Capital Payments’ contract terms are competitive with the cheapest merchant accounts.

Capital Payments point of sale

Capital Payments offers a number of point-of-sale devices for lease

Capital Payments Jobs and Employment

Hiring Standards and Ethical Marketing Assessment

Audit Your Current Statement To Find Its Hidden Fees

Processing statements are intentionally complicated so that they can overcharge you. Get clarity before you switch.

Key Points

Employs Independent Resellers
Advertises Deceptive Rates
Discloses All Important Terms

Inside/Outside Sales Team

Capital Payments appears to rely on a combination of outside resellers and in-house staff to market its services. There is no evidence at this time indicating that the company employs a large team of independent sales agents, and we are unable to locate any Capital Payments reviews that report unethical behavior by the company’s sales staff. This compares favorably to our list of best credit card processors.

No Misleading Quotes

Capital Payments does not appear to engage in any deceptive advertising strategies in its official materials. If you suspect that you are being charged undisclosed Capital Payments fees, we recommend seeking a third-party statement audit to eliminate hidden charges.

Capital Payments Review Summary

Our Final Thoughts and Opinions

A Reliable Option for Most Merchants

According to all available information, Capital Payments rates as a dependable merchant services provider. There is not a lot of specific information available about the company’s sales tactics or contract terms at this time, but its clean complaint record is a very positive sign. Even when dealing with companies that rate highly by our standards, we urge merchants to thoroughly examine the terms of any contract they are given and to compare its pricing to top-rated merchant account providers.

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Capital Payments Competitors

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Customer & Employee Reviews

What Others Are Saying About Capital Payments

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1 Responses

  • Kevin Enny

    Belford Brewing Company

    Capital Payments is not a reputable company. My small company was snookered into a 48 month lease for Clover equipment for an outrageous price. Then I was approached again late last year with a great offer. 3.28% Customer Credit card charge and $150 for life credit card processing fee. After asking about quite a few discrepancies with the contract they wanted me to sign, like debit card fees, and other fees I was assured those discrepancies did not pertain to me or I was reading it incorrectly. Once I signed the contract I was told too bad about the 3.28% customer credit card charge and it would be 3.5% and that was set by Clover and it was out of their hands. Guess what, I magically had another 48 month lease for Clover equipment that I am on the hook for. Do not do business with this company as they are cheats and get you into a lease you cannot get out of.


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About The Author

Phillip Parker is the creator and author behind this website. He has over 15 years of experience in the credit card processing industry as a journalist, consultant, and former merchant account sales professional. He started this project as a blog to expose merchant services providers that engage in predatory business practices, such as deceptive marketing, misleading pricing, and high-pressure sales tactics. His goal is to help business owners find merchant account providers who serve their industry well while offering fair rates with no junk fees and no long-term commitments.

Phillip has researched over 1,000 payment processors and been quoted in numerous high-profile publications, including the Los Angeles Time, INC Magazine, The Atlantic, and the Miami Herald among others.

Need advice on card acceptance? Schedule a consultation with Phillip.

Phillip’s Top Processor Picks:
Retail, restaurant, e-commerce, mobile, professional services, and invoicing, Phillip recommends Helcim and CDG Commerce.

High-risk businesses, Phillip recommends PaymentCloud and Host Merchant Services.

How Our Ratings Work

Please note that our rating system was overhauled on April 26th, 2023. Reviews dated before this date may not score in accordance with the following.

Star Rating Criteria:

At the start of our research, all processors are awarded five stars. We deduct stars if the processor engages in any of the following:

– One star deduction if the processor has any junk fees.

– One star deduction if the processor does not post its pricing clearly on its website.

– One Star deduction if the processor is suffering from moderate client complaints.

– Multiple Star deductions if a processor is suffering from severe complaints, imposes unjust cancellation fees, markets non-cancellable equipment leases, engages in predatory rate pricing, or may be engaged in illegal activities.

Get all of the details regarding out rating criteria here.

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