Capital Payments Overview

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 that was rebranded as Bluefin Payment Systems in 2012. Capital Payments is partnered with TSYS, Elavon, Paysafe, CardConnect, Vantiv, and Authorize.Net as its backend processors. The company’s website also advertises a zero fee processing program.

Capital Payments Location and 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 has received fewer than 10 public complaints.
  • BBB Rating: Capital Payments currently has an “A+” rating and has received 0 complaints and 20 reviews in the last 3 years. The company has been accredited by the Better Business Bureau since 2016.
  • Sales & Marketing: Capital Payments does not appear to hire independent sales agents and has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Capital Payments
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Products & Services Offered

Types of Businesses Served

  • Retail
  • E-commerce
  • Mobile
  • MOTO

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Capital Payments Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-In Rate 1.00% - 4.99%
Virtual Terminal Rate 2.90% + $0.30
Payment Gateway Fee $25 Per Month
Batch Fee $0.10
Early Termination Fee Undisclosed
PCI Compliance Fee Undisclosed
Equipment Lease Terms 48 Month (locked)

Capital Payments Contract Terms

There is no publicly available information about the standard Capital Payments contract at this time. Some merchant reviews express that the company operates a flat rate program. The Capital Payments website advertises a zero processing fee program, but it is likely that the company customizes its pricing and terms according to each merchant’s business type, location, and processing history. Given the fact that the company lists multiple payment processing partners, including TSYS, Elavon, Paysafe, CardConnect, Vantiv, the rates and fees charged to a merchant will depend on which back end processor it utilizes. 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 terminal outright.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Capital Payments also dedicates a portion of its website that advertises its virtual terminal and payment gateway services, provided by Authorize.NetA typical merchant agreement through Authorize.Net includes a transaction rate of 2.90% plus $0.30, a gateway fee of $25 per month, and a batch fee of $0.10. However, as a reseller of its services, Capital Payments reserves the right to alter these terms and conditions.

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.

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Response from Capital Payments

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Capital Payments Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support No
Most Common Complaint N/A

No Public Complaints

We are currently unable to locate any Capital Payments complaints 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.

Capital Payments Lawsuits

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 Support Options

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

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Response from Capital Payments

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Capital Payments BBB Rating Summary

Key Points - BBB

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

Clean Complaint Record

Capital Payments has an “A+” rating with the Better Business Bureau and has been BBB accredited since 2016. The company has not received any complaints in the past three years. It also has received 20 exclusively positive informal reviews. However, informal reviews are not verified by the BBB like complaints are.

An “A” Performance

Given the company’s 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.

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Response from Capital Payments

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Truth In Marketing & Advertising

Key Points

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

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 complaints that report unethical behavior by the company’s sales staff.

No Misleading Quotes

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

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Response from Capital Payments

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Capital Payments Logo

Our Opinion of Capital Payments

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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Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

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