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How did they treat you?

Updated 3/11/19: appears to have been fully absorbed into eVance Processing, the parent company of Calpian Commerce. See our eVance review for up-to-date information about this company.

Cardaccept ( is a small merchant account provider serving most business types. The company was founded in 1993 and is located at 1515 Hancock Street Quincy, Massachusetts 02169. Cardaccept is a subsidiary of Calpian Commerce (formerly known as Pipeline Data) and a registered ISO/MSP of BMO Harris Bank, N.A. of Chicago, Illinois, Meridian Bank of Devon, Pennsylvania, and Wells Fargo Bank, Walnut Creek of California. There is some evidence to indicate that Cardaccept is no longer an active brand within the Calpian Commerce family of businesses, but the company still has an active website. We will therefore assume that it is still operational for the time being. MacAllister Smith is the last known president and CEO of Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints 10+
Live Customer Support Yes
Most Common Complaint Fund Holds

Due to some technical difficulties at other consumer protection websites and the apparent deletion of’s Better Business Bureau profile, there are only a few reviews to be found at this time. However, at the time of our previous review, there were at least 12 publicly listed complaints online, several of which accused the company of being a ripoff or a scam. Aside from disputing the company’s advertised terms, most of these reviews described difficulty cancelling the service, trouble reaching a company representative, and withholding of funds. Withheld funds in particular were a common complaint (see this review), and although we generally don’t penalize companies for engaging in this standard fraud prevention practice, it does seem as though merchants were not receiving appropriate justification for the holds they experienced.

Cardaccept’s affiliation with Calpian Commerce suggests that the company’s clients may deal directly with Calpian customer support representatives, which could in turn funnel complaints away from Cardaccept’s online profiles. One factor increasing the company’s score in this section is the fact that many of these complaints were old reviews that make reference to Pipeline Data rather than the company’s current processor, Calpian. It is therefore possible that things have improved since the change in partnership. Given the troubling claims we unearthed at the time of our last update, we will hold Cardaccept’s score at a “C-” despite our inability to replicate those search results at this time. Online Ratings

Here's How They Rate Online

Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.

One online review of discloses a former “F” rating with the Better Business Bureau due to the company’s failure to respond to merchant complaints. At this time of review, however, no longer has a BBB profile. Given what we know about Cardaccept’s former BBB profile and the former presence of at least 12 other online complaints, we are adjusting the BBB’s grade to a “D” for the purposes of this review. Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Swiped Rate IC + 0.25% +$0.25
Keyed-in Rate IC + 0.25% +$0.25
Early Termination Fee $300
PCI Compliance Fee Variable
Equipment Lease Terms Variable

The standard terms of the Cardaccept contract appear to be in dispute. The company markets itself as a provider of Interchange-plus pricing, quoting a rate of interchange + 0.25% + $0.25 for all transactions, online or in-store. This pricing structure does not appear to be in dispute among merchants. There is widespread disagreement, however, about the company’s contract length and fees. The company advertises no contract or cancellation fees, while merchants allege monthly minimum fees and an early termination fee of $300, both of which imply some kind of standard contract length. It is possible that these terms may have changed since Pipeline Data’s assets were acquired by Calpian Commerce, but without any verifiable information either way, we are awarding the company an average grade of “C” in this category. If you have any knowledge of the standard contract, please describe your experience in the comment section of this review. Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Employs Independent Resellers Yes
Advertises Deceptive Rates Yes
Discloses All Important Terms No

Multiple online complaints seem to indicate that Cardaccept employs independently contracted sales agents to market its services, although this could not be confirmed at the time of this update. Generally speaking, this hiring practice makes it difficult for a company to monitor and regulate the conduct of its sales team. Many reviews cite misrepresentation of rates and fees by sales agents, which mostly occurred when the company was operating as an ISO of Pipeline Data.

The website advertises no application fees, setup fees, AVS fees, gateway transaction fees, shopping cart fees, programming fees, shipping and handling fees, American Express setup fees, long-term contracts, or cancellation fees. It does note a statement fee of $9. However, despite these claims, we were able to locate several reviews that cite undisclosed fees, including monthly minimum fees approaching $50, an early termination fee of $300, and possibly some sort of merchant obligation to purchase Sprint smartphone hardware for a monthly rate. The claims in these reviews vary, but the common theme is that many merchants dispute Cardaccept’s promotions about its low or nonexistent fees. Given the reputation of Cardaccept’s processor, Pipeline Data/Calpian Commerce, we are inclined to view these merchant reports as more credible than the company’s ad copy.

Our Review Summary

Our Final Thoughts

There appears to be a great deal of confusion about the products and services offered by Cardaccept. Without any way of separating misinformation from truth, we are compelled to rate Cardaccept as a substandard merchant account provider until more is known. The company’s score could potentially improve if its BBB profile is ever restored and it logs some positive reviews in partnership with Calpian Commerce.

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