Should You Choose CardPay? Full Review Inside

We take our role in providing guidance and education regarding the card payment industry very seriously. At our own expense, we have vigorously defended our right to continue expose unethical and predatory practices in the industry, successfully defeating every attempt to silence us. However, fending off frivolous lawsuits is costly. To sustain these efforts, one of the ways we generate revenue is through affiliate partnerships with ethical providers. This means that some of our outgoing links connect business owners to trustworthy, low-cost payment processors, which is what most of our readers seek. We see this revenue channel as a win-win-win for everyone involved. Business owners find good processors, processors get good clients, and we are able to continue to provide a valuable service to the small business community. We also recommend and link to many services that do not compensate us. Our priority is to guide you to the best solutions for your needs, regardless of potential revenue. If you have questions, please feel free to contact us.

All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.

Card/Pay

Rating
A
5/5
full starfull starfull starfull starfull star

Pros and Cons of Card/Pay

Pros

Transparent pricing structure
No early termination
Month-to-month contracts
Competitive flat fees
No setup charges

Cons

Annual PCI fee
Potential hidden fees
Equipment leasing options
Early cancellation fees
Monthly minimum charges

Overview

In this review of CardPay, we take a closer look at the company’s credit card processing services. Their offerings include point-of-sale systems, mobile payment options, and e-commerce features designed for a variety of businesses. We’ll highlight which types of businesses may benefit most from these services. We’ll also review client and customer feedback to identify common trends and concerns. In addition, we’ll cover pricing, contract terms, and included services. By the end, you’ll know whether CardPay is the right fit for your payment processing needs.

About Card/Pay

Screen Capture of Card/pay Homepage
Card/Pay Homepage

Established in 2000, Card/Pay is a merchant account provider serving most standard-risk business types. Card/Pay is “powered by” First Data (now Fiserv), which means that the company either resells First Data (Fiserv) contracts or relies on First Data (Fiserv) for its processing network. Restaurant merchant accounts and lodging merchant accounts are two of Card/Pay’s primary focus areas.

Products & Merchant Services

Payment Processing

Card/Pay processes major debit and credit cards for a variety of business types.

Clover POS Solutions

Clover offers a range of point-of-sale (POS) solutions designed to cater to businesses of varying sizes. Their systems integrate hardware and software to process payments, manage transactions, and streamline operations.

EMV Card Readers and Swipers

EMV card readers and swipers are essential for businesses seeking to comply with current payment security standards. These devices allow merchants to accept chip-enabled cards, enhancing transaction security compared to traditional magnetic stripe methods.

MOTO Payments

Mail Order/Telephone Order (MOTO) payments allow businesses to accept credit card transactions without the physical presence of the card. This is useful for industries like hospitality, professional services, and retail, where orders are often placed remotely.

e-Commerce Solutions

E-commerce solutions enable businesses to set up and manage online stores, handling everything from product listings to payment processing.

Recurring Billing

Recurring billing services are designed for businesses that offer subscription-based models or repeat billing, such as gyms, software services, or membership organizations. These systems automatically charge customers at specified intervals, reducing manual processes and ensuring consistent revenue streams for the business.

Customer Database Management

Customer database management systems assist businesses in storing, organizing, and accessing customer information. This helps businesses better understand customer preferences, track purchasing behavior, and offer personalized services.

Gift Card Programs

Gift card programs provide businesses with an additional revenue stream and a way to enhance customer loyalty. Offering both physical and digital gift cards allows companies to cater to a wide range of consumers.

Customer Reviews & Sentiment

Low Complaint Total

There are currently no available reviews labeling Card/Pay as a scam or ripoff. The scarcity of such reviews could be attributed to the company’s name being hard to search or its association with First Data (Fiserv). It’s plausible that dissatisfied Card/Pay clients might direct their complaints to First Data (Fiserv) rather than Card/Pay itself. If you have a Card/Pay review to share, feel free to post it in the comment section below.

Card/Pay Lawsuits

No class-action lawsuits or FTC complaints have been identified against Card/Pay. Merchants seeking non-litigious ways to resolve disputes with the company can report their issues to appropriate supervisory organizations.

Industry Scores & User Ratings

Online Ratings Summary
PaymentPop5
BBB RatingN/A

PaymentPop Rating for Card/Pay

Negative Feedback

There are no negative reviews published about Card/Pay on the PaymentPop website.

Positive Feedback

Card/Pay has made it easy to keep things running smoothly. The dashboard is clean, payouts are quick, and their support team actually answers when you need them. It’s made the payment side of things feel way less stressful.

Card/Pay BBB Rating

Card/Pay is not an accredited business of the Better Business Bureau and currently maintains an “A+” rating at the time of this review. The company first received a BBB file in 2004 and has registered 0 merchant complaints in the past 36 months. Card/Pay has also not received any informal reviews, although it should be noted that these reviews are not subject to verification by the BBB.

An “A” Performance

Given the company’s clean complaint record, we agree with the BBB’s rating in this case. However, merchants should note that there are reasons to be skeptical of the BBB’s ratings.

Processing Rates & Fees

No Public Documentation

There is very little specific information available online about the standard Card/Pay contract. Given that the company is powered by First Data (Fiserv), it’s probable that the standard Card/Pay contract closely resembles the standard First Data (Fiserv) contract.

First Data (Fiserv) offers a wide array of services, typically with multi-year terms and a variable termination fee. For instance, merchants processing up to $50,000 monthly through First Data (Fiserv) receive a swiped rate of 2.69% plus $0.19 and a keyed-in rate of 3.69% plus $0.19. Meanwhile, those with charges exceeding $50,000 monthly receive a swiped rate of 2.29% plus $0.19 and a keyed-in rate of 3.29% plus $0.19. Common terms in contracts with First Data (Fiserv) include a $495 early termination fee, a $19.95 monthly PCI compliance fee, and a 48-month equipment lease that cannot be canceled.

Despite its market share, First Data (Fiserv) does not typically offer rates lower than the industry average. However, Card/Pay’s status as a reseller of their services suggests that a negotiated rate lower than First Data (Fiserv)’s standard rates could be possible.

No Pricing Complaints

Card/Pay contract terms may vary depending on the agent setting up the account and the merchant’s business specifics. Consequently, merchants could potentially obtain competitive pricing comparable to the cheapest merchant accounts. The absence of complaints regarding Card/Pay contracts suggests that most of the company’s merchants are satisfied with the rates and fees they incur. If you possess any insights about the standard Card/Pay contract, please share them in the comment section below this review.

Employee Reviews & Sales Practices

No Sales Complaints

Card/Pay appears to partner with sub-ISOs and independent sales agents to market its services. This practice is common within the credit card processing industry and tends to produce a network of loosely regulated, untrained sales entities under the same company. Card/Pay does not appear to suffer from utilizing this hiring strategy, as we are unable to locate any negative Card/Pay reviews that mention difficulties with the sales team.

No Sneaky Quotes

In addition, the company does not appear to engage in any deceptive advertising tactics in its official materials. If you suspect that Card/Pay is charging you hidden fees, we recommend seeking a third-party statement audit to eliminate undisclosed charges.

Card/Pay Competitors

Compare Card/Pay to competitors that earned top marks.

Bottom Line

Card/Pay currently rates as a reliable merchant services provider based on our criteria. The company has maintained a spotless record across consumer protection websites, reinforcing its positive reputation. However, its affiliation with First Data (Fiserv) means that merchants should carefully read their contracts, ensuring that terms and conditions align with their expectations.

Card/Pay’s rating may shift as additional information becomes available regarding its service terms and sales practices. In the meantime, merchants should compare Card/Pay with the top overall credit card processors to ensure they’re receiving the most favorable pricing and features for their specific needs. Conducting this comparison will help businesses make informed decisions and secure a processing partner that best aligns with their operational goals.

Read Actual User Reviews

All user reviews have been moved to our partner, PaymentPop.com

Contact Card/Pay

Contact & Customer Support
CEO and Co-founderCraig Lum
Headquarters7110 SW Hazelfern Rd Ste 260, Tigard, Oregon
Toll-Free General Customer Service(877) 883-0131
Office(503) 384-0131
Fax(503) 595-2218
Websitecardpaysolve.com