CCBill Credit Card Processing 2023: Reviews & Complaints
Founded in 1998, CCBill is a merchant account provider that specializes in high-risk and international payment processing for e-commerce merchants. In addition to its online payment solutions for standard merchants, the company can also provide credit card processing for dating, non-profit, subscription-based, and live entertainment business types. CCBill also operates overseas offices under the name of CCBill EU for European merchants.
Is CCBill Holding Your Funds Right Now?
Dozens of merchants have had their payments frozen by CCBill. If you’re one of them, then you might find these resources helpful:
- How To Make Your Payment Processor Release Your Money
- How to Fight Chargebacks
- Best Merchant Accounts for Hard-To-Place Business Types
CCBill Payment Processing
CCBill processes all major debit and credit cards for most business types. Their services include POS solutions, e-commerce solutions, and more.
Specialized Payment Solutions for High-Risk Industries
CCBill is a trusted payment services provider, offering specialized credit card processing solutions for high-risk industries such as adult entertainment, online dating, and digital content. With years of experience and expertise in handling complex payment requirements, CCBill provides a secure and efficient way for businesses in high-risk sectors to accept various payment methods.
User-Friendly Payment Gateway
CCBill’s user-friendly payment gateway enables businesses to process payments seamlessly through a single platform. The gateway supports multiple payment methods, including credit and debit cards, electronic checks, and alternative payment options, providing a comprehensive solution for merchants in high-risk industries.
International Payments and Currency Support
As a global payment processor, CCBill supports transactions in multiple currencies, making it easy for businesses to cater to an international customer base. With the ability to accept and process payments from customers worldwide, merchants using CCBill can expand their reach and grow their businesses across borders.
Robust Security and Fraud Protection
Understanding the unique security challenges faced by high-risk industries, CCBill employs robust security measures and advanced fraud protection tools to safeguard sensitive customer data and protect businesses from fraudulent transactions. CCBill’s security features include PCI DSS compliance, strong encryption, and real-time fraud monitoring, ensuring a secure payment processing environment.
Flexible Billing Solutions
CCBill offers a variety of flexible billing solutions tailored to the needs of businesses in high-risk industries. These solutions include recurring billing, pay-per-view, and pay-per-download options, allowing merchants to create customized billing models that align with their business offerings and customer preferences.
Responsive Customer Support
CCBill’s responsive customer support ensures that merchants receive prompt assistance and guidance with any payment processing issues or concerns. With a dedicated team of support professionals, CCBill provides a high level of customer service to help businesses navigate the complex world of high-risk payment processing.
Customizable Payment Forms
CCBill’s customizable payment forms allow merchants to create a consistent and professional payment experience that reflects their brand identity. With a range of customization options, including form design, payment page layout, and language selection, businesses can tailor their payment forms to suit their specific needs and preferences.
Advanced Reporting and Analytics
CCBill’s advanced reporting and analytics tools provide businesses with valuable insights into their payment processing performance. With access to real-time data and in-depth reports, merchants can make informed decisions to optimize their payment processing strategies and improve their overall business performance.
Location & Ownership
The company is headquartered at 2353 W University Dr, Tempe, Arizona 85281, and is likely partnered with multiple acquiring banks. Ron Caldwell is the founder and CEO of CCBill.
Table of Contents
- Costs & Contract: Appears to offer various pricing plans that charge rates based on…
- Complaints & Service: Complaints number more than 10 on…
- BBB Rating: Has an “A+” rating and has received 35 complaints and 73 reviews in the last three years. The company has been…
- Sales & Marketing: Does not appear to hire independent sales agents and has not…
CCBill Customer Reviews
Here's What Their Clients Say
|Total Online Complaints||150+|
|Live Customer Support||Yes|
|Most Common Complaint||Fund-Holds|
Many Complaints From Consumers
We have located over 150 negative CCBill reviews, but there are a very large number of complaints filed by customers of CCBill merchants. It appears that in addition to its merchant processing, CCBill offers a customer-facing service that bills cardholders directly, which has resulted in numerous complaints filed against CCBill regarding fraudulent billing, poor customer service, and unexpected fees. While this is a concerning pattern for customers of CCBill clients, it shouldn’t negatively affect a business’ experience with the company. It is very likely that CCBill’s willingness to process for businesses with high chargeback rates has resulted in CCBill taking the heat for some of its clients’ misconduct.
Few Complaints From Clients
Complaints posted by actual CCBill clients are relatively few, but those that do exist mention fund-holds, high processing fees, and poor customer service. Understanding why credit card processors hold funds is a good way for businesse to avoid a negative experience with CCBill. If you have your own CCBill review to make, please do so in the comments below.
CCBill Lawsuits and Fines
In 2007, CCBill was the defendant of a lawsuit filed by an adult entertainment magazine. In the case (Perfect 10, Inc. v. CCBill, LLC), the merchant accused the company of copyright infringement but the court ultimately ruled in favor of CCBill. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
CCBill Customer Support Options
CCBill advertises that it offers 24/7 customer support, which may be a major contributor to its low complaint rate.
CCBill Customer Service Numbers
- (888) 596-9279 – Toll-Free Customer Support
- (480) 449-7751 – Corporate Offices
- (888) 364-4332 – Sales
- (800) 510-2859 – Merchant Support
- (855) 330-8755 – Affiliate Support
Other Support Options
- Live chat
- Customer service email addresses
CCBill’s rating has been lowered due to the company’s slightly increased complaint total over the past year, but there is no reason to believe that there are systemic problems for businesses that work with the company.
CCBill Online Ratings
Here's How They Rate Online
Online Ratings Summary
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.
Over 30 Complaints
CCBill currently has an “A+” rating with the Better Business Bureau and has been accredited since July 2014. The company’s profile has received 35 complaints in the past 36 months.
What Merchants Say
There are also 73 customer reviews posted about the company, with only 2 of them positive in tone. This is a major increase in the amount of negative reviews since our last update, and the majority of them relate to accusations of fraudulent charges made to customers credit cards and accounts. It should be noted the majority of these negative reviews are not being left by merchants. 1 recent review alleges a number of unexpected fees:
Woke up to random charges on my card this morning, my money hasn’t even been there 12 hours and, the website I was on like 10 days ago and clicked through the cancel process said it was canceled and would be no charges, but woke up this morning to 2 different unapproved charges on my card, and would like to know why would my card get charged even after I went through and canceled the subscription?? I didn’t agree to get charged for different sites, I went to check out one and I wanted to see a friend I used to go to school with for the night, was only supposed to be .99 for one day get one day free, this does not add up, makes completely no sense and I will tell very guy I know not to use anything with ccbilling on it anymore they will s**** you over and not tell you,
Clients should review how to close an account without paying a fee to avoid situations like this.
A “B” Performance Overall
As with the majority of CCBill complaints found elsewhere online, the company’s BBB complaints appear to have been mostly filed by dissatisfied customers of CCBill clients rather than by the clients themselves. We have therefore adjusted the BBB’s rating according to our own rating criteria.
CCBill Fees, Rates & Costs
A Closer Look at The Contract
|Processing Rates||3.90% + $0.55|
|Monthly & Annual Fees||Yes|
Variable Contract Terms
There is very little specific information available regarding the standard CCBill contract at this time. CCBill provides processing for a wide array of hard-to-place business types, meaning that rates and CCBill fees will probably vary according to a business’ size, time in business, processing history, and other factors. As a general rule, high-risk processing is more expensive than standard-risk processing (both on a per-transaction basis and an annual fee basis), but this is due to the high chargeback rates associated with these business types.
CCBill Transaction Fees
CCBill lists some of its rates and fees for U.S. merchant accounts, UK merchant accounts, and Canadian merchant accounts on this page. However, it is likely that CCBill is able to provide custom pricing plans to most merchants.
Large Annual Fees
According to its website and online reviews from clients, CCBill charges an annual registration fee of $500 for dating sites and an annual fee of $1,000 for other high-risk business types. These fees may actually be imposed by MasterCard and passed along by CCBill, and it should be noted that annual fees are common among high-risk processors.
Funds Held in Reserve Accounts
According to several online forums, CCBill sometimes places large transactions in reserve accounts for up to six months. This is a common practice within the credit card processing industry and there is no indication at this time that the company is abusing its reserve policy.
Mostly Satisfied Clients
Overall, there are very few CCBill reviews related to their pricing and terms, so we will award the company an “A” for the time being. If you have any knowledge of CCBill’s standard pricing (including any early termination fees or PCI Compliance fees), please share that information in the comment section below this review. We also encourage business owners to check out our list of the providers of the best merchant accounts.
CCBill Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Uses Independent Resellers||No|
|Discloses All Important Terms||No|
A Primarily In-House Sales Team
CCBill appears to market itself primarily through its website and through traditional methods like telemarketing and advertisements. We can find no evidence at this time that the company employs independent sales agents, and we have not found any CCBill reviews that mention deceptive sales tactics by the company’s employees. This compares favorably to our list of best credit card processors.
Some Questions About Pricing
The CCBill website lists multiple pricing plans and rate quotes depending on a business’ type. The CCBill rates shown on the site are quoted as flat rates in some cases, but other parts of the website state that pricing “starts at” or is “as low as” these rates. Although we have not found any client complaints claiming that CCBill’s quotes are misleading, it does appear possible that the company is using incomplete rate quotes in order to give businesses an unrealistic expectation of the rates they will pay. If you believe you may be overpaying with CCBill, we advise you to seek a fee reduction audit from an independent third party.
No Red Flags
Without any evidence that clients are dissatisfied, we will award CCBill an “A” in this section, but business owners are encouraged to share the effective rates they’ve experienced in the comment section below this review.
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