CCBill Credit Card Processing 2023: Reviews & Complaints

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Company Overview

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:

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

Key Points

Total Online Complaints 150+
Live Customer Support Yes
Most Common Complaint Fund-Holds
Recent Lawsuits No

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

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

BBB Reports 108

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

Key Points

Processing Rates 3.90% + $0.55
Monthly & Annual Fees Yes
Cancellation Penalties Unclear
Equipment Leasing Unclear

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?

Key Points

Uses Independent Resellers No
Telemarketing Yes
Misleading Marketing 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.

Our CCBill Review Summary

Our Final Thoughts

CCBill rates as a good credit card processing option for high-risk merchants. The company appears to generally charge higher processing fees than average and may place holds on suspicious transactions, but these risks are common among all high-risk processors. For many businesses in high-risk industries looking for an e-commerce merchant account, CCBill may be the best and only U.S.-based option for credit card processing. However, business owners should still be sure to read and understand all contract terms, even when dealing with a highly-rated provider.

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Your Comments & Reviews

How Did CCBill Treat You?

23 Responses

  • My credit card was immediately stolen and used for fraudulent charges after using, just once. There was no other use of the card and then suddenly, boom! I wouldn’t use them again, even though the service looks good (e.g. allowed subscription cancellation, etc.). My guess is that they lack internal controls and employees are dealing the card numbers out the back door.

  • William Hovis

    From a consumer, after I bought a subscription using CCBill, I was bombarded with spam emails. I get at least 20 emails a day. Been going on for 2 months now. I emailed the company and of course no response. It’s companies like this that need to be in court at the very least

  • I was charged $775.00 in one day! 7 charges of $100, 1 for $75, 1 for$25, and 1 for $.01. Foul, Foul, Foul!!!!!!’ This company needs to be stopped. I’m glad that I have a great bank; they took care of it for me

  • This company has debited my checking account for a couple of months now. The email that had for my “account” was not mine, and for a dating service. (I’ve been happily married for 30 years) Just got off the phone with (Jalena) to cancel it, and refund my almost $60. I’m going to contact my bank too, so they are aware of it. WTF? I’m tired of scammers!

  • Yes. We need to report this to the authorities. Right now. .Scammers they are. Stilling money from the commimity. Don’t recomend that company to any one. Bastards!!!

  • Jeffrey L Hoyt

    I would like to cancel this subscription.

  • Oguzhan gulhan

    They received 55$ for tf trial version they said we will money back but they shouldnt work with them.They are cheater.they keep stalling Wants bank information wants credit card exteres but THEY DONT MONEY BACK NEVER!

  • Grant Ashton

    I have been scammed by this Uk website and the merchant they used to take the payment is CC Bill.
    I would like a gaurantee that no more money will be taken and if not i will be going to uk trading standards about this company.

  • Who the heck is CCBill??? WHY are they charging my CC a monthly fee? What am i being charged for??? How did they get hold of my CC numbers? Is this some kind of offshore scam syndicate? How do i stop this? How do i stop them from charging my CC?

    • Carlos Cruz

      I have three months that this page is taking 49.96 dollars from my bank account and I don’t know why I need a quick response if I don’t have to go to the police to investigate ??

  • Frederic Barjavel

    CCbill is misleading customers. I subscribed to a website and received a confirmation from ccbill that the subscription is non recurring.

    ( is the payment processor for your order with, and you have been billed for the amount of $10.00 for 30 days (non-recurring).
    Order Number 0219219301000003363

    My card was still debited the following month, and when I talked to ccbill support they said I should check with the original website.

    Their confirmation email should tell us to check with the merchant website and not to confirm the payment is non recurring. If we use ccbill, it is precisely because we (used to) trust ccbill and not all merchants but the email confirmation is deceitful.

  • cassandra

    this company denied my services because I was a female buyer in a male dominated company. They specifically emailed me telling me they do not accept female clients even though I was a client of theirs in the past with no issues. They emailed me saying females have their credit card declined more than males and because of that they dont accept female clients anymore. if thats not the most sexist email I ever received in my life I dont know what is. id love to know if thats even legal??

    This post will help: How to Report Bad Credit Card Processors


  • Alysha Turcotte

    Deffinalty fraud. They took multiple payments from my account in one day and I had never heard of the company until I looked at my online banking. Tried contacting them and they were not helpful at all.

    This post will help: How to Report Bad Credit Card Processors


  • Merritt Gault

    Absolutely awful they took money out of my account the first day of free trial and when I called in the servive eas absolutely horrendous I spoke with a gentleman named Gladimir from extension 1139 and he was not only rude but he kept repeating something that I asked him not to repeat and when I asked him to expunge further options to return money that was not authorized to take he dismissed me completely I will be reporting them to the Better Business Bureau!!!

    From The Editor
    This Post Might Help: Best Payment Processors for Great Customer Service

  • This company is absolutely disgusting. They refuse to allow females access to certain services that they are the billing provider for. They are sexist. There are many people that identify as male and are going through the processes but just because they have not legally changed their sex and name they are refused services.

    From The Editor
    This Post Might Help: Best High Risk Merchant Accounts

  • Patrick Jones

    Definitely a fraudulent company, every review I’ve read is negative, and the thieving bastards stole $39 out of my account and won’t answer the phone

  • This website (cardpaymentoptions) looses all credibility with me if they give CCBill this high of a rating.

    I’m a merchant with them. Their customer support people have made COUNTLESS mistakes! Have not done what we ask and continue to amaze me at how they can mess up such simple things.

    I would NOT recommend using CCBill…

    And I wouldn’t recommend looking at this website for accurate reviews.

  • Once I have subscribed for a website and decided to end the subscription shortly, there are numerous of fraud charges to my card after that. I believe this company does given away or sells consumers’ card details to black markets. Beware of this company.

  • Michelle Wakefield

    I never signed up for this site yet I have had $29 taken out of my bank account from I tried to login but, of course, I don’t have the right login info and I requested a password change a few times and I never got one email with how to do so. I’m already broke and can’t afford useless things. It’s so frustrating!!!! I want my money back now!!!!!!!

  • Charles Barlow

    One of the worst companies I have ever dealt with. I purchased a website subscription many years ago and despite the website going down and no longer broadcasting CCBill continued to charge my account.

    I kindly notified them about the overcharge and they initially refunded four months and said that they would do research and once determined when the website went down they said they would provide another refund. They said that they would get back to me within 48 hours. The 48 hours came and went and I contacted them again asking for an update. They said that they would provide another 2 months refund and that was all that was “technically possible”. As an IT professional I know that it is not impossible to determine when a website went down so I know that they were not being honest.

    After several emails back and forth they continued to insist that they will not refund anything more than 6 months so I am going to pursue legal action.

    I would not ever do business with these people again. There is a reason why most companies choose Paypal.

  • michael bowler

    I have been billed through you for a payment of £28.28
    under the name Uzdaroji can you please tell mewhat company transaction this refers to?

  • Mary Reynolds

    I received an email stating you had paid an invoice with my credit card on file. I am not aware of anything that would pertain to that
    Please give me the information concerning this transaction
    Invoice #2918371
    $115.33 The attachmnet is not legible

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