CCNow Credit Card Processing 2023: Reviews & Complaints
Note: As of 2023, the CCNow website is down. It’s currently unclear what this means in relation to the status of the business. We will update as more information comes to light.
CCNow is an Iceland-based merchant account provider specializing in e-commerce solutions for small and mid-sized businesses. Founded in 1998, the company was originally headquartered in Minneapolis, Minnesota, and owned by Digital River, which sold CCNow to Snorasson Holdings in January 2013.
CCNow Payment Processing
CCNow processes most major debit and credit cards for small to mid-sized e-commerce businesses. Their services include PCI Level 1 security, e-commerce solutions including shopping carts, a free demo account, weekly payments, the ability to process 25 currencies, auction services, and marketing solutions.
With a focus on international businesses, CCNow offers support for various currencies, allowing merchants to cater to a global customer base. By enabling customers to make purchases in their local currency, businesses can provide a more seamless shopping experience, ultimately leading to increased sales and customer satisfaction.
Security is a top priority for CCNow, and they have implemented robust fraud prevention measures to protect both merchants and their customers. The company uses advanced security protocols, such as SSL encryption, to ensure that sensitive information is protected during transactions. Additionally, CCNow employs sophisticated fraud detection tools to minimize the risk of fraudulent transactions.
Shopping Cart Integration
CCNow offers seamless integration with popular shopping cart platforms, allowing merchants to easily incorporate the payment processing service into their existing e-commerce websites. This compatibility simplifies the setup process and ensures that merchants can start accepting payments quickly and efficiently.
To ensure that merchants can effectively manage their payment processing, CCNow provides comprehensive customer support. The company offers multiple support channels, including email and phone, to address any questions or concerns that may arise. By providing prompt and reliable assistance, CCNow helps merchants maintain smooth payment processing operations.
Location & Ownership
Although CCNow has moved its base of operations overseas, it appears that the company still does most of its business with U.S. merchants and converts all payments to USD by default. The company’s current processor and acquiring bank are not listed on its website. Bjorn Snorasson is listed as the CEO of Snorasson Holdings. The company is headquartered at 333 Washington Ave. North Suite 300 Minneapolis, MN.
Table of Contents
- Costs & Contract: Offers a pay-as-you-go rate of 4.9% plus $0.40 with no early termination fees and…
- Complaints & Service: Has received more than 50 public complaints regarding…
- BBB Rating: Has an “A-” rating with the Better Business Bureau but has received 1 complaint and 0 reviews in regards to…
- Sales & Marketing: Does not appear to hire independent sales representatives and has not received any merchant complaints about its…
CCNow Customer Reviews
Here's What Their Clients Say
|Total Online Complaints||50+|
|Live Customer Support||Yes|
|Most Common Complaint||Fund-holds|
Rising Complaint Total
We are currently able to locate over 50 negative CCNow reviews, some of which refer to the company as a scam or a ripoff. Some of these complaints are from 2010 or earlier and were posted by frustrated customers who purchased products from the CCNow MarketPlace. These customers complain that they paid for defective products or products that were never shipped, and they describe CCNow’s customer service department as unhelpful and possibly nonexistent. Whether existent or not, CCNow’s customer support department definitely falls seriously short of what we expect of top-rated payment processors for customer service. Interestingly, some of the client complaints filed against the company claim that CCNow unfairly sides with customers and doesn’t alert merchants to chargebacks in a timely fashion. If you have your own CCNow review to make, please do so in the comments below.
Not Ideal For High-Risk Businesses
Given the rapid increase in complaints over the past year, we have lowered CCNow’s score as a warning to high-risk businesses. CCNow also takes a slight hit for the number of complaints about fraudulent sales taking place through the company’s online marketplace. These complaints consistently cite a near-complete lack of customer service, indicating that CCNow’s MarketPlace may not be the most desirable venue for e-commerce clients.
CCNow Lawsuits and Fines
We have not found any outstanding class-action lawsuits or FTC complaints filed against CCNow. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
CCNow Customer Support Options
CCNow lists an email address and a dedicated phone number for customer support. Recent client complaints against CCNow mention fund-holds and delayed payouts, as well as difficulty resolving these issues in a timely fashion through customer support. These are obviously frustrating situations for merchants, but the fact that CCNow is a non-U.S. processor that accepts some high-risk business types makes it more prone to receiving these types of complaints. This explains these types of complaints, but, in our view, it does not excuse them.
CCNow Customer Service Numbers
- (877) 226-6977 – Toll-Free General Customer Service
- (866) 586-3784 – Client and Supplier Support
Other Support Options
CCNow Online Ratings
Here's How They Rate Online
Online Ratings Summary
Under 5 Complaints
CCNow is not an accredited business with the Better Business Bureau and currently has an “A-” rating based on 1 complaint filed within the last 36 months. This is a significant reduction from the 22 complaints found at the time of a recent review.
What Merchants Say
In addition to the 1 complaint filed on its BBB profile, CCNow has received 0 informal reviews. A previous review made an accusation of fraud:
These people are liars and thieves. I have been with CCNow since 2000 and did not have problems until a foreign company snorrason holdings acquired CCNow. Their FRAUDulent reports indicate that deposits have been made to my account for all sales made through CCNow, but no payments have been made since January 2017. They posted NO EMAIL NOTICE of cessation of service of their shopping cart/payment processing (I guess they found another means of stealing profits from hardworking small business owners) as of July 31st 2019. They do not answer the phone or reply to emails, yet their website is still soliciting signups. BEWARE ALL SMALL BUSINESS OWNERS! CCNow is FRAUD and appropriate legal action will be pursued…
Clients in these situations should review their options for providers who offer excellent customer service.
A “B” Performance Overall
Given the company’s complaint total and resolution ratio, we have adjusted the BBB’s rating to a “B”.
CCNow Fees, Rates & Costs
A Closer Look at The Contract
|Monthly & Annual Fees||None|
|Processing Rates||4.9% + $0.40|
CCNow offers different pricing plans depending on which country a business is based in. For U.S. businesses, the company charges a one-time sign-up fee of $39.95 and 4.9% plus $0.40 per transaction. The company offers a volume discount for clients whose sales exceed $50,000 per month. There are no other monthly fees, annual fees, or early termination fees. This pricing plan is unlike plans offered by most other e-commerce merchant services providers, making it difficult to draw comparisons.
More Expensive Than Competitors
The company’s per-transaction fee of 4.9% plus $0.40 is much higher than most of its e-commerce competitors, but CCNow also supports a much broader range of acceptable business types, including digital goods and auction-style sellers. Its setup fee compares favorably with Authorize.Net but is higher than services like Stripe or Braintree, which are free. We encourage business owners to check out our list of the providers of the best merchant services.
Since our last update of this review, we have received a large influx of complaints related to CCNow fund-holds. Businesses consistently report that the company has simply not paid them any money for up to a year, and the amounts that have been withheld sometimes total in the thousands of dollars. Fund-holds are not uncommon among high-risk and international credit card processors, but there appears to be a persistent issue with advance communication of CCNow’s fraud prevention policies. This has lowered CCNow’s score in this section.
Costly Terms Overall
Overall, the company’s transaction fees may make it unreasonably expensive for many standard-risk businesses. Its low-commitment contract and broad range of acceptable business types could be appealing to international, high-risk, and digital goods businesses, but a growing number of complaints suggest that the company may not even serve these sectors well.
CCNow Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Uses Independent Resellers||No|
|Discloses All Important Terms||No|
No Sales Complaints
CCNow primarily markets itself through its website and through strategic partnerships. There is no indication at this time that the company employs an in-person sales force, and we cannot find any CCNow reviews that complain of misleading or aggressive sales tactics. This compares favorably to our list of best credit card processors.
No Misleading Marketing
There is also no indication that CCNow engages in deceptive advertising in its official materials. The company provides a tool to help clients browse its transaction rates by country, and this tool appears to accurately quote the company’s fees. If you suspect that CCNow is charging you undisclosed fees, however, we recommend seeking a third-party statement audit to find and eliminate hidden charges.
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