Certain Pay Reviews & Complaints
Elavon Reseller Founded By Heartland and Clearent Veterans
Launched in March 2019, Certain Pay is a merchant account provider that serves most standard-risk business types. The company's founders were formerly employed by Heartland Payment Systems and Clearent, but Certain Pay does not disclose whether it is partnered with either of those companies. Its website does indicate that it is associated with Elavon, making it an Elavon reseller.
Certain Pay Payment Processing
Certain Pay does not give a lot of information about its services, but it appears to focus on credit and debit card processing for small businesses. They also offer website storefront building, loans, a rate tracker for their rates, an affiliate program, and PCI compliance.
Certain Pay Location & Ownership
Certain Pay is a registered ISO/MSP of U.S. Bancorp. Certain Pay is located at 5145 Brecksville Rd. Richfield, OH 44286. Marshall Lowy is listed as the founder of the company while Adam Niec was listed as a co-founder. According to Lowy, Niec is no longer involved with Certain Pay.
Certain Pay Customer Reviews
Here's What Their Clients Say
Total Online Complaints | <10 |
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Live Customer Support | No |
Most Common Complaint | N/A |
No Public Complaints
Currently, there are no notable negative Certain Pay reviews accessible, and there’s no suggestion that the company is fraudulent or deceitful. The absence of a Certain Pay complaint record might be partly attributed to the company’s relatively recent entry into the market. Although Certain Pay has garnered a number of positive testimonials, the authenticity of such feedback is often scrutinized since testimonials can be artificially generated. Reliable public feedback on Certain Pay’s services may become more prevalent over time. We encourage you to share your Certain Pay review in the comments section below.
Certain Pay Lawsuits and Fines
No outstanding class-action lawsuits or FTC complaints against Certain Pay have been identified. However, it’s important to note that the company’s generic name can make specific information challenging to locate. Merchants looking for non-litigious resolution options with Certain Pay are advised to consider reporting their experiences to appropriate regulatory bodies.
Certain Pay Customer Service Options
Certain Pay provides contact options including a phone number, email, and a contact form on their website.
A single Certain Pay customer service number is available:
(440) 759-0123 – General Customer Service
Certain Pay also offers dedicated email support at [email protected], along with a support form on its website.
These customer service initiatives are a positive step, though they may not yet align with the standards set by top-tier payment processors known for exceptional customer service.
Certain Pay Online Ratings
Here's How They Rate Online
No Profile Available
The Better Business Bureau currently does not maintain a profile for Certain Pay. We therefore will not factor a BBB rating into this review.
Certain Pay Fees, Rates & Costs
A Closer Look at The Contract
Swiped Rate | 1.00% - 4.99% |
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Keyed-In Rate | 1.00% - 4.99% |
Early Termination Fee | Variable |
PCI Compliance Fee | Variable |
Equipment Lease Terms | Variable |
Variable Contract Terms
Currently, there is no detailed information available to the public regarding the standard Certain Pay contract, nor have there been merchant reviews specifying Certain Pay’s fees or terms. Being relatively new to the market, Certain Pay might be in the process of finalizing its pricing strategy, potentially offering customizable pricing plans to accommodate the unique needs of each merchant. It’s conceivable that Certain Pay may adopt standard contracts from established entities like Heartland or Clearent with certain alterations. Until more information becomes available through official contract details or merchant testimonials, it’s crucial for businesses to thoroughly examine all contract specifics before committing. For broader options, merchants can explore our curated list of the top merchant account providers.
No Red Flags
As of now, there have been no complaints found regarding Certain Pay that highlight issues with excessive fees or unfair contract conditions. Businesses looking to ensure they are getting a competitive deal are advised to compare Certain Pay’s offerings with those of the most affordable merchant accounts available.
Certain Pay Employee Reviews & Sales Tacitcs
Should You Work For Them?
Employs Independent Resellers | Unknown |
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Advertises Deceptive Rates | No |
Discloses All Important Terms | No |
Inside Sales Team
Certain Pay currently appears to market its services exclusively with an in-house sales team, but it is possible that the company also hires or intends to hire independently contracted sales agents. We are unable to locate any negative Certain Pay reviews that accuse the company of nondisclosure or misrepresentation. This compares favorably to our list of best credit card processors. If you suspect that Certain Pay is overcharging you, then you can double-check your monthly bill with a third-party statement audit.
No Misleading Quotes
Certain Pay does not post any misleading rate quotes or unrealistic guarantees on its website. Although the company is still very new, it does not appear to be engaging in the type of deceptive tactics that are typical of the industry.
Our Certain Pay Review Summary
Our Final Thoughts
A Good Option
There are no major red flags regarding the company’s sales approach or contract terms, but merchants will want to review all contractual documentation carefully before signing up. The company appears to be a good option for most merchants, though they are very new to the space. For now, merchants are encouraged to compare Certain Pay’s contract terms to those offered by the top-rated overall merchant accounts.
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Sam
They are using clover devices as a form of cash discount! Unfortunately it is a book keeping nightmare and not a compliant program! The company itself isn’t horrible but would never recommend using them for cash discount.