Certain Pay Overview

Certain Pay May Have Overcharged You

If you accepted credit cards through Certain Pay or any other credit card processing company between 2017 and 2019, recent changes to the law may entitle you to refunds of certain debit card and credit card processing errors and overcharges. See this post to find out if your were among the businesses affected and to learn how you can get your money back.

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.

Certain Pay Location and Ownership

Certain Pay does not provide the identity of its acquiring bank or its address for the public. Adam Niec is the founder of Certain Pay.

Certain Pay Review Table of Contents

  • Costs & Contract: Certain Pay offers variable contract terms depending on each merchant’s business type and processing history.
  • Complaints & Service: Certain Pay has received fewer than 10 public complaints.
  • BBB Rating: Certain Pay does not have a profile with the Better Business Bureau at this time.
  • Sales & Marketing: Certain Pay does not appear to hire independent sales agents and has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Certain Pay
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Products & Services Offered

Types of Businesses Served

  • Retail
  • Mobile
  • E-Commerce

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Certain Pay Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-In Rate 1.00% - 4.99%
Early Termination Fee Variable
PCI Compliance Fee Variable
Equipment Lease Terms Variable

Variable Contract Terms

There is no publicly available information about the standard Certain Pay contract, and we are unable to locate any merchant feedback that mentions specific fees or terms. As a very new company, it is possible that Certain Pay is still working out its basic pricing plan and is willing to customize its pricing for each merchant. It is also possible that it offers the standard Heartland or Clearent contract with some modification. Until Certain Pay provides its contract documentation or begins to generate public reviews, merchants are encouraged to diligently review all contractual documents.

No Red Flags

We are unable to locate any merchant complaints that mention excessive charges or unreasonable contract terms from Certain Pay. Merchants who are concerned about their bottom line are encouraged to compare Certain Pay’s pricing to that offered by the cheapest merchant accounts.

Are you happy with your Certain Pay fees? Tell us about them before your go!

Response from Certain Pay

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Certain Pay Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support No
Most Common Complaint N/A

No Public Complaints

We are unable to locate any negative Certain Pay reviews at this time, and there is no indication that the company is a ripoff or a scam. This clean complaint record is almost certainly a product of the company’s brief time in business. The company has received a large number of positive testimonials, but we do not give these much consideration because they can be easily purchased. It may be up to a year before reliable public feedback about Certain Pay begins to appear.

Certain Pay Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Certain Pay. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Certain Pay Customer Support Options

Certain Pay does not list any customer support information on its website. This falls short of our expectations of the top-rated payment processors for great customer service.

Do you have a complaint or testimonial about Certain Pay? Make your voice heard before you go!

Response from Certain Pay

Are you a representative of Certain Pay? Add your voice to this section for free!

Certain Pay BBB Rating Summary

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.

How has Certain Pay treated you? Tell us about it here!

Response from Certain Pay

Are you a representative of Certain Pay? Add your voice to this section for free!

Truth In Marketing & Advertising

Key Points

Employs Independent Resellers Unknown
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 Certain Pay complaints that accuse the company of nondisclosure or misrepresentation. 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 deceptive tactics that are typical of the industry.

Did you get what you expected from Certain Pay? Tell us why, or why not.

Response from Certain Pay

Are you a representative of Certain Pay? Add your voice to this section for free!

Certain Pay Marketing Example

Certain Pay Logo

Our Opinion of Certain Pay

No Rating Assigned For Now

We are withholding an overall rating for Certain Pay at this time due to the very small amount of time that the company has been operating. 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. We will adjust our rating as more information becomes available. For now, merchants are encouraged to compare Certain Pay’s contract terms to those offered by the top-rated overall merchant accounts.

We rely on your feedback about Certain Pay to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

Submit a Statement

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