Credit Card Processing 2023: Reviews & Complaints Logo Rating
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image of a phone image of a phone that changes when your mouse hovers over it (415) 691-4688 View Pricing

Company Overview

Founded in 2012, is a merchant account provider that specializes in processing international payments for e-commerce businesses. According to the pricing section of its website, the company offers merchants interchange-plus , or flat-rate pricing options. The company is similar to Stripe or 2Checkout in that it bundles its payment gateway with a merchant account as part of an all-in-one software solution. was originally known as “Opus Payments” before changing its name to in April has partnered with a number of other businesses, including Mamo, Alchemy Pay, and NetEase Games. It has also purchased ubble, ProcessOut, Icefire, and Pin Payments.

Article Summary

Before we dive in, here’s a short summary of what we’ll cover:

  •’s various payment processing services.
  • The company has received few complaints.
  • The company’s contract is not among the cheapest in the industry but is about average and potentially good for international businesses. Payment Gateway

The company supports payments in 150+ currencies with around 18 different payment methods, including alternative payment methods such as digital wallets like Apple Pay and Google Pay. They also boast quick payouts, risk scoring, fraud protection, e-commerce solutions, and data reporting and analytics.

Subscription Payment Processing

For businesses with recurring payment models, offers a secure and easy-to-use subscription payment processing service. This service can support various international markets by accommodating major credit and debit cards for mobile payments.

Mobile Payments caters to the mobile payment needs of customers across international markets. Their service supports transactions through all major credit and debit cards, ensuring businesses can process mobile payments efficiently​.

Payout Services

They offer payout services which can be leveraged as a competitive advantage for businesses. This service provides a range of features that help to expedite the process of getting funds to customers, including card and bank payouts​​.


To fight fraud and maintain compliance, offers flexible 3D Secure authentication which works across all your acquirers and is integrated as part of the platform​.

Card Issuing Services

Businesses looking to launch and manage their own card program can utilize’s issuing services. This service enables the creation of custom cards, earning a share of interchange revenue and simplifying the card program management process​.

Fraud Detection

Their fraud detection service helps to strike a balance between fraud prevention and approval rates, with a highly customizable fraud management tool that adapts to business needs​.

Intelligent Acceptance’s Intelligent Acceptance service aims to maximize conversion rates and lower transaction fees. It employs sophisticated AI, leverages’s global data network, and offers deep payment expertise to optimize the payment acceptance process​.

Identity Verification

Their Identity Verification service is built to fight fraud and accurately identify users with a fast verification experience. This service is designed to convert identity verification into a competitive advantage for businesses​.

Global Processing and Coverage

With, businesses can process payments worldwide in over 150 currencies and have domestic coverage in over 45 countries. This global reach is facilitated by their Unified Payments API which provides a flexible, fast, and reliable solution for payment processing​. (

E-commerce Payment Gateway

Their e-commerce payment gateway technology is consistent across all markets, aiding businesses in converting more sales and reducing payment processing costs. This service is available in over 150 countries, supporting diverse payment methods and domestic processing with expert support from teams on the ground​.

Location & Ownership has multiple offices throughout the world, but its headquarters is at Wenlock Works, Shepherdess Walk, London, N1 7BQ, and its U.S. mailing address is at 251 Little Falls Drive, Wilmington, DE 19808, United States. Guillaume Pousaz is the founder and CEO of

Table of Contents

  • Costs & Contract: Offers interchange-plus pricing under month-to-month contracts with…
  • Complaints & Service: Has received fewer than 15 public…
  • BBB Rating: Has no rating with the Better Business Bureau and has received…
  • Sales & Marketing: Does not appear to hire independent sales agents and has not received any complaints about its… payment gateway offers a powerful online payment gateway Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Item Result
Total Online Complaints 12
Live Customer Support No
Most Common Complaint N/A
Recent Lawsuits

Low Complaint Total

We are currently able to locate around 10 negative reviews, and there is no indication that the company is a ripoff or a scam. The available complaints about the payment processor mention difficulty with account activation, unreachable email support, fund holds, and prohibitively high costs for very small merchants. They appear to be isolated issues and do not indicate a widespread issue at the company. If you have your own review to make, please do so in the comments below. Lawsuits

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

For its part, offers an email form, a knowledge base, and phone numbers on its website, but it is unclear whether any of these lines of communication put clients directly in live communication with a representative. The client complaints about slow email responses suggest that email is the company’s primary mode of customer support. At this time, is not qualified as a top-rated credit card processor for customer service. Customer Service Numbers

  • (415) 691-4688 – U.S. Support
  • +44 207 323 3888 – Headquarters/UK Support

Other Support Options Online Ratings

Here's How They Rate Online

Online Ratings Summary
Item Result
BBB Reports 1

No BBB Complaints currently has no rating with the Better Business Bureau. The company has received 0 complaints in the past three years.

What Merchants Say has received 1 informal review to its profile, which is negative. The 1 review is from a former employee who claims they were never paid for their work:

I worked for Chekout for 6 weeks, I never recieved a pay check from them.

This appears to be an isolated incident.

An “A” Performance

In light of the company’s complaint total and resolution ratio, we have adjusted the BBB’s grade to an “A”.However, we will caution merchants against blindly trusting the grades that the BBB assigns. Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Item Result
Cancellation Penalties No
Monthly & Annual Fees No
Processing Rates Interchange +
Equipment Leasing No

Straightforward Pricing

According to the company’s merchant agreement, offers a month-to-month contract with no early termination fee, no monthly fees, and no other fees besides its per-transaction pricing. Every user is eligible for the company’s flat transaction pricing, which charges 0.95% plus $0.20 for European cards and 2.90% plus $0.20 for non-European cards. Businesses that qualify for the Enterprise plan based on their sales volume and history will receive a per-transaction fee of interchange plus 0.10%-0.40% plus $0.08. These prices are comparable to the company’s competitors and require very little commitment from clients.

Prohibited Businesses does have an extensive list of prohibited business types that readers should be sure to read before signing up. The company has received a handful of online complaints, and it seems likely that the majority of these are related to account deactivations and violations of its prohibited business policies.

A Poor Choice For Small Merchants

A few available merchant comments about have mentioned that the company’s screening process and pricing make it a poor fit for very small companies, so new or low-volume businesses may want to check with the company before signing up. Though not included in our list of the cheapest merchant accounts, appears to offer an integrated, international payment processing solution for a fair price. prohibited businesses

The list of business types does not allow Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Item Result
Uses Independent Resellers No
Telemarketing No
Misleading Marketing No
Discloses All Important Terms Yes

No Deceptive Conduct appears to utilize its website and conventional advertising to market its service. There is no evidence that the company relies on a team of independent sales agents, and we are unable to find any reviews that accuse the company’s sales team of deceptive conduct. Like its competitors, must appeal to developers as well as clients and therefore is less focused on using low price points to attract new users.

Interchange-Plus Pricing

There are no misleading rate quotes on the website, and the company even offers interchange-plus pricing, which is the most transparent pricing model available. This sets it apart from its U.S.-based competitors, which typically offer a flat per-transaction fee such as 2.9% plus $0.30, and it should be attractive to businesses that prefer to know exactly what they pay for. If you suspect that is charging you undisclosed fees, we recommend seeking a third-party statement audit to eliminate hidden costs.

Our Review Summary

Our Final Thoughts rates as a reliable credit card processing provider for international e-commerce businesses. The company may have some shortcomings when it comes to customer service and very small businesses, but its overall product offering appears to be fairly priced compared to competitors. Readers are encouraged to review the company’s list of prohibited businesses before signing up for a account and to compare its contract costs to those of top-rated e-commerce merchant account providers.

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