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Can You Trust Clique Payments for Merchant Services?

Name: Clique Payments
Item: Clique Payments
Rating: 5
Author: Phillip Parker

Author: Phillip Parker

Updated: October 4, 2025

Maintained Since: June 26, 2019

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We take our role in providing guidance and education regarding the card payment industry very seriously. At our own expense, we have vigorously defended our right to continue expose unethical and predatory practices in the industry, successfully defeating every attempt to silence us. However, fending off frivolous lawsuits is costly. To sustain these efforts, one of the ways we generate revenue is through affiliate partnerships with ethical providers. This means that some of our outgoing links connect business owners to trustworthy, low-cost payment processors, which is what most of our readers seek. We see this revenue channel as a win-win-win for everyone involved. Business owners find good processors, processors get good clients, and we are able to continue to provide a valuable service to the small business community. We also recommend and link to many services that do not compensate us. Our priority is to guide you to the best solutions for your needs, regardless of potential revenue. If you have questions, please feel free to contact us.

All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.

Clique Payments

Rating

5/5

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Note: As of 2023, the Clique Payments website is down. The status of the company is currently unclear. We will continue monitoring the situation, and if you have any information about whether Clique Payments is still in business, please let us know in the comments below.

Overview

Clique Payments provides credit card processing and merchant services designed for businesses of various sizes. This review will cover the company’s main offerings, pricing structure, contract terms, and customer feedback. We’ll discuss the transparency of their fees, the responsiveness of their customer support, and overall client satisfaction. By the end of this article, you’ll have a clear understanding of what Clique Payments offers and whether their services are the right fit for your business’s payment processing needs.

About Clique Payments

Founded in June 2017, Clique Payments is a software development company and merchant account provider that provides seamless payment processing integration with accounting software. In 2021, Clique Payments was acquired by Atlantic-Pacific Processing Systems. It appears Clique Payments may have been fully absorbed by APPS.

Screen Capture of Clique Payments Homepage — Clique Payments Homepage

Products & Merchant Services

Payment Processing with QuickBooks, FreshBooks, and Xero

Clique Payments offers integrated payment processing solutions that work seamlessly with popular accounting software like QuickBooks, FreshBooks, and Xero. This integration allows businesses to streamline their financial operations, ensuring that payment data is automatically synced with their accounting records, which can reduce manual entry errors and save time.

Payment Gateways

Clique Payments supports a variety of payment gateways, including CardConnect, USAePay, WorldPay, (link unavailable), NMI, and Stripe. These gateways enable businesses to process transactions securely and efficiently, providing flexibility in choosing the payment processing platform that best suits their needs.

Customer Reviews & Sentiment

Positive Reputation

We couldn’t find any negative Clique Payments reviews, suggesting that the company maintains a positive reputation and is unlikely to be a scam or ripoff. Despite its relatively short time in operation, Clique Payments has upheld a clean complaint record, indicating ethical business practices. This absence of complaints reflects well on the company’s commitment to customer satisfaction. If you have any feedback on Clique Payments, please share it in the comments below.

Legal Standing

There are no outstanding class-action lawsuits or FTC complaints against Clique Payments. Clients with grievances can consider reporting their concerns to the relevant supervisory organizations.

Customer Support

Clique Payments provides multiple customer support channels, including a service form, chat, email support, and a phone number on their website. While it may not meet the standards of the top-rated payment processors for great customer service, it appears to adequately serve the needs of its clients at present.

Industry Scores & User Ratings

No BBB Profile

The Better Business Bureau does not maintain a profile for Clique Payments at this time. We therefore will not factor a BBB rating into this review.

Processing Rates & Fees

Variable Contract Terms

Clique Payments promotes interchange-plus pricing on its website. Available for $40 per month through the Intuit app store, Clique Payments doesn’t charge transaction fees for the first 99 payments each month. A $0.10 fee is applied from the 100th transaction onward. While partnering with CardConnect, Clique Payments doesn’t require its users to switch payment processors, allowing clients to maintain their existing pricing models instead of adopting CardConnect’s terms.

CardConnect’s contract terms aren’t publicized on its site, but reports have indicated contracts up to five years, with a monthly PCI compliance fee of $8.25, potentially high early termination fees (as much as $750), and various monthly charges. Some recent complaints have mentioned an annual fee of up to $288, charged retroactively. CardConnect’s standard application lists a monthly minimum fee of $25, a statement fee of $5, and a PCI non-compliance fee of $19.95 per month.

Virtual Terminal and Payment Gateway Pricing

Clique Payments also features virtual terminal and payment gateway services on its website. The company utilizes several gateways, including CardConnect, USAePay, WorldPay, Authorize.Net, PayPal, NMI, and Stripe. Additional costs, such as gateway fees, technical support fees, batch fees, and transaction charges, vary based on the chosen payment gateway.

No Red Flags

There are currently no complaints specific to Clique Payments’ pricing. This absence of dissatisfaction suggests that clients are content with their pricing. Given the variety of potential contract types through CardConnect, businesses are advised to thoroughly understand their contracts and be alert to unfavorable terms. Readers are also recommended to explore our selection of the top merchant accounts for more options.

Employee Reviews & Sales Practices

Outside Sales Team

Clique Payments appears to outsource its merchant services marketing to referral partners like CardConnect. We have not found any Clique Payments reviews that mention deceptive conduct. In general, this compares favorably to our list of the best credit card processors. However, CardConnect has received dozens of complaints related to misleading rate quotes from independent sales agents. For now, we will assume that Clique Payments does not directly engage in unethical sales tactics, but merchants should be aware of CardConnect’s reputation.

No Deceptive Rate Quotes

Clique Payments does not list any misleading rate quotes or unrealistic guarantees in its official marketing materials. If you suspect that a Clique Payments sales agent has misled you about your rates, you can double-check your monthly bill with a third-party statement audit.

Clique Payments Competitors

Compare Clique Payments to competitors that earned top marks.

Pricing

Bottom Line

Clique Payments rates as a reliable credit card processing provider. The company maintains a clean complaint record despite its close affiliation with CardConnect. However, detailed information about Clique Payments’ pricing and fees remains scarce, so prospective clients are encouraged to inquire about the full terms before committing. FreshBooks users should compare Clique Payments’ pricing with that of other top payment processors integrated with FreshBooks to ensure they secure the best value and service.

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Contact Clique Payments

Contact & Customer Support
CEO	Abe Maghaguian
Headquarters	3676 Fiddler LN, Bethpage, NY
Local Office	(217)-636-4706
Website	clique.center

About Us

CardPaymentOptions.com

Established 2009

My name is Phillip Parker, and I started this website back in 2009 as a simple blog to call out shady credit card processors that were taking advantage of small business owners. At the time, I had no idea this side project would grow into a leading voice pushing for transparency and integrity in the payment processing industry. I also didn't anticipate just how far some of these companies' owners would go to try to silence me.

I was recruited out of college for a sales role with a credit card processor. At the time, I didn't realize the “training” was really about tricking me... into selling business owners expensive processing with hidden fees and long-term service agreements. In my first few sales, I unknowingly cost friends and family thousands of dollars after they trusted me to switch their services. When it finally clicked that something was seriously wrong, I was furious. I quit immediately and made a promise to expose that company and any others operating the same way. That promise is what led to the creation of this website.

As I wrote about these processors, their tactics, and the people behind them, the articles started to spread among business owners. News organizations picked up the stories, readers shared them online, and traffic to the blog took off. Unsurprisingly, that also caught the attention of the companies and individuals I was exposing.

Over the last 17 years, I've received several anonymous death threats and defeated four lawsuits meant to intimidate me into taking my blog down. Their efforts to muzzle me only made my determination to expose them even stronger, leading me to work with state authorities to help shutdown some of the worst offenders.

I'm proud to say that of the millions of people who have read my work, thousands have taken the time to write and thank me for helping them narrowly avoid a very costly mistake. This blog has played a small role in pushing the industry toward more ethical practices - but there are still bad actors out there, which means the work isn't done.

If I can offer one piece of advice, it's this: get every promise in writing, and take the time to review contracts carefully. Tools like ChatGPT can help surface red flags and uncover expensive surprises buried in the fine print.

If you've made it this far, thank you for reading. I truly appreciate you being here, and I wish you every success with your business.

Our Research Methodology

Pricing & Fees

We analyze all costs including rate structures (interchange-plus, tiered, flat-rate, etc), monthly fees, equipment costs, early termination fees, and hidden charges. This data is gathered from service agreements, statements and client feedback.

Features & Technology

Evaluation of POS systems, e-commerce integrations, mobile capabilities, reporting tools, recurring billing..., and developer resources. When possible, we directly test services and hardware. Otherwise, we rely on client feedback and public information.

Customer Support

We evaluate availability across phone, email, chat, and social channels. Measuring hold times, night and weekend availability, and client feedback regarding effectiveness, professionalism, and resolution rates.

Contract Terms & Conditions

We review service agreements and equipment contracts for reasonability, transparency, and fairness. We focus on uncovering any predatory clauses, such as unjustified early termination fees, hidden costs, and unclear cancellation policies.

User Experience

We comb the internet and interview current and former clients to evaluate the overall user experience and identify any common pain points that may impact the user experience.

Sales & Marketing Practices

We evaluate sales tactics, marketing materials, and client feedback to determine the level of transparency and ethical nature of the provider's approach. Does the provider publicly disclose pricing? Do they use teaser rates? We score based on these and other factors.

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