Clique Payments Overview

Clique Payments May Have Overcharged You

If you accepted credit cards through Clique Payments 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.

Payment Processing With Accounting Integrations

Founded in June 2017, Clique Payments is a software development company and merchant account provider that provides seamless payment processing integration with accounting software. Clique Payments can be used for integrated payment processing with QuickBooks, FreshBooks, Xero, and other accounting and invoicing tools. The company also advertises multiple payment gateways including CardConnect, USAePay, WorldPay, Authorize.Net, PayPal, NMI, and Stripe.

Clique Payments Location and Ownership

Clique Payments lists its address as 3676 fiddler LN, Bethpage, NY. Much of the marketing copy on the company’s website is written in broken English, which may indicate that the company’s operations are based offshore. Syed Musab is listed as the CEO of Clique Payments.

Clique Payments Review Table of Contents

  • Costs & Contract: Clique Payments offers variable pricing through CardConnect, NMI, WorldPay, and other payment gateways.
  • Complaints & Service: Clique Payments has received fewer than 10 public complaints.
  • BBB Rating: Clique Payments does not have a profile with the Better Business Bureau.
  • Sales & Marketing: Clique Payments does not hire independent sales agents and has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Clique Payments
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Products & Services Offered

Types of Businesses Served

  • Retail
  • E-commerce
  • B2B
  • B2G

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Clique Payments Rates, Fees, and Costs

Key Points

Swipe Rate Interchange + $0.10 (After 100th Transaction)
Keyed-in Rate Interchange + $0.10 (After 100th Transaction)
Virtual Terminal Rate 1.00% - 4.99%
Payment Gateway Fee Up To $25 Per Month
Batch Fee Up To $0.10
Transaction Fee $0.10 (After 100th Transaction)
Monthly App Fee $40
Early Termination Fee Up To $750
PCI Compliance Fee $8.25 Per Month
PCI Non-Compliance Fee $19.95 Per Month
Monthly Minimum Fee $25
Annual Fee $288

Variable Contract Terms

The company’s website [rominently advertises interchange-plus pricing. Clique Payments itself costs only $40 per month through the Intuit app store and does not charge any transaction fees for the first 99 payments per month. It applies a $0.10 transaction fee to the 100th transaction and any additional transactions in a given month. Due to the company’s partnership with CardConnect, it is likely that its standard merchant account contract is similar to the standard CardConnect contract. However, Clique Payments does not require its users to switch payment processors, so merchants are free to keep their current pricing rather than switch to CardConnect.

CardConnect doesn’t disclose its contract terms on its website, but we have seen reports of contracts up to five years, a PCI compliance fee charged each month for $8.25, high early termination fees (up to $750) and other monthly fees. Recent complaints mention an annual fee of up to $288 that is applied retroactively at the end of the relevant year. A copy of the company’s standard application (available below) also 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

In addition to its storefront payment processing services, Clique Payments also dedicates a portion of its website that advertises its virtual terminal and payment gateway services. The company relies on multiple payment gateways by processing payments through CardConnect, USAePay, WorldPay, Authorize.Net, PayPal, NMI, and Stripe. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services. However, those additional rates and fees depend on which payment gateway a merchant utilizes.

No Red Flags

We cannot find any Clique Payments complaints related to the company’s pricing, and there’s no reason to believe that the company’s merchants are dissatisfied with their pricing at this time. It is possible that Clique Payments offers a wide range of potential contract types through CardConnect, so merchants should understand how to spot undesirable terms in their contract.

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Response from Clique Payments

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Clique Payments 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 Clique Payments reviews, which is a good sign that the company isn’t a ripoff or a scam. Clique Payments has been active for less than three years, but it is a positive sign to see that it has maintained such a clean complaint record. We will interpret this lack of merchant complaints as evidence that the company is operating ethically.

Clique Payments Lawsuits

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

Clique Payments Support Options

Clique Payments does not list any dedicated support contact information on its website. This falls short of the minimum level of service that we expect from top-rated payment processors for great customer service, but it appears to serve the company’s merchants well for now.

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Response from Clique Payments

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Clique Payments BBB Rating Summary

No Profile Available

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.

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Response from Clique Payments

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms No

Outside Sales Team

Clique Payments appears to outsource its merchant services marketing to referral partners like CardConnect. We have not found any Clique Payments sales complaints that mention deceptive conduct. 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.

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Response from Clique Payments

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Clique Payments Logo

Our Opinion of Clique Payments

A Solid Option for QuickBooks Integration

Clique Payments rates as a reliable merchant services provider according to our rating criteria. The company enjoys a clean complaint record despite its close affiliation with CardConnect. However, merchants should be aware that we have not found detailed information about the company’s pricing and fees. We will continue to monitor the company and update this review as needed. For now, FreshBooks users should be sure to compare Clique Payments’s pricing to that offered by other top payment processors for FreshBooks.

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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.

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