Connect Pay Merchant Services Review

Connect Pay Merchant Services Overview

Connect Pay Merchant Services May Have Overcharged You

If you accepted credit cards through Connect Pay Merchant Services 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.

High Risk Specialists

Connect Pay is a merchant account provider that serves both standard and high risk business types. The company distinguishes itself from its competitors by openly advertising that it can process payments for CBD vendors and other extremely high risk industries.

Connect Pay Merchant Services Location and Ownership

Connect Pay Merchant Services is headquartered at 24052 Cottage Cir Dr, Santa Clarita, California 91354, and does not publicly list its partner banks. Melvin Butters is the founder of Connect Pay Merchant Services.

Connect Pay Review Table of Contents

  • Costs & Contract: Connect Pay offers variable contract terms depending on each merchant’s business type, location, and processing history. The company relies on multiple gateway partners for e-commerce services, including Authorize.Net, USAePay, NMI, and Inovio, among others.
  • Complaints & Service: Connect Pay has received fewer than 10 public complaints.
  • BBB Rating: Connect Pay does not have a profile with the Better Business Bureau.
  • Sales & Marketing: Connect Pay 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 Connect Pay
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Products & Services Offered

  • Debit and credit card processing
  • Card-present payment acceptance
  • Online payment processing
  • ACH processing

Types of Businesses Served

  • Retail
  • E-commerce
  • MOTO
  • CBD
  • Firearms
  • High risk

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Connect Pay Merchant Services Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%+
Keyed-In Rate 1.00% - 4.99%+
Virtual Terminal Rate 1.00% - 4.99%+
Payment Gateway Fee Up to $25 Per Month
Batch Fee Up to $0.10
Early Termination Fee Variable
PCI Compliance Fee Variable
Equipment Lease Terms Variable

Connect Pay Contract Terms

There is no publicly available information about the standard Connect Pay contract, but it’s likely that the company’s pricing will vary from merchant to merchant. It is entirely possible that standard-risk merchants could pay monthly minimum fees, PCI compliance fees, and early termination fees through the company.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Connect Pay also dedicates a portion of its website that advertises its virtual terminal and payment gateway services. The company lists multiple gateway partners, including Authorize.Net, USAePay, Inovio, and NMI. Authorize.Net includes a monthly gateway fee of $25 and a batch fee of $0.10. However, pricing will depend on which gateway provider a merchant utilizes,

Higher Risk, Higher Fees

The CBD industry is currently as high risk as they come, which means that payment processors who serve CBD merchants often charge high rates, require six-month rolling reserves, and enforce very strict chargeback limits. Hemp merchants who opt to work with Connect Pay should therefore expect more restrictive pricing and contract terms than standard-risk merchants usually receive.

No Red Flags

We cannot find any complaints about Connect Pay’s contract terms, which suggests that most of its users are satisfied. CBD and hemp merchants, however, should not expect Connect Pay’s pricing to compete with the cheapest merchant accounts. If you have any information about the standard Connect Pay agreement, please share it in the comment section below.

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Response from Connect Pay Merchant Services

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Connect Pay Merchant Services Complaints & Customer Reviews

Key Points

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

Clean Complaint Record

We are currently unable to locate any Connect Pay complaints, and there is no evidence to suggest that the company is a ripoff or a scam. This clean complaint record may be due to the short amount of time that the company has been operational. Low complaint totals are uncommon in the high risk space, as these types of processors typically rack up complaints about fund holds or cancelled accounts.

Connect Pay Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Connect 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.

Connect Pay Support Options

Connect Pay only provides a a general-purpose phone number on its website. This falls short of our expectation of top-rated payment processors for great customer service.

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Response from Connect Pay Merchant Services

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Connect Pay Merchant Services BBB Rating Summary

No Profile Available

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

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Response from Connect Pay Merchant Services

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Truth In Marketing & Advertising

Key Points

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

In-House Sales Team

Connect Pay appears to market itself primarily through web advertising and referrals. There is no evidence that the company hires independent sales agents, and we have seen no Connect Pay complaints that mention deceptive sales conduct or misleading rate quotes.

No Rate Quotes

The Connect Pay website does not list any misleading rate quotes or unrealistic guarantees. For now, we don’t see any reason to warn merchants against Connect Pay. However, if you believe that the company has misrepresented itself to you, you can double-check your monthly bill with a third-party statement audit.

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Response from Connect Pay Merchant Services

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Connect Pay Merchant Services Logo

Our Opinion of Connect Pay Merchant Services

A Viable Option for CBD and Hemp Vendors

Connect Pay rates as a solid credit card processing option for CBD merchants at this time. The company is uncommonly forward about its ability to serve hemp and CBD vendors, which suggests that it has reliable banking partnerships for handling these types of transactions. Our rating will be subject to change as we receive more feedback about this company.

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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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