Connect Pay Merchant Services Review

Connect Pay Merchant Services Overview

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High Risk Specialists

Founded in January 2019, 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.
  • 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

Connect Pay Merchant Services Statement Analyzer

Find hidden fees, pricing errors, and overcharges in your Connect Pay Merchant Services merchant account statement. Not with Connect Pay Merchant Services? That's ok, we can find excessive fees in any credit card processing statement. We've already found $1,156,834 in hidden fees this year! Submit a recent statement to try it out for free!

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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%+
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.

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.

We rely on your feedback about Connect Pay Merchant Services 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

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so built this website to help small business owners research which service providers to use and how to save money on rates and fees. 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 here. I can help you save money with your current merchant account or help you find a new one. Message me here to get started.

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