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Is Convenient Payments a Trustworthy Processor?

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

Author: Phillip Parker

Updated: October 4, 2025

Maintained Since: October 22, 2015

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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.

Convenient Payments

Rating

5/5

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Note: As of early 2023, it appears that Convenient Payments has rebranded as IntelliPay.

Overview

In this review of Convenient Payments, we provide a detailed look at the company’s credit card processing services. We’ll cover the full range of their offerings, including point-of-sale (POS) systems, mobile payment options, and e-commerce solutions. This review will also outline which types of businesses may benefit most from their services. In addition, we’ll analyze customer and client reviews to highlight common feedback, trends, and areas of concern. We’ll examine Convenient Payments’ pricing, contract terms, and available features to give you a clear understanding of what to expect. By the end of this review, you’ll know whether Convenient Payments is the right fit for your business’s payment processing needs.

About Convenient Payments

Founded in 2012, Convenient Payments is a Draper, Utah-based merchant account provider that is capable of serving most standard-risk business types. The company also does business as IntelliPay, a Salt Lake City, Utah-based credit card processor.

Products & Merchant Services

Payment Processing

According to its website, Convenient Payments offers merchant services such as credit and debit card processing to government entities and businesses in various sectors, including education, property management, non-profit, medical, and dental industries. They also provide ACH/ECheck transactions, which can be conducted in person, over the phone, online, or via their automated recurring payment module. A key feature of their service is the ability to add service and convenience fees to payments, and they offer a proprietary suite of software to support these functions.

Customer Reviews & Sentiment

Clean Complaint Record

Our search for negative Convenient Payments reviews has yielded no significant results, suggesting that the company is likely reputable and not involved in scams or fraudulent activities. Convenient Payments lists a phone number on its website; however, it is not specified whether this number is for customer support or general inquiries. The company seems to offer after-hours support through its backend processor, though detailed information about its customer support operations is not explicitly mentioned on the website.

Convenient Payment Lawsuits

No significant class-action lawsuits or FTC complaints have been identified against Convenient Payments. Merchants with unresolved issues are encouraged to consider reporting their experiences to relevant supervisory organizations as a non-litigious approach to seeking resolution.

Capable Support Team

Convenient Payments appears to effectively handle most complaints internally before they become public. This proactive approach to customer service has earned it an “A” rating. However, it should be noted that Convenient Payments is not currently ranked among the top payment processors for customer service. Such evaluations are subject to change, and this assessment may be updated in response to new customer reviews and feedback.

Industry Scores & User Ratings

Online Ratings Summary
PaymentPop	5
BBB	N/A

PaymentPop Rating for Convenient Payments

Negative Feedback

There are no negative reviews published about Convenient Payments on the PaymentPop website.

Positive Feedback

Getting started with Convenient Payments was quick and straightforward. Their team guided us through the setup, answered all our questions, and made sure the system worked well for our specific needs. It’s been reliable, easy to manage, and user friendly for both staff and families.

No BBB Profile

The Better Business Bureau does not maintain a profile for Convenient Payments at this time. As a result, we will not factor a BBB rating into this review.

Processing Rates & Fees

Convenient Payments Terms and Conditions

Currently, specific details about Convenient Payments’ standard contract are not publicly disclosed. The absence of this information on their website, coupled with a lack of merchant feedback mentioning particular rates or fees, makes it challenging to understand the company’s pricing structure. According to the company’s website, it offers traditional pricing models, convenience fee pricing where customers cover transaction fees, and a “service fee” pricing that promises a “$0 cost processing solution.” The exact workings of the “service fee” pricing model remain unclear, as the company does not provide details on its implementation.

Virtual Terminal and Payment Gateway Pricing

Convenient Payments highlights its virtual terminal and payment gateway solutions on its website but does not specify their pricing. Expectedly, additional fees, such as gateway fees, technical support fees, batch fees, and other transaction-related charges, apply to these e-commerce services.

No Pricing Complaints

In the absence of detailed information on Convenient Payments’ processing partner or comprehensive contract terms, it’s hard to set precise expectations for merchants considering their services. Nonetheless, the lack of complaints concerning the company’s pricing indicates a general merchant satisfaction with the financial terms offered. While it’s possible Convenient Payments provides competitive rates, the specifics remain uncertain. Merchants or individuals with insight into Convenient Payments’ contractual details, including any early termination or PCI compliance fees, are encouraged to contribute this information in the comments section to aid others in making informed decisions.

Employee Reviews & Sales Practices

Mixed Sales Approach

Convenient Payments appears to primarily market its services via traditional advertising, strategic partnerships, and an in-house sales team. It’s possible that the company also employs independently contracted sales agents, but we cannot find any Convenient Payments reviews related to its sales agents at this time.

No Red Flags

As a result, we will assume that the company typically discloses all relevant terms and fees. This is supported by the fact that the Convenient Payments website does not advertise any deceptive rate quotes or unrealistic guarantees. If you suspect that Convenient Payments is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden charges.

Convenient Payments Competitors

Compare Convenient Payments to competitors that earned top marks.

Pricing

Bottom Line

Convenient Payments is regarded as a reliable merchant services provider based on the information available. Notably, the company has maintained a spotless record, with zero complaints reported across consumer protection forums. This impressive feat underscores a commitment to customer satisfaction and operational integrity. However, a lack of publicly disclosed pricing details raises questions regarding transparency. Without a clear understanding of fees and terms upfront, merchants may find it challenging to assess the company’s offerings against their specific needs and financial constraints.

Merchants should exercise due diligence when entering into agreements with Convenient Payments. Carefully reviewing the contract terms and thoroughly understanding all fees and obligations is essential. Comparing these details with those of other top-rated processors can provide valuable insights, ensuring merchants receive the most favorable terms possible. Even when dealing with “A” rated providers, a comprehensive comparison will help merchants navigate the complexities of the payment processing landscape, ensuring they select a solution that aligns with their business goals and financial health.

Read Actual User Reviews

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All user reviews have been moved to our partner, PaymentPop.com

Contact Convenient Payments

Contact & Customer Support
CEO	Casey LeLoux
Address	12884 Frontrunner Blvd, Suite 220 Draper, UT
IntelliPay Customer Service	855-872-6632

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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