Overview is a merchant account provider that appears to operate as either a subsidiary or an ISO of iPayment. The company’s homepage describes it as “an iPayment company,” so it is likely that exclusively offers iPayment contracts. states that it was founded in 1998 (although it’s possible that the company is simply using iPayment’s founding date) and claims to serve over 153,000 merchants. Ryan Mirpanah is listed as the director of sales at The company is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, California, and is headquartered at 30721 Russell Ranch Road Suite 200, Westlake Village, California 91362.

Key Points

  • Sales & Marketing: hires independent sales agents and has received a low-to-moderate number of complaints about its sales practices.
  • Costs & Contract: appears to offer a month-to-month contract through iPayment with no termination fees.
  • Complaints & Service: has received more than 25 public complaints.
  • BBB Rating: has an “A+” rating with the Better Business Bureau and has received 64 complaints in the past three years.
  • Rates & Fees: How Merchants Got The Best Rates With Products and Services


  • Retail
  • Mobile
  • MOTO
  • E-commerce
  • Restaurant

Response from

Are you with Add your own voice here!


Sales & Marketing

Key Points - Sales & Marketing

Employs Independent Resellers Yes
Advertises Deceptive Rates Yes
Discloses All Important Terms No appears to market itself through the use of independent sales agents, traditional advertising, search engine marketing, and a referral program. The use of independent agents is typically linked to elevated complaint rates for a company (with iPayment being a prime example), and in the case of, we have found a low-to-moderate number of complaints related to the sales experience. Complainants specifically mention hidden fees and higher-than-quoted rates.’s relatively low sales complaint total is unexpected for a company so closely linked to iPayment, but its complaint rate over the past two years is beginning to catch up to its parent company’s reputation.

We have located ads in both Google search results and on one of the company’s landing pages claiming that “rates start at 0.35%.” This rate is likely the company’s Qualified debit rate, but it makes no mention of the Mid-Qualified and Non-Qualified rates that merchants will pay on most debit and credit card transactions. We consider this type of rate quoting to be deceptive, as it could give merchants an unrealistic expectation of the rates they will pay. In fact, this type of quote seems to contradict the language on the company’s “Rates and Fees” page, which states that although “most merchants want to immediately know the exact rates and fees they will incur,” the company’s sales agents “are extremely well trained and they know that a ‘one size fits all’ approach is absolutely not in the best interest of our merchants.” For this reason, merchants are advised to not make any decisions based solely on rate quotes displayed in the company’s advertising.’s use of “teaser” quotes has lowered its grade in this category, and the rising number of complaints about its sales practices has further lowered it to a “C.”

Response from

Are you with Add your own voice here! Marketing Example


Costs & Contract

Key Points - Costs & Contract

Swiped Rate Variable
Keyed-in Rate Variable
Early Termination Fee None
PCI Compliance Fee $99 Per Year
Equipment Lease Terms Variable

According to merchant complaints, the standard contract is an agreement through iPayment that can be cancelled at any time with no early termination fee. Complainants have described many various fees through the company, including a $99 annual PCI compliance fee, a $7.95 monthly gateway fee, a $5 monthly statement fee, a variable monthly minimum fee, and a tiered pricing plan with rates that vary from merchant to merchant. Most complaints about the company’s contract terms are related to unexpected monthly fee increases and fund holds. Complaints of this nature usually indicate an issue with agent nondisclosure regarding costs and fraud prevention at the point of signing, and we would typically lower a company’s score for this reason. However,’s lack of an early termination fee helps to limit merchants’ risk and enables them to exit a contract if they are dissatisfied.

Response from

Are you with Add your own voice here!


Complaints & Service

Key Points - Complaints & Service

Total Online Complaints 25+
Live Customer Support Yes
Most Common Complaint Hidden Fees

We have located more than 25 negative reviews, some of which specifically accuse the company of being a ripoff or scam. Most complainants report hidden fees or nondisclosure of the full pricing schedule. There are also a few complaints that mention issues with fund holds, claiming that their accounts were flagged shortly after they began processing and their payments were frozen for up to 90 days. It’s possible that the company’s close affiliation with iPayment has resulted in iPayment receiving some complaints intended for, but in the absence of any evidence that this is happening, we will not factor this possibility into this review. The company’s website only provides a contact form for customer support, but merchant complaints indicate that there is a live support phone line for merchants who require assistance.

Response from

Are you with Add your own voice here!



Key Points - BBB

Product & Service Complaints 25
Billing & Collection Complaints 35
Advertising & Sales Complaints 4
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria. currently has an “A+” rating with the Better Business Bureau and has been accredited since December 2013. The company is showing 64 complaints in the past three years (20 of which came in the past year), with 35 due to billing and collection issues, 25 related to product and service problems, and four due to advertising or sales issues. Sixteen complaints have been resolved to the satisfaction of the merchant, while the remaining 48 complaints either were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant. The company’s BBB profile has also received 81 positive reviews and 17 negative reviews, although it should be noted that these reviews are not subject to verification. In light of the company’s moderate complaint rate and poor resolution ratio, we have adjusted the BBB’s rating to a “C.”

Response from

Are you with Add your own voice here! Logo Bottom Line rates as an average credit card processor according to our rating system. Although the company is closely linked with iPayment, a poorly rated provider on, its lack of an early termination fee and low overall complaint rate make it a decent option for some business owners. Even so, merchants are encouraged to ask about all rates and fees and to shop competitively for a merchant account provider whenever possible.

Phillip Parker is a former merchant services sales agent who believes the industry has been overrun by people who engage in fraud and deception in order to steal from hard working business owners. He created this website to help you avoid the bad players, save money on fees, and to get peace of mind with your merchant account. If you would like to help support his work, learn more about our cost reduction service. We can evaluate your statement, tell you exactly how much you're overpaying, and then help you dramatically reduce your fees with your current credit card processor. Looking to switch instead? See our list of the best merchant account providers.

Schedule a Consultation with Phillip

27 Reviews Leave Your Review for Below

    Eliminate hidden fees and mistakes without switching merchant accounts. Get a free statement audit today to see how much you are overpaying.

  1. Joshua says:

    I had a terrible experience with this company. After being assured by their representative this would be the most effective way for me to process credit card payments for my small business, I found myself pay a ton of hidden fees. I ended up paying $97.11 in fees for the $280 credit card transaction I processed in November, 2018. The customer service is awful, and wait times often exceeded 20 minutes. Upon closing my account they refused to refund me any of these hidden fees.

    From The Editor
    This Post Might Help: Best Merchant Accounts for Cleaning Services

  2. Anonymous says: is the worst company I have dealt with in the 21 years I’ve been in business. They allow third party companies to charge you for services you never asked for . My processing rate went from 1.37% to over 6 % . PCI scans every 3 months is a joke . Something always go wrong so they can charge you a late fee . Plus it’s a real hassle. Plus the PCI annual fees . Not to mention all the monthly fees . Now I’m in the process of canceling. They have to email you a form to fill out and then ask you to fill it out . Of course after I filled it out two days later I still haven’t heard anything I called and was told they didn’t receive it . After I got upset he found it after a 5 minute hold . He said sorry it will take a little bit longer. I said more then 2 days to cancel an account? He said yes . I should have left a long time ago the first time I say $30 extra dollars being taken out of my account.

  3. Eliminate hidden fees and mistakes without switching merchant accounts. Get a free statement audit today to see how much you are overpaying.

  4. mike says:

    Despite filling out an ACCOUNT CLOSURE form like I was instructed my bank account keeps being debited each month.

    Customer service lies and deceives you will they rack up monthly charges on your bank account.

    How this company can continue to be in business is beyond me, they should all be jailed

    F Grade dishonest, liars, lack ethics and good faith

    1. Michael Aquino says:

      Agreed. They did the same exact thing to me!! The fact that they are so unwilling to refund ANY amount of $ is a crime. I hope they go bankrupt.

      From The Editor
      This Post Might Help: Cancelling a Merchant Account Without Paying a Fee

  5. Alejandro says:

    BEWARE! These guys are scam artists! They lure you into signing up with them offering you really good deals making you think that they’re a really competitive card processing company out there, however, you’ll find unexpected surprises whenever your account is charged excessive and undisclosed fees.
    I signed up and asked the sales rep. multiple times what I would end up paying if I processed X amount of money in a month, he broke it down to me and it all made sense, after the money got deposited they still charged me an undisclosed and unauthorized $200 + amount.
    I tried disputing it with them and they were obviously not helpful at all and refused to refund this money, so I took it to my bank and since they use an ACH system, they are able to get away with this theft because banks usually have a 1 business day windw to dispute any ACH transactions. I was unfortunately out of the country and couldn’t do anything but let them steal from me.
    I’m warning you hardworking people out there, avoid these scammers!

  6. Eliminate hidden fees and mistakes without switching merchant accounts. Get a free statement audit today to see how much you are overpaying.

  7. Dan S. says:

    Avoid and iPayment, Inc. They are thieves and will deny any wrong doing on their part, not to mention, outright lie to you right over the phone. They will charge fees for something you never asked for then refuse to refund anything unless you persistently demand it, like everyday. Which is an ordeal and such a headache. The customer service, customer relations dept, and management is absolutely terrible. I can’t imagine how many other customers were ripped off by unknown fees and when they found out tried getting a refund by this crappy company.
    Both and iPayment, Inc (an ISO of Wells Fargo bank) fraudulently opened a second account without our permission back in April of 2016 which they had been charging fees on. The fees were ranging from about $35 to over $120 which I thought was for our physical in store terminal. We opened the account on May, 2014 with Brian Maloney (senior sales consultant) and he was the only person I contacted for questions or info about our account. Brett Erickson (#03313-063) at creditcardprocessing opened this fraud account without our knowledge, and there were no calls, emails, or letters from this person to open an account. I have called Brett and left a voicemail but never heard back from him, nor several other sales people at I also called the “sales manager” who told me her name was “Sarah” who verbally promised me that she would investigate by looking up a recorded phone call that I had wanted a 2nd account opened (ridiculous) would call me back in 24 hours. I never heard back from “Sarah”. So I called back and the customer service rep told me that there is no “Sarah in this building, the sales manager is named Kim Nemet” So this Kim Nemet just lied to me by giving me a fake name and never doing what she said she was going to do. Also, no one else there wants to investigate what has happened. They immediately deny everything and blame the customer. They don’t seem to get that an account fraudulently opened isn’t a big deal. Is these companies you want to trust with your money??

  8. md. says:

    overcharged several months more than what was in the contract agreement, after i called they said it was for a specific service (which i did not enroll in). I asked them to remove that service and they said they would credit for those months but they never did. After a few months they began over charging again other bogus fees and again they said they would credit those fees but i have never seen those credits. I have cancelled their service but after cancelling, they continued to bill us for the merchant service.

  9. Eliminate hidden fees and mistakes without switching merchant accounts. Get a free statement audit today to see how much you are overpaying.

  10. FRANK NASSER says:

    I was very dissatisfied with Credi CardProcessing and caution any small business owner to do due diligence before subscribing to the service. Startup was complex, tedious and full of legalese. The cost of operations far exceeded our expectations do to hidden charges, mostly nonqualified card fees. Trying to cancel the service was equally complex and tedious. I am still unable to obtain a finishing invoice despite receiving a dunning notice for final charges (which I don’t know what they are, because I don’t have the final invoice). Throughout the cancellation process and the request for a final invoice, Customer Service has been unhelpful and somewhat untruthful.

  11. I feel like I made a big mistake, everyone was polite and professional in the beginning but after the sign up process everything changed. I got questioned for asking questions. I called the risk department because I wanted to make sure there was complete transparency with me and credit card processing and I asked them. When do you guys usually hold funds and for what reasons ? This is my business and I have the right to call in as many times I feel necessary if I feel uncomfortable, or for whatever reason at all. The agent immediately says “my question to you is, what makes you inquire on something like that” I was in shock. The way the agent said it, it was almost as if I was the bad guy for asking questions. I then tell then answer the agents question politely and professionally and also mention that my sales agent told me to call and ask questions. Then I ask the agent am I not allowed to ask you questions ? The agent then says sarcastically well I’m allowed to answer questions too. And then puts me on hold and transfers me to someone else. The sales agent promised me in the beginning that everything was verified and that there wouldn’t be any sudden holds on my account but shortly after I get a notification that all of my transactions are now suspended and need to be verified. My sales agent then tells me that it is apart of the process and they need to verify a new business. The sales agent should have mentioned that to me when I asked priori to me signing up and I wouldn’t have even bothered. These sales agents will beat around the bush and not be transparent with you and when you’re signed up communication is little-none. I’m disappointed in my business decision. They asked me to send documentation on the transaction and I did and then I started getting asked more questions. Why did you send us a ID of a customer who paid ? (Sales rep told me that I should and that it would make it look more legitimate because I’m using a virtual terminal) Why is your DBA name Moving Services ? Who are you ? How long you been in business ? Have you had a processor before ? I ANSWERED ALL THEAE QUESTIONS IM THE FIRST PLACE BEFORE GETTING APPROVED NOW I HAVE TO GET APPROVED AGAIN AND HAVE MY FUNDS HELD FOR 2-5 days? They don’t message you after getting approved they message you when your scheduled to get a deposit of your funds to then look for any reason to hold your monies. I then told them I feel a little uncomfortable because credit card processing has a lot of complaints online they tell me we been in business since 1987 or somewhere around that time frame I did my research and that’s a LIE thgey have been inn business for about ten years. I told a agent at risk department and said that that have certain complaints that scare me they laughed and said well people are going to complain whenever there funds are held . Almost as if it was amusing to hold someone else’s hard earned money . I don’t know what the end result is I sent documentation I sent info and I’m waiting for a answer. But this company does not make you feel welcomed at all when you call. Be prepared to feel like a criminal everytime you call. And they will make you feel uneasy and very nervous. I feel like I’m about to be ripped off

  12. Eliminate hidden fees and mistakes without switching merchant accounts. Get a free statement audit today to see how much you are overpaying.

  13. Ashlie Voerg says:

    DO NOT GIVE THESE PEOPLE A CHANCE!!!! Them or iPayment! They are absolutely horrible!! They held $3,000 of my money until their risk department spoke with 5 of my customers to make sure the transactions were legit! I get that they want to do a risk but there is other ways to go about doing this. The 5 customers are my regulars and it killed me that I had to bug them about this! They then cancelled my account so I couldn’t login while fighting them to release my money. Thank goodness I took pictures of all the tranactions before they locked me out of the app so I had some sort of proof! I’m still out $300 that I’m sure I will never see. They won’t call or email me back and charged me a withdraw and ledger fee? No clue what that’s for and of course I haven’t gotten an explanation. RAY in Risk Management is a horrible person (to put it midly). He basically told me that he doesn’t care if I call him to complain because he hears these complaints everyday all day. He said that it’s no sweet off his back and that I need to have backup funds in order to run a business just incase something like this ever happens!! Really, Ray?!? There are so many other things that happend but I don’t have time to write them all out. AGAIN, NEVER TRUST OR GO WITH THESE GUYS!!!

  14. Carlos Ruiz says:

    This company is HORRIBLE!! Don’t sign up with them it took me months to try and close an account with them. They are incompetent and very negligent, it’ seems they are trying to reach quota and don’t care about you afterwards. This is “company” is a disgrace, wasted my time and money.

  15. Eliminate hidden fees and mistakes without switching merchant accounts. Get a free statement audit today to see how much you are overpaying.

  16. Heather says:

    RUDE and UNPROFESSIONAL. I called for their pricing structure. Ultimately I decided to go with a different company. When I told the sales guy that contacted me, he sent me back a rude email basically telling me that I’m going to get ripped off and when I do to call him… um… NO!

    He ended all of his emails with the tagline, “Cheers!”… I didn’t know we were going out for drinks, I thought I was requesting information about credit card processing for my business.

  17. Dustin Johnson says:

    Absolutely horrific experience! The customer service is awful. Be prepared to wait a month for anything to happen, after sitting on hold for 20 minutes at time, over multiple calls. Everything goes through a terrible chain of command, therefore you are subject to tremendous delays. Sales reps are deceitful. I was made to think that I would be paying under 2% fee for credit card transactions; at the bottom of 1 email i received, there was a note about “high risk credit cards” incurring an addition 2%… What they don’t tell you is that nearly 100% of credit cards will be deemed high risk! I’ve been trying to close my account for over two weeks now, and they keep coming up with reasons why they can’t close my account…awful company, awful experience, horrible waste of time and money.

  18. Eliminate hidden fees and mistakes without switching merchant accounts. Get a free statement audit today to see how much you are overpaying.

  19. Hardworking Customer says:

    We run a health care business and have been using for roughly 3 years to process credit card payments. Our income from credit card payments is 10 to 20 k per month. The biggest issue with this company is they do not give you a peace of mind! We have to watch them closely EACH MONTH through the monthly statement for the additional fees or rate (qualified, midqual, nonqual) increase they try to sneak up on us – something we did not agreed upon when signing up services with them. In the 3 years we are with, they’ve done that relentlessly. To give them credit, typically if you call Customer Services they would refund the additional fees or restore the rate. If you want to use them, prepare to make those calls often. We are seriously thinking of leaving them.

  20. Margaret C says:

    Thieves. Do NOT use them. They will rape your account. They are immoral heartless robots.

  21. Eliminate hidden fees and mistakes without switching merchant accounts. Get a free statement audit today to see how much you are overpaying.

  22. Richard .M says:

    I run a non-profit for the homeless. First off they required me to open 5 accounts to run 10 swipers. Later I found that I only needed two accounts to do that. I opened these accounts for 2 fundraisers over a 30 day period. Today I went to close the accounts and was informed that I opened two accounts up for 3 year contracts and have to pay a $350.00 early termination fee on both….total scumbags. Of course there are no notes on the accounts during the opening process. Never again…

  23. Teresa says:

    This is a horrible company. I started with them March of this year. They didn’t get me the terminals on time. They have been over charging me for terminals that aren’t being used. It took them 60 days to credit me and still have not credited me the correct amount. and now, because I got rid of two terminals they charged my account and I can no longer access the iAcess website, I have been calling for 2 weeks and no one can get it right!!! they have the wrong email for me and refuse to change it!!! I am soooo done with this company. I will be canceling immediately….DO NOT USE THEM!!!!

  24. Eliminate hidden fees and mistakes without switching merchant accounts. Get a free statement audit today to see how much you are overpaying.

  25. Steve Crowder says:

    Worst company I have dealt with, lie to you at every turn. Takes forever on hold to get ahold of customer service. RUN,RUN,RUN, FAST, did not know how well I had it with Elavon.

  26. david barlow says:

    horrible company to do business with. rates our not what they quoted and when you try to cancel they will keep billing you $32.95 a month. run as far as you can from these guys. customer service if you do get someone is the worst. nothing but attitudes

  27. Eliminate hidden fees and mistakes without switching merchant accounts. Get a free statement audit today to see how much you are overpaying.

  28. Paul Yost says:

    Not too thrilled with it taking OVER a WEEK to get me a new terminal when it died in warranty. There backup for these situations is pretty sloppy and non-existent. I am stunned how ridiculous the whole process is and amount of time its taking, I know it would not be this long if they were in my position!

  29. Richard Adams says: has the worst costumer service and rudest costumer service. I have sent numerous emails, faxes, and letters to cancel my account and even had email as well as verbal acknowledgement and yet for 5 months the continue to bill me and charge my bank. Each month I spend 2 to 3 hours on the phone with their very rude and uncooperative customer service trying to resolve this issue.

  30. Eliminate hidden fees and mistakes without switching merchant accounts. Get a free statement audit today to see how much you are overpaying.

  31. Alden Treadway says:

    I have never been more unsatisfied with a service that I am paying plenty for. Once approved, I immediately ran into contradictions. The percentage taken out of each transaction was much higher than what was agreed upon and initially discussed with my representative. After trying to contact him for days, I finally got in touch with his supervisor, who told me “he is a sales person and doesn’t have time to return my calls”, even though I had a scheduled phone call with him (F++ customer service). I then noticed that transactions I was making were not being deposited into my account. Even worse, this company is STILL taking money out of my account while withholding MY money from me. I have been hung up on multiple times. I have been trying to speak with anyone who can help me on the phone for 4 days in a row to attempt to resolve this issue. I have only spoken to one person who told me “his hands are tied”. Please, please DO NOT DO BUSINESS WITH THIS COMPANY. At this point I am convinced it is a scam.

  32. Don’t be tricked into signing with this company. There are hidden fees, and my fees change every month. Can’t get any help from the operators concerning the matter, and there very rude. I am also in a contract with them and can’t get out of it unless i pay a fee.

    Are you with Learn how to resolve this complaint.

  33. Eliminate hidden fees and mistakes without switching merchant accounts. Get a free statement audit today to see how much you are overpaying.

  34. Steve Crowder says:

    Signed up with Mytro, worst after the sale service ever. Took them a week longer than they promised to send machine, charged my account before anything was used or received still not up and running and no one will call back. Am going to turn over to my attorney to handle. Don’t walk away from this company, run fast.

  35. Nate says:

    They lied about the price. When I signed up I got a bill for 5x the price quoted. Plus it took them 6 weeks to get me the card reader, when they said I could get it by the end of the first week.

  36. Eliminate hidden fees and mistakes without switching merchant accounts. Get a free statement audit today to see how much you are overpaying.

  37. Bill Johnson says:

    I tried to cancel service 3 times with Roy Bondurant” [email protected]
    back in feb 2015 and twice in march. He said “he would take care of it. I have NEVER used this service.
    They have been whacking me for $32.95/ea month since jan 2015 when I signed up a trial period.
    Today I noticed I am still being charged monthly fees!
    This company is a RIP OFF SCAM ALERT

  38. Corey D says:

    Sign-up and account approval is quick and easy, that’s where the “Pros” end. Prior to signing up I spoke in detail to their representative about fees and charges associated with the use of their products to ensure I had a good understanding. Unfortunately I found out I was completely mislead. To my dismay within about a month I was charged over $114 in various fees. I immediately called the company and explained this to them. Their representative was not even able to explain all of the fees they charged me yet I still had to pay them. I immediately canceled.

Leave a Review for

Your email address will not be published. Required fields are marked *

Please do not use profanity or ALL CAPITAL LETTERS in your review. Reviews must provide a detailed account of your experience. By submitting a review or comment to CPO, you are agreeing to our Comment Policy.