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Is DalPay a Safe Choice for Online Businesses?

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Maintained Since: May 2, 2019

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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.

DalPay
Rating
C
3.3/5
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Pros

No sales complaints found.
Live customer support available.
Supports broad business types.
No class-action lawsuits filed.
No misleading marketing reported.

Cons

Negative customer reviews common
Frequent fund-hold complaints.
Not ideal for high-risk merchants.
High per-transaction fees (4.9% + $0.40).
Customer service often unresponsive.

Note: As of 2023, the DalPay website appears to be down. It is unclear what this means for the status of the business. We are monitoring the situation and will update as we get more information.

Overview

In this review of DalPay, an Iceland-based merchant account provider owned by Snorasson Holdings, we’ll explore its e-commerce payment solutions designed for small and mid-sized businesses, particularly in the travel sector. Closely linked to high-risk processor CCNow, DalPay has built a reputation for serving international merchants with flexible payment options. We’ll also discuss its strategic growth through acquisitions, including the purchase of CashU in 2014 and mobile payment company Handpoint in 2022, which have helped expand its global reach and mobile capabilities. This review will give you a clear understanding of DalPay’s services, focus areas, and evolving role in the high-risk payment processing industry.

DalPay Gateway vs. DalPay Retail

DalPay is divided into two organizations: DalPay Gateway and DalPay Retail. DalPay Gateway appears to exclusively focus on providing e-commerce software for airlines and travel businesses, while DalPay Retail offers international e-commerce plugins for all retail business types. Both divisions operate under the DalPay brand, but DalPay Retail is more likely to be the entity that a merchant deals with.

DalPay payment processing
DalPay offers standard payment processing services

Products & Merchant Services

Payment Processing

DalPay is a credit card processing provider offering solutions for businesses in various industries.

Payment Gateway

DalPay offers a payment gateway aimed primarily at airlines. According to their website, “DalPay Gateway, via its TPOS platform, has many years of airline payment processing experience. DalPay’s Batch Capture Service is designed for onboard sales on aircraft, ferries, and other locations where real-time authorization is not possible or desirable.”

Multi-Currency Support

DalPay’s payment processing services include support for multiple currencies. This feature allows businesses to accept payments in different currencies, facilitating international transactions and making it more convenient for customers to pay in their preferred currency.

Fraud Prevention

DalPay prioritizes fraud prevention by employing advanced security measures and adhering to industry best practices.

Virtual Terminal

DalPay provides a virtual terminal service for securely processing payments via phone or mail. This service is particularly beneficial for businesses without a physical card reader or those needing an alternative payment method for remote transactions.

Customer Reviews & Sentiment

Exploring DalPay Reviews

Our investigation has uncovered over 50 negative reviews about DalPay, with some customers labeling the service as a scam or ripoff. These grievances often intertwine DalPay with CCNow, suggesting a shared identity or operational relationship for the purpose of this analysis. A notable portion of these criticisms, dating back to 2010 and earlier, originate from customers dissatisfied with purchases made through the CCNow Marketplace, reporting issues such as defective products or failure to receive items. The customer service provided by DalPay in these instances has been characterized as lacking or entirely absent. We encourage individuals to share their personal experiences with DalPay in the comments section below.

Concerns Over Fund Holds

An increasing number of complaints have been directed at both CCNow and DalPay regarding fund holds, with some merchants reporting delayed payments extending up to a year, involving substantial sums. While fund holds can occur with high-risk and international processors, DalPay’s communication regarding its fraud prevention policies has been criticized, impacting its reputation in this area.

High-Risk Merchant Advisory

In light of a surge in complaints over the last year, particularly concerning fraudulent transactions through its online marketplace and a noted absence of customer support, DalPay’s suitability for high-risk merchants is questioned. This situation has necessitated a revision of DalPay’s rating as a precautionary measure for businesses operating in high-risk sectors.

Customer Support Offered by DalPay

DalPay facilitates customer inquiries through an online request form, a dedicated email, and phone support available from 9 am to 5 pm GMT. Notably, expedited customer service incurs a $100 fee. Feedback from merchants indicates dissatisfaction with DalPay’s handling of disputes, particularly its tendency to favor customers in chargeback situations without timely notification to merchants. The lack of responsive customer service has resulted in DalPay being viewed unfavorably compared to other merchant service providers renowned for exceptional customer support.

DalPay Contact Information

  • (888) 987 2704 – Application Hotline
  • (+354) 412 2600 – Merchant Support
  • 570305-0180 – Snorrason Holdings ehf

Alternative Support Methods

  • Online customer support form

This review incorporates SEO strategies with targeted keyphrases such as “reviews,” “review,” “complaints,” “customer reviews,” “customer complaints,” to enhance visibility and provide a comprehensive perspective on DalPay’s services.

Industry Scores & User Ratings

Online Ratings Summary
BBB RatingN/A
Trustpilot Rating2.4
Sitejabber Rating1
Our Rating3.3
Average Rating2.23

BBB Rating Analysis

DalPay as CCNow has no customer rating and a grade of “A+” based on 0 customer reviews.

Negative Feedback

There are no negative reviews published about DalPay on the BBB.

Positive Feedback

There are no positive reviews published about DalPay on the BBB.

Trustpilot Rating Analysis

DalPay has an average customer review rating of 2.4 stars on TrustPilot based on 6 customer reviews. Common themes in the complaints are hidden fees and missing money.

Negative Feedback

Scamsters. This iphoneimei.net company is tied up with scamsters and charge extra money from your credit card as hidden fees, and never returns them . Be away from paying through Dalpay.
I emailed them 13 times asking for a refund, they hardly redone back and eventually ignore. Poor customer service.
I got proof of the mail chain, if anyone is interested to go through.
Be careful and avoid this seller.
– Complaint from April 7, 2017

I Work with them as my payment processor company, for a few years.
The service was correct, although lately delays in some payments.
A few months ago they stopped offering the service to me.
They had to pay my last weeks collected and the 6 month amount reservation.
They decided to pay me the entire amount in a single payment, which they would release 6 months after the end of the service.
After 6 months…. I did not receive the money, I am waiting for 3 extra months that I still have not received my payment, total 9 months for an amount of € 460
After many emails, tickets, just only two responses … sorry we will do it as soon as we can.
I start to think money is lost….

no reply to tickets, emails.
They just steal my money.
I do not recommend working with Dalpay , at the end of your relationship you will not receive the deposit and the last weeks … Dalpay will NOT PAY your money!!
– Review from May 23, 2020

Positive Feedback

After waiting for my product since November 2014 that I ordered witch i never received , I called Dalpay and they directly refunded my money, thank you so much for excellent service!!!
– Review from February 23, 2015

Sitejabber Rating Analysis

Dalpay has an average customer review rating of 1 star on Sitejabber based on 1 customer review.

Negative Feedback

Snorrason holdings (CCNow and DalPay) took my 50.000 and don’t want to pay – all my efforts are vain, my lawyer says their privacy policy is written to allow them take the merchants’ money and never pay. I don’t know what to do…
– Complaint from April 27, 2019

Positive Feedback

There are no positive reviews about Dalpay on Sitejabber.

Processing Rates & Fees

DalPay Retail Pricing

DalPay Gateway doesn’t disclose its pricing, but DalPay Retail presents various transaction and incidental fees. Similar to CCNow, DalPay Retail applies a standard fee of 4.9% plus $0.40 per transaction and a CASHU fee of 7.0% plus $0.50 per transaction. DalPay doesn’t charge setup fees, monthly fees, batch fees, dormant account fees, or early termination fees. Additional fees include a $29 account compliance charge (refundable after account verification), a chargeback fee ranging from $25 to $50, a $10 SWIFT bank wire fee, a $15 supplier error fee, a $100 custom checkout design fee, and a $100 per hour expedited technical support fee.

Comparative Pricing

DalPay’s per-transaction fee of 4.9% plus $0.40 is notably higher than most e-commerce competitors. However, it accommodates a broader range of business types, including digital goods and auction-style sellers. While its setup fee is comparable to Authorize.Net, it’s higher than free services like Stripe or Braintree. Overall, DalPay’s pricing is less competitive than the top-rated e-commerce merchant services providers, yet slightly more costly than other offshore merchant accounts.

Cost Considerations

DalPay’s transaction fees may be prohibitively high for many standard-risk merchants. While its low-commitment contract and broad range of acceptable business types might attract international, high-risk, and digital goods businesses, an increasing number of complaints suggest it may not serve these sectors effectively. Business owners should also explore our list of the top merchant account providers.

DalPay payment processing DalPay offers various services, as shown on their website

Lawsuits & Legal History

To date, no major class-action lawsuits or FTC complaints against DalPay have been identified. Merchants seeking non-litigious resolutions to disputes with DalPay are advised to report their issues to appropriate oversight bodies.

Employee Reviews & Sales Practices

No Sales Complaints

DalPay primarily markets itself through its website and through strategic partnerships. There is no indication at this time that the company employs an in-person sales force, and we cannot find any DalPay reviews that describe misleading or aggressive sales tactics. This compares favorably to our list of best credit card processors.

No Misleading Marketing

There is also no indication that DalPay engages in deceptive advertising in its official materials. The DalPay Retail website lists a wide range of potential rates, although these DalPay rates should not be considered comprehensive. If you suspect that DalPay is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden charges.

DalPay Competitors

Compare DalPay to competitors that earned top marks.

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Bottom Line

CCNow currently rates as a below-average credit card processing provider for e-commerce businesses. Recent years have seen a sharp increase in complaints, many citing issues with fund holds. Additionally, a significant number of customers ordering through the CCNow MarketPlace have reported fraudulent transactions, further tarnishing the company’s reputation. While standard-risk businesses might still consider CCNow, high-risk merchants should approach with caution. They may face higher risks of negative experiences due to the rising complaint trends. It would be advisable for high-risk businesses to explore top-rated high-risk merchant account providers as an alternative.

Location & Ownership

Although DalPay is based at The Harbour Square Building, Hafnartorg, Dalvík, Iceland, it appears that the company still does most of its business with U.S. merchants and converts all payments to USD by default. The BBB also lists a Minneapolis address for the company at 333 Washington Ave N STE 300, Minneapolis, MN 55401. The company’s current processor and acquiring bank are not listed on its website. Bjorn Snorasson is listed as the CEO of Snorasson Holdings.

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