Note: As of 2022, the EnablePay website no longer exists, and it appears the company has no more online presence. It is unclear whether the company still exists. If you have any information, please let us know in the comments below.
EnablePay Overview
EnablePay Direct Inc. is a merchant account provider offering debit and credit card processing to businesses in the United States. Launched in 2007, EnablePay was purchased by Midland States Bancorp, Inc. in 2012.
EnablePay Headquarters and Ownership
According to the company’s website, EnablePay’s main office is located at 1201 Network Centre Dr, Effingham, Illinois 62401. EnablePay Direct Inc. is a registered ISO/MSP for Deutsche Bank AG in New York. Stephen Erickson is listed as the president and CEO of EnablePay.EnablePay Review Table of Content
Customer Reviews & Sentiment
Clean Complaint Record
We are currently unable to locate any EnablePay complaints that accuse the company of being a scam or a ripoff. In fact, there appear to be zero complaints about EnablePay across all consumer protection websites. This low EnablePay complaint volume indicates that the company employs a responsive and capable support staff that resolves complaints in-house before they are taken public. If you have your own EnablePay complaint to make, please do so in the comments below.
EnablePay Lawsuits and Fines
We have not found any outstanding class-action lawsuits or FTC complaints filed against EnablePay. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
EnablePay Customer Customer Service Options
The company’s website lists dedicated phone, fax, and email contact information for its technical support and customer service staff. Still, the available evidence does not suggest that EnablePay should qualify as a top-rated processor for customer service at this time.
Industry Scores & User Ratings
No Profile
The Better Business Bureau has removed its profile for EnablePay since our last update. This appears to be the result of EnablePay’s move from New York to Illinois, but it is impossible to know exactly why the profile was deleted and not replaced. We will not factor in a rating for this section because the BBB does not maintain a profile for EnablePay.
Processing Rates & Fees
EnablePay Contract Terms
There isn’t a great deal of publicly available information about the standard EnablePay rates or contract. The company claims to offer transparent pricing that is at or close to the interchange rates for all cards. To compensate for this loss in potential earnings, the company advertises that it collects a set monthly fee that constitutes the bulk of its profits. The amount of this monthly fee is not disclosed on the EnablePay website.
Virtual Terminal and Payment Gateway Pricing
In addition to its storefront payment processing services, EnablePay also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. However, pricing is not disclosed on either of those services. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.
No Pricing Complaints
At this time, there are no public EnablePay complaints that express dissatisfaction with the company’s contract, so we are awarding EnablePay an “A” rating for its contract terms. However, we have seen no definitive evidence that suggests EnablePay’s contract terms are competitive with the cheapest merchant accounts. If you have any knowledge of the company’s standard agreement (including any possible early termination fees or PCI Compliance fees), please share that information in the comment section of this review.
We also encourage merchants to check out our list of the providers of thebest merchant accounts.
Bottom Line
A Solid Credit Card Processor
EnablePay rates as a reliable merchant services provider according to our criteria. There is very little specific information about the company’s sales tactics and contract terms, but there are currently zero complaints about EnablePay on the usual consumer protection forums. The company’s rating may be subject to change once the BBB creates a new profile for it. For now, merchants are advised to compare the company’s pricing to top-rated merchant accounts to get the best rates.
Overall Rating
Pros and Cons of EnablePay
