EnablePay Review: Fees, Comparisons, Complaints, & Lawsuits
(866) 509-1322 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.
Founded in 2007
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 Contents
- Costs & Contract: EnablePay appears to offer flat-fee pricing that may or may not come with a multi-year contract.
- Complaints & Service: EnablePay complaints number fewer than 10 on public complaints forums.
- BBB Rating: EnablePay does not have a profile with the Better Business Bureau at this time.
- Sales & Marketing: EnablePay does not appear to hire independent sales representatives and has not received any complaints about its sales practices.
EnablePay Customer Reviews
Here's What Their Clients Say
| Item | Result |
|---|---|
| Total Online Complaints | <10 |
| Live Customer Support | Yes |
| Most Common Complaint | N/A |
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.
EnablePay Online Ratings
Here's How They Rate Online
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.
EnablePay Fees, Rates & Costs
A Closer Look at The Contract
| Item | Result | >
|---|---|
| Swiped Rate | 1.00% - 4.99% |
| Keyed-in Rate | 1.00% - 4.99% |
| Virtual Terminal Rate | 1.00% - 4.99% |
| Payment Gateway Fee | Undisclosed |
| Early Termination Fee | Undisclosed |
| PCI Compliance Fee | Undisclosed |
| Equipment Lease Terms | Undisclosed |
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 the best merchant accounts.
EnablePay Employee Reviews & Sales Tacitcs
Should You Work For Them?
| Item | Result |
|---|---|
| Employs Independent Resellers | No |
| Advertises Deceptive Rates | No |
| Discloses All Important Terms | No |
No Sales Complaints
EnablePay appears to market its services primarily through its website and through strategic partnerships with chambers of commerce, merchant associations, trade associations, institutions, non-profit societies, credit unions, and banks. It is unclear at this time whether the company employs in-house or independent sales representatives, but we are currently unable to locate any EnablePay complaints that mention unethical conduct by the company’s sales team.
This compares favorably to our list of best credit card processors.
No Deceptive Ads
EnablePay also does not appear to engage in any deceptive advertising strategies in its official materials. We therefore award the company an “A” in this category. If you suspect that EnablePay is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden charges.
Our EnablePay Review Summary
Our Final Thoughts
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.
If you found this article helpful, please share it!
About The Author
Your Comments & Reviews
How Did EnablePay Treat You?1 Responses
Leave a reply
Your email address will not be published. Required fields are marked *
Copyright
Copyright © 2023 CardPaymentOptions.com, Inc. (Digital Fingerprint: 0d38c6720f0d78a701b74d58653af608). Getting paid to re-write this page? Click here to earn a reward.
Any unauthorized copying and reproduction of the content of this page, including all meta data and computer code, is strictly prohibited. While the information in the above article is believed to be accurate as of its publish date, the author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is,” and without warranties. Any and all use of trade names and/or marks are for identification purposes only and shall not be construed as a claim of affiliation, or otherwise, with CardPaymentOptions.com, Inc. ("CPO") in any form. The sole purpose of the material presented herein is to alert, educate, and inform readers. It is not intended as legal or financial advice. We may earn revenue if you obtain services from a provider that we recommend. See this page to learn how we support our operations.
Colton Denise
I’ve been using EnablePay for my business transactions, and I couldn’t be happier with the results! It’s truly a game-changer in the payment processing world. The seamless integration with my existing systems made the setup a breeze, and now I can effortlessly accept payments from my clients. The security measures they have in place give me peace of mind, knowing that my customers’ data is well-protected.
The real-time analytics and reporting features are invaluable, helping me make informed decisions and track my business’s financial health. Customer support has been top-notch; they’re always there to assist with any questions or concerns promptly. EnablePay has streamlined my payment processes, increased efficiency, and saved me valuable time. It’s a must-have for any business owner looking to optimize their payment operations. Highly recommended!