EnablePay Direct Inc. (enablepay.com) 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. According to the company’s website, EnablePay’s main office is located at 820 Willis Ave., Suite 2B, Albertson, New York 11507. 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 Products and Services

  • Debit and credit card processing
  • EBT acceptance
  • Gift and loyalty programs
  • ACH processing
  • Online payment gateway
  • Wireless processing


  • Retail
  • Mobile
  • E-commerce
  • Petroleum
  • Grocery

Sales & Marketing

Key Points - Sales & Marketing

Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms No

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 negative EnablePay reviews that mention unethical conduct by the company’s sales team. 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.


Costs & Contract

Key Points - Costs & Contract

Swiped Rate Variable
Keyed-in Rate Variable
Early Termination Fee Variable
PCI Compliance Fee Variable
Equipment Lease Terms Variable

There isn’t a great deal of publicly available information about the standard EnablePay 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. 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. 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.


Complaints & Service

Key Points - Complaints & Service

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

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 complaint volume indicates that the company employs a responsive and capable support staff that resolves complaints in-house before they are taken public. The company’s website lists dedicated phone, fax, and email contact information for its customer service staff.



Key Points - BBB

Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
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.

As of this review, EnablePay is not accredited with the Better Business Bureau, and the company has no current rating with the BBB. There have been no customer complaints or informal reviews filed with the BBB in the last 36 months regarding EnablePay or its services. The BBB states that the primary factor preventing EnablePay from receiving a score is a lack of sufficient information on the company. Given the company’s spotless complaint record, we have adjusted the BBB’s grade to an “A” for the purposes of this review.

EnablePay Logo

EnablePay Bottom Line

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 assigns it a rating.

Phillip Parker is a former merchant services agent turned small business advocate and the author of "Fee Sweep," which teaches merchants how to dramatically lower their processing rates, eliminate junk fees, and avoid fine-print scams. He founded CardPaymentOptions.com to help merchants enact positive change in the credit card processing industry. Schedule a Consultation with Phillip

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