EnablePay Overview

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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 has received fewer than 10 public complaints.
  • 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.
  • Rates & Fees: How Merchants Got The Best Rates With EnablePay

EnablePay Statement Analyzer

Find hidden fees, pricing errors, and overcharges in your EnablePay merchant account statement. Not with EnablePay? That's ok, we can find excessive fees in any credit card processing statement. We've already found $1,156,834 in hidden fees this year! Submit a recent statement to try it out for free!

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Products & Services Offered

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

Types of Businesses Served

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

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EnablePay Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-in Rate 1.00% - 4.99%
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 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.

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.

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Response from EnablePay

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EnablePay Complaints & Customer Reviews

Key Points

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 complaint volume indicates that the company employs a responsive and capable support staff that resolves complaints in-house before they are taken public.

EnablePay Lawsuits

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 Support 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.

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Response from EnablePay

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EnablePay BBB Rating Summary

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.

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Response from EnablePay

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Truth In Marketing & Advertising

Key Points

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

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.

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Response from EnablePay

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Our Opinion of EnablePay

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.

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Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so built this website to help small business owners research which service providers to use and how to save money on rates and fees. I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers here. I can help you save money with your current merchant account or help you find a new one. Message me here to get started.

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