EnablePay Review


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EnablePay Overall Rating

Last Updated: January 31, 2014

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EnablePay Overview

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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, the company also enables merchants to accept EBT, WIC, electronic gift cards, loyalty programs, electronic checks and more from customers. In addition, EnablePay offers several e-commerce payment gateway solutions. EnabIePay 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.

EnablePay Sales & Marketing Tactics | A+

EnablePay appears to market its services primarily through its website. 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.

EnablePay Costs & Contract Terms | A

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 rate 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. 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.

EnablePay Complaints & Service | 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.

EnablePay BBB Report | A (CPO Adjusted)

As of this review, EnablePay is not accredited with the Better Business Bureau (BBB), and the company has no current rating with the BBB. There have been no customer complaints 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.

Bottom Line

EnablePay rates as a reliable merchant account 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.

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