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 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.

Key Points

  • Sales & Marketing: EnablePay does not appear to hire independent sales representatives and has not received any complaints about its sales practices.
  • 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.
  • Rates & Fees: How Merchants Got The Best Rates With 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

Response from EnablePay

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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.

Response from EnablePay

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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.

Response from EnablePay

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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.

Response from EnablePay

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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.

Response from EnablePay

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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 creates a new profile for it.

Hi, I’m Phillip Parker and I believe that the merchant account industry has been overrun by people who engage in fraud and deception in order to steal from hard working business owners. I created this website to help you avoid the bad players, save money on fees, and get peace of mind with your merchant account. If you would like to help support my work, check out my cost analysis service. I can evaluate your statement and tell you exactly how much you're overpaying for your merchant account. Get more information here.

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