Ensight Merchant Services Review

Ensight Merchant Services Overview

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Founded in 2007

In operation since 2007, Ensight Merchant Services (ensightmerchantservices.com) is a merchant account provider that serves retail, e-commerce, and wireless merchants. There is some evidence that Ensight relies on First Data for its processing services.

Headquarters and Ownership

The company is headquartered at the address 494 Route 17 N, Suite 2B, Paramus, New Jersey 07652. Brian Fuchs is listed as the president of Ensight Merchant Services, Inc., which is a registered ISO of Wells Fargo Bank, N.A., Walnut Creek, California.

Ensight Merchant Services Review Table of Contents

  • Costs & Contract: Ensight Merchant Services appears to offer contract terms that will vary depending on each merchant’s business type and processing history.
  • Complaints & Service: Ensight Merchant Services has received fewer than 10 public complaints.
  • BBB Rating: Ensight Merchant Services has an “A+” rating with the Better Business Bureau and has received one complaint in the past three years.
  • Sales & Marketing: Ensight Merchant Services appears to hire independent sales representatives but has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Ensight Merchant Services

Ensight Merchant Services Statement Analyzer

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Products & Services Offered

Types of Businesses Served

  • Retail
  • MOTO
  • Mobile
  • E-commerce

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Ensight Merchant Services Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-in Rate 1.00% - 4.99%
Early Termination Fee Variable
PCI Compliance Fee Variable
Equipment Lease Terms Variable

Ensight Merchant Services Pricing

At this time, there is not a great deal of verifiable information available about the standard Ensight contract. The company’s possible partnership with First Data means that it could resell First Data contracts, and the rate quote mentioned on the company’s website seems to indicate that the company promotes tiered pricing rather than interchange-plus pricing. However, the company is not showing any publicly available complaints that mention its rates and fees, so it seems that most merchants are satisfied with their contract terms.

Variable Contract Terms

Ensight’s use of independent resellers and its apparent partnership with a large processor mean that its contract terms are likely to vary based on the agent servicing the account and a merchant’s business type, size, and time in business. We have seen no indication that Ensight Merchant Services’s pricing competes with the cheapest merchant accounts. If you have any knowledge of the standard Ensight Merchant Services contract, please leave that information in the comment section of this review.

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Response from Ensight Merchant Services

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Ensight Merchant Services Complaints & Customer Reviews

Key Points

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

Low Complaint Total

As of this update, we are able to locate a single Ensight complaint, and it does not accuse the company of being a scam or a ripoff. The sole complaint, which appears in the comment section of this review, cites frustration with hard-to-reach customer service. Aside from this incident, it would appear that the company does a great job of resolving merchant complaints in-house. However, it is possible that the company’s partnership with First Data means that merchants will deal with First Data’s customer service rather than Ensight’s, and as a result, merchants might direct their comments to First Data’s online profiles.

Ensight Merchant Services Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Ensight Merchant Services. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Ensight Merchant Services Support Options

Ensight offers a dedicated 24-hour customer support phone line and live agent chat on its website, but it’s unclear whether these lines of communication are serviced by in-house support staff or another company. These channels are currently not sufficient to qualify Ensight as a top-rated merchant account provider for customer service. Given the fact that the company has received so few public complaints in over ten years of operation, we are awarding Ensight an “A” in this category.

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Response from Ensight Merchant Services

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Ensight Merchant Services BBB Rating Summary

Key Points - BBB

Product & Service Complaints 0
Billing & Collection Complaints 1
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Under 10 Complaints

Ensight Merchant Services is not an accredited business of the Better Business Bureau and currently maintains an “A+” rating. The company has received one complaint to its BBB profile in the past three years, and this complaint was related to a billing or collection dispute. The complaint was either resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant.

An “A” Rating

At the time of an earlier update, the BBB assigned Ensight an “F” rating and cited the company’s “unauthorized use of BBB name or trademarks” as the only factor lowering its score. Ensight has since removed all improper mentions of the BBB from its website, and the BBB has deleted its accusations about the company from its profile. Given the company’s low complaint total in the length of time that it has had a BBB profile as well as the resolution of improper BBB mentions, we feel that the BBB’s current grade is appropriate. Merchants should note, however, that there are good reasons to be skeptical of the BBB’s rating system.

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Response from Ensight Merchant Services

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Truth In Marketing & Advertising

Key Points

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

Independent Sales Agents

Ensight appears to employ independently contracted sales agents and ISOs to market its services. This is a common industry practice that makes it difficult for a company to regulate the behavior of its sales force. In the case of this company, however, we were unable to locate any negative Ensight Merchant Services reviews that mentioned deceptive behavior by sales agents.

Misleading Rate Quote

The home page of the company’s website quotes “rates as low as 0.35%” without any further elaboration. This rate is likely the company’s “Qualified” rate for debit transactions, and the page makes no mention of the “Mid-Qualified” and “Non-Qualified” rates that merchants will pay for the vast majority of their transactions. We consider this type of rate quoting to be deceptive, as it may give merchants an unrealistic expectation of the effective rate they will pay. This is a common marketing tactic in the credit card processing industry, and Ensight is therefore awarded an average grade of “B” in this category. If you suspect that Ensight Merchant Services is charging you undisclosed fees, we recommend seeking an independent statement audit to spot hidden charges.

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Response from Ensight Merchant Services

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Ensight Merchant Services Logo

Our Opinion of Ensight Merchant Services

Solid Option for Most Standard-Risk Merchants

Ensight Merchant Services rates as a better-than-average merchant services provider according to our rating criteria. Despite a lack of information about the company’s contract terms and some deceptive rate quoting on its website, the credit card processor is showing only one complaint across all consumer protection websites. Merchants are still encouraged to carefully scrutinize the terms of any contract they are given, to compare its pricing to the top overall providers, and to aggressively negotiate contract terms.

We rely on your feedback about Ensight Merchant Services to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

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

My Qualifications

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 decided to build this website to help you research which 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. Simply scroll to the top of the page to find the search bar. You can also message me if you need any guidance.

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4 Reviews Leave Your Review for Ensight Merchant Services Below

  1. Bill Groome says:

    Closed my account with Ensight Merchant Services on Oct 9th 2018. My bank account was debited every month through March 2019. I had to send numerous emails to get refunded back the money they stole. The refunds were short. Ensight promised to send a check for the shortage, but Ensight never sent the check. Guess they felt entitled to my money, or deserved a tip. Hey Ensight…It was my money, not yours. You lied, you stole, and were unresponsive. I feel bad for anyone that decides to do business with you. Still waiting on what you owe me.

    This post will help: Cancelling a Merchant Account Without Paying a Fee


  2. Vanessa says:

    I am super happy with Ensight’s knowledge, professionalism and ability to contact.

    1. Phillip says:

      Hi Vanessa,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  3. Vincent Lizotte says:

    Very dissatified with their customer service. I’ve left several phone messages with out any reply. They have been charging my a monthly fee with no activity for 13 months without any inquirey as to what’s up. My sales agent is not available to help me out and I can’t get intouch with Ensight!! I just want to cancel my account!! I don’t know how they are getting an “A” rating as you can’t rate them anywhere in this review. Hummmm

    From The Editor
    This Post Might Help: How To Get Out of a Merchant Account Contract

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