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Formerly known as Cambridge Payment Systems, Fortis Payment Systems is a merchant account provider based in Novi, Michigan. As of 2022, it appears that the company has rebranded as FortisPay.
FortisPay Payment Processing
The company primarily focuses on providing hospitality, chiropractic, restaurant, veterinary, medical, non-profit, retail, automotive, liquor, grocery, fitness, and e-commerce merchant accounts. Fortis Payment Systems also appears to be a reseller of Elavon and other First Data (Fiserv) services.
Payment Gateway Services
FortisPay’s payment gateway services enable businesses to accept credit and debit card payments securely and easily via their website. The payment gateway is fully customizable and integrates with major e-commerce platforms such as Shopify, WooCommerce, Magento, and more.
Virtual Terminal Services
FortisPay’s virtual terminal services allow businesses to process credit and debit card payments over the phone or via email, without the need for a physical card reader. This is ideal for businesses that don’t have a storefront or need to process payments remotely.
FortisPay offers a variety of POS systems that are designed to meet the needs of businesses in various industries. Whether you’re looking for a traditional countertop terminal or a mobile POS, FortisPay has a solution that can help you process payments quickly and securely.
Mobile Payment Solutions
FortisPay’s mobile payment solutions allow businesses to accept payments on-the-go using a smartphone or tablet. This is ideal for businesses that operate in remote locations or attend trade shows, farmers markets, or other events.
E-commerce Payment Processing
FortisPay offers a range of e-commerce payment processing solutions for businesses that operate online. This includes payment gateway services, recurring billing, and digital wallet services.
Gift and Loyalty Card Programs
FortisPay offers gift and loyalty card programs that can help businesses increase customer loyalty and drive sales. These programs are fully customizable and can be integrated with POS systems and e-commerce platforms.
Merchant Cash Advance
FortisPay offers merchant cash advances that can help businesses get the funding they need quickly and easily. This service provides a lump sum of cash in exchange for a percentage of future credit card sales.
Fraud Prevention Services
FortisPay offers a suite of fraud prevention services that can help businesses reduce the risk of fraud and chargebacks. These services include address verification, card security code (CVV2) verification, and fraud screening.
In late 2020 Fortis Payment Systems acquired Blue Dog Business Services, another online payment technology provider. It appears Blue Dog has become FortisPay Pro, which has its own website separate from that of FortisPay. In early 2021 it was also announced they would acquire Swype at Work to further bolster their portfolio. Also in 2021, FortisPay acquired EpicPay and Change Merchant Solutions, and in 2022, they acquired payment technology firm Payment Logistics.
Location & Ownership
The company is a registered ISO/MSP of Elavon Payments Partner and registered ISO/MSP of Fifth Third Bank, N.A., Cincinnati, OH; Wells Fargo Bank, N.A., Concord, CA; Compass Bank, an Alabama State Chartered Bank; Citizens Bank, N.A., Providence RI; Woodforest National Bank, The Woodlands, TX; and U.S. Bancorp, Minneapolis, MN. Fortis Payment Systems is headquartered at 43155 Main St. Suite 2310-C Novi, Michigan 48375. Jimmy Nafso is the co-owner and former CEO of Fortis Payment Systems, while Greg Cohen is the current CEO.
Table of Contents
- Costs & Contract: Appears to offer variable contract terms that may or may…
- Complaints & Service: Complaints number more than 10 on…
- BBB Rating: Has a “D-” rating with the BBB, with 2 complaints and 1 review over…
- Sales & Marketing: Appears to hire independent sales representatives and has received…
Fortis Payment Systems Reviews and Complaints
Here's What Their Clients Say
Total Online Complaints
Live Customer Support
Most Common Complaint
Low Complaint Total
There are more than 10 Fortis Payments reviews to be found across all of the usual consumer protection websites, and there some claims that the company is a scam. Most of the available complaints are found in the comment section below this review and cite hidden fees, nondisclosure of contract terms, and difficulty canceling service. As noted above, the company’s former name of Cambridge Payment Systems did attract three complaints on CPO, but these reviews do not necessarily apply to Fortis as well. It should be noted that after FortisPay began rapidly acquiring companies in 2021, the number of negative FortisPay reviews on this site has increased heavily. If you have your own FortisPay review to make, please do so in the comments below.
Fortis Payment Systems and Fines
We have not found any outstanding class-action lawsuits or FTC complaints filed against Fortis Payment Systems. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
Fortis Payment Systems Customer Support Options
Given the general lack of complaints about specific issues, we will award the company an “A” rating at this time. Fortis offers phone, chat, and a contact form to its merchants as well as a dedicated account manager.
Fortis Payment Systems Customer Service Number
- (800) 761-8039 – Toll-Free Customer Support
This is a respectable level of customer support, but Fortis does not quite rank among our top-rated payment processors for great customer service.
Fortis Payment Systems BBB Rating and Report
Our Better Business Bureau Profile Assessment
Under 5 Complaints
FortisPay (as Fortis) is not an accredited business of the Better Business Bureau and currently maintains a “D-” rating. As of this review, there are 2 complaints filed against the company. Both of the complaints were successfully resolved to the satisfaction of the merchant.
What Merchants Say
In addition to the 2 complaints posted to the company’s BBB profile, Fortis has also received 1 informal review, which is negative. This review cites frustration with unexpected charges and poor customer service:
Fortis is a total joke. Can’t believe D** ******* is a part of this. We have a retail store and wanted to find an alternative to Square to process credit cards. We contacted them in May and the guy who helped us (K*** ******) seemed very down to earth and helpful, able to answer any questions. Got all our account info and told us that their new credit card processor might not be the best for us with it’s glitches so we opted for another one that actually cost more per month but we did not know that right away. It did not get to us. We were not able to complete their PCI Compliance since we are not lawyers or IT personnel and did not understand the terminology. So we told them not to send the device since we would have to pay for it and weren’t sure we could get this accomplished without help. Apparently K*** was trying to call us (remember we run a business?) about it but before we could connect, Fortis (under the name Merchant Bank) charged us around $25 for their services which they were not providing. So at that moment we decided not to do business with them and asked for a refund. No one gets back to us. Finally K*** in his charming way emails to apologize and says this is not normal but he understands. Then we had to sign some kind of cease/desist form to stop doing business with them but they charged us again for another month of non service. After asking several people for a refund we finally get an email (7/18) that it was denied by management and sorry for the inconvenience. What a way to run a business. Maybe others have better luck but this was a nightmare for us. They don’t care about mom and pops like us, just their bottom line or the letter of the law, whatever. So sad D** ******* is a part of it.
In cases like this, merchants would benefit from understanding how to cancel an account without paying a fee.
A “B” Performance
In light of the company’s complaint total and resolution ratio, we have adjusted the company’s rating to a “B”.
Fortis Payment Systems Fees and Rates
A Closer Look at the Contract
Don't Fall Into An Expensive Trap. See Who The Worst Processors Are.
Monthly & Annual Fees
1.00% - 4.99%
Variable Contract Terms
There is no specific information to be found regarding the standard Fortis Payment Systems contract at this time, but there are a few details available about the terms offered by its former business name of Cambridge Payment Systems. According to more than one FortisPay complaint, the company enforced an early termination fee of $350 up to $695, an undisclosed PCI compliance fee, and a monthly PCI noncompliance fee of $30. These FortisPay fees are far above industry standards.
Virtual Terminal and Payment Gateway Pricing
In addition to its storefront payment processing services, Fortis Payment Systems also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. However, pricing is not disclosed on that service. Additional FortisPay rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.
Few Contract Complaints
We have seen a few FortisPay reviews that mention hidden fees, and its standard pricing is not likely to be competitive with the cheapest merchant accounts. If you have any knowledge of the standard Fortis Payments contract, please leave that information in the comment section below this review. We also encourage business owners to check out our list of the providers of the best merchant accounts.
Fortis Payment Systems Jobs and Employment
Hiring Standards and Ethical Marketing Assessment
Audit Your Current Statement To Find Its Hidden Fees
Processing statements are intentionally complicated so that they can overcharge you. Get clarity before you switch.
Uses Independent Resellers
Discloses All Important Terms
Outside Sales Team
Fortis Payments appears to utilize ISOs and independent sales agents to market its services. The use of independent agents is commonly linked to elevated complaint rates due to the lack of training and oversight that these agents typically receive. In this case, we have found a number of negative Fortis Payments reviews that mention hidden fees, false pricing, and nondisclosure of contract terms. This does not compare favorably to our list of best credit card processors.
No Deceptive Quotes
As a point in the company’s favor, the Fortis Payments website does not promote any misleading rate quotes intended to deceive clients. Considering the fact that it has only received a few vague complaints, we will assign the company an “A” rating at this time. If you suspect, however, that Fortis is overcharging you, you can double-check your monthly bill with a third-party statement audit.
Fortis Payment Systems Review Summary
Our Final Thoughts and Opinions
Fortis Payment Systems rates as a reliable credit card processing provider according to our rating standards; however, its complaint total is growing as it expands, which is concerning. Business owners are advised to carefully read all contract terms and compare them to those offered by top-rated merchant account providers.
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