Indigo Payments Reviews & Complaints

Indigo Payments Logo
full star full star full star empty star empty star

How did they treat you? ▼

Pros & Cons
Pros: Cons:
No deceptive sales tactics. Limited credit line increase.
No termination fees. Withheld funds issues.
Offers interchange-plus pricing. Some negative reviews.
Low PCI compliance fee. High interest rates.
No equipment lease, payment plan available. Annual fees up to $99.
Reliable provider with few complaints. No rewards or perks.


In this article, we provide a concise yet thorough overview of Indigo Payments, a notable merchant account provider. We'll cover key areas such as their Rates and Fees, Contract Terms, and the nature of Common Complaints. Insight into the company's standing is offered through Industry Ratings and Employee Reviews, while their Marketing Tactics and User Reviews are critically evaluated.

Additionally, we'll discuss the specifics of Indigo Payments' payment processing services, including the IndigoCCR Rewards Program. Essential information about the company’s Location & Ownership is also provided. A balanced section on the Pros & Cons of their services is included, along with insights into the Visa & MasterCard Lawsuit Settlement, giving readers a comprehensive understanding of what to expect from Indigo Payments.

About Indigo Payments

Indigo Payments is a merchant account provider headquartered in Atlanta, Georgia. Founded in 2007, the company appears to be an ISO of First Data (now Fiserv) that has also partnered with Chase Merchant Services to provide its merchant services. Indigo Payments primarily markets retail, mobile, and restaurant merchant accounts. The company's website showcases different businesses utilizing its services from Georgia and other southeastern states local to its headquarters to markets across the country including businesses in Colorado and California.

Indigo Payments Payment Processing

Indigo Payments offers payment card processing and point-of-sale (POS) solutions. They focus on simplifying payments and automating operations for businesses, which can potentially transform their financial performance. Their services are designed to cater to various business needs, from basic terminals to mobile devices and advanced POS systems.

IndigoCCR Rewards Program

The company features the IndigoCCR Rewards Program, which integrates with text and email communications. This program is aimed at helping businesses grow by offering rewards and incentives.

Indigo Payments Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A
Recent Lawsuits No

Analysis of Indigo Payments Feedback

A review of available data has uncovered approximately 10 negative Indigo Payments reviews, with allegations of the company engaging in deceptive practices. Complaints commonly highlight issues such as difficult-to-reach customer service, delayed fund releases, an unfavorable work environment, and hidden charges. Considering Indigo Payments’ operational history exceeding five years, the volume of complaints is relatively low, earning the company an “A” rating in this domain. We encourage individuals with personal experiences with Indigo Payments to share their reviews in the comments section below.

Legal and Regulatory Overview of Indigo Payments

No substantial class-action lawsuits or Federal Trade Commission (FTC) complaints against Indigo Payments have been identified in our investigation. Clients preferring non-legal channels to address their concerns are advised to report their experiences to appropriate oversight bodies.

Customer Support Offered by Indigo Payments

Indigo Payments extends multiple customer support channels, including live phone assistance available from 9:00 a.m. to 6:00 p.m. EST, after-hours support via First Data and Paymentech partnerships, live chat functionality, and a comprehensive FAQ section.

Contact Details for Indigo Payments

  • (800) 988-8386 – Toll-Free General Support
  • (800) 228-0210 – Tech Support (for business numbers ending in 5)
  • (800) 354-8893 – Tech Support (for business numbers ending in 4)
  • (877) 331-0338 – Fax Service

Additional Customer Assistance

  • Online customer support form accessible through AccessOne

This revised content is designed to provide a balanced perspective on Indigo Payments, incorporating SEO-optimized terms such as “reviews,” “complaints,” and “customer service” to enhance visibility for individuals seeking information about the company. The original links have been retained to ensure readers have direct access to further information and resources.

Indigo Payments Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Reports 0

Clean Complaint Record

Indigo Payments has been accredited with the Better Business Bureau since 2007 and is currently showing an “A+” grade with 0 complaints filed in the last 36 months.

An “A” Performance

In light of Indigo’s complaint total, we agree with the BBB’s grade. However, merchants should note that there are reasons to be skeptical of BBB ratings.

Indigo Payments Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties No
Monthly & Annual Fees Yes
Processing Rates 1.00 - 4.99%
Equipment Leasing Yes

Offering First Data (Fiserv) and Chase Merchant Services Contracts

Indigo Payments resells contracts from First Data (Fiserv) and Chase Merchant Services, providing a range of potential rates and fees. Businesses may encounter a PCI Compliance fee of $19.95 per month with First Data (Fiserv), while Chase Merchant Services does not levy this fee. Both Chase Merchant Services and First Data (Fiserv) enforce non-cancellable equipment leases, spanning 24 and 48 months, respectively.

Virtual Terminal and Payment Gateway Pricing

Aside from in-store payment processing, Indigo Payments promotes its virtual terminal and payment gateway services on its website. However, pricing for these services is not disclosed in the Indigo Payments e-commerce program guide. Indigo Payments relies on various gateway providers, including Payeezy, First Data Global Gateway, USAePay, and Authorize.Net, leading to variable pricing based on the chosen provider. Additional fees, such as gateway fees, technical support fees, batch fees, and transaction rates, are applicable to these e-commerce services.

No More Early Termination Fees

In October 2014, Indigo announced the cessation of early termination fees, alongside prior promotion of interchange-plus pricing on its website. According to a company representative, Indigo does not lease equipment; however, it offers a four-month interest-free payment plan for all equipment. The representative also indicated that the company’s PCI compliance fee stands at $3.95 per month.

Minimal Contract Complaints

Currently, there are only 2 complaints referencing Indigo Payments’ contract terms. One complaint, concerning an unexpected termination fee, is no longer applicable following the company’s policy change. The other complaint pertains to withheld funds, without indicating broader service issues. If you possess specific insights into Indigo’s contract terms, kindly share them in the comment section below this review. We also encourage business owners to review our list of the top-rated merchant accounts.

Indigo Payments Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers No
Telemarketing No
Misleading Marketing No
Discloses All Important Terms No

Inside Sales Team

A company representative has informed us that Indigo Payments employs a full-time W2 sales staff and does not hire independently contracted sales agents. Perhaps as a result of this policy, there are currently very few negative Indigo Payments reviews that accuse the company of using deceptive sales tactics. The client in one case claims to have been told that there are no early termination fees associated with the company’s service, only to find out that there was in fact a $300 cancellation penalty. This type of complaint may no longer be applicable, as Indigo Payments announced in October 2014 that it will no longer charge early termination fees. This compares favorably to our list of best credit card processors.

Interchange-Plus Pricing

The company’s website has previously mentioned interchange-plus pricing, which is the most transparent pricing structure available, but we are unable to locate that language as of this update. If you suspect that an Indigo Payments agent has added hidden fees to your contract, we recommend seeking a third-party statement audit to eliminate undisclosed charges.

Our Indigo Payments Review Summary

Our Final Thoughts

Indigo Payments is currently rated as a reliable credit card processing provider. There are only a handful of complaints registered against the company, which speaks well of its operational transparency and customer relations. Additionally, Indigo Payments stands out for its straightforward advertising approach, showing no signs of engaging in deceptive marketing tactics that are all too common in the industry.

However, the full scope of Indigo Payments’ standard contract details has not yet been disclosed, leaving some aspects of its service terms unclear. This lack of information could potentially affect its future rating as more data becomes available. With this in mind, business owners are strongly advised to thoroughly review and compare Indigo’s pricing and contract terms with those of the top-rated merchant accounts.

Location & Ownership

Indigo Payments is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, California, and the company is headquartered at 5555 Glenridge Connector Suite 200 Atlanta, GA 30342. Linda Mize-Kelley and Erik Hendricks are listed as the co-founders of Indigo Payments.

If you found this article helpful, please share it!

Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did Indigo Payments Treat You?

10 User Reviews

  • Florence Brady

    I made a payment on Feb 16 online my bank released the payment immediately my payment has still not been processed I was told there is a 14 day hold. If I mailed the payment I could understand that but technically I made a cash payment. I never had this problem before. I only had 1 other problem I made a payment and they waitied 2 days to process it because I live on a fixed income my drug company sent out my medication early and deducted the funds from my account which caused my account to have insufficient funds when I called indigo and asked why my payment wasn’t processed the day I requested they said they don’t process on the weekend I told them My payment should have been processed on Friday . They had no comment I. made payments more than Minimum amount due my feelings are why bother might as well keep that money in my checking account

  • Jose Hernandez

    I scheduled a payment 3 weeks earlier than was due because I didn’t know when payment date was. I canceled it knowing I have 3 -4 weeks before my payment due. Now they froze my account. And the payment isn’t even due for 2 more weeks. Why did they freeze it if I’m not late on payment?

  • Michele Thomas


  • Steve Kang

    this is the worst processing company. they make mistakes but will not own up to it.. they might sell their company soon so better to look elsewhere. they make threats and breach contracts to contact your merchants and salesteam and think they are perfect and you are not.. very unprofessional and waste of time. fees might be disclosed but you have to pay for all equipment and paper!

  • James Yong

    We were with Heartland Payment Systems, and we had very few issues with them with over 10+ years, but I recently upgraded our POS system and wanted to try some new services. Mercury Payment Systems was the company our POS system was linked with, so we tried them for a bit, but we still wanted to see what else was out there. Flagship merchant services was a company found through online searches, and we tried them out but weren’t to our liking.
    A salesman from Indigo Payment Systems stopped by our shop promising to beat any rates out there, and promising full service for everything. A very good talker he was, but come time when we needed help, he didn’t pick up his phone and his mailbox was full. Our stand-alone machine we bought from them did not take the paper rolls it came with, but that was just a minor annoyance having to re-roll paper rolls to fit in the machine. We started having connection issues, and the machine worked when it wanted it to and didn’t work when we needed it to. The first tech service guy I called had no idea what he was doing, so there were very long, silent, uncomfortable pauses between directions before we got disconnected. The 2nd guy I got a hold of had an attitude problem, not to mention their tech line seems to be outsourced. We had two chargebacks for several hundred dollars within a few months (which is quite rare for us), and we were unsuccessful in getting any of that money back. They inform you of the chargeback more than several days after the money has already been debited out of the account (without warning). As a small business retailer, I DO NOT recommend this company to anyone. WATCHOUT for the $300 early termination fee they’ll try and charge you with. It will be stated in the contract you’re required to sign, but the salesman will straight up tell you there is no early termination fee. Not much info or history/reviews on this company, but from a personal experience, I’d give them an F for service and experience.

  • Wilfredo Silva

    My personal experience with Indigo Credit Card processing was very negative and full of frustrations. I own a small business; I got stuck with a shipment at port because this credit card processing decided just not to process the payment transaction. Their explanation was that the amount of the transaction was very high and they requested internal business documents which I was reluctant to provide. As a result I got log back in my schedule with the risk of losing my customer and with a delay of couple of days in my project. At the end I did a different transaction to get my shipment out of port. I try to resolve the issue and told then to cancel the transaction, to which at the beginning they told me that it was possible and that the customer money was to be returned in 24 to 48 hours. To my surprise I called then after 48 hours because they were incapable to resolve the issue, they came with another excuse that they need to match some customer information with the bank in order to give the money back to the customer. It is almost 10 days and they still holding the money that do does not belong to them. I tried to resolve the issue in a different way, reversing the transaction, at this point they came with extra charges and some other bologna. This story continues. For this reasons I strongly and very emphatically DO NOT recommend this company, they will hurt your business because they are not reliable on the contrary they are irresponsible senseless without understanding of a business dynamics. They are under the impression that we (small business) cannot make business without them. One of the managers told me that we were partners, to which I replay that they were a third party doing payment processing, That I did not need a third party getting involved in a private legitimate transaction . I would like to emphasize DO NOT make business with Indigo Credit Card Processing, they will hurt your business, will sell your private information, they will force you to make business with them

    W Silva

  • George zolla

    I have been using Indigo for several years now. After being in business for almost ten years and changing several times I really think I have found my final processor. As every processor always rose my rate after a few months, I can happily say there’s didn’t in fact two years after processing with them THEY CALLED ME AND DID A COMPLIMENTARY RATE CHECK AND ACTUALLY LOWERED MY RATE. This company has truly made me happy and thought I would take a minute to let some others that have been scammed by bad companies out there this company truly does seem like they care. Thank you

Tell Us How They Treated You

Sharing your experience influences our rating and helps other business owners make informed decisions. Please take a moment to tell us if they are serving you well. Your email address will never be published, shared or sold. We only use it to authenticate that you are a real person and, if you select the option for it, to let you know if someone replies to your comment. Required fields are marked *

Comments must contain details about your experience. Please do not use ALL CAPS. Self-promotion, marketing content, or contact information of any kind will not be published. By submitting a comment, you are agreeing to our Comment Policy


Copyright © 2024, Inc. (Digital Fingerprint: 0d38c6720f0d78a701b74d58653af608). Getting paid to re-write this page? Click here to earn a reward.

Any unauthorized copying and reproduction of the content of this page, including all meta data and computer code, is strictly prohibited. While the information in the above article is believed to be accurate as of its publish date, the author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is,” and without warranties. Any and all use of trade names and/or marks are for identification purposes only and shall not be construed as a claim of affiliation, or otherwise, with, Inc. ("CPO") in any form. The sole purpose of the material presented herein is to alert, educate, and inform readers. It is not intended as legal or financial advice. We may earn revenue if you obtain services from a provider that we recommend. See this page to learn how we support our operations.