Indigo Payments 2023: Card Processing Reviews & Complaints

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Call Indigo Payments Call Indigo Payments (800) 988-8386 View Pricing

Company Overview

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.

Article Summary

Before we dive in, here’s a short summary of what we’ll cover:

  • Indigo Payments’ various payment processing services.
  • Indigo has received a few complaints in the past but not many in recent years. Former complaints often mention unexpected charges.
  • The company’s contract is a resold contract from Chase Merchant Services or Fiserv, neither of which is industry-best.

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.

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.

Table of Contents

Indigo Payments Customer Reviews

Here's What Their Clients Say

Key Points

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

Low Complaint Total

We are currently able to locate around 10 negative Indigo Payments reviews, some of which accuse the company of being a ripoff or a scam. The issues cited in these complaints include poor or unreachable customer service, withheld funds, a poor work environment, and undisclosed fees. For a company that has been in business for over five years, this is a respectable complaint rate, and the company has accordingly received an “A” in this category. If you have your own Indigo Payments review to make, please do so in the comments below.

Indigo Payments Lawsuits and Fines

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

Indigo Payments Customer Support Options

Indigo Payments provides live phone support from 9:00 a.m. to 6:00 p.m. EST, after-hours support through First Data and Paymentech, live chat, and an FAQ section to its clients.

Indigo Payments Customer Service Numbers

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

Other Support Options

  • Customer support form system through AcessOne

This is in line with our expectations of the top-rated merchant accounts for excellent customer service.

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

Key Points

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

Reselling First Data and Chase Merchant Services Contracts

Indigo Payments resells the contracts of First Data (Fiserv) and Chase Merchant Services, which means that it is capable of offering a wide array of possible rates and fees. Businesses can expect to pay a PCI Compliance fee of $19.95 per month through First Data (Fiserv) though Chase Merchant Services does not assess a fee. Chase Merchant Services and First Data (Fiserv) each enforce non-cancellable equipment leases of 24 and 48 months, respectively.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Indigo Payments also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. However, the Indigo Payments e-commerce program guide does not disclose pricing for these services. The company’s website advertises that it relies on Payeezy, the First Data Global Gateway, USAePay, and Authorize.Net for its online payment gateway. As such, pricing will vary based on which gateway provider a merchant utilizes. Additional Indigo Payments rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.

No More Termination Fees

In October 2014, Indigo announced that it would no longer charge early termination fees, and the company’s website has previously included language promoting interchange-plus pricing. A company representative has informed us that Indigo does not lease equipment, but the company does offer a four-month payment plan with no interest or fees on all equipment. The same representative stated that the company’s PCI compliance fee is $3.95 per month.

Few Contract Complaints

At this time, we can find only 2 Indigo Payments complaints that mention the company’s contract terms. The first complainant mentions an unexpected termination fee, which the company no longer charges. The second complaint describes withheld funds as the primary issue. These 2 Indigo Payments complaints do not indicate any specific issues with the company’s overall service. If you have any specific knowledge of Indigo’s contract terms, please share that information in the comment section below this review. We also encourage business owner to check out our list of the providers of the best merchant accounts.

Indigo Payments Employee Reviews & Sales Tacitcs

Should You Work For Them?

Key Points

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 rates as a reliable credit card processing provider according to our rating criteria. The company is showing a few complaints at this time but does not appear to engage in deceptive advertising tactics. Indigo’s overall rating may be subject to change once more information about its standard contract is made available. Businesses are encouraged to compare Indigo’s pricing to that offered by the top-rated merchant accounts before signing up.

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Your Comments & Reviews

How Did Indigo Payments Treat You?

10 Responses

  • 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

  • Lilliam Albino

    Envie mi 40 Dolores y no sale reflejado en mi cuenta quiero saver el porque

  • 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?

  • I’m trying to reach someone I cancelled my account 1 yr ago they still trying to charge and now it’s in collections

  • Michele Thomas


  • 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

    • Hi George,

      In order to authenticate your testimonial, please reply to this comment with your business name and location or your website information.

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