Infintech Review: Fees, Comparisons, Complaints, & Lawsuits

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Note: It appears that the Infinitech brand has been fully absorbed by i3 Verticals and is no longer in use on its own. We will therefore no longer be updating this profile and direct our readers to our i3 Verticals review.

An i3 Verticals Company

Infintech is a merchant account provider headquartered in Cincinnati, Ohio. The company was acquired by i3 Verticals in August 2015. According to the company’s website, Infintech focuses its payment processing services to B2B merchants. As such, the company provides Level 2 and Level 3 interchange rates to qualified customers.

Infintech Payment Processing

Infinitech processes all major debit and credit cards for most business types. Their services include POS solutions, ACH/e-check processing, mobile solutions, invoicing, e-commerce solutions including access to payment gateways, and gift and loyalty programs.

Infintech Location & Ownership

Infintech is a registered ISO/MSP of Wells Fargo Bank, N.A., Concord, CA; RBS Worldpay; Deutsche Bank, USA, New York, NY; Merrick Bank, South Jordan, UT; BMO Harris Bank NA, Chicago, IL; Fifth Third Bank N.A., Cincinnati, OH. The company’s headquarters is at 4455 Carver Woods Drive, Suite 110, Cincinnati, Ohio 45242. Tom DeBord is listed as the CEO of Infintech.

Infintech Review Table of Contents

  • Costs & Contract: Infintech appears to offer a three-year contract through i3 Verticals with an early termination fee of $375.
  • Complaints & Service: Infintech complaints number fewer than 10 on public complaints forums.
  • BBB Rating: Infintech has an “A+” rating and has received 0 complaints in the past 3 years. The company has been accredited by the Better Business Bureau since 2010.
  • Sales & Marketing: Infintech does not appear to hire independent sales representatives and has received only one complaint about its sales practices.
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Infintech Reviews and Complaints

Here's What Their Clients Say

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint

Low Complaint Volume

We have located only a few negative Infintech reviews, some of which explicitly refer to Infintech as a scam or a ripoff. The complainants primarily cite unexpected Infinitech fees, poor customer service, and an unprofessional work environment for sales agents. In its rebuttal to one complaint, Infintech claimed that it never received the appropriate cancellation notice from the merchant. Nevertheless, the company agreed to refund the merchant for the monthly fees in dispute. In another, Infintech allowed the merchant to cancel without applying a $375 termination fee. These appear to be isolated incidents and have not seriously impacted Infintech’s score in this category, but a persistent series of similar complaints will begin to lower the company’s rating. If you have your own Infinitech review to make, please do so in the comments below.

Infintech Lawsuits and Fines

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

Infintech Customer Service Options

Infintech offers 24/7 phone support for its merchants, but this line may be serviced by the company’s backend processor.

We have located a single Infinitech customer service phone number:

(800) 621-8931 – Toll-Free Customer Service

The company also appears to offer a customer support form and possibly chat on its website.

In any case, the company does not rank among the best payment processors for great customer service.

Infintech BBB Rating and Report

Our Better Business Bureau Profile Assessment

BBB Summary

Total Complaints
Resolved Complaints

Clean Complaint Record

Infintech has been accredited with the Better Business Bureau since 2010 and currently maintains an “A+” rating. The company is showing 0 complaints posted to its BBB profile in the last three years. Infintech has not received any informal reviews, although it should be noted that these reviews are not subject to verification by the BBB.

An “A” Performance

Given the company’s clean complaint record, we agree with the BBB’s rating in this case. Merchants should be sure not to rely on the BBB alone for validation of a company’s trustworthiness, as there are definite reasons to be skeptical of BBB grades.

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Infintech Fees and Rates

A Closer Look at the Contract

Don't Fall Into An Expensive Trap. See Who The Worst Processors Are.

Cost Summary

Swiped Rate
1.00% - 4.99%
Keyed-in Rate
1.00% - 4.99%
Virtual Terminal Rate
1.00% - 4.99%
Payment Gateway
Early Termination Fee
PCI Compliance Fee
$119 Per Year
Equipment Lease Terms
48 Month (locked)

Three-Year Agreement

The standard Infintech Program Guide is a three-year contract with Charge Payment, LLC, a DBA of i3 Verticals. Infintech has previously claimed to offer interchange-plus pricing, but it has recently downplayed this in its advertising materials.

The company has also warned merchants about long-term contracts in the sales copy on its website. However, one of the public complaints that the company has received describes a three-year Infinitech contract with an early termination fee of $375 and a PCI compliance fee of $119 per year, which seems to indicate a shift in the company’s position on long-term contracts. Additionally, the typical i3 Verticals contract repackaged by the company includes a built-in non-cancellable lease agreement through First Data Global Leasing.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Infintech also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. However, pricing is not disclosed on either of those services. Additional Infinitech rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.

Level 2 and Level 3 Processing Services

In addition to its traditional merchant services, Infintech also advertises that it provides Level 2 and Level 3 processing for B2B and B2G transactions. Level 2 and Level 3 processing rely upon different interchange rates than traditional consumer credit transactions. Accommodating those rates requires different payment processing technology from a merchant account provider to transmit the amount of data required to facilitate the transactions. These services are reserved for B2B and B2G purchases that utilize corporate credit cards.

Infintech Contract Terms

Given that there is only one public Infinitech complaint that specifically mentions Infintech contract terms, we will assume that most merchants are able to qualify for competitive pricing and contract terms through Infintech. Merchants are advised to read their agreements carefully to ensure that all rates and terms are fully understood. Merchants are also encouraged to compare Infintech’s pricing to low-cost merchant account providers. If you have any knowledge of the standard Infintech merchant agreement (including early termination fees, PCI compliance fees, monthly minimum fees, and other costs), please leave that information in the comment section below this review. We also encourage merchants to check out our list of the providers of the best merchant accounts.

Infintech Jobs and Employment

Hiring Standards and Ethical Marketing Assessment

Audit Your Current Statement To Find Its Hidden Fees

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Key Points

Employs Independent Resellers
Advertises Deceptive Rates
Discloses All Important Terms

One Sales Complaint

Infintech appears to primarily market itself through the use of salaried sales agents, strategic partnerships, and traditional advertising. There is only one Infintech review at this time that describes deceptive practices by the company’s sales team, and the Infintech website does not feature any misleading rate quotes. The lone Infinitech complaint about the company’s sales team alleges that Infintech advertised “no contracts” despite the fact that the company actually offers a three-year contract. Overall, this compares favorably to our list of best credit card processors.

No Serious Red Flags

At the time of our previous update, the Infintech website included an explanation of interchange-plus pricing (the most transparent pricing model available) and stated that Infintech only offers Interchange-plus to its merchants. It has since removed this text. Whether or not this change in sales copy reflects a change in policy is unclear. If you suspect that Infintech is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden costs.

Infintech Review Summary

Our Final Thoughts and Opinions

A Solid Option For Most Merchants

Infintech rates as a reliable merchant services provider according to our rating system. The company is showing only a few public complaints overall and has previously claimed to offer interchange-plus pricing. However, a recent shift in the company’s ad copy as well as negative reviews from some commenters seem to indicate that the company’s service may have changed following its acquisition by i3 Verticals. Merchants should compare Infintech’s pricing to the top-rated credit card processors to get the best deal.

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Infintech Competitors

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Customer & Employee Reviews

What Others Are Saying About Infintech

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6 Responses

  • Chaney

    Yeah half of the sales reps there are related to the owner and the others have rap sheets long enough that have them locked down to that job because they can’t get ” a real job”.
    Trust your finances with this outfit people!

    Check into it yourself!

    You are better off just going to your bank, this is rip off central unfortunately.

  • Mike Bannan

    We switched a year ago from one of the big credit card processing service companies. Went over to Infintech and haven’t looked back. Myron Rivers and Kayla have kept us going without any concern or glitches. Forget that we are saving tens-of-thousands of dollars, they really out service the competition.

  • Nancie Dudash

    Since 2011, Infintech’s online payment portal has made it easier for our customers to rent shared office spaces – and that gets us paid faster. Plus, the online reporting helps us balance payments and refunds quickly, reducing our accounting expenses. I also have immediate access to the support team who is always available to assist.

  • Bill Buck

    They advertise – “no contracts” yet this is just one of many complaints that made it through to BBB. This is their response. So clearly they have their customers in contracts, don’t return calls and have poor communication skills about Payment consulting when they advertise themselves as the experts if they have clients “failing”. This I just don’t have a tollerence for.

    The merchant signed a 3 year contract with Infintech in April 2015. Part of the contract that was signed was a $119 annual fee that registered the merchant for *** testing and validation. The merchant registered through our vendor for *** and went through the required online scan. The merchant… did not pass the required testing through the *** vendor. However, pass or fail we are charged by the vendor for the testing that the merchant went through. That fee was not a monthly fee but rather an annual cost to us from the third party vendor. Based on that since our costs were incurred, the fee cannot be waived nor should it be treated as a monthly fee. Additionally, since the merchant did not fulfill their 3 year contractual commitment, an early termination fee of $375 is due. However we will agree not to charge any early termination fee to this merchant.

  • Amy Warren

    Infintech has horrible customer service. I was a customer for several years and received VERY poor and disgraceful treatment in the end as a thanks for my business. Russ is very difficult to work with and rather insulting. Absolutely do not do business with if you would like polite staff and clear information.

    • Bill Buck

      That is the norm for this company if you are not a big revenue generating account. They advertise “dedicated support” however they push their sales reps until they are completely overloaded because every sales rep manages their own book of business and also their new sales so it is a failure model. The customer is who loses in the transaction. Corporate is the only one winning. You are better off choosing a company who will stand by what they offer and tell you upfront what you are getting whether than a bait and switch. infintech just wants to get you in the door and forget about you once you are a customer, that is exactly what this company is about. Churn and burn. They have an end game and it’s ink on the paper, activate your account, move on. No relationship, no learning how you conduct business. Forget about anything that was said or promised on that sales call.


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About The Author

Phillip Parker is the creator and author behind this website. He has over 15 years of experience in the credit card processing industry as a journalist, consultant, and former merchant account sales professional. He started this project as a blog to expose merchant services providers that engage in predatory business practices, such as deceptive marketing, misleading pricing, and high-pressure sales tactics. His goal is to help business owners find merchant account providers who serve their industry well while offering fair rates with no junk fees and no long-term commitments.

Phillip has researched over 1,000 payment processors and been quoted in numerous high-profile publications, including the Los Angeles Time, INC Magazine, The Atlantic, and the Miami Herald among others.

Need advice on card acceptance? Schedule a consultation with Phillip.

Phillip’s Top Processor Picks:
Retail, restaurant, e-commerce, mobile, professional services, and invoicing, Phillip recommends Helcim and CDG Commerce.

High-risk businesses, Phillip recommends PaymentCloud and Host Merchant Services.

How Our Ratings Work

Please note that our rating system was overhauled on April 26th, 2023. Reviews dated before this date may not score in accordance with the following.

Star Rating Criteria:

At the start of our research, all processors are awarded five stars. We deduct stars if the processor engages in any of the following:

– One star deduction if the processor has any junk fees.

– One star deduction if the processor does not post its pricing clearly on its website.

– One Star deduction if the processor is suffering from moderate client complaints.

– Multiple Star deductions if a processor is suffering from severe complaints, imposes unjust cancellation fees, markets non-cancellable equipment leases, engages in predatory rate pricing, or may be engaged in illegal activities.

Get all of the details regarding out rating criteria here.

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