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Ingenico ePayments Review: Fees, Comparisons, Complaints, & Lawsuits

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Rating

5/5
Website
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(678) 456-1200

Most Recent Comment

  • Sayedali Badsar:
    "please stay away from this company. zero service, terminals always problems, accountancy very poor and lazy. they make you mad gradually by a..." Read More
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Rating:
5/5

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(678) 456-1200

Most Recent Comment

  • Sayedali Badsar:
    "please stay away from this company. zero service, terminals always problems, accountancy very poor and lazy. they make you mad gradually by a..." Read More
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Serving E-Commerce Merchants Around the Globe

Created in 2016, Ingenico ePayments is a merchant account provider specializing in payment processing solutions for domestic and international e-commerce merchants. Ingenico ePayments was formed via a January 2016 merger between GlobalCollect and Ingenico Payment Services and currently operates as a subsidiary of the Ingenico Group. In July 2017, Ingenico acquired Bambora. In November 2020, French payment and transactional services company Worldline acquired Ingenico for $8.6 billion.

Ingenico Point of Sale

Merchants may be primarily familiar with Ingenico for its credit card terminals. Their card readers are among some of the most popular and common in the world. That said, the company has spent the last few years developing its capacity as an e-commerce payment provider. Ingenico ePayments now claims to serve over 65,000 merchants in 170 countries with the help of more than 230 acquiring partners and banks.

Ingenico Location and Ownership

Ingenico ePayments is a registered ISO/MSP of Wells Fargo Bank, N.A., Concord, California. Gilles Grapinet is CEO of Worldline and Nicolas Huss continues to operate as the CEO of Ingenico Group, which is headquartered at 28/32 boulevard de Grenelle, 75015 Paris, France. The company’s US operations are based at 3025 Windward Plaza STE 600, Alpharetta, GA.

Ingenico ePayments Review Table of Contents

  • Costs & Contract: Ingenico ePayments appears to offer variable contract terms depending on the merchant’s country of origin and business type.
  • Complaints & Service: Ingenico ePayments complaints number fewer than 10 on public complaints forums.
  • BBB Rating: Ingenico ePayments does not have a dedicated BBB profile. However, Ingenico U.S. has a “B-” rating with the Better Business Bureau and 4 complaints in the last 3 years.
  • Sales & Marketing: Ingenico ePayments does not engage in misleading sales tactics and has not received complaints about its sales team.

Is the BBB Rating for Ingenico Accurate?

Better Business Bureau Profile

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see who will offer you the lowest pricing and best service

BBB Summary

Product & Service Complaints 4
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

No Dedicated BBB Profile

The Better Business Bureau does not maintain a profile for Ingenico ePayments, but Ingenico’s U.S. branch currently has a “B-” rating with the BBB and is not BBB accredited. The company has received 4 complaints to its BBB profile in the past 3 years. All 4 complaints were classified as a product or service issue. Of the 4 complaints, 2 were resolved to the satisfaction of the merchant. The other 2 were either resolved to the dissatisfaction of the merchant or did not receive a final response.

An “A” Rating

The company also has not received any informal reviews on its BBB profile. In light of Ingenico’s U.S. office’s low complaint total and positive resolution ratio, we agree with the BBB’s rating and will apply it to Ingenico ePayments’ e-commerce sector. Merchants should note, however, that there are good reasons to be skeptical of the BBB’s rating system.

How Expensive is Ingenico?

Rates, Fees, and Contract Terms

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Cost Summary

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

Ingenico ePayments Contract Terms

There is very little publicly available information about the standard Ingenico ePayments rates or contract at this time. Though the company lists three different plans – its GO, PREMIUM, and TAILORED plans, it does not disclose details about pricing for any of them. There are no merchant complaints that refer to specific rates or fees. Ingenico is partnered with over 200 acquirers worldwide and may utilize multiple backend credit card processors within the U.S. market alone. As a result, merchants should expect the company to offer a wide range of pricing options.

Avoid Equipment Leases

Ingenico’s focus on card-not-present and mobile payments may force it to offer higher per-transaction rates than conventional merchant account providers, but it could also be capable of offering flat-rate pricing as popularized by Stripe and PayPal. Ingenico’s history as a credit card terminal supplier may also mean that the company offers equipment for purchase or leasing. Merchants are always encouraged to purchase rather than lease whenever possible.

No Pricing Complaints

In general, there is very little that can be said about Ingenico’s standard contract and pricing, but we will take the lack of complaints about its rates to be a positive sign. Ingenico ePayments could even offer pricing that rivals the cheapest merchant accounts. If you have any specific knowledge of the standard Ingenico ePayments contract (including any PCI compliance fees or early termination fees), please share 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.

Does Ingenico Use Deceptive Marketing?

Advertising & Sales Strategy

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Key Points

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

No Sales Complaints

Ingenico ePayments appears to market its services through traditional advertising, strategic partnerships, and existing relationships with the customer bases of the companies it acquires. There is no evidence at this time that the company aggressively recruits independently contracted sales agents to sell its products, and we cannot find any Ingenico ePayments complaints that describe unethical conduct by the company’s sales agents.

This compares favorably to our list of best credit card processors.

No Deceptive Rate Quotes

Given that Ingenico is active in countries all over the world, its sales approaches will probably vary in each individual market. To its credit, there are no misleading rate quotes or unrealistic guarantees on its website, although most of the information it provides is too general to be of any use to a given merchant. The absence of complaints against Ingenico ePayments (as well as its forebears, GlobalCollect and Ingenico Payment Services) has earned the company an “A” in this section. If you suspect that Ingenico ePayments is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden charges.

Does Ingenico Deserve Your Business?

Review Summary & Our Thoughts

Solid Option for E-Commerce Businesses

Ingenico ePayments rates as a reliable e-commerce merchant services provider according to all available information. The company’s predecessors had clean complaint records before their merger, and its current iteration appears to be following in their footsteps. We will continue to make adjustments to this review as more merchant feedback becomes available. Merchants are for now advised to compare Ingenico ePayments’s terms and offerings to those of top-rated e-commerce merchant account providers.

5-Star Rated Ingenico Competitors

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About The Author

Phillip Parker is a Payments Industry Analyst and creator of this blog, CardPaymentOptions.com. Phillip is passionate about researching merchant service providers and payment industry trends. He is often quoted as an expert source in national publications such as INC Magazine, The Los Angeles Times, Entrepreneur, and many others.

“I started this blog because I was disgusted by the business practices of the merchant services industry. I wanted to empower business owners by providing insight on how to avoid shady merchant account providers and costly credit card processing mistakes.” 

Phillip’s Processor Comparisons

Picking a credit card processor can be a headache, but we’ve made it easy. Phillip recommends comparing the best merchant services providers we’ve researched.

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When was the last time you had your rates audited by someone who wasn’t also trying to sell you credit card processing services? We support this website by helping business owners understand how to cut their processing costs, either with a new processor or their current one. Learn more.

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One Response

  1. please stay away from this company. zero service, terminals always problems, accountancy very poor and lazy. they make you mad gradually by all the time sending you wrong invoices.

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