Ingenico ePayments Reviews & Complaints
Company Overview
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. As of 2023, the landing page for Ingenico ePayments appears to be gone, with a Payment Platform as a Service page replacing it. It is unclear if this means that Ingenico ePayments is still functioning as a brand or if Ingenico/Worldline have pivoted. If you have any information as to the status of the payments division of Ingenico, please let us know in the comments below.
Ingenico PPaaS
PPaaS stands for Payment Platform as a Service. This is a cloud-based platform that provides businesses with a complete set of tools to manage electronic transactions, including payment processing, fraud detection, data analytics, and more. As Ingenico has changed their ePayments landing page to offering PPaaS, it appears that they may be pivoting from offering direct payment processing and instead to offering services to processors themselves.
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 claimed to serve over 65,000 merchants in 170 countries with the help of more than 230 acquiring partners and banks. However, as of 2023, it appears that the company
Location & Ownership
Ingenico ePayments is a registered ISO/MSP of Wells Fargo Bank, N.A., Concord, California. Gilles Grapinet is CEO of Worldline and Matthieu Destot is the CEO of Ingenico Group, which is headquartered at 13/17 Rue Pagès, 92150 Suresnes, France. The company's US operations are based at 3025 Windward Plaza STE 600, Alpharetta, GA.
Ingenico Customer Reviews
Here's What Their Clients Say
Total Online Complaints | <10 |
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Live Customer Support | Yes |
Most Common Complaint | N/A |
Recent Lawsuits | Yes |
Minimal Complaints Found
We have found very few Ingenico ePayments reviews, and none of them suggest any fraudulent activity by the company. One complaint mentions issues with the company’s terminals and invoicing process. Despite being formed through the consolidation of several older companies, Ingenico ePayments is still relatively new. This likely contributes to its low complaint rate. Additionally, the company may focus more on European markets than on U.S.-based e-commerce, which could explain the limited number of reviews from American business owners. Both GlobalCollect and Ingenico Payment Services, the predecessors of Ingenico ePayments, had clean complaint records before the merger, indicating that this trend may continue for Ingenico ePayments. If you have your own experience with Ingenico ePayments, we encourage you to share it in the comments below.
Ingenico ePayments Lawsuits and Legal Issues
Ingenico Payments was involved in a lawsuit filed in the Northern District of Georgia on December 20, 2018. The plaintiff, AnywhereCommerce, alleges that Ingenico engaged in illegal business practices during the bidding process to acquire a First Data contract for the sale of POS equipment. AnywhereCommerce also claims that Ingenico unlawfully obtained trade secrets from BBPOS, a Hong Kong-based POS equipment manufacturer, with whom AnywhereCommerce had previously negotiated a license agreement.
Ingenico ePayments Customer Support Channels
While Ingenico does not prominently display a dedicated customer service phone number on its website, being an internationally active company, it likely provides phone support to its merchants. The inclusion of local office numbers is somewhat unusual for a company of its scale. Though not considered a top-rated merchant account provider for customer service, Ingenico presumably maintains effective support channels.
Ingenico ePayments Customer Service Contacts
- (678) 456-1200 – US Office
- +33 (0)1 58 01 91 35 – French Headquarters
Ingenico Online Ratings
Here's How They Rate Online
BBB Reports | 2 |
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No Dedicated BBB Profile
The Better Business Bureau does not maintain a profile for Ingenico ePayments, but Ingenico’s U.S. branch currently has an “A-” rating with the BBB and is not BBB accredited. The company has received 2 complaints to its BBB profile in the past 3 years. Both 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. Business owners should note, however, that there are good reasons to be skeptical of the BBB’s rating system.
Ingenico Fees, Rates & Costs
A Closer Look at The Contract
Cancellation Penalties | Undisclosed |
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Monthly & Annual Fees | Undisclosed |
Processing Rates | 1.00% - 4.99% |
Equipment Leasing | Yes |
Ingenico ePayments Contract Terms
Current specifics on Ingenico ePayments’ standard rates and contract terms are not easily accessible. While the company previously showcased three plans – GO, PREMIUM, and TAILORED – precise pricing details were not provided. Absent client complaints about specific rates or fees indicate that information may vary. With partnerships across 200 acquirers globally and potential multiple backend processors in the U.S., Ingenico ePayments likely offers a diverse range of pricing options to businesses.
Avoid Equipment Leases
Given Ingenico’s emphasis on card-not-present and mobile payments, the company might offer higher transaction rates compared to traditional merchant account providers. However, it could also present flat-rate pricing, similar to models used by Stripe and PayPal. Ingenico’s history in supplying credit card terminals may indicate the availability of equipment for purchase or lease, with a general recommendation for businesses to buy rather than lease equipment.
No Pricing Complaints
Due to the limited information about Ingenico ePayments’ contract and pricing, it is challenging to make definitive statements. However, the absence of complaints about its rates could be interpreted as a positive indicator. Ingenico ePayments’ pricing structure may potentially be in line with the most affordable merchant accounts. Those with detailed knowledge about Ingenico ePayments’ standard contract, including possible PCI compliance fees or early termination fees, are encouraged to share in the comments.
Business owners are also recommended to consider other options from our list of the top merchant accounts.
Ingenico Employee Reviews & Sales Tacitcs
Should You Work For Them?
Uses Independent Resellers | No |
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Telemarketing | No |
Misleading Marketing | 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 reviews 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 client. 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.
Our Ingenico Review Summary
Our Final Thoughts
Ingenico ePayments rates as a reliable e-commerce payment processing 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 client feedback becomes available. Business owners are for now advised to compare Ingenico ePayments’s terms and offerings to those of top-rated e-commerce merchant account providers.
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Sayedali Badsar
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.