card-payment-options-logo
card-payment-options-logo

Ingenico ePayments Review

Phillip Parker

I'm a business owner and merchant account expert who built this website 12 years ago to help other business owners find the ethical credit card processors. I've reviewed hundreds providers and been quoted in popular publications such as INC Magazine and The Los Angeles times. To date, I've helped over 5 million people better understand the credit card processing industry. Need advice on your processing from someone who isn't selling credit card processing services? Get in touch!

Schedule a call with me today. I don’t sell merchant accounts but I can help you:

  • Choose the right processor for your business.
  • Lower your fees with your current processor.
  • Offer guidance with funding holds and TMF Match List.
  • And more! Just ask!

Ingenico Overview

Ingenico ePayments Logo
5/5

Industries Served

  • Retail
  • Mobile
  • E-commerce
  • International

Products & Services Offered

  • Debit and credit card processing
  • Mobile payment processing
  • Online payment gateway
  • POS equipment
  • Multi-currency support
  • Sales reporting

5/5
Ingenico ePayments Logo

Industries Served

  • Retail
  • Mobile
  • E-commerce
  • International

Products & Services Offered

  • Debit and credit card processing
  • Mobile payment processing
  • Online payment gateway
  • POS equipment
  • Multi-currency support
  • Sales reporting

*Earning your trust is our highest priority. We live by the same values we expect to see from the companies we review: Honesty, transparency and respect. With this in mind we wish to inform you that we may in some cases, but not all, receive referral income if you choose a provider that we recommend. This income does not influence our strict editorial standards or our recommendations. Our mission is to provide you with the best information regardless of generating income.

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.

More Than Credit Card Terminals

Merchants may be primarily familiar with Ingenico for its credit card terminals, but 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.

Headquarters and Ownership

Ingenico ePayments is a registered ISO/MSP of Wells Fargo Bank, N.A., Concord, California. Nicolas Huss and 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 has received fewer than 10 public complaints.
  • BBB Rating: Ingenico ePayments does not have a dedicated BBB profile. However, Ingenico U.S. has an “A+” rating with the Better Business Bureau and 1 complaint 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.
  • Rates & Fees: How Merchants Got The Best Rates With Ingenico ePayments

Stop Wasting Money On Processing Fees

Learn how to permanently cut your processing costs and even get refunds of past fees.
View Post
Insurance image

How to Fight Chargebacks and Win

September 10, 2018 13 Comments

Find out how to successfully dispute customer chargebacks. You can contest chargebacks by supplying evidence that counters the customer’s chargeback claim and then submitting the following evidence to your merchant account provider. Learn more about how to fight chargebacks in this article.

Read More »

Highest Rated & Lowest Cost Processors

Fattmerchant Logo
See Our Review
VIsit Their Website
Payline Logo New
See Our Review
Visit Their Website

Ingenico Rates, Fees, and Costs

Ingenico ePayments Contract Terms

There is very little publicly available information about the standard Ingenico ePayments 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 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.

Ingenico Rates, Fees, and Costs

Key Points

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

Highest Rated "High-Risk" Processors

PaymentCloud Logo
See Our Review
VIsit Their Website
eMerchant Broker Logo
See Our Review
Visit Their Website

Ingenico Complaints & Customer Reviews

Under 10 Complaints

We are currently able to locate only one negative Ingenico ePayments review, and it does not suggest that the company is a scam or a ripoff. The sole complaint cites cites issues with the company’s terminals and invoicing process. Despite the fact that the credit card processor was created through the acquisition and merger of multiple older companies, Ingenico ePayments is still a very new brand. This is likely the primary factor behind its generally clean complaint record.

Ingenico ePayments Lawsuits

Ingenico Payments became party to a lawsuit filed in the Norther District of Georgia on December 20, 2018. The plaintiff of the suit, AnywhereCommerce, alleges that Ingenico committed illegal business practices during the bidding process to acquire a First Data contract for the sale of mPOS equipment. The suit also alleges that Ingenico illegally acquired trade sercrets from Hong Kong-based POS equipment manufacturer BBPOS, who had previously negotiated a license agreement with AnywhereCommerce.

Ingenico ePayments Customer Support Options

In addition, the company may place a stronger emphasis on European markets than on U.S.-based e-commerce, which would limit the number of reviews that could be posted by U.S. business owners. The company’s previous business names of GlobalCollect and Ingenico Payment Services enjoyed clean complaint records before their merger which suggests that Ingenico ePayment’s low complaint rate will persist. Ingenico does not provide phone contact information on its website, but an internationally active company of its size likely offers phone support to its merchants. Although not considered to be a top-rated merchant account provider for customer service, the company presumably has very capable support channels.

Ingenico Complaints & Customer Reviews

Key Points

Total Online Complaints

<10

Live Customer Support

Yes

Most Common Complaint

N/A

Highest Rated E-Commerce Processors

host merchant services logo
See Our Review
VIsit Their Website
Fattmerchant Logo
See Our Review
Visit Their Website

Ingenico BBB Rating Summary

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 1 complaint to its BBB profile in the past 26 months, as well as 1 which was closed in the last 12 months. The 1 remaining complaint was classified as a product or service issue. The 1 complaint was either resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant.

An “A” Rating

The company also has not received any informal reviews on its BBB profile. In light of the 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.

Ingenico BBB Rating Summary

Key Points

Product & Service Complaints

1

Billing & Collection Complaints

0

Advertising & Sales Complaints

0

Guarantee & Warranty Complaints

0

Delivery Complaints

0

Highest Rated Online Store Creators

shopify logo
See Our Review
VIsit Their Website
Selz Logo
See Our Review
Visit Their Website

Truth In Marketing & Advertising

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.

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.

Sales & Marketing Example

Truth In Marketing & Advertising

Key Points

Employs Independent Resellers

No

Advertises Deceptive Rates

No

Discloses All Important Terms

No

Our Opinion Of Ingenico

Ingenico ePayments Logo

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.

Phillip Parker - Creator of CardPaymentOptions.com
Facebook Twitter Linkedin Instagram

Why I'm Qualified to Write About Credit Card Processing

I’m a small business owner who previously worked in the credit card processing industry. I started this blog in 2009 to help other business owners by exposing credit card processors that engage in unethical marketing, rate and fee trickery, and fine-print-contract schemes. Over the last decade, I’ve reviewed hundreds of merchant services providers which has helped to educate over 5 million businesses on the nuances of credit and debit card acceptance. I’ve appeared in the New York Times, Los Angeles Times, Inc. Magazine and a host of other publications to offer insight on the subject of card acceptance. 

I offer merchant account and credit card processing consultation for the following needs:

  • Selecting the right credit card processing services for your business.
  • Reducing credit card processing fees with your current merchant account provider.
  • Negotiating credit card processing fees when changing merchant accounts.
  • Strategies for reducing and recovering funding holds and chargebacks.

 

Schedule a call with me today!

 

Leave Your Review For Ingenico

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.

    Reply

Leave a Reply

Your email address will not be published. Required fields are marked *

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Or, you can subscribe without commenting.

  • Readers Choice of 2020

    Fattmerchant
    Why Fattmerchant
    Fattmerchant has passed our review with flying colors due to a highly-reviewed support, and rock-bottom fees, a month-to-month service agreement, no cancellation fees, no hidden fees, and having wide variety of processing solutions. See our full Fattmerchant review. You can also visit Fattmerchant’s website, or call (866) 397-9826 for all the details on their services.

    Getting Declined?
    Are you getting declined because of your business type or credit history? Check out PaymentCloud for hard-to-approve merchant accounts, or call  (888) 506-7859.

    • We'd love to hear your thoughts on Ingenico

    Post a Comment Now
    Copyright

    Copyright © CardPaymentOptions.com, 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 CardPaymentOptions.com, 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.

    O% Markup + $0.08
    Per Transaction
    The highest rated processor on CPO. Month-to-month, no contract, no PCI Compliance fees, no batch fees, no statement fees, no downgrade fees, no junk fees of any kind.
    See Who It Is
    Facebook Instagram Twitter Linkedin
    © Copyright 2009 - 2020 CardPaymentOptions.com, Inc. All Rights Reserved.