Ingenico ePayments 2023: Card Processing Reviews & Complaints

Ingenico Rating
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image of a phone image of a phone that changes when your mouse hovers over it +33 (0)1 58 01 91 35 View Pricing

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.

Table of Contents

Ingenico Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Item Result
Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A
Recent Lawsuits Yes

Under 10 Complaints

We are currently able to locate very few Ingenico ePayments reviews, and they do not suggest that the company is a scam or a ripoff. One Ingenico ePayments complaint 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. 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 ePayments’ low complaint rate will persist. If you have your own Ingenico ePayments review to make, please do so in the comments below.

Ingenico ePayments Lawsuits and Fines

Ingenico Payments became party to a lawsuit filed in the Northern 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 POS equipment. The suit also alleges that Ingenico illegally acquired trade secrets from Hong Kong-based POS equipment manufacturer BBPOS, who had previously negotiated a license agreement with AnywhereCommerce.

Ingenico ePayments Customer Support Options

Ingenico does not provide a dedicated customer service phone number on its website, but an internationally active company of its size likely offers phone support to its merchants. It does list local office numbers as well, which is somewhat unusual for a company of its size. Although not considered to be a top-rated merchant account provider for customer service, the company presumably has very capable support channels.

Ingenico ePayments Customer Service Numbers

  • (678) 456-1200 – US Office
  • +33 (0)1 58 01 91 35 – French Headquarters

Ingenico Online Ratings

Here's How They Rate Online

Online Ratings Summary
Item Result
BBB Reports 2

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

Cost & Fees Summary
Item Result
Cancellation Penalties Undisclosed
Monthly & Annual Fees Undisclosed
Processing Rates 1.00% - 4.99%
Equipment Leasing Yes

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 previously listed three different plans – its GO, PREMIUM, and TAILORED plans, it did not disclose details about pricing for any of them. There are no client 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, businesses 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. Business owners are always encouraged to purchase rather than lease equipment 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 business owners to check out our list of the providers of the best merchant accounts.

Ingenico Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Item Result
Uses Independent Resellers No
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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Your Comments & Reviews

How Did Ingenico Treat You?

1 Responses

  • 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.

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