Ingenico ePayments Review

Ingenico Overview

Ingenico May Have Overcharged You

If you accepted credit cards through Ingenico or any other credit card processing company between 2017 and 2019, recent changes to the law may entitle you to refunds of certain debit card and credit card processing errors and overcharges. See this post to find out if your were among the businesses affected and to learn how you can get your money back.

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
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Products & Services Offered

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

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce
  • International

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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

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.

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Response from Ingenico

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Ingenico Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

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.

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Response from Ingenico

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Ingenico BBB Rating Summary

Key Points - BBB

Product & Service Complaints 1
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 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.

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Response from Ingenico

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Truth In Marketing & Advertising

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.

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.

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Response from Ingenico

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Ingenico Marketing Example

Ingenico ePayments Logo

Our Opinion of Ingenico

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.

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Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

How I Can Help You

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1 Review Leave Your Review for Ingenico Below

  1. Sayedali Badsar says:

    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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