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Inner Fence provides mobile credit card processing solutions for businesses that need to accept payments on the go. In this review, we cover the company’s services, pricing, contract terms, and customer feedback. We also evaluate the transparency of its fees, the quality of customer support, and overall merchant satisfaction. By the end, you will have a clear understanding of what Inner Fence offers and whether it is the right fit for your business’s mobile payment processing needs.
Inner Fence is a Redmond, Washington-based company that focuses on building credit card processing software for merchant accounts hosted on Androids, iPhones, as well as Mac and Windows PCs. Similar to services like PayAnywhere and Square, Innerfence allows merchants to accept credit card payments on smartphones and tablets. However, unlike most other mobile providers, Innerfence’s service also includes the ability to accept swiped and keyed card transactions on Windows and Mac computers. This platform flexibility makes Innerfence one of the better choices for established merchants that regularly accept card payments in-store and on the go.
Founded in 2007, Inner Fence operates in conjunction with Merchant Focus, which handles some of the credit card processing. In 2010, they acquired AppNinjas (Swipe), another mobile processor. Their current default plan uses Stripe as the backend processor.
Inner Fence offers a mobile app that enables payment processing on various platforms, including iOS and Android.
The company prioritizes security with encryption and other measures to protect sensitive information during payment processing.
Inner Fence provides a developer API, allowing businesses to integrate the payment system into their workflows or develop custom solutions.
Inner Fence has garnered mostly positive feedback with few negative reviews in the usual forums, and it maintains high ratings in the iTunes and Android app marketplaces. This suggests that the majority of Inner Fence users are content with the rates and service provided. Furthermore, the company distinguishes itself by offering a dedicated customer support phone number along with email support, setting it apart from many other top mobile payment processors. Due to its low complaint rate, we award Inner Fence an “A” rating in this category. If you have your own review of Inner Fence, please share it in the comments below.
No class-action lawsuits or FTC complaints have been reported against Inner Fence. Dissatisfied clients seeking recourse against the company are encouraged to report their concerns to the relevant supervisory organizations.
Inner Fence provides dedicated email support through its website, supplemented by troubleshooting guidance available in the FAQ section. As Inner Fence’s payment processing services are facilitated by Stripe, merchants may also find it beneficial to explore Stripe’s customer service options for assistance with their issues.
| PaymentPop | 1 |
|---|---|
| BBB Rating | N/A |
Do not have anything to do with this company. They stole hundreds of dollars from me. Couldn’t cancel for long time. Don’t have anything to do with them. Year was 2016 . Everything is a lie
There are no positive reviews published about Inner Fence on the PaymentPop website.
Innerfence is not accredited with the Better Business Bureau and currently has an “A+” rating with 0 complaints filed in the last 36 months. Innerfence also does not have any informal reviews posted to its profile, although it should be noted that these reviews are not subject to verification by the BBB. In fact, there are a number of reasons to question the information found on the BBB.
It is our belief that “A+” ratings should generally be reserved for companies with zero complaints, so we agree with the BBB’s rating at this time.
Innerfence offers distinct pricing for four different client categories: U.S. Merchants, Canadian Merchants, Non-Profit, and High Volume. Each category benefits from month-to-month agreements free of cancellation fees, setup fees, minimum fees, annual fees, AVS fees, batch header fees, leasing, or PCI Compliance fees. Clients also receive one complimentary card reader, unlimited registers, and unlimited phone support. These plans process payments through Stripe with a charge of 2.9% plus $0.30 per transaction.
All new clients typically incur a transaction fee of 2.9% plus $0.30 and a monthly charge of $49 ($39 if billed annually), except for non-profits and high-volume businesses (annual processing over $250,000), which are offered monthly fees of $29 and $25 respectively. Innerfence’s specialized pricing for non-profit and high-volume payment processing distinguishes it from many mobile payment processors.
Existing U.S.-based clients at Innerfence have the choice of three plans: “Individual,” “Professional,” and “Business,” each with unique pricing. The Individual plan offers one terminal for $9 monthly and a 1.9% transaction fee. Professional clients pay $79 monthly for up to 10 terminals, with a 0.9% transaction fee. Business clients have a flat rate of $299 per month, no transaction fees, and access to up to 20 terminals.
In addition to processing fees, businesses requiring more than one card reader must purchase additional readers at $79 each, although the first reader is provided at no cost. For comprehensive rate and fee details, it’s advised to visit the company’s website and examine the service agreement.
Innerfence uses no deceptive advertising or rate-quoting tactics that are apparent to this reviewer. In fact, the company’s website is one of the most transparent among all reviewed providers. It appears that Innerfence primarily competes with other top iPhone payment apps through online marketing, referral partnerships, and referrals from Merchant Focus, and there is no indication at this time that Innerfence employs independent sales agents or utilizes telemarketing campaigns. We therefore award the company an “A” in this category.
Compare Innerfence to competitors that earned top marks.
Innerfence excels in most key aspects of credit card processing. Its service is particularly beneficial for established businesses with consistent monthly credit card transactions exceeding $3,000, offering broad compatibility across multiple platforms. This flexibility is ideal for enterprises seeking seamless payment processing solutions across various devices.
However, potential users should be mindful of some drawbacks. The pricing structure and the cost of additional card readers can significantly increase overall expenses compared to competitors. Businesses that require extra equipment or have tighter budgets might find these costs challenging, potentially outweighing the benefits. Thus, it’s essential for prospective clients to carefully assess Innerfence’s fee structure and compatibility with their specific business needs before committing to the service.
| Co-founder and CEO | Derek Del Conte |
|---|---|
| Co-founder and CTO | Ryan Johnson |
| Headquarters | 7345 164th Ave NE, Ste 145-365, Redmond, WA 98052 |
| Website | innerfence.com |
