Innerfence Credit Card Processing 2023: Reviews & Complaints

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Innerfence Rating
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Company Overview

Innerfence (or “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.

Article Summary

Before we dive in, here’s a short summary of what we’ll cover:

  • Innerfence’s various payment processing services.
  • Innerfence primarily offers an app for processing on various devices.
  • Innerfence offers various payment tiers.

Innerfence Payment Processing

Innerfence was founded in 2007 and operates in an apparent joint venture with Merchant Focus, which supplies some of the actual credit card processing. The companies also acquired AppNinjas (Swipe), another mobile processor, in 2010. Innerfence’s current default plan utilizes Stripe as the company’s backend processor.

Mobile Payment Solutions

The company provides a mobile app that enables users to process payments on various mobile platforms, including iOS and Android.

Security Features

Inner Fence emphasizes security in its payment processing, with encryption and other measures designed to protect sensitive information.

Developer API

Inner Fence offers a developer API that allows businesses to integrate the payment processing system into their existing workflows or develop custom solutions.

Location & Ownership

Innerfence’s co-founder and CEO is Derek Del Conte, and its other co-founder and CTO is Ryan Johnson. Innerfence is headquartered at 7345 164th Ave NE, Ste 145-365, Redmond, WA 98052.

Table of Contents

Innerfence Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Item Result
Total Online Complaints 0
Live Customer Support Yes
Most Common Complaint N/A
Recent Lawsuits No

No Complaints

We have found few negative Inner Fence reviews filed in the usual forums and the app has received high ratings in the iTunes and Android app marketplaces. This leads us to believe that the majority of Innerfence users are satisfied with the rates and service they receive. Additionally, the company offers a dedicated customer support phone number as well as email support, which sets it apart from many other top mobile payment processors. We feel that the company’s low complaint rate merits an “A” rating in this section. If you have your own Inner Fence review to make, please do so in the comments below.

Innerfence Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Innerfence. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Innerfence Customer Support Options

Innerfence only lists dedicated email addresss for customer support on its website. Additionally, the website’s FAQ section offers some troubleshooting guidance. Since the company’s payment processing services are hosted by Stripe, deferring to its customer service options may be the best resource for merchants depending on the nature of their issues.

Innerfence Customer Service Email

Innerfence Online Ratings

Here's How They Rate Online

Online Ratings Summary
Item Result
BBB Reports 0

Clean Complaint Record

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.

An “A” Performance Overall

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 Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Item Result
Cancellation Penalties No
Monthy & Annual Fees Yes
Processing Rates 2.9% + $0.30
Equipment Leasing Yes

Low Commitment and Low Fees

Innerfence splits its pricing for new clients into four categories: U.S. Merchants, Canadian Merchants, Non-Profit, and High Volume. All four receive month-to-month agreements with no cancellation fees, no setup fees, no minimum fees, no annual fees, no AVS fees, no batch header fees, no leasing or PCI Compliance fees, one free card reader, unlimited registers, and unlimited phone support. Businesses under those month-to-month plans have their payments processed through Stripe and are assessed a fee of 2.9% plus $0.30.

Special Pricing for Non-Profits and High Volume

All new clients pay 2.9% plus $0.30 per transaction and a monthly fee of $49 ($39 if billed annually) except for non-profits, which receive a discounted monthly fee of $29, and high-volume businesses (processing $250,000 annually), which receive a monthly fee of $25. The company’s offer of special pricing for non-profit payment processing and high-volume payment processing is not common among mobile payment processors.

Three Plans for Existing Merchants

For existing U.S.-based clients, the company’s pricing gets more complicated. Existing businesses can choose from the “Individual,” “Professional,” or “Business” plan, and each comes with its own pricing. Individual users can pay $9 per month for a single terminal and 1.9% per transaction. Professional users pay $79 per month and 0.9% per transaction for up to 10 terminals. Business users pay a flat $299 per month with no transaction fees and can use up to 20 terminals.

Extra Readers Cost More

Aside from processing costs, businesses who wish to have more than one card reader will need to purchase extras for $79 each (the first one is free). Be sure to check the company’s website and service agreement for full rate and fee disclosure.

Innerfence 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 Yes

Full Disclosure

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.

Our Innerfence Review Summary

Our Final Thoughts

Overall, Innerfence scores well in most of the important areas of credit card processing. The service is best suited for established businesses that regularly accept credit card payments ($3,000+ per month) and want wider platform compatibility. Innerfence has drawbacks including pricing and expensive additional card readers that, in some cases, will make it more expensive overall than its competitors.

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Your Comments & Reviews

How Did Innerfence Treat You?

3 Responses

  • Kathleen Andersen

    Kathie’s Frame Shoppe

    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

  • heather carder

    I have been a customer of Innerfence for the past 3 years and had absolutely no complaints – their monthly rate never changed, my transactions were easy to manage and deposits were in my account within 2 business days. However, I have had some issues when it comes to cancelling my service – it seems they drop you like a hot potato and offer very little service once you are no longer a paying customer. As you know, having access to your transactions to issue refunds, etc. is important to any business but once I cancelled my account I no longer had access to this information. I have been contacting Innerfence for the past week and get the same canned response – that I have an account with Stripe and that I need to contact them. I need access to my Innerfence account so I can issue a refund, but I cant seem to get anyone at innerfence to understand that. So, I really have no choice but to make sure others know that once you leave them, they assure you will not be a returning customer with their lack of customer service!

    From The Editor
    This Post Might Help: Best Merchant Accounts for Great Customer Service

  • Hi, i must say your reviews are a great read for people looking to have insight on these PSPs before diving in. However, i find your reviews lacking of two other very important aspects namely the on-boarding process for every merchant reviewed here and the turn around time for processed funds to hit the merchant’s account. it would be great if you incorporated the above features in your reviews IMO. Again i still think this place is a great source of information for prospecting merchants and those seeking to migrate to better providers…Kudos to Sir Philip for putting this place together. i very much appreciate it

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