Originally referred to as “Inner Fence” (two words), Innerfence, LLC (innerfence.com) is a Redmond, Washington-based company that focuses on building credit card processing software for mobile devices such as the Android and iPhone. 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.

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. Innerfence’s co-founder and CEO is Derek Del Conte, and its other co-founder and CTO is Ryan Johnson. Innerfence is headquartered at 16541 Redmond Way #365C, Redmond, Washington 98052.

Key Points

  • Sales & Marketing: Innerfence does not appear to hire independent sales agents and has not received any complaints about its sales practices.
  • Costs & Contract: Innerfence offers a month-to-month contract with fixed transaction fees through Stripe and no early termination fees.
  • Complaints & Service: Innerfence has received fewer than 10 public complaints.
  • BBB Rating: Innerfence currently has an “A+” rating with the Better Business Bureau and has received zero complaints in the last three years.
  • Rates & Fees: How Merchants Got The Best Rates With Innerfence

Innerfence Products and Services

  • Debit and credit card processing
  • Virtual terminal
  • Transaction history
  • Signature and tip collection
  • Sales analytics
  • Mobile processing


  • Retail
  • Mobile
  • MOTO
  • E-commerce

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Sales & Marketing

Key Points - Sales & Marketing

Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms Yes

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 (see below). It appears that Innerfence primarily markets its service 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.

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Costs & Contract

Key Points - Costs & Contract

Swiped Rate 2.9% + $0.30
Keyed-in Rate 2.9% + $0.30
Early Termination Fee None
PCI Compliance Fee None
Equipment Lease Terms None

Innerfence splits its pricing for new merchants 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. All new merchants 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 merchants (processing $250,000 annually), which receive a monthly fee of $25.

For existing U.S.-based merchants, the company’s pricing gets more complicated. Existing merchants 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.

Aside from processing costs, merchants 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.

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Complaints & Service

Key Points - Complaints & Service

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

Innerfence has no complaints 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 of its mobile competitors. We feel that the company’s low complaint rate merits an “A” rating in this section.

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Key Points - BBB

Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Innerfence is not accredited with the Better Business Bureau and currently has an “A+” rating based on no complaints having been filed in the last three years. 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. 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.

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Innerfence Bottom Line

Overall, Innerfence scores well in most of the important areas of merchant credit card acceptance. The service is best suited for established merchants who 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. Learn more about the company by visiting the Innerfence website.

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