Innerfence Overview

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Process Payments on iPhone, Android, and Desktop

Innerfence 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.

Currently Powered by Stripe

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 7345 164th Ave NE, Ste 145-365, Redmond, WA.

Innerfence Review Table of Contents

  • 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 0 available public complaints.
  • BBB Rating: Innerfence currently has an “A+” rating with the Better Business Bureau and has received 0 complaints in the last 3 years.
  • Sales & Marketing: Innerfence does not appear to hire independent sales agents and has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Innerfence
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Products & Services Offered

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

Types of Businesses Served

  • Retail
  • Mobile
  • MOTO
  • E-commerce

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Innerfence Rates, Fees, and Costs

Key Points

Swiped Rate 2.90% + $0.30
Keyed-in Rate 2.90% + $0.30
Stripe Hosted Plan Annual Fee $428
Stripe Hosted Plan Month-to-Month Fee $49
Individual Plan Fee $9 Per Month (Per Terminal)
Individual Plan Rate 1.90%
Professional Plan Fee $79 Per Month (Per Terminal)
Professional Plan Rate 0.9%
Business Plan Fee $299 Per Month (Per Terminal)
Business Plan Rate 0.00%
High Volume Merchant Monthly Fee $25
Non-Profit Monthly Fee $29
Early Termination Fee None
PCI Compliance Fee None
Equipment Lease Costs $79 Per Month (Per Additional Terminal)

Low Commitment and Low Fees

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. Merchants 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 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. 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 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.

Extra Readers Cost More

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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Innerfence Complaints & Customer Reviews

Key Points

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

No Complaints

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 other top mobile payment processors. We feel that the company’s low complaint rate merits an “A” rating in this section.

Innerfence Lawsuits

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

InnerfenceCustomer Service 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.

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Response from Innerfence

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Innerfence BBB Rating Summary

Key Points - BBB

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

Clean Complaint Record

Inner Fence is not accredited with the Better Business Bureau and currently has an “A+” rating with 0 complaints filed in the last 36 months. Inner Fence 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 0 complaints, so we agree with the BBB’s rating at this time.

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers No
Advertises Deceptive Rates 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 (see following section). 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.

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Response from Innerfence

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Inner Fence Logo

Our Opinion of Innerfence

A Good Option for Midsize Merchants

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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Thank you for reading my review. I hope that it has helped you with your research.

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

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

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2 Reviews Leave Your Review for Innerfence Below

  1. 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

  2. Jerry Tenuzu says:

    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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