Sometimes referred to as “InnerFence” (one word), Inner Fence, 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 Pay Anywhere, GoPayment, and Square, Inner Fence allows merchants to accept credit card payments on smartphones and tablets. However, unlike most other mobile providers, Inner Fence’s service also includes the ability to accept swiped and keyed card transactions on Windows and Mac computers. This platform flexibility makes Inner Fence one of the better choices for established merchants that regularly accept card payments in-store and on the go.

Inner Fence 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. Inner Fence’s current default plan utilizes Stripe as the company’s backend processor. Inner Fence’s co-founder and CEO is Derek Del Conte, and its other co-founder and CTO is Ryan Johnson. Inner Fence is headquartered at 16701 NE 80th St, Suite 204, Redmond, Washington 98052.

Inner Fence 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

Sales & Marketing

Key Points - Sales & Marketing

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

Inner Fence 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 Inner Fence primarily markets its service through online marketing, referral partnerships, and referrals from Merchant Focus, and there is no indication at this time that Inner Fence employs independent sales agents or utilizes telemarketing campaigns. We therefore award the company an “A+” in this category.


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

Inner Fence splits its pricing for new merchants into three categories: U.S. Merchants, Canadian Merchants, and Non-Profits. All three 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 $39 except for non-profits, which receive a discounted monthly fee of $29.

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.


Complaints & Service

Key Points - Complaints & Service

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

Inner Fence 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 Inner Fence 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.



Key Points - BBB

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

Inner Fence 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. 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. 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.

Inner Fence Logo

Inner Fence Bottom Line

Overall, Inner Fence scores well in most of the important areas of merchant credit card acceptance. The service is best suited for established merchants that regularly accept credit card payments ($3,000+ per month) and want wider platform compatibility. Inner Fence has drawbacks including pricing and expensive additional card readers that, in some cases, will make it costlier than its competitors. Learn more about the company by visiting the Inner Fence website.

Hi, I’m Phillip and I’m disgusted by the state of credit card processing in the U.S. and abroad. I believe that the industry has been overrun by people who engage in fraud and deception in order to steal money from hard working business owners. I’ve made it my mission to expose the companies and individuals who engage in predatory marketing, pricing, and contracts, or just provide terrible service. Along with uncovering the bad guys, I’ve also discovered the good guys who do stand out from the status quo. CPO is a website where you will find ratings and reviews of these companies along with advice on how to save money and which service providers consider. Together we can move the industry in a positive direction. If you would like to help support my work, please checkout “Fee Sweep” my eGuide to getting the lowest possible fees when accepting card payments. If you haven’t heard of “interchange” this advice will save you hundreds, even thousands, in processing fees.

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