Innerfence Overview

Process Payments on iPhone, Android, and Desktop

Originally referred to as “Inner Fence” (two words), Innerfence, LLC ( is a Redmond, Washington-based company that focuses on building credit card processing software for 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.

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 16541 Redmond Way #365C, Redmond, Washington 98052.

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 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.
  • 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

Contact Innerfence

Address: 16541 Redmond Way #365C, Redmond, Washington 98052

Advertising Disclosure: Our unbiased reviews are supported in part by helping you find highly reviewed merchant accounts. You can learn more here.

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

Innerfence Rates, Fees, and Costs

Standard Fees

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

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.

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.

Response from Innerfence

We’re here to help! Visit us at!

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.

Response from Innerfence

We’re here to help! Visit us at!

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

Innerfence is not accredited with the Better Business Bureau and currently has an “A+” rating with no complaints 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. 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.

Response from Innerfence

We’re here to help! Visit us at!

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.

Response from Innerfence

We’re here to help! Visit us at!

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.

Phillip Parker is a former merchant services sales agent who believes the industry has been overrun by people who engage in fraud and deception in order to steal from hard working business owners. He created this website to help you avoid the bad players, save money on fees, and to get peace of mind with your merchant account. If you would like to help support his work, learn more about our cost reduction service. We can evaluate your statement, tell you exactly how much you're overpaying, and then help you dramatically reduce your fees with your current credit card processor. Looking to switch instead? See our list of the best merchant account providers.

Schedule a Consultation with Phillip

2 Reviews Leave Your Review for Innerfence Below

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  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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