Inner Fence Reviews & Complaints

Innerfence Logo
full star full star full star full star empty star

How did they treat you? ▼


Inner Fence provides mobile credit card processing solutions for businesses that need to accept payments on the go. This article will review the company's service offerings, pricing structure, contract terms, and customer feedback. We will analyze the transparency of their fees, the quality of their customer support, and the overall satisfaction levels reported by their clients. By the end of this article, you will have a clear understanding of what Inner Fence offers and whether their services are suitable for your business's mobile payment processing needs.

About Inner Fence

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.

Inner Fence Products and Services

Payment Processing

Founded in 2007, Inner Fence operates in conjunction with Merchant Focus, which handles some of the credit card processing. In 2010, they acquired AppNinjas (Swipe), another mobile processor. Their current default plan uses Stripe as the backend processor.

Mobile Payment Solutions

Inner Fence offers a mobile app that enables payment processing on various platforms, including iOS and Android.

Security Features

The company prioritizes security with encryption and other measures to protect sensitive information during payment processing.

Developer API

Inner Fence provides a developer API, allowing businesses to integrate the payment system into their workflows or develop custom solutions.

Innerfence Customer Reviews

Here's What Their Clients Say

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

Positive Reputation

Inner Fence has garnered mostly positive feedback with few negative reviews in the usual forums, and it maintains high ratings in the iTunes and Android app marketplaces. This suggests that the majority of Inner Fence users are content with the rates and service provided. Furthermore, the company distinguishes itself by offering a dedicated customer support phone number along with email support, setting it apart from many other top mobile payment processors. Due to its low complaint rate, we award Inner Fence an “A” rating in this category. If you have your own review of Inner Fence, please share it in the comments below.

Legal Standing

No class-action lawsuits or FTC complaints have been reported against Inner Fence. Dissatisfied clients seeking recourse against the company are encouraged to report their concerns to the relevant supervisory organizations.

Customer Support

Inner Fence provides dedicated email support through its website, supplemented by troubleshooting guidance available in the FAQ section. As Inner Fence’s payment processing services are facilitated by Stripe, merchants may also find it beneficial to explore Stripe’s customer service options for assistance with their issues.

Inner Fence Customer Service Email

Innerfence Online Ratings

Here's How They Rate Online

Online Ratings Summary
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
Cancellation Penalties No
Monthy & Annual Fees Yes
Processing Rates 2.9% + $0.30
Equipment Leasing Yes

Low Commitment and Low Fees

Innerfence offers distinct pricing for four different client categories: U.S. Merchants, Canadian Merchants, Non-Profit, and High Volume. Each category benefits from month-to-month agreements free of cancellation fees, setup fees, minimum fees, annual fees, AVS fees, batch header fees, leasing, or PCI Compliance fees. Clients also receive one complimentary card reader, unlimited registers, and unlimited phone support. These plans process payments through Stripe with a charge of 2.9% plus $0.30 per transaction.

Special Pricing for Non-Profits and High Volume

All new clients typically incur a transaction fee of 2.9% plus $0.30 and a monthly charge of $49 ($39 if billed annually), except for non-profits and high-volume businesses (annual processing over $250,000), which are offered monthly fees of $29 and $25 respectively. Innerfence’s specialized pricing for non-profit and high-volume payment processing distinguishes it from many mobile payment processors.

Three Plans for Existing Merchants

Existing U.S.-based clients at Innerfence have the choice of three plans: “Individual,” “Professional,” and “Business,” each with unique pricing. The Individual plan offers one terminal for $9 monthly and a 1.9% transaction fee. Professional clients pay $79 monthly for up to 10 terminals, with a 0.9% transaction fee. Business clients have a flat rate of $299 per month, no transaction fees, and access to up to 20 terminals.

Extra Readers Cost More

In addition to processing fees, businesses requiring more than one card reader must purchase additional readers at $79 each, although the first reader is provided at no cost. For comprehensive rate and fee details, it’s advised to visit the company’s website and examine the service agreement.

Innerfence Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
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

Innerfence excels in most key aspects of credit card processing. Its service is particularly beneficial for established businesses with consistent monthly credit card transactions exceeding $3,000, offering broad compatibility across multiple platforms. This flexibility is ideal for enterprises seeking seamless payment processing solutions across various devices.

However, potential users should be mindful of some drawbacks. The pricing structure and the cost of additional card readers can significantly increase overall expenses compared to competitors. Businesses that require extra equipment or have tighter budgets might find these costs challenging, potentially outweighing the benefits. Thus, it’s essential for prospective clients to carefully assess Innerfence’s fee structure and compatibility with their specific business needs before committing to the service.

Location & Ownership

Inner Fence’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.

If you found this article helpful, please share it!

Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did Innerfence Treat You?

3 User Reviews

  • 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

  • Jerry Tenuzu

    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

Tell Us How They Treated You

Sharing your experience influences our rating and helps other business owners make informed decisions. Promotional content and contact information will not be published. Please provide a detailed summary of your experience.


Copyright © 2024, Inc. (Digital Fingerprint: 0d38c6720f0d78a701b74d58653af608). Getting paid to re-write this page? Click here to earn a reward.

Any unauthorized copying and reproduction of the content of this page, including all meta data and computer code, is strictly prohibited. While the information in the above article is believed to be accurate as of its publish date, the author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is,” and without warranties. Any and all use of trade names and/or marks are for identification purposes only and shall not be construed as a claim of affiliation, or otherwise, with, Inc. ("CPO") in any form. The sole purpose of the material presented herein is to alert, educate, and inform readers. It is not intended as legal or financial advice. We may earn revenue if you obtain services from a provider that we recommend. See this page to learn how we support our operations.