iPayHere Overview

Note: At the time of this update, the iPayHere website is no longer responsive. Some merchant reviews reflect that the service is no longer active. Merchants with any insight into the company’s present status are encouraged to leave their feedback in the comment section below. As of now, this review is current as of the time of our last update in July of 2019.

A Switch Commerce Subsidiary

Launched in February 2014, iPayHere is a subsidiary of Switch Commerce that offers merchant accounts for a wide range of business types, including retail businesses, restaurants, non-profits, and churches. iPayHere was originally founded in partnership with WorldPay, but it currently resells First Data‘s Clover point-of-sale products alongside its own hardware and software solutions. iPayHere’s mobile phone reader is only capable of processing magnetic stripe payments at this time, but the company offers a mobile reader from Clover that accepts EMV payments. iPayHere appears to have supplanted SwitchPay as the primary mobile credit card reader offered by Switch Commerce.

Location and Ownership

iPayHere is a registered agent of Citizens Bank, N.A., Providence, Rhode Island, and a registered ISO of Wells Fargo Bank, N.A., Concord, California. It is headquartered at 6565 N MacArthur Blvd, Suite 1000, Irving, Texas 75039. Roy T. Rimmer, Jr., is listed as the CEO of Switch Commerce.

iPayHere Review Table of Contents

  • Costs & Contract: iPayHere appears to offer a month-to-month contract with no early termination fee.
  • Complaints & Service: iPayHere has received fewer than 10 public complaints.
  • BBB Rating: iPayHere does not currently have a profile with the Better Business Bureau.
  • Sales & Marketing: iPayHere 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 iPayHere
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Products & Services Offered

Types of Businesses Served

  • Retail
  • Restaurant
  • Mobile
  • Real Estate
  • E-commerce
  • Non-profit (iGiveHere)

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iPayHere Rates, Fees, and Costs

Key Points

ACH - ECheck Rate 1.50% + $0.25
Flat Rate Debit Rate 1.75% + $0.25
Consumer Credit Rate 2.50% + $0.25
Rewards Credit Rate 2.89% + $0.25
Keyed-in Rate 3.25% + $0.25
Flat Rate Pricing (All Card Types) 2.99%
Monthly Minimum Fee $25
PCI Compliance Fee $2.00 Per Month
Clover Service Fee $29.99 Per Month
Clover Data Protection Fee $9.99 Per Month

iPayHere Pricing

Although iPayHere serves a broader range of markets than just mobile merchants, the company appears to be shooting for the simple, flat, pay-as-you-go pricing model that has been popularized by companies like Square. The company’s website does not list its contract duration or early termination fee, but it does clearly outline its per-transaction rates, its $2 monthly PCI compliance fee, and its $25 monthly minimum fees in the table below:

iPayHere Pricing Table
Pricing Table – ipayhere.com/pricing.html

As the table illustrates, iPayHere offers the option to choose between flat per-transaction fees or tiered pricing. The company’s tiered rates have the potential to be very competitive for merchants who primarily accept debit cards and consumer credit cards, but they could be much more expensive than average for merchants who accept a large number of business credit cards. For this reason, each merchant needs to consider whether iPayHere would be a good fit for their particular card profile.

Possibility of More Fees

It is unclear at this time whether these rates apply to all of the company’s retail, online, and mobile payment processing products, or whether different services will carry different fees. In addition, the fact that iPayHere’s website does not mention any other fees does not mean that such fees don’t exist.

Always Ask Questions

Merchants are encouraged to review all documentation and ask about any unlisted fees. The total lack of complaints posted to public forums about iPayHere’s pricing indicates that most of the company’s merchants are satisfied with the rates and fees they pay, but at this time iPayHere does not qualify as one of the cheapest merchant accounts.

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Response from iPayHere

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iPayHere Complaints & Customer Reviews

Key Points

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

Clean Complaint Record

We are currently unable to locate any negative iPayHere reviews, which is a good sign that the company isn’t a ripoff or a scam. iPayHere’s parent company, Switch Commerce, has a similarly clean complaint record. The company’s lack of complaints may be partially attributable to the fact that it is only five years old, but similar services have managed to rack up hundreds of complaints in the same period of time. We see no reason to lower iPayHere’s rating at this time.

iPayHere Lawsuits

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

iPayHere Support Options

The iPayHere website does not list any dedicated support contact information, but Switch Commerce probably handles the majority of customer complaints. At this time, iPayHere does not qualify as a top-rated payment processor for customer service.

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Response from iPayHere

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iPayHere BBB Rating Summary

The Better Business Bureau does not maintain a profile for iPayHere at this time. We therefore will not factor a BBB rating into this review. It is worth noting that Switch Commerce currently has an “A+” rating with the Better Business Bureau and is not accredited.

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Response from iPayHere

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Truth In Marketing & Advertising

Key Points

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

No Sales Complaints

iPayHere appears to primarily market its services via strategic partnerships and referral programs. There is no evidence that the company employs independently contracted sales agents, and we cannot find any iPayHere complaints that accuse the company’s sales team of deceptive conduct. The iPayHere website lists a large number of potential per-transaction rates for all transaction types, but there is no evidence at this time that these rates are misleadingly presented.

Clear Disclaimer

Beneath these rate quotes is a disclaimer: “Fees, dues, and assessments as applicable passed through from the card networks.” What this likely means is that merchants will pay the listed transaction fees plus the Dues & Assessment fee associated with all Visa and MasterCard transactions, which is roughly an additional tenth of a percent. Although these costs are clearly disclosed, merchants should be sure to verify that this is the full extent of the company’s fees. If you suspect that iPayHere is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden charges.

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Response from iPayHere

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iPayHere Marketing Example

iPayHere Logo

Our Opinion of iPayHere

A Solid Option for Most Businesses

iPayHere rates as a reliable merchant services provider according to our rating criteria. The company’s pricing model has the potential to be very affordable for certain businesses, and there are no public complaints about the company to be found in public forums. Our rating may be subject to change once the BBB establishes a profile for iPayHere. Merchants should be sure to inquire about all possible terms before signing up and compare the company’s services to those offered by top-rated credit card processors.

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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

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