Latitude Payments Review

Name: Latitude Payments
Item: Latitude Payments
Rating: 5
Author: Phillip Parker

By Phillip Parker

Last Updated: February 26, 2019

1 User Comments

Latitude Payments Rating

5/5

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UPDATE 2/26/2019: The Latitude Payments website appears to have been inactive since January 2018. We have not found any evidence that the company changed its name or was acquired, so we will assume for now that it has been discontinued. If you have any information about the status of Latitude Payments, share it in the comment section below. For now, merchants can find up-to-date information about this organization in our NXGEN Canada review.

Latitude Payments (latitudepayments.com) is a merchant account provider that serves most standard-risk business types. Latitude was launched in 2015 as the U.S.-based arm of NXGEN Canada, an Elavon reseller based in Canada. It is therefore probable that Latitude uses Elavon as its backend processing network. Latitude Payments does not provide an address on its website, but merchants should note that NXGEN Canada is located at 7177 Vantage Way, #280, Delta, British Columbia, Canada. Lisa Gorian is the president of Latitude Payments, while Don Andrews serves as the company’s vice president.

Key Points

Sales & Marketing: Latitude Payments appears to hire independent sales agents and has received zero complaints about its sales practices.
Costs & Contract: Latitude Payments offers multiple pricing plans intended for different business types.
Complaints & Service: Latitude Payments has received fewer than 10 public complaints.
BBB Rating: Latitude Payments does not have a profile with the Better Business Bureau at this time.
Rates & Fees: How Merchants Got The Best Rates With Latitude Payments

Latitude Payments Customer Reviews

Here's What Their Clients Say

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

We are unable to locate any negative Latitude Payments reviews at this time, and there is no reason to believe that the company is a scam or a ripoff. Latitude is still a very new brand name, so it will probably take some time before positive or negative feedback about the company is posted to consumer protection forums. NXGEN Canada similarly does not have any public complaints, so it’s possible that Latitude will follow the example set by its parent company for a long period of time. Merchants who have had a positive or negative experience with Latitude are encouraged to describe the service they received in the comment section below this review. Latitude Payments does not list any customer support phone numbers on its website, but it is likely that the company provides live support through Elavon.

Latitude Payments Online Ratings

Here's How They Rate Online

The Better Business Bureau does not maintain a profile for Latitude Payments at this time. NXGEN Canada currently has an “A+” rating with the BBB, but this profile does not appear to reflect customer experiences with Latitude Payments. We will therefore not factor a BBB rating into this review until Latitude Payments receives its own unique profile.

Latitude Payments Fees, Rates & Costs

A Closer Look at The Contract

Key Points
Swiped Rate	Variable
Keyed-in Rate	Variable
Early Termination Fee	Variable
PCI Compliance Fee	Variable
Equipment Lease Terms	Variable

There is very little publicly available information about the standard Latitude Payments contract at this time. The company does not provide its contract terms on its website, and there is no merchant feedback regarding its pricing or fees.

Latitude does list four general pricing plans on its website: Convenience Fee pricing, Surcharge pricing, Traditional pricing, and Nonprofit pricing. The details of these pricing models are as follows:

Convenience Fee pricing is intended for large, public institutions like municipalities and colleges. It instantly calculates the transaction fee associated with the buyer’s card type and then charges that exact amount to the buyer, sparing the merchant the cost of the transaction.
Surcharge pricing automatically applies a surcharge whenever customers pay with a credit card rather than a debit card. This model is similar to convenience fee pricing in that it helps defray the merchant’s cost, but unlike convenience fee pricing, it is available to all merchant types.
Traditional pricing is standard merchant account pricing wherein the merchant pays a percentage of each transaction to Latitude Payments. Latitude does not list pricing specifics under this plan, but NXGEN Canada is known to offer interchange-plus pricing with no early termination fees and a PCI compliance fee of $8.50 per month.
Nonprofit pricing gives donors the option to cover the cost of card acceptance for non-profit organizations. The cost of the transaction is added to the donation total. If a donor opts out of covering costs, the nonprofit is charged a markup of $0.05 on the transaction.

These models do not come with pricing specifics, but they do appear to be designed to save merchants money. Given NXGEN’s merchant-friendly contract terms, it seems likely that Latitude is competitively priced compared to industry averages. We will assign the company an “A” for now.

Latitude Payments Employee Reviews & Sales Tacitcs

Should You Work For Them?

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

Latitude Payments appears to primarily market itself via a combination of independent sales agents, vendor relationships, and strategic partnerships. The use of independent sales agents is commonly linked to elevated complaint rates, but we cannot find any Latitude Payments complaints that describe nondisclosure or misrepresentation by the company’s sales agents. This is likely due to the fact that the Latitude brand was launched very recently, but NXGEN Canada also enjoys a very low complaint rate. As an additional point in its favor, Latitude does not list any misleading rate quotes or unrealistic guarantees in its official marketing materials. We will therefore assign Latitude an “A” rating for the time being.

Our Latitude Payments Review Summary

Our Final Thoughts

Latitude Payments rates as a reliable merchant services provider according to all available information. The Latitude brand is a newly launched U.S. extension of NXGEN Canada, an “A” rated provider on CPO, and there is no reason to believe that the company’s policies will differ dramatically under the new name. Our rating may be subject to change, however, as more information becomes available. Merchants are encouraged to request and review all relevant documentation.

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About The Author

Phillip Parker

Phillip Parker is an independent card payment expert specializing U.S. and Canadian point-of-sale, e-commerce, and mobile payment acceptance. He has nearly two decades of experience in credit card processing as a journalist and consultant. Phillip is the creator of this website and has written over 1,500 articles covering numerous payment acceptance topics. He has also published critical reviews about most merchant services providers currently in operation.

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Phillip has consulted businesses of all sizes from mom-and-pop shops processing $10K per month to enterprise level organizations processing in excess of $300MM annually. His specialties include:

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Phillip has researched and reviewed over 1,000 merchant services providers over the last 15 years. He also owns multiple businesses that accept credit card payments. If you are looking for an ethical credit card processor that doesn’t hide fees or lock you into expensive contracts, see Phillip’s merchant account picks here.

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Your Comments & Reviews

How Did Latitude Payments Treat You?

1 Responses

Timothy Vicki

July 27, 2023

I must say, Latitude Payments has been a game-changer for my business! Their seamless payment solutions have made transactions a breeze, both online and in-store. The flexibility and security they provide give me peace of mind, and their customer support team is simply top-notch. No more late-night worries about payment hiccups; they’ve got my back 24/7. Their user-friendly interface makes navigating the system a pleasure, and I can’t believe how much time and effort it has saved me. My customers are also thrilled with the hassle-free checkout experience. It’s a win-win for everyone! I couldn’t recommend Latitude Payments enough to fellow business owners – they’ve truly exceeded my expectations and have become an invaluable partner in my success.

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