NoblePay Credit Card Processing 2023: Reviews & Complaints

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Company Overview

NoblePay, also known as “Noble Payment Systems,” is a merchant account provider that previously went by the name of PowerPay America (not to be confused with PowerPay). There is some evidence that the company is a reseller of Chase Merchant Services, First Data (now Fiserv), and North American Bancard merchant services.

NoblePay Payment Processing

NoblePay appears to process all major debit and credit cards. Their services include EMV card readers and swipers, invoicing, and e-commerce solutions including virtual terminals. The company also provides POS solutions through Clover and Harbortouch as well as iPhone and Android-based software.

Mobile Payment Processing

NoblePay delivers mobile payment processing solutions. This caters to businesses requiring transactional mobility, such as pop-up shops, delivery services, or outdoor events.

E-commerce Payment Solutions

Online businesses are catered to with NoblePay’s e-commerce payment solutions. This service is designed to secure online transactions, allowing for the processing of digital payments from online clientele.

Point-of-Sale Systems

Providing point-of-sale (POS) systems is another service from NoblePay. These systems perform a variety of functions, such as sales tracking, inventory management, and employee scheduling, offering a comprehensive solution for sales operations management.

Virtual Terminal Services

NoblePay’s virtual terminal service facilitates the processing of card-not-present transactions. This service is designed for businesses that make sales via non-direct methods such as over the phone or by mail.

Location & Ownership

NoblePay is a registered MSP/ISO of Deutsche Bank AG, New York, and is headquartered at 730 Boston Post Road, Sudbury, Massachusetts, 01776. Christopher Swift is the president of NoblePay.

Table of Contents

NoblePay Customer Complaints & Reviews

Here's What Users Think

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint
Recent Lawsuits

Low Complaint Total

We are currently able to locate fewer than 10 negative NoblePay reviews, some of which accuse the company of being a ripoff or a scam. Common complaints include misrepresentation of NoblePay rates and fees, unauthorized withholding of funds, excessive penalties leveled as a result of chargebacks, difficulty canceling service, poor customer service, and accusations of false testimonials made against the company’s founder. If you have your own NoblePay review to make, please do so in the comment section below.

Unreliable Reviews

As has been addressed in the above categories, many of the complaints that have been posted against the company are of dubious reliability. Some appear to have been copied and pasted across multiple websites, some are over three years old, and nearly all of them make a point of calling out the company’s founder by name. This could indicate that many of these complaints are all the product of a personal vendetta against the company’s founder, or it could be that he actually does provide substandard service to most of his clients. At this time, it is very difficult to determine which party is being honest.

NoblePay Lawsuits and Fines

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

NoblePay Customer Support Options

The NoblePay website lists a dedicated customer support line, but it does not appear that this channel is effective enough to qualify NoblePay as a top merchant account provider for customer service. Given the consistently professional tone used by the company’s founder in his rebuttals to NoblePay complaints, we are inclined to award the company an “A” in this category until more is known.

NoblePay Customer Service Number

  • (866) 765-3151 – General Support

NoblePay BBB Rating and Report

Our Better Business Bureau Profile Assessment

No Dedicated Profile

NoblePay is neither listed nor accredited with the Better Business Bureau. Its former business name of PowerPay America is also not listed with the BBB at this time. Given the lack of a BBB report and the murkiness surrounding the company’s complaint record outside of the BBB, we will not factor a BBB score into the company’s overall rating at this time.

NoblePay Fees and Rates

A Closer Look at the Contract

Cost Summary

Cancellation Penalties
Monthly & Annual Fees
Processing Rates
1.00% - 4.99%
Equipment Leasing

NoblePay Pricing

As noted above, many online NoblePay complaints appear to be unreliable. Since the NoblePay contract is not publicly available, we are forced to assess its terms as quoted in various merchant reviews. Most complainants report an unspecified early termination fee, a monthly minimum fee of $20-$30, a tiered pricing model, and various undisclosed fees. However, the NoblePay website lists no early termination fee or service term length, and it states that the company only requires 30 days’ notice before terminating service. At the time of previous updates, NoblePay had also advertised no monthly minimums and listed a PCI Compliance fee of either $99 annually or $9.95 monthly. NoblePay also advertises a virtual terminal and mobile app to process payments, making it possible that clients do not have to purchase or lease equipment to facilitate their transactions.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, NoblePay also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. However, pricing is not disclosed on either of those services. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.

Level 2 and Level 3 Processing Services

In addition to its traditional merchant services, NoblePay also advertises that it provides Level 2 and Level 3 processing for B2B and B2G transactions. Level 2 and Level 3 processing rely upon different interchange rates than traditional consumer credit transactions. Accommodating those rates requires different payment processing technology from a merchant account provider to transmit the amount of data required to facilitate the transactions. These services are reserved for B2B and B2G purchases that utilize corporate credit cards.

Old Contract Complaints

Generally speaking, the client complaints about NoblePay contract terms are inconsistent, vague, or outdated, while NoblePay’s advertised terms have previously verged on being unrealistically competitive. Without access to the company’s actual contract, it is difficult to know which reports are accurate and how competitive NoblePay’s contract truly is when compared to the cheapest merchant accounts.

Unclear Contract Terms

Given the inconsistency of negative NoblePay reviews and the fact that some of them are over three years old or have been filed against NoblePay’s former name of PowerPay America, we have given the company’s contract a slightly better-than-average score of “B” in this category. If you have any knowledge of the standard NoblePay contract, please leave that information in the comment section of this review.

NoblePay Jobs and Employment

Hiring Standards and Ethical Marketing Assessment

Key Points

Uses Independent Resellers
Misleading Marketing
Discloses All Important Terms

NoblePay Sales Complaints

NoblePay appears to primarily market itself through its website and its referral program. There is no indication at this time that the company employs independent sales agents, and it appears as though the company’s founder directly services many accounts. We are currently able to locate a handful of NoblePay reviews accusing the company of misrepresentation of rates and fees, nondisclosure of important contract terms, and aggressive sales tactics. This does not compare favorably to our list of best credit card processors. However, it is questionable at this time whether some of these NoblePay complaints are legitimate.

Virtual Terminal Supported

NoblePay’s website advertises a virtual terminal for payment processing that apparently requires no long-term leases for hardware. This allows clients to avoid expensive equipment leases that last for years and cannot be canceled. While most hardware can be purchased for under $500, many merchant service providers make long-term leases a part of their contracts. These contract terms result in businesses paying well over what the actual hardware costs, so it is a point in NoblePay’s favor that they do not offer this. NoblePay’s virtual terminal and mobile payment app iProcess each allows credit, debit, and ACH payments to be processed with basic internet connectivity.

Previously Misleading Rate Quotes

At the time of a previous update, the NoblePay website quoted processing rates for retail merchants starting at 1.33%, which is its “Qualified” rate. The company’s related site,, also quoted rates of 1.35% for debit and 1.75% for Qualified credit cards. By not mentioning its PIN-based debit, signature debit, “Mid-Qualified,” and “Non-Qualified” rates, the company might have been giving clients an unrealistic expectation of the rates they will pay. NoblePay rate quotes have since been removed from its website, and now redirects to a page for ProCharge, a NoblePay product. Additionally, NoblePay previously included a full rate breakdown that could be easily found on its website, but this rate schedule appears to have been removed since then.

Questionable Testimonials

There are also numerous complaints online that accuse the company’s founder of posting false NoblePay testimonials on various consumer protection websites. While the company’s founder does appear to post in multiple forums, he identifies himself as the company’s founder when he does so, which doesn’t seem to be a “false” testimonial at all. In fact, his specific rebuttals generally appear more consistent and reliable than many of the accusations leveled against NoblePay. Since it is unclear at this time who should be trusted in this situation, we have given the company an imperfect but better-than-average grade of “B” in this category. If you suspect that NoblePay is charging you undisclosed fees, we recommend seeking a free third-party statement audit. We also encourage business owners to check out our list of the providers of the best merchant services.

NoblePay Review Summary

Our Final Thoughts and Opinions

NoblePay rates as a better-than-average credit card processing provider according to all available information. The company appears to be committed to full disclosure and fair contract terms, but the unavailability of a contract and an unclear complaint record make it difficult to determine exactly how reliable NoblePay is. Until more is known, business owners are encouraged to regard complaints and reviews about the company with caution and to compare NoblePay’s contract pricing to that of top overall credit card processors.

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Customer & Employee Reviews

What Others Are Saying About NoblePay

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1 Responses

  • Alejandro Terri

    I’m absolutely thrilled with NoblePay’s services! Their seamless payment solutions have taken my business to new heights. From the moment I signed up, the process was smooth and hassle-free. Their team was incredibly helpful and responsive, guiding me through every step of the setup.

    With NoblePay, I can confidently accept various payment methods, making transactions a breeze for my customers. The user-friendly interface is a game-changer, allowing me to easily track sales and manage my financials. The security measures in place also give me peace of mind, knowing my customers’ data is well-protected.

    Overall, NoblePay has exceeded my expectations, and I highly recommend their services to any business looking for a reliable payment processing partner. They’ve certainly earned my trust, and I look forward to a long and prosperous partnership with them. Kudos to the NoblePay team!


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We have been in operation since 2009, diligently conducting comprehensive research, publishing extensive reviews, and monitoring more than 1,000 payment processors. Our expertise in the merchant services industry has garnered recognition from esteemed publications such as the Los Angeles Times, INC Magazine, The Atlantic, and the Miami Herald, among others.

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At the start of our research, all processors are awarded five stars. We deduct stars if the processor engages in any of the following business practices:

– One star deduction if the processor has any junk fees.

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