NoblePay Reviews & Complaints

logo for noble pay
full star full star full star empty star empty star

How did they treat you? ▼


In this article, we take a focused look at NoblePay, a versatile merchant account provider known for its array of services including credit and debit card processing, EMV solutions, and mobile payment processing. We'll explore key aspects such as their rates and fees, contract terms, and customer experiences. Special attention is given to their e-commerce and mobile payment solutions, ideal for modern businesses. We'll also touch on the pros and cons of their services, from their transparent pricing to potential issues with customer support and security.

We also scrutinize NoblePay's customer reviews, lawsuits, and online ratings, providing a rounded view of their reputation in the industry. This article concludes with an overall assessment of NoblePay, highlighting their strengths and areas for improvement, to aid businesses in making an informed decision about using their services.

About NoblePay

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.

Pros & Cons
Pros: Cons:
No monthly fees No online store hosting
Transparent transaction fees Lacks proprietary POS system
In-person/recurring payment options Setup fees may apply
Customer support availability Additional bookkeeping required
Risk of fraud, security issues

NoblePay Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A
Recent Lawsuits No

Low Complaint Volume

Less than 10 negative reviews of NoblePay have surfaced, with some customers alleging the company as a ripoff or scam. Common grievances include misrepresentation of NoblePay rates and fees, unauthorized fund withholding, excessive chargeback penalties, difficulties in service cancellations, subpar customer support, and claims of false testimonials against the company’s founder. If you would like to share your own NoblePay review, please feel free to do so in the comments section below.

Concerns Regarding Review Reliability

It is pertinent to acknowledge the questionable reliability of many complaints directed at the company. Some reviews appear duplicated across multiple platforms, while others date back over three years. Moreover, a substantial number of grievances specifically target the company’s founder, potentially indicating a blend of personal bias and genuine service issues. Assessing the validity of these claims presents a considerable challenge.

Legal Actions and Financial Penalties

No prominent class-action lawsuits or Federal Trade Commission (FTC) complaints against NoblePay have been identified. Clients seeking non-litigious resolutions with the company are encouraged to report concerns to the relevant regulatory bodies.

NoblePay Customer Support Services

NoblePay provides a designated customer support line. However, the efficacy of this communication channel may fall short of the benchmarks expected for top merchant account providers in terms of customer service. Given the consistently professional responses from the company’s founder to NoblePay complaints, the company tentatively receives an “A” rating in this regard, subject to further insights.

NoblePay Customer Service Contact Number:

  • General Support: (866) 765-3151


NoblePay Online Ratings

Here's How They Rate Online

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, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties Undisclosed
Monthly & Annual Fees Yes
Processing Rates 1.00% - 4.99%
Equipment Leasing Yes

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 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 No

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.

Our NoblePay Review Summary

Our Final Thoughts

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.

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 NoblePay Treat You?

1 User Reviews

  • 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!

Tell Us How They Treated You

Sharing your experience influences our rating and helps other business owners make informed decisions. Please take a moment to tell us if they are serving you well. Your email address will never be published, shared or sold. We only use it to authenticate that you are a real person and, if you select the option for it, to let you know if someone replies to your comment. Required fields are marked *

Comments must contain details about your experience. Please do not use ALL CAPS. Self-promotion, marketing content, or contact information of any kind will not be published. By submitting a comment, you are agreeing to our Comment Policy


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.