NXGEN Canada Overview

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Not Affiliated With NXGEN Payment Services

NXGEN Canada is a merchant account provider based in Delta, British Columbia. The company primarily serves Canadian businesses and is in no way affiliated with the U.S.-based NXGEN Payment Services despite the similarities between the companies’ logos. The company also advertises Amador Business Computers, Talech, CardX, and Poynt as POS solutions.

NXGEN Canada History

Established in 2005 as Paylogec, the company launched a joint venture with a U.S. company called NXGEN Payment Services in 2009, and the two companies operated in Canada together for a time under the name of NXGEN Canada. The partnership ultimately ended, which resulted in NXGEN Payment Services changing its name to NXGEN International Payment Services/NXGEN USA. The company is formerly known as Paylogec, however, kept the NXGEN name and operates as NXGEN Canada to this day. To be clear, NXGEN Canada is the subject of this review, while NXGEN International Payment Services and NXGEN USA have no current affiliation with this company.

NXGEN Canada History

NXGEN Canada is headquartered at #1218-13351 Commerce Parkway, Richmond, British Columbia, Canada V6V 2X7 and is a reseller of Elavon. Don Andrews is the president of NXGEN Canada.

NXGEN Canada Review Table of Contents

  • Costs & Contract: NXGEN Canada appears to offer variable contract terms through Elavon with interchange-plus pricing and no early termination fees. However, merchant reviews convey the company may include a long-term non-cancelable equipment lease.
  • Complaints & Service: NXGEN Canada has received fewer than 10 public complaints.
  • BBB Rating: NXGEN Canada has an “A+” rating and has received 0 complaints in the past 3 years. The company has been accredited by the Better Business Bureau since 2016.
  • Sales & Marketing: NXGEN Canada hires independent sales agents but has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With NXGEN Canada
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Products & Services Offered

  • Debit and credit card processing
  • POS equipment
  • E-commerce solutions
  • Mobile phone processing
  • Gift and loyalty programs
  • Sales reporting

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce
  • MOTO
  • Restaurant
  • B2G

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NXGEN Canada Rates, Fees, and Costs

Key Points

Swiped Rate Interchange-Plus
Keyed-in Rate Interchange-Plus
Virtual Terminal Rate Interchange-Plus
Surcharge Pricing Undisclosed
Payment Gateway Fee Undisclosed
Early Termination Fee $0
PCI Compliance Fee $8.50 Per Month or $24.95 Per Quarter
Equipment Lease Terms Up to 60 Months (locked)

Variable Contract Terms

There is very little publicly available information about the standard NXGEN Canada contract. The company is a reseller of Elavon, which means that it does not charge an early termination fee, but other details like contract length and pricing structure are not disclosed on the company’s website. For reference, a typical Elavon contact assesses a swipe rate of 2.65% plus $0.19 or a keyed-in rate of 3.50% plus $0.19 per transaction.

In addition to transaction rate based merchant services, NXGEN Canada also offers surcharge based pricing. However, the percentage that merchants surcharge customers making credit card transactions is not listed on the NXGEN Canada website. Additional services provided by the company include POS systems from Talech and Poynt. NXGEN Canada offers Ingenico credit card terminals to merchants for in-store and mobile processing.

It is also possible that the company leases equipment through Ladco Leasing, which can sometimes result in merchants getting locked into long-term, non-cancellable terminal leases. Some merchant complaints reference the same kind of equipment leases with Northern Leasing Systems, adding concern about the inclusion of this contract term to avoid in merchant agreement with the company. One merchant complaint references an equipment lease term of 5 years.

A company representative has informed us that NXGEN offers interchange-plus pricing with no early termination fees and a PCI compliance fee of $8.50 per month ($24.95 quarterly). The company also advertises a zero fee pricing plan that surcharges merchants to offset transaction fees.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, NXGEN Canada also dedicates a portion of its website that advertises its virtual terminal and payment gateway, offered through Converge (formerly Virtual Merchant). However, pricing on either of those services is not disclosed. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.

No Red Flags

In general, there are no public complaints to be found regarding the company’s pricing and fees. We are therefore inclined to award NXGEN Canada an “A” in this section for the time being, and it’s possible that NXGEN’s pricing is competitive with even the cheapest merchant accounts. If you have any knowledge of the standard NXGEN Canada contract, please share that information in the comment section below this review.

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Response from NXGEN Canada

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NXGEN Canada Complaints & Customer Reviews

Key Points

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

Low Complaint Total

We can find only approximately 10 negative reviews about NXGEN Canada reviews on the usual consumer protection websites, none of which accuse the company of being a scam. 2 complaints mention long holds and slow response times from customer support, but they appear to have been isolated incidents. Another 2 complaints mention a more troubling pattern of complaint revolving around long-term non-cancelable equipment leases. 1 merchant making this complaint mentions a lease with Northern Leasing Systems, a company notorious for its costly equipment leases. While the other complaint does not mention the origin of the equipment lease, it does state that the timeframe of the agreement lasted for a whopping 5-year period. NXGEN’s low overall complaint total indicates that it provides adequate support for its merchants.

NXGEN Canada Lawsuits

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

NXGEN Canada Customer Support Options

The NXGEN Canada website lists a phone number for customer support and a general email address, and these channels appear to be directly serviced by NXGEN representatives rather than by Elavon support. Although its number of support channels is lower than other payment processors, its available channels perform at a level consistent with the top-rated credit card processors for great customer service.

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Response from NXGEN Canada

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NXGEN Canada BBB Rating Summary

Key Points - BBB

Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Clean Complaint Record

NXGEN Canada currently has an “A+” rating with the Better Business Bureau and has been accredited since August 2016. The company has received 0 complaints in the last 36 months. It also has not received any negative informal reviews.

An “A” Performance

Given NXGEN’s complaint total and resolution ratio, we agree with the BBB‘s rating at this time. However, merchants should note that there are good reasons to be skeptical of the BBB’s ratings.

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Response from NXGEN Canada

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Truth In Marketing & Advertising

Key Points

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

Inside/Outside Sales Team

NXGEN Canada appears to market itself primarily through a combination of independent sales agents, vendor relationships, and strategic partnerships. Generally speaking, the use of independent agents tends to result in higher complaint rates for a company. In this case, however, we cannot find any negative NXGEN Canada reviews that accuse the company’s sales reps of deceptive conduct. This may indicate that the company exercises a greater-than-average degree of control over its agents’ conduct, or it could be a sign that some complaints intended for NXGEN are instead filed against its processor, Elavon.

No Deceptive Quotes

As a point in the company’s favor, it does not appear to list any misleading rate quotes or guarantees in its official materials. If you suspect, however, that NXGEN is overcharging you, you can get a second opinion on your monthly fees with a third-party statement audit.

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Response from NXGEN Canada

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NXGEN Canada Logo

Our Opinion of NXGEN Canada

A Great Option for Most Canadian Businesses

NXGEN Canada rates as a reliable merchant services provider according to all available information. The company’s contract terms appear to be better than average for the industry, and its low complaint total suggests widespread satisfaction among its merchants. As always, merchants are encouraged to read and understand the terms of any contract before signing up for service. For more information, visit the NXGEN Canada website or call (888) 568-4213.

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3 Reviews Leave Your Review for NXGEN Canada Below

  1. These people are non-responsive!
    It has taken 4 months to terminate an account with them and am having to resort to STOP PAYMENTS on the auto-debit at our bank.

  2. Dianne says:

    The Elavon representative we signed up with in 2014, returned in May 2019 and said our term was up. He removed our P.O.S. machine and gave us an upgrade, at the time he also switched us to First Data Corp. and Northern Leasing. However, we are still paying a monthly fee of $23.50 per month for the original machine. Who do we talk to ??

  3. Holly MacKillop says:

    After much research by my Business manager we found NxgenCanada. They are friendly and informative as to how the system works. Application was easy to complete no upfront fees and costly monthly fees. Contract was easy to read. Questions asked were answered quickly. We now have our POS system and are very pleased. Holly, owner

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