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NXGEN Canada Review: Fees, Comparisons, Complaints & Lawsuits

  • March 14, 2022
  • By Payments Industry Analyst, Phillip Parker
  • 2 User Reviews
see which processors will offer you the lowest pricing and best service
see who will offer you the lowest pricing and best service

Rating

 5/5
NXGEN Canada Logo
Website
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(888) 568-4213

Most Recent Comment

  • Dianne: says:
    October 30, 2019
    "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..." Read More
See All User Comments

See All 5-Star Recommendations

Rating:
 5/5

Agree with our rating?

Tell us why

NXGEN Canada Logo
View Pricing
(888) 568-4213

Most Recent Comment

  • Dianne: says:
    October 30, 2019
    "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..." Read More
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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 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.

Acquired by Paystone

Originally called Zomaron, the London-based fintech company has been sweeping up smaller payment providers in its effort to rebrand and reorganize as Paystone. NXGEN Canada was one of four companies acquired by Paystone in 2019, along with Swift Payments, POS West, and Data Candy. It is unclear at this time whether or not the brands will maintain some individual presence or will be consolidated into the Paystone brand.

NXGEN Canada Location and Ownership

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. Tarique Al-Ansari is the president and CEO at Paystone. Paystone is located at 3200 Wonderland Rd. S. London, ON, N6L 1A6.

NXGEN Canada Review Table of Contents

  • Costs & Contract: NXGEN Canada appears to offer variable contract terms through Elavon with no early termination fees.
  • 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 is not accredited by the Better Business Bureau.
  • Sales & Marketing: NXGEN Canada hires independent sales agents but has not received any complaints about its sales practices.

Should You Trust NXGEN Canada?

Lawsuits, Reviews & Complaints

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Complaint Summary

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

Low Complaint Total

We can find only a couple of negative NXGEN Canada reviews on the usual consumer protection websites, none of which accuse the company of being a scam. Two complaints mention long holds and slow response times from customer support, but they appear to have been isolated incidents. In general, NXGEN’s low overall complaint total indicates that it provides adequate support for its merchants.

NXGEN Canada Lawsuits and Fines

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 Service 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.

Is the BBB Rating for NXGEN Canada Accurate?

Better Business Bureau Profile

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see who will offer you the lowest pricing and best service

BBB Summary

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 is not accredited. 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.

How Expensive is NXGEN Canada?

Rates, Fees, and Contract Terms

This processor offers the lowest rates and best service we've seen

Cost Summary

Swiped Rate 2.65% + $0.19
Keyed-in Rate 3.50% + $0.19
Virtual Terminal Rate 1.00% - 4.99%
Payment Gateway Fee Undisclosed
Early Termination Fee $0
PCI Compliance Fee $8.50 Per Month or $24.95 Per Quarter
Equipment Lease Terms 48 Month (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.

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. 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 to advertising its virtual terminal and payment gateway, offered through Converge (formerly Virtual Merchant). 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.

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.

We also encourage merchants to check out our list of the providers of the best merchant accounts.

Does NXGEN Canada Use Deceptive Marketing?

Advertising & Sales Strategy

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you can trust these processor

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.

This compares favorably to our list of best credit card processors.

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.

Does NXGEN Canada Deserve Your Business?

Review Summary & Our Thoughts

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.

5-Star Rated NXGEN Canada Competitors

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About The Author

Phillip Parker is a Payments Industry Analyst and creator of this blog, CardPaymentOptions.com. Phillip is passionate about researching merchant service providers and payment industry trends. He is often quoted as an expert source in national publications such as INC Magazine, The Los Angeles Times, Entrepreneur, and many others.

“I started this blog because I was disgusted by the business practices of the merchant services industry. I wanted to empower business owners by providing insight on how to avoid shady merchant account providers and costly credit card processing mistakes.” 

Phillip’s Processor Comparisons

Picking a credit card processor can be a headache, but we’ve made it easy. Phillip recommends comparing the best merchant services providers we’ve researched.

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What Others Are Saying About NXGEN Canada

Customer & Employee Reviews

2 Responses

  1. Dianne says:
    October 30, 2019 at 2:29 pm

    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 ??

    Reply
  2. Holly MacKillop says:
    August 23, 2015 at 8:00 am

    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

    Reply

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