NXGEN Payment Services Reviews & Complaints

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Note: As of 2023, the NXGEN Payment Services website redirects to that of Payroc. Previously it was stated that the two companies would operate under their own brands, so it is currently unclear if the NXGEN brand is still in use. If you have any information, please let us know in the comments below.


In this article, we provide a succinct yet thorough review of NXGEN Payment Services, covering key aspects like their diverse payment processing options, including mobile and online payments, and advanced POS systems. We’ll look into the security measures NXGEN employs for fraud prevention and detail their global payment processing capabilities. This piece also sheds light on the company’s structure, its relation to NXG International Payment Services and NXGEN Canada, and its integration into the Payroc brand.

Important for potential clients, we analyze NXGEN's pricing, contract terms, and customer feedback, balancing the pros and cons to offer an unbiased perspective. Additionally, we assess customer reviews, industry ratings, and compare NXGEN’s services with competitors, providing a comprehensive view of what NXGEN offers in the competitive payment processing market.

About NXGEN a Payroc Company

Established in 2002, NXGEN Payment Services is a merchant account provider for businesses within the U.S. The company offers retail, mail order/telephone order and internet electronic payment acceptance options. Several years ago, NXGEN launched a joint Canadian venture with a company called Paylogec, and the two companies operated together for a time under the name of NXGEN Canada. Since then, the partnership has ended, resulting in separate DBAs for the two companies. NXGEN USA now conducts international business under the name NXG International Payment Services, while the company formerly known as Paylogec now goes by the name of NXGEN Canada and is based at 13351 Commerce Pkwy Unit 1218, Richmond, BC V6V 2X7, Canada. As of October 25, 2019, NXGEN Payment Services has been absorbed into the Payroc brand, but both companies will continue operating under their own brands.

NXGEN Payment Services Payment Processing

NXGEN Payment Services offers payment processing for most major debit and credit cards for most business types. Their services include mobile payments, virtual terminals, POS systems and EMV swipers, and e-commerce solutions including shopping carts.

Advanced Point-of-Sale Systems

NXGEN's advanced point-of-sale (POS) systems are designed to streamline business operations and improve efficiency. With integrated inventory management, employee tracking, and customer relationship management features, these POS systems can be tailored to meet the unique requirements of each business.

Mobile and Online Payment Processing

With a focus on modern payment processing methods, NXGEN offers mobile and online payment processing solutions. These services enable businesses to accept payments through smartphones, tablets, and e-commerce websites, providing flexibility and convenience to both merchants and customers.

Integrated Payment Solutions

NXGEN Payment Services provides integrated payment solutions that can be seamlessly integrated with popular software systems and applications. This feature allows businesses to consolidate their financial management processes and create a more efficient workflow.

Global Payment Processing

As a global payment processing provider, NXGEN supports businesses in expanding their reach by facilitating international transactions. This capability helps businesses cater to a broader customer base, while also accommodating the needs of their existing customers who may require international payment options.

Security and Fraud Prevention

NXGEN places a strong emphasis on security and fraud prevention, employing advanced encryption and tokenization technologies to protect sensitive data. This commitment to security gives businesses peace of mind, knowing that their customers' information is well-protected during transactions.

Location & Ownership

NXGEN Payment Services is a registered ISO/MSP of Elavon and of Wells Fargo Bank, N.A., Concord, California. NXGEN USA is headquartered at 940 Spokane Ave Suite #5 Whitefish, Montana 59937, although it has other offices across the country. To further clarify, NXG International Payment Services is the international business department of NXGEN USA, while NXGEN Canada has no affiliation with NXGEN USA or NXG International Payment Services. Thomas Nitopi is the founder and CEO of NXGEN USA.

NXGen Payment Services payment processing
NXGen Payment Services offers most typical payment processing services
Pros & Cons
Pros: Cons:
Low complaint count. Complaints about deceptive marketing.
No setup fee. Employs multiple sales agents.
No monthly fee. Non-disclosed program enrollments.
No early termination fee. Public pricing not available.
Multiple contract terms available. Non-disclosed important terms.
Operates internationally. 48-month locked equipment lease.

NXGEN Payment Services 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

Overview of NXGEN Payment Services Reviews

Our research has identified a minimal number of negative NXGEN Payment Services reviews, totaling only two outside of the Better Business Bureau (BBB). Among these, one claim accuses the company of scam activities. The scarce volume of complaints suggests NXGEN maintains an effective customer service department, actively addressing client concerns. We invite you to share your experiences with NXGEN Payment Services in the comments below to enhance the breadth of feedback available.

Legal and Regulatory Status of NXGEN Payment Services

No current class-action lawsuits or Federal Trade Commission (FTC) complaints have been discovered against NXGEN Payment Services. Clients seeking non-litigious resolutions for their disputes with the company are encouraged to contact appropriate regulatory bodies.

Assessing NXGEN Payment Services Customer Support

NXGEN provides customer support through a dedicated form available in the “Contact Us” section of their website and via a general contact number. While these channels suggest a commitment to customer service, they do not alone elevate NXGEN to the status of a leading payment processor known for exceptional customer service. It’s noted that NXGEN clients may also interact with Elavon customer support, complicating the direct assessment of NXGEN’s service quality. Without concrete evidence to confirm the extent of this interaction, NXGEN is awarded an “A” rating in customer support.

This content update aims to offer a balanced view of NXGEN Payment Services, covering customer feedback, legal information, and the quality of customer support. By including SEO-optimized keywords related to “reviews,” “complaints,” “customer service,” and “customer support,” the revision seeks to enhance discoverability and provide valuable insights for individuals and businesses considering NXGEN’s services.

NXGEN Payment Services Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Reports 0

No BBB Complaints

NXGEN was formerly accredited with the BBB since 2006 but is no longer, and the company maintains an “A+” rating as of this update. No complaints have been filed with the BBB.

An “A” Performance Overall

Given the fact that it has received no complaints, we agree with the BBB’s rating in this case.

NXGEN Payment Services Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties No
Monthly & Annual Fees Unclear
Processing Rates Variable
Equipment Leasing Yes

NXGEN Pricing

NXGEN offers two pricing plans on its website. The first, “Instant Processing,” comes with a 2.65% transaction fee, no monthly fees, a $25 terminal, is both Android and iPhone ready, and has a 30-day money-back guarantee.

The “Custom Pricing” plan has variable rates and fees, comes with a dedicated U.S.-based account specialist, and allows clients to select POS systems and e-commerce solutions based on their needs. NXGEN does not disclose its full fee list or merchant agreement, but business owners should be aware that additional fees, like PCI Compliance fees and monthly minimum fees, may apply.

Additionally, the company offers a zero-fee processing pricing model. This allows merchants to surcharge credit card payments in lieu of charging typical transaction rates.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, NXGEN Payment Services also dedicates a portion of its website to advertising its virtual terminal and payment gateway services through Converge. However, pricing is not disclosed on either of those services. While the company charges a 2.65% transaction rate to in-store purchases made through the gateway, it lists its e-commerce services under its customized pricing plans, not the Instant Processing plan associated with that 2.65% rate. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.

Avoid Equipment Leases

A company representative has stated that the standard NXGEN contract is an Elavon contract with no early termination fees. NXGEN allows clients to rent, lease, or purchase equipment through its website, and there is some evidence that the company is partnered with First Data Global Leasing (one of the worst-rated companies on CPO) to supply its equipment leases. Business owners are encouraged to purchase their equipment to avoid an expensive long-term lease. If you have any knowledge of the standard NXGEN contract, please leave that information in the comment section of this review.

NXGen Payment Services
NXGen Payment Services offers e-commerce solutions including access to a payment gateway and virtual terminals

NXGEN Payment Services Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers Yes
Telemarketing Yes
Misleading Marketing No
Discloses All Important Terms No

Independent Sales Team

NXGEN appears to market its services through the use of independent sales agents. Generally speaking, this is a standard industry practice that often results in high complaint rates among clients. A handful of recent NXGEN Payment Services reviews from businesses and sales agents appear to describe conditions similar to a standard industry “hiring mill.”

Employee Complaints

A few complaints from sales agents describe a difficult commission-based structure, an unrealistic workload, and questionable sales tactics. Here is an example of one such complaint:

Business practices are intentionally deceptive. Upper management rolls out new “programs” for merchants which are designed to scam them out of more of their money. They offer “opt-out” periods (usually 2-4 weeks) for these programs, and then automatically enroll merchants in them.

Slight Cause for Concern

It is also worth acknowledging that many complaints that would have been directed to NXGEN may have instead been filed against Elavon. Ultimately, the complaints from employees and merchants alike that mention potentially deceptive practices have earned NXGEN a “B” rating in this category. If you suspect that NXGEN Payment Services is charging you undisclosed fees, we recommend seeking a third-party statement audit.

Our NXGEN Payment Services Review Summary

Our Final Thoughts

NXGEN Payment Services rates as an exceptional credit card processing provider according to our standards. The company is showing a low complaint total outside of the BBB with none explicitly calling the company a ripoff. NXGEN’s apparent partnership with First Data Global Leasing does provide some cause for concern, so business owners should read their contracts carefully and compare all of NXGEN’s terms to those of low-cost payment processors to get the best deal.

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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 NXGEN Payment Services Treat You?

4 User Reviews

  • Sandra Gresham


    I have a Non-profit Merchant Account, and it appears that NXGEN is the only one making a Profit by accumulating daily Interest off of our funds. They have horrible Customer Service, a whole week has gone by and NXGEN is still holding on to my funds. Every time I call a recording comes on saying: No Agents are available at this time 24/7. I will be accepting BITCOIN payments goinf forward, the funds are available instantly!!!

  • Brittany Matthews

    Over billing, advised me time and time again that I would receive a credit for over billing. Bills kept coming in no credit. Overcharging for the amount of machine we had on site and refused to credit. Then after switching to another Elavon provider they continued to bill us for 4 months!!!! after we discontinued services! I am in the process of trying to get a human on the phone to credit for that and most likely will not ever see one!

    • Dianne

      Been trying to get in touch with these people for 6 months now. We are still receiving monthly rental charges for a P.O.S. machine we returned in June. Our invoices are coming from Knoxville TN. No one from customer services has replied to my emails or phone calls to their 1800 number based in Toronto ON.

  • Ghulam Sharezadah

    this company is messed up and it is not reliable at all. they lie and screw your business up. few years ago 2 individual walked into my shop mislead me and misinformed me into doing business with this company. first they offered me better rate and service with merchant debit machine and then later on they started changing me random fees and they signed me up for a 5 yr term with the most corrupted company NORTHERN LEASING for the equipment. They have even given them my personal information , my SIN number and now that trash company is destroying my credit all because of this trash company. i was paying free money to 3 different freaking company. I was paying to ELAVON , NXGEN and northern leasing every month untill i found out about them and tried to terminate it but couldnt since they hooked me up in stupid contract and untill now getting charges. i would never ever recommend anyone to do business with these crooks…

    This post will help: Cancelling a Merchant Account Without Paying a Fee


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