Painless Processing Overview
Founded in 2009, Painless Processing is a merchant account provider that specializes in serving high-risk business types. The company also appears to operate under the names “Best Rate Merchant Service, “CC Rebills,” “Risk Free Merchant,” and “Secure Painless Systems.” Painless Processing resells the products and services of EVO Payments International.
Article Summary
Before we dive in, here’s a short summary of what we’ll cover:
- Painless Processing’s various payment processing services.
- The company has received few complaints.
- Painless Processing offers services to most businesses, including high-risk.
- There is little information available about the company contract.
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Painless Processing Payment Processing
Painless Processing processes all major debit and credit cards for high-risk industries ranging from adult entertainment to firearms and ammo. Their services include PCI and DSS compliance, terminals and POS systems, mobile solutions, access to e-commerce solutions including payment gateways, e-check processing, ACH services, MOTO, next-day funding, chargeback and fraud protection, and business loans.
E-Commerce Solutions
The company provides e-commerce solutions that enable online stores to accept payments securely. With an emphasis on a streamlined user experience, Painless Processing ensures that online businesses can manage transactions with ease.
Point of Sale Systems
Painless Processing has Point of Sale (POS) systems that are suitable for physical storefronts. These systems combine hardware and software to facilitate seamless in-store transactions, inventory management, and other retail needs.
High-Risk Merchant Services
Painless Processing specializes in offering solutions for high-risk merchants, a sector often underserved by traditional payment processors. They provide customized services that help high-risk businesses operate more securely and efficiently.
Mobile Payment Solutions
For businesses that operate outside of traditional settings, Painless Processing offers mobile payment solutions. These allow merchants to process transactions anywhere via smartphones or tablets, providing added flexibility.
Payment Gateway Integration
The company’s payment gateway integration service allows businesses to connect their online store or application to a payment processing platform, making it easier to manage and accept online transactions.
Security Measures
Security is a significant concern for Painless Processing. They offer various features such as fraud prevention tools and PCI compliance to help businesses protect sensitive customer data and financial information.
Location & Ownership
The company is likely partnered with multiple acquiring banks, including offshore banks, to ensure that it can place certain high-risk business types. Painless Processing does not disclose the identities of its executive leadership team, but Eli Rubin, the CEO of Best Rate Merchant Service, may serve in a leadership role at the company. Painless Processing and its DBAs are headquartered at 4680 East Los Angeles Ave, Suite C Simi Valley, California 93063.
Key Persons
Customer Reviews & Sentiment
Low Complaint Total
We are currently able to locate only one negative Painless Processing review, and this complaint does not accuse the company of being a ripoff or scam operation. The company’s lone public complaint is actually filed against both Painless Processing and Best Rate Merchant Service, and it accuses a sales representative of withholding important information during the sales process. The sales representative responded to this complaint in a professional tone. We also found one other public complaint against Best Rate Merchant Service, accusing the company of being a scam for withholding funds and terminating the merchant account without payout. If you have your own Painless Processing review to make, please do so in the comments below.
Painless Processing Lawsuits
We have not found any outstanding class-action lawsuits or FTC complaints filed against Painless Processing. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
Painless Processing Customer Support Options
Painless Processing lists phone contact information on its website, but its support options aren’t sufficient to qualify it as a top-rated provider for great customer service.
Painless Processing Customer Service Numbers
- (877)996-2795 – Toll-Free Support
- (954)333-3820 – Local Office
Other Support Options
- Support form
- Customer service email address at info@painlessprocessing.com
Industry Scores & User Ratings
No Profile
The Better Business Bureau does not maintain a profile for Painless Processing at this time. We therefore will not factor a BBB rating into this review. Merchants should note that Best Rate Merchant Service has an “A+” rating with the BBB.
Processing Rates & Fees
No Contract Complaints
There is very little publicly available information about the standard Painless Processing contract at this time. The company does not list its pricing and fees on its website, and there are no public complaints that mention specific rates or fees. There is also no indication that Painless Processing’s pricing competes with the cheapest credit card processors. The company’s focus on high-risk industries means that its pricing and contract terms must be flexible depending on each business’s product, time in business, sales volume, and processing history.
Virtual Terminal and Payment Gateway Pricing
In addition to its storefront payment processing services, Painless Processing 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.
High-Risk Merchant Account Terms
The company may enforce common high-risk merchant account policies like a cash reserve, or it may charge higher-than-average per-transaction fees to compensate for an elevated risk of chargebacks. Readers should be sure to inquire about all contract terms and to verify whether there is a separate agreement for leased equipment. If you have any knowledge of the standard Painless Processing contract (including any early termination fees or PCI compliance fees), please share that information in the comment section below this review.
Bottom Line
Painless Processing rates as a reliable high-risk credit card processing provider according to our rating criteria. The company has a low complaint total across all of its DBAs, but readers should be sure to request full disclosure of all rates and to compare Painless Processing’s contract terms to the top-rated high-risk payment processors. Our rating for Painless Processing may change as more client feedback about the company becomes available.
Overall Rating
