Painless Processing 2023: Reviews & Complaints
(877) 996-2795 Company 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.
Table of Contents
- Costs & Contract: Appears to offer variable contract terms depending on…
- Complaints & Service: Has received fewer than…
- BBB Rating: Does not have a profile with the…
- Sales & Marketing: Appears to hire independent sales representatives but has not…
Painless Processing Customer Reviews
Here's What Their Clients Say
| Item | Result |
|---|---|
| Total Online Complaints | <10 |
| Live Customer Support | Yes |
| Most Common Complaint | N/A |
| Recent Lawsuits | No |
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 [email protected]
The Painless Processing customer support page
Painless Processing Online Ratings
Here's How They Rate Online
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.
Painless Processing Fees, Rates & Costs
A Closer Look at The Contract
| Item | Result | >
|---|---|
| Cancellation Penalties | Unclear |
| Monthly & Annual Fees | Unclear |
| Processing Rates | 1.00% - 4.99% |
| Equipment Leasing | Unclear |
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.
Painless Processing Employee Reviews & Sales Tacitcs
Should You Work For Them?
| Item | Result |
|---|---|
| Uses Independent Resellers | Yes |
| Telemarketing | Likely |
| Misleading Marketing | No |
| Discloses All Important Terms | No |
Mixed Sales Approach
Painless Processing appears to market its services through referral partnerships, ISOs, and independently contracted sales agents. The use of independent agents is commonly linked to elevated complaint rates within the credit card processing industry, but we are currently unable to locate any Painless Processing reviews that accuse the company’s sales team of deceptive conduct. This is a positive sign that the company provides sufficient training, support, and oversight for its independent agents. In addition, Best Rate Merchant Service also does not have any client complaints about its sales team.
Somewhat Misleading Quotes
At the time of an earlier update, the Painless Processing website quoted rates of “1.99 per swipe + 10¢ per transaction / 5¢ per debit or 2.69% flat rate + no transaction fee for MO/TO & E-commerce.” These rates have since been removed but were likely the company’s lowest qualified rates, and they made no mention of the higher mid-qualified and non-qualified rates that clients would pay for the majority of their transactions.
Serving More Than High-Risk Merchants
Painless Processing directs its marketing toward high-risk business accounts. The company promotes that it serves adult entertainment businesses, start-ups, debt collectors, firearms dealers, e-cig manufacturers, and supplement companies among others. Businesses in those respective industries often face higher rates and fees than conventional businesses. As such, merchant account providers often specialize in solely serving those sorts of companies to concentrate on the unique needs they face. While Painless Processing certainly serves high-risk businesses, their website also advertises that they offer dedicated services to low-risk businesses as well.
An Improved Rating
We typically consider this type of rate quoting to be deceptive because it could give clients an unrealistic expectation of the rates they will pay. However, Painless Processing mitigated the issue somewhat by pointing out that these rates were only “for competitor accepted and approved merchants.” Since these rates are no longer on the company’s website, we will raise the company’s score to an “A.” If you suspect that Painless Processing is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden costs.
Our Painless Processing Review Summary
Our Final Thoughts
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.
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Alan Sue
I’m thrilled to share my exceptional experience with Painless Processing! As a business owner, I was constantly seeking a reliable payment processing solution, and I found my perfect match with them. From day one, their team exhibited utmost professionalism, guiding me seamlessly through the setup process.
Painless Processing’s platform is a game-changer, streamlining my transactions and effortlessly managing payments. Their secure system gave me peace of mind, knowing my customers’ data is protected. The real-time reporting tools have been incredibly helpful in monitoring sales and tracking trends.
What truly sets them apart is their unparalleled customer support. Whenever I had questions or needed assistance, their dedicated team was just a phone call away, always ready to lend a helping hand.
In short, Painless Processing has transformed the way I conduct business, making payment processing a breeze. I wholeheartedly recommend them to any business seeking a trusted, hassle-free payment solution.