Payment Logistics Reviews & Complaints

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Company Overview

Founded in 2004, Payment Logistics LLC is a small-to-mid-sized payment processor based in San Diego, California. Though the company has previously claimed to be a direct processor, it uses the First Data (now Fiserv) network for its processing purposes.

In 2022, Payment Logistics was purchased by Fortis. It appears the two companies are merging, and it's unclear what this means for the PL brand at this time.

Payment Logistics Payment Processing

Payment Logistics processes all major debit and credit cards, and it primarily focuses on providing merchant accounts, credit card processing hardware and software, and related data security services. Their services include EMV card readers and swipers, NFC payments, mobile payments, POS solutions, e-commerce solutions, and gift and loyalty programs.

Integrated Payment Solutions for Businesses

Payment Logistics offers comprehensive integrated payment solutions that cater to businesses across various sectors. This involves aligning the payment processing system with the businesses' existing Point of Sale (POS) or management software. The benefit here is that businesses can manage transactions and track sales records without the need for multiple systems.

Paygistix Technology Platform

At the heart of Payment Logistics’ services is its proprietary Paygistix technology platform. Paygistix is designed to provide businesses with an array of tools and features, including transaction management, in-depth reporting, and payment processing.

Payment Logistics 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

Minimal Complaint Total

Our search has yielded only a handful of Payment Logistics reviews, one of which was later retracted as it was unrelated to the company’s services. Another review, retrieved from the comments section, highlighted an instance where a client was erroneously billed for an early termination fee. The president of Payment Logistics promptly addressed this issue, clarifying it as a mistake and issuing a refund. Additionally, there are several dated complaints regarding a different entity using the same business name as Payment Logistics, involved in a check scam. It’s crucial not to conflate this unrelated entity with the Payment Logistics under review. If you have feedback or a review of your own experience with Payment Logistics, please share it in the comments below.

Payment Logistics Legal Standing

No class-action lawsuits or FTC complaints are outstanding against Payment Logistics. Clients dissatisfied with their experience and seeking recourse may consider reporting their concerns to relevant supervisory organizations.

Payment Logistics Customer Support Channels

While Payment Logistics provides a dedicated phone support number, it remains unclear whether this line is managed by Payment Logistics or First Data (Fiserv). Although phone support is a commendable feature, it falls short of the expectations set by top-rated merchant accounts known for exceptional customer service.

Payment Logistics Customer Service Number

  • (888) 972-9564 – Toll-Free Support

Other Support Channels

Payment Logistics Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Reports 0

Clean Complaint Record

As of this review, Payment Logistics has been accredited with the Better Business Bureau since 2005 and holds an “A+” rating. In the last 36 months, the BBB is reporting that the company has received 0 complaints. Payment Logistics has also not received any informal reviews to its BBB profile.

An “A” Performance

Given the company’s clean complaint record, we agree with the BBB’s rating at this time. Business owners should note, however, that there are reasons to be skeptical of the BBB’s rating system.

Payment Logistics Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties Yes
Monthly & Annual Fees Unclear
Processing Rates 1.00% - 4.99%
Equipment Leasing Yes

Three-Year Contract

Payment Logistics offers a standard merchant account contract with a three-year term, accompanied by an early cancellation fee of $250, which may escalate to as much as $500 under certain conditions. A company representative has clarified that this agreement secures the processing rates, prohibiting any increases without prior notice to the client. Should Payment Logistics decide to adjust a business’s processing rates, it will provide the client with a 30-day window to terminate the service without incurring a penalty. Furthermore, Payment Logistics commits to a rate match guarantee, promising to meet or beat any competitive quotes from other processors for the duration of the contract.

Rates Vary By Agent

The company’s rates, fees, and contract terms might differ significantly between clients, urging business owners to thoroughly review and comprehend the merchant account agreement before signing. Currently, it is not clearly stated whether Payment Logistics imposes a PCI Compliance fee. Generally, the company’s pricing strategy is positioned between the industry average and the more affordable options available, as indicated by a comparison with the least expensive merchant accounts. For more detailed insights on the company’s pricing structure, including fees and contract specifics, stakeholders and potential clients are encouraged to contribute information in the comments section.

Payment Logistics Employee Reviews & Sales Tacitcs

Should You Work For Them?

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

Inside/Outside Sales Team

Payment Logistics appears to market its services primarily through inside sales agents, outside independent sales agents, sub-ISOs, payment technology providers, trade associations, and community banks. Although the use of independent sales agents and sub-ISOs would normally lower a company’s rating in this section, it has not generated any Payment Logistics sales complaints.

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

No Deceptive Quotes

As a point in its favor, the company does not appear to use misleading marketing or rate advertising in its official materials. If you suspect that a Payment Logistics representative has added hidden fees to your contract, we recommend seeking a third-party statement audit to find and eliminate unnecessary charges.

Our Payment Logistics Review Summary

Our Final Thoughts

Despite its relatively smaller size, Payment Logistics has established itself as a reliable credit card processing provider capable of serving various business types. Its adaptable approach ensures merchants receive tailored solutions that meet their specific needs. However, it’s important for merchants to carefully review their contract terms, as the details may vary depending on individual agreements. This careful scrutiny helps businesses understand the nuances of their contracts and make the most informed decisions.

The company’s reputation is strong, but it could be further enhanced by eliminating the early termination fee from its agreements. Such a move would increase transparency and flexibility, making it more attractive to prospective clients. Until this improvement is made, business owners should remain diligent in comparing Payment Logistics’ pricing and terms with those of leading merchant account providers. This comparison will help ensure they select the provider offering the best value and services that align with their business goals.

Location & Ownership

Payment Logistics is a registered ISO/MSP of Wells Fargo Bank, N.A., Concord, California, with headquarters at 11011 N Torrey Pines Rd #250, La Jolla, California 92037. Dustin Niglio is listed as the CEO of Payment Logistics. Britton Niglio is also listed as a founder of PL.

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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 Payment Logistics Treat You?

2 User Reviews

  • Dustin Niglio

    From Management:

    We do not assess an early termination fee when a merchant closes their doors. Unfortunately, we do not always learn why an account is closed at account closure. Once this was brought to our attention, we refunded this merchant right away. We regret the inconvenience this caused Teresa and wish her the best of luck in here future endeavors.

    Our early termination policy is designed to cover expenses associated with an account that we may not recoup should the account not live out the initial contract term. We also have a rate match guarantee so regardless whether the account is within the initial contract term or not, we will always match or beat a competitive rate. That way our clients never have to worry about being locked into a deal that is not competitive.

  • Teresa

    I just closed my account with Payment Logistics since I had to close my retail store. I was slammed with a $500 fee even though when I signed on with them I told them that my lease wasn’t even as long as the contract and I wasn’t sure that I’d renew the lease. I was assured that I wouldn’t be charged the fee if I closed my shop, that it was just if I dropped them for another processor for my store. I also find it poor business practice if they charge the full $500 even if you are just barely short your contract term, but that’s beside the point. Anyway, a rep at the 1-800 number, along with my local rep’s boss, both told me they would reverse the fee, but I NEVER heard back from them, after numerous attempts. Although they initially claimed THEY were different and honest and fair, this company seems to be as sleazy as the rest of them!

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