Payment Logistics 2023: Card Processing Reviews & Complaints,

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Payment Logistics Rating
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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.

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.

Table of Contents

Payment Logistics Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
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 a few Payment Logistics reviews, one of which was later recanted due to no fault on the part of the company. Another Payment Logistics review, found in the comment section of this review, involved a client being improperly billed for an early termination fee. The president of Payment Logistics followed up on this incident to state that the charge was a mistake, and the business’ money was refunded. There are also numerous older complaints about a company that is apparently running a check scam and using the same business name as Payment Logistics. This company should not be confused with the Payment Logistics organization that is the subject of this review. If you have your own Payment Logistics review to make, please do so in the comments below.

Payment Logistics Lawsuits and Fines

We have not found any outstanding class-action lawsuits or FTC complaints filed against Payment Logistics. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Payment Logistics Customer Support Options

The Payment Logistics website offers a dedicated phone number for customer support, although it’s unclear whether this line is serviced by Payment Logistics or First Data (Fiserv). While phone support is a solid offering from the company, it falls short of our expectations of the top-rated merchant accounts for great customer service.

Payment Logistics Customer Service Number

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

Other Support Options

Payment Logistics Online Ratings

Here's How They Rate Online

Online Ratings Summary
Item Result
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
Item Result
Cancellation Penalties Yes
Monthly & Annual Fees Unclear
Processing Rates 1.00% - 4.99%
Equipment Leasing Yes

Three-Year Contract

Payment Logistics’ standard merchant account contract has a service agreement of three years with a $250 early cancellation fee, although this fee can be as much as $500. An agent of the company reported that the service agreement locks the processing rates and that the company cannot raise them without giving notice to the client. In the event that Payment Logistics wants to raise a business’ processing rates, the company will give the client 30 days to cancel service with no penalty. Additionally, Payment Logistics states that it offers a rate match guarantee and will match any serious quotes from other processors while the business is under contract.

Rates Vary By Agent

Aside from these policies, the company’s rates, fees, and contract terms may vary from one client to the next, so business owners are advised to fully read and understand the terms of the merchant account agreement prior to signing. It is uncertain at the time of this review whether Payment Logistics charges a PCI Compliance fee. In general, though, the company’s pricing falls somewhere between industry averages and the cheapest merchant accounts. If you have information regarding any of the company’s pricing, please leave it in the comment section below.

Payment Logistics Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Item Result
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

Although it is a smaller processor, Payment Logistics appears to be a solid credit card processing provider that is able to serve just about any business type. The terms of the Payment Logistics merchant account contract may vary by merchant, so be sure to read your contract thoroughly. The company can improve its rating slightly by removing the early termination fee from its agreement. Until it does, business owners should compare its pricing to that offered by top-rated merchant account providers.

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Your Comments & Reviews

How Did Payment Logistics Treat You?

2 Responses

  • 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.

  • 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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