Pineapple Payments Card Processing Reviews & Complaints
Company Overview
Founded in 2016, Pineapple Payments is a merchant account provider offering a full range of terminal and software-based payment processing options.
In October of 2017, Pineapple Payments announced its acquisition of Payline Data. The acquisition of that company means Pineapple Payments will provide its services to nearly 10,000 merchants with a combined annual processing volume of over $2 billion. Despite being a relatively new company, its advanced payment technology and experienced executive leadership have allowed the company to flourish in the 3 years or so it has been in business. Pineapple Payments also acquired Boston-based Beacon Payments and fellow Pittsburgh-based merchant account provider CardChamp in 2019.
In 2021, Pineapple Payments was acquired by mega-processor Fiserv. Fiserv appears to operate the company under its own brand.
Pineapple Payments Payment Processing
Pineapple Payments processes all major debit and credit cards. The company utilizes Worldpay, TSYS, and First Data (Fiserv) to offer merchants of all sizes omnichannel payment processing services. In addition to payment processing, the company also offers Quickbooks integration services. That facet of the company's services allows merchants to set up recurring billing, AR/AP tracking, and customized payment pages such as bill-pay portals. They also offer ACH payments, mobile, and e-commerce.
POS System Service by Pineapple Payments
Pineapple Payments offers a feature-rich Point of Sale (POS) system service that goes beyond traditional payment processing. The solution is designed to streamline the payment experience, making it faster and easier for businesses and their customers.
Mobile POS Service: Payments on the Go
The mobile POS service by Pineapple Payments allows businesses to accept payments from virtually anywhere. This is particularly beneficial for businesses operating on the go, such as food trucks, home service providers, or market vendors. With this service, credit and debit card payments can be processed using a mobile device, making transactions more convenient for everyone involved.
E-Commerce Payment Processing
Pineapple Payments recognizes the growing demand for online shopping and has tailored its e-commerce payment processing accordingly. The company provides a secure online payment gateway that allows businesses to safely and efficiently handle online transactions, meeting the needs of modern consumers who prefer the convenience of online shopping.
Virtual Terminal Service for Remote Transactions
With Pineapple Payments' virtual terminal service, businesses can process credit card transactions remotely. This feature allows businesses to manually enter card details into a secure web-based system, making it an excellent option for phone or mail-order businesses.
Integrated Software for Streamlined Operations
Finally, Pineapple Payments provides integrated software solutions that help businesses manage and streamline their operations. These tools not only support payment processing, but they also facilitate functions like inventory management, customer relationship management (CRM), and data analysis, helping businesses to operate more effectively and efficiently.
Location & Ownership
Pineapple Payments is headquartered at 11 Stanwix Street, Suite 1202, Pittsburgh, PA. The company is a registered ISO of Wells Fargo Bank, N.A., Concord, CA and Deutsche Bank Trust Company Americas, New York, NY. Brian Shanahan, formerly the CEO of CardConnect, is now the CEO of Pineapple Payments and Jon Halpern is a co-founder.
| Pros: | Cons: |
|---|---|
| Few complaints, quick resolution. | No external reviews found. |
| Big company, many perks. | Contract terms unclear. |
| Accepts major payment types. | Uses independent marketers. |
| Extensive tech support. | Additional fees unspecified. |
| Charitable roundup options. | Setup time unknown. |
Pineapple Payments Customer Reviews
Here's What Their Clients Say
| Total Online Complaints | <10 |
|---|---|
| Live Customer Support | Yes |
| Most Common Complaint | N/A |
| Recent Lawsuits |
Pineapple Payments Customer Reviews
As of our latest research, there appear to be no Pineapple Payments reviews characterizing the company as fraudulent or untrustworthy. While this indicates a positive perception, we encourage customers who have interacted with Pineapple Payments to share their experiences and leave a review in the comments below, contributing to a comprehensive understanding of the company’s services.
Legal Inquiries into Pineapple Payments
There are currently no recorded class-action lawsuits or FTC complaints against Pineapple Payments. For those who may have unresolved issues with Pineapple Payments but prefer a non-confrontational resolution, reporting to relevant authorities can be an effective course of action.
Pineapple Payments Support Accessibility
Unlike some competitors, Pineapple Payments does not offer a dedicated email address or direct phone line specifically for customer service inquiries. Support for resellers exists, but this is not directly beneficial to end customers seeking assistance. The company does provide general phone support and a chat option for client assistance, but it is important to note that these are not available 24/7, with availability limited to standard business hours. This limited accessibility indicates room for improvement in customer support compared to leading merchant account providers.
Contact Information for Pineapple Payments Support
- (412) 235-7235 – General Support
While Pineapple Payments maintains a commendable complaint record, their current customer service offerings, particularly the absence of round-the-clock support, lag behind the benchmarks set by other major merchant account providers known for excellent customer service.
Pineapple Payments Online Ratings
Here's How They Rate Online
| BBB Reports | 5 |
|---|
A New Profile
Pineapple Payments recently received a profile with the BBB. According to the Better Business Bureau, Pineapple Payments has received 5 complaints in the past 36 months and currently holds an “A+” rating. Pineapple Payments has successfully resolved 4 of these complaints to the satisfaction of the merchant, while the remaining 1 was either resolved to the dissatisfaction of the merchant or received no final reply.
What Merchants Say
GoDaddy has also received 0 reviews in the past 36 months.
An “A” Performance
We agree with the Better Business Bureau’s rating of an “A” at this time.
Pineapple Payments Fees, Rates & Costs
A Closer Look at The Contract
| Cancellation Penalties | Yes |
|---|---|
| Monthly & Annual Fees | Yes |
| Processing Rates | Interchange-Plus |
| Equipment Leasing | Yes |
Pineapple Payments Pricing
Pineapple Payments has not publicly disclosed its rates, fees, merchant agreement, or contract terms. Customer feedback indicates the availability of interchange-plus and flat-rate pricing options. Through partnerships with Worldpay, TSYS, and First Data for backend processing, Pineapple Payments likely inherits and passes on the fees characteristic of these providers, in addition to Pineapple’s own transaction fees.
Typically, contracts with Worldpay, TSYS, and First Data span three years with one-year automatic renewal clauses, including PCI compliance and early termination fees that may reach up to $25 monthly and $495, respectively. Additionally, contracts may feature non-cancellable equipment leases through First Data Global Leasing.
Virtual Terminal and Payment Gateway Pricing
Pineapple Payments also promotes its virtual terminal and payment gateway services, with specific pricing dependent on the backend processor’s contract a client selects. Expect additional costs such as gateway fees, technical support fees, batch fees, and other transaction-related charges for these e-commerce solutions.
Transparent Rates with the Possibility of High Fees
The provision of interchange-plus pricing by Pineapple Payments offers merchants clear and competitive rates, but this advantage may be counterbalanced by potentially significant fees associated with its backend processors. For alternatives that might offer more favorable terms, business owners are recommended to explore our curated list of the top merchant account providers.
Pineapple Payments Employee Reviews & Sales Tacitcs
Should You Work For Them?
| Uses Independent Resellers | Yes |
|---|---|
| Telemarketing | Unclear |
| Misleading Marketing | No |
| Discloses All Important Terms | No |
A Company Hiring Independent Resellers
According to the company’s website, Pineapple Payments hires independent resellers. The company has separate programs for agents, ISOs, and ISVs. Each program offers comprehensive training and support that maintains the integrity of these independent resellers. Unsurprisingly, there are no available Pineapple Payments reviews indicating that they engage in deceptive sales practices.
This compares favorably to our list of best credit card processors.
No Deceptive Advertising
To its credit, Pineapple Payments does not appear to engage in any deceptive advertising strategies in its official materials. However, a pricing schedule or copy of its standard contract is not readily available. Given its comprehensive effort to ensure quality partnerships with its independent resellers, we award the company a grade of an “A.” If you suspect that Pineapple Payments is charging you undisclosed fees, we recommend seeking an independent statement audit to find and eliminate hidden charges.
Our Pineapple Payments Review Summary
Our Final Thoughts
Given its leadership team’s experience in the credit card processing industry, Pineapple Payments is able to offer comprehensive in-store and online merchant accounts. Its ability to offer interchange-plus pricing along with being backed by processors who are industry stalwarts makes it a viable option for businesses of all sizes.
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Barbara villeneuve
Tried to cancel 1.99 charge look something up had a short time to cancel could not find the site to cancel
LBS
SHADY SHADY SHADY. No one can explain charges in our operating account. Strange withdrawals without explanation. Crazy experience. Highly do NOT recommend.
Fayzillo Akhmedov
I do not recommend this company. They have been overcharging me and putting charges that they can’t explain properly. Some of their explanations contradict each other. After getting tired of dealing with them and getting nowhere, I disputed the charges through my bank. Shady business.