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Should You Choose PinnacleCart? Full Review & Breakdown

Name: PinnacleCart
Item: PinnacleCart
Rating: 5
Author: Phillip Parker

Author: Phillip Parker

Updated: September 25, 2025

Maintained Since: August 12, 2019

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We take our role in providing guidance and education regarding the card payment industry very seriously. At our own expense, we have vigorously defended our right to continue expose unethical and predatory practices in the industry, successfully defeating every attempt to silence us. However, fending off frivolous lawsuits is costly. To sustain these efforts, one of the ways we generate revenue is through affiliate partnerships with ethical providers. This means that some of our outgoing links connect business owners to trustworthy, low-cost payment processors, which is what most of our readers seek. We see this revenue channel as a win-win-win for everyone involved. Business owners find good processors, processors get good clients, and we are able to continue to provide a valuable service to the small business community. We also recommend and link to many services that do not compensate us. Our priority is to guide you to the best solutions for your needs, regardless of potential revenue. If you have questions, please feel free to contact us.

All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.

PinnacleCart

Rating

5/5

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Pros

No transaction fees

24/7 customer support

Supports multiple products

Various payment gateways

14-day free trial

Cons

Higher pricing tiers

No mobile app

Learning curve

Limited scalability

Basic reporting features

Overview

In this review of PinnacleCart, we take a closer look at the company’s e-commerce platform and its features. Their services include shopping cart functionality, payment processing integrations, and customization options built for different types of businesses. We’ll highlight which businesses may benefit most from these tools. We’ll also review customer feedback to show common trends and concerns. In addition, we’ll break down pricing, contract terms, and included services. By the end, you’ll know whether PinnacleCart is the right choice for your e-commerce needs.

About PinnacleCart

Screen Capture of PinnacleCart Homepage — PinnacleCart Homepage

Established in 2003, PinnacleCart is an e-commerce platform that provides merchants with payment processing-integrated online stores. PinnacleCart’s preferred merchant account integration is WorldPay, but merchants are free to integrate a wide number of popular alternative payment processors if they wish to do so.

Products & Merchant Services

Payment Processing

PinnacleCart offers payment processing for debit and credit cards across various business types, along with additional business services. Their payment processing includes mobile payments, e-check and ACH processing, recurring billing, B2B Level 2 and 3 processing, and QuickBooks integration.

Marketing and SEO Tools

PinnacleCart provides built-in marketing tools to enhance customer engagement and retention. These tools include email marketing, discount and coupon codes, product reviews and ratings, among others. Additionally, PinnacleCart offers SEO tools designed to improve a company’s visibility in search engine results.

Security Features

Recognizing the importance of online security in e-commerce, PinnacleCart ensures that its platform is PCI compliant and includes SSL certificates. These security measures help protect customer data and build trust with customers, safeguarding the business.

Customer Reviews & Sentiment

Positive User Feedback

We’ve identified over 10 PinnacleCart reviews, and none of them accuse the company of fraudulent activities or scams. While some users have reported product malfunctions and issues with customer support, these incidents appear to be isolated and not indicative of widespread problems among the majority of users. If you’ve had an experience with PinnacleCart, we invite you to share your review in the comments section below.

Legal Standing and Regulatory Compliance

As of our investigation, there are no ongoing class-action lawsuits or FTC complaints against PinnacleCart. Clients dissatisfied with their experiences have the option to report concerns to relevant supervisory organizations for further investigation.

Customer Support Excellence

PinnacleCart offers a range of customer support options, including dedicated phone, email, and chat support. Some service plans even include “priority” support, although this may result in longer wait times. These customer service offerings align with our expectations of top-rated processors for customer service.

Industry Scores & User Ratings

Online Ratings Summary
PaymentPop	5
BBB Rating	1
Average Rating	3

PaymentPop Rating for PinnacleCart

Negative Feedback

There are no negative reviews published about PinnacleCart on the PaymentPop website.

Positive Feedback

PinnacleCart made launching our online store incredibly straightforward. The platform is user friendly, highly customizable, and comes with built-in payment tools that just work. It gave us everything we needed to sell confidently and grow fast.

PinnacleCart BBB Rating

PinnacleCart has no rating at this time and is not BBB accredited. The BBB complaints board shows 0 registered issues within the last three years. The company also has not received any informal reviews on its BBB profile, although it should be noted that these reviews are not subject to verification by the BBB. PinnacleCart has a 1 out of 5 star rating based on 1 user reviews on the Better Business Bureau website.

An “A” Performance

Since it is our philosophy that “A” ratings should be reserved for companies with zero complaints, we agree with the BBB’s former rating in this case. However, business owners should keep in mind that there are reasons to be skeptical of BBB ratings.

Processing Rates & Fees

Month-to-Month Contract

PinnacleCart provides a flexible offering for clients, allowing them to either host their websites directly with PinnacleCart for a monthly fee or opt for a self-hosting arrangement by purchasing a license for a one-time fee. Recurring payment plans are billed monthly, offering the convenience of cancellation at any point should the need arise.

Hosting With PinnacleCart

PinnacleCart’s hosting service features two main pricing tiers: the Standard and Advanced plans. The Standard plan, priced at $79.95 monthly, delivers all the fundamental platform capabilities, zero transaction fees, an optional dedicated SSL, 10 gigabytes of storage, and 20 gigabytes of bandwidth. For more demanding businesses, the Advanced plan is available at $199.95 monthly, enhancing the Standard offering with an included dedicated SSL, priority support, and unlimited storage and bandwidth. Additionally, an Enterprise solution is tailored to meet specific business needs with custom pricing, incorporating all advantages of the Advanced plan.

Self-Hosting

For businesses preferring to manage their site hosting, PinnacleCart offers a platform license at $1,495 per domain. This fee encompasses a year of customer support and software updates, with the option to continue these services annually for $299.

Other PinnacleCart Fees

Users of the hosted solution might incur extra costs for exceeding bandwidth and disk space allocations, specifically $3.50 per gigabyte for bandwidth and $10 per 100 megabytes for disk space in the Startup and Standard packages. PinnacleCart does not provide merchant accounts, hence it doesn’t impose payment processing fees.

No Red Flags

There haven’t been significant complaints regarding PinnacleCart’s contract conditions. Although some payment processors compatible with PinnacleCart are noted for steep pricing and strict contracts, PinnacleCart’s ecommerce solutions are well-regarded when matched with cost-effective payment processing options.

Business owners seeking competitive merchant services should consider reviewing our compilation of the best merchant accounts.

Employee Reviews & Sales Practices

No Independent Agents

PinnacleCart appears to rely on traditional advertising, resellers, and affiliates to market its services. There is no evidence at this time indicating that the company employs independent sales agents. The fact that PinnacleCart does not itself provide merchant accounts means that it is unlikely to engage in many of the high-pressure sales techniques that are common to the payment processing industry.

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

No Misleading Quotes

As of this update, we are unable to locate any PinnacleCart reviews that report unethical behavior by the company’s sales team. Additionally, the company does not appear to engage in any deceptive advertising strategies in its official materials. However, if you suspect that PinnacleCart is charging you undisclosed fees, we recommend seeking a third-party statement audit to eliminate hidden charges.

PinnacleCart Competitors

Compare PinnacleCart to competitors that earned top marks.

Pricing

Bottom Line

PinnacleCart is considered a dependable online store provider with integrated credit card processing, according to all available information. The company stands out for its fair pricing and flexible contract options, enabling businesses to adapt the service to their specific needs. Moreover, PinnacleCart maintains a strong reputation, evidenced by the minimal number of public complaints it has received.

To achieve the lowest possible costs for their e-commerce store, businesses are encouraged to pair PinnacleCart with a budget-friendly merchant account. This combination will help them maximize value, streamline operations, and secure a reliable platform for online transactions while maintaining high-quality service and customer support.

Read Actual User Reviews

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All user reviews have been moved to our partner, PaymentPop.com

Contact PinnacleCart

Contact & Customer Support
CEO	Craig Fox
Headquarters	25568 Genesee Trail Rd, Golden, CO 80401
Toll-Free Support	(800) 506-0398
Local Office	(602) 734-0244
Additional Support Channels	Online Contact Form
Website	pinnaclecart.com

About Us

CardPaymentOptions.com

Established 2009

My name is Phillip Parker, and I started this website back in 2009 as a simple blog to call out shady credit card processors that were taking advantage of small business owners. At the time, I had no idea this side project would grow into a leading voice pushing for transparency and integrity in the payment processing industry. I also didn't anticipate just how far some of these companies' owners would go to try to silence me.

I was recruited out of college for a sales role with a credit card processor. At the time, I didn't realize the “training” was really about tricking me... into selling business owners expensive processing with hidden fees and long-term service agreements. In my first few sales, I unknowingly cost friends and family thousands of dollars after they trusted me to switch their services. When it finally clicked that something was seriously wrong, I was furious. I quit immediately and made a promise to expose that company and any others operating the same way. That promise is what led to the creation of this website.

As I wrote about these processors, their tactics, and the people behind them, the articles started to spread among business owners. News organizations picked up the stories, readers shared them online, and traffic to the blog took off. Unsurprisingly, that also caught the attention of the companies and individuals I was exposing.

Over the last 17 years, I've received several anonymous death threats and defeated four lawsuits meant to intimidate me into taking my blog down. Their efforts to muzzle me only made my determination to expose them even stronger, leading me to work with state authorities to help shutdown some of the worst offenders.

I'm proud to say that of the millions of people who have read my work, thousands have taken the time to write and thank me for helping them narrowly avoid a very costly mistake. This blog has played a small role in pushing the industry toward more ethical practices - but there are still bad actors out there, which means the work isn't done.

If I can offer one piece of advice, it's this: get every promise in writing, and take the time to review contracts carefully. Tools like ChatGPT can help surface red flags and uncover expensive surprises buried in the fine print.

If you've made it this far, thank you for reading. I truly appreciate you being here, and I wish you every success with your business.

Our Research Methodology

Pricing & Fees

We analyze all costs including rate structures (interchange-plus, tiered, flat-rate, etc), monthly fees, equipment costs, early termination fees, and hidden charges. This data is gathered from service agreements, statements and client feedback.

Features & Technology

Evaluation of POS systems, e-commerce integrations, mobile capabilities, reporting tools, recurring billing..., and developer resources. When possible, we directly test services and hardware. Otherwise, we rely on client feedback and public information.

Customer Support

We evaluate availability across phone, email, chat, and social channels. Measuring hold times, night and weekend availability, and client feedback regarding effectiveness, professionalism, and resolution rates.

Contract Terms & Conditions

We review service agreements and equipment contracts for reasonability, transparency, and fairness. We focus on uncovering any predatory clauses, such as unjustified early termination fees, hidden costs, and unclear cancellation policies.

User Experience

We comb the internet and interview current and former clients to evaluate the overall user experience and identify any common pain points that may impact the user experience.

Sales & Marketing Practices

We evaluate sales tactics, marketing materials, and client feedback to determine the level of transparency and ethical nature of the provider's approach. Does the provider publicly disclose pricing? Do they use teaser rates? We score based on these and other factors.

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