Polaris Payments: Card Processing Reviews & Complaints

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Polaris Payments Rating
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Call Polaris Payments Call Polaris Payments (206) 905-4125 View Pricing

Company Overview

Polaris Payments, founded in 2011, is a merchant account provider that offers credit card processing for most standard-risk business types. The company is a broker and does not disclose the identity of its backend processor on its website, but its website states that it is not “tied to any one brand or rate,” meaning the company resells the services of several larger entities.

Article Summary

Before we dive in, here’s a short summary of what we’ll cover:

  • Polaris Payments’ various payment processing services.
  • The company has received few complaints.
  • There is little information available about the company’s contract.

Polaris Payments Payment Processing

Polaris Payments processes most major debit and credit cards for most business types. The company offers POS solutions through i3 VerticalsAloha, Clover, NCR, Poynt, and Silver Cloud. Their other services include next-day funding, mobile processing, virtual terminals, access to payment gateways, PCI validation, e-commerce solutions including shopping carts, data reporting and analytics, recurring billing, and integration with QuickBooks. They also offer growth solutions, including social media tools, text clubs, digital punch cards, marketing services, and cash advances. Polaris Payments emphasizes a commitment to social good, and its website advertises that it gives a percentage of its profits back to charity and offers lower processing rates for non-profit organizations.

Location & Ownership

Jason Keil is the founder and CEO of Polaris Payments, which is headquartered at 220 2nd Ave S, Seattle, Washington 98104.

Table of Contents

Polaris Payments payment processing services
Polaris Payments rates highly as a payment processor

Polaris Payments Customer Reviews

Here's What Their Clients Say

Key Points

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A
Recent Lawsuits No

No Merchant Complaints

We are unable to locate any negative Polaris Payments reviews, and there is no outward indication that the company is a scam or a ripoff. It is possible that some Polaris Payments complaints are instead filed against its backend processor, but for the time being, we are inclined to believe that the company simply offers helpful enough customer support to keep any complaints in-house. If you have your own Polaris Payments review to make, please do so in the comments below.

Polaris Payments Lawsuits

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

Polaris Payments Customer Support Options

The company offers live chat along with phone and email contact information on its website. Given the overall lack of complaints filed against the company, we will award Polaris Payments an “A” rating at this time, but its customer support options do not qualify it as a top-rated payment processor for customer service.

Polaris Payments Customer Service Number

  • (206) 905-4125 – Seattle Office
  • (615) 640-1396 – Nashville Office

Other Support Options

Polaris Payments Online Ratings

Here's How They Rate Online

Online Ratings Summary

BBB Reports 0

No BBB Complaints

Polaris Payments currently has an “A+” rating with the Better Business Bureau and was formerly accredited with the BBB since 2017 but is no longer accredited. The company has received 0 complaints in the past 36 months. It also has not received any informal negative reviews.

What Merchants Say

Though Polaris Payments has not received any complaints, it formerly received 5 informal reviews, all of which are positive. The most recent review praised the company’s attentive customer service:

I cannot say enough about Polaris Payments. They are extremely knowledgable and helpful not to mention friendly and easy to work with. I switched my main business over to Polaris and was so happy with them so I ended up switching my other business over to them as well. I would recommend to anybody!

Great customer service is a hallmark of a top merchant account provider. Readers should consider their best options for customer service before signing a contract.

An “A” Performance

In light of Polaris’s clean complaint record, we agree with the BBB’s rating. Readers should note, however, that there are good reasons to be skeptical of the BBB’s rating system.

Polaris Payments Fees, Rates & Costs

A Closer Look at The Contract

Key Points

Cancellation Penalties Unclear
Monthly & Annual Fees Yes
Processing Rates Variable
Equipment Leasing Unclear

Polaris Payments Contract Terms

There is very little publicly available information about the standard Polaris Payments contract. The Polaris Payments website does claim that there are no long-term contracts, no hidden fees, and transparent pricing. Though the company does not list specific contract terms on its website, there are no client complaints that reference specific rates or fees. The company notably advertises i3 Verticals as the payment processor for the multiple POS systems it advertises.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Polaris Payments also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. The company’s website indicates it is a reseller of the TranSafe and Authorize.Net payment gateway. A standard Authorize.Net agreement charges a rate of 2.30% plus $0.30, a gateway fee of $25 per month, and a $0.10 batch fee.

No Red Flags

The absence of complaints about Polaris Payments on the usual consumer protection forums suggests that most of the company’s clients are satisfied with their contract terms. However, we have also seen no indication that Polaris’s pricing competes with the cheapest credit card processors. If you have any specific knowledge of the standard Polaris Payments contract, (including any early termination feesmonthly minimum fees, or PCI Compliance fees) please share that information in the comment section below this review.

Polaris Payments e-commerce

Polaris Payments offers a variety of e-commerce solutions, including virtual terminals and payment gateways

Polaris Payments Employee Reviews & Sales Tacitcs

Should You Work For Them?

Key Points

Uses Independent Resellers No
Telemarketing No
Misleading Marketing No
Discloses All Important Terms No

Inside Sales Staff

Polaris Payments appears to market its services primarily through an in-house sales team, referral partnerships, and traditional advertising. There is no evidence at this time that the company employs independently contracted sales agents, and we are unable to find any Polaris Payments reviews that mention deceptive conduct by the company’s sales agents.

No Deceptive Quotes

As an additional point in the company’s favor, the Polaris Payments website does not promote any misleading rate quotes or unrealistic guarantees. In general, there aren’t any red flags when it comes to Polaris Payments’ marketing tactics. That said, we always recommend that business owners consider a third-party statement audit to find and eliminate hidden fees.

Our Polaris Payments Review Summary

Our Final Thoughts

Polaris Payments rates as a reliable credit card processing provider according to all available information. The company has not received any public complaints and does not engage in outwardly deceptive sales tactics. Our rating for Polaris may be subject to change as more client feedback becomes available. Readers should be sure to inquire about all possible terms before signing up with Polaris Payments and should compare the company’s rates to those of top-rated providers.

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Your Comments & Reviews

How Did Polaris Payments Treat You?

4 Responses

  • Worked with Polaris and a non-profit, great experience and for a better price.

    • Phillip CPO

      Hi Josh, thank you for the testimonial. To authenticate it, we suggest replying with your information that identifies your business.

  • Jason Boisture

    I have found Polaris Payments to be a professional, responsive and honest company. Jason and his team will run an analysis and tell you whether or not they can save you money on CC processing fees — no BS, no high pressure sales pitch. I have enjoyed working with them.

    • Chris Tull

      I am considering doing sales work for Polarious Payments. Why do you like thier service and how were you charged?

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