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Is RedFynn the Right Choice for Your Business?

Name: RedFynn
Item: RedFynn
Rating: 2.9
Author: Phillip Parker

Author: Phillip Parker

Updated: September 30, 2025

Maintained Since: May 28, 2015

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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.

RedFynn

Rating

2.9/5

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Pros

Empowers small businesses

Efficient customer service

Integrated POS

Cons

Three-year contract required

Monthly minimum fees

Three-year contract

Potential cancellation fees

PCI compliance fees

Overview

In this article on RedFynn Technologies, a merchant account provider known for its “dual pricing” model, we take an in-depth look at their offerings, exploring how they allow businesses to differentiate pricing between cash and credit card payments. Our review covers their payment processing services, point-of-sale systems, and supplemental features such as chargeback management, fraud prevention, and gift and loyalty card programs. We also weigh the pros and cons of working with RedFynn by examining contract terms, customer feedback, and sales practices, while assessing the quality of their customer support. Finally, we compare RedFynn’s services and performance against other competitors in the payment processing space to help merchants make informed choices.

About RedFynn

Screen Capture of RedFynn Technologies Homepage — RedFynn Homepage

RedFynn Technologies is a Tempe, Arizona-based merchant account provider that appears to function as either a subsidiary or a DBA of iPayment (now Paysafe). A commenter below this review has explained that RedFynn was created in 2014 as a rebranding of Sphyra following government action taken against Sphyra and its former business name, “Merchant Services Direct, LLC.” This commenter’s claim is supported by the fact that four former managers or executive-level employees of Sphyra (Shane Hurley, Sydney Adams, Rebecca Jensen, and Becky Strantz) have held similar roles at RedFynn. According to the Redfynn website, the company specializes in offering POS solutions for both retailers and restaurants.

Possible Alternate DBA

It has come to our attention that Redfynn owns or is affiliated with a company that operates by the name of “The Card Association” or “The Card Association Merchant Services.” There have been numerous reports that this company has been engaging in a highly deceitful marketing tactic known as “slamming.” Please see our review of The Card Association for further insight into how Redfynn and its owners may be connected.

Products & Merchant Services

Payment Processing

RedFynn offers a range of payment processing solutions for businesses, including credit card, debit card, and ACH payments. Their options include point-of-sale (POS) systems, mobile payment solutions, and virtual terminals.

Merchant Services

RedFynn provides merchant services to help businesses manage payments and minimize financial risk. Services include recurring payments, chargeback management, and fraud prevention tools. Their team assists businesses in developing customized payment solutions tailored to their specific needs.

Gift and Loyalty Card Programs

RedFynn offers gift and loyalty card programs to help businesses reward repeat customers and attract new ones. These programs are customizable, allowing businesses to offer discounts, points, or other incentives.

E-commerce Solutions

RedFynn provides e-commerce solutions for businesses to sell products and services online. Their platform integrates easily with existing websites and includes tools for fraud prevention and chargeback management to protect against financial losses.

Customer Reviews & Sentiment

Review of RedFynn’s Customer Feedback

An examination has revealed only a limited number of negative RedFynn reviews, with accusations of the company engaging in fraudulent activities. Common complaints have focused on issues such as inadequate customer service, funds being withheld, abrupt account terminations, and concerns related to the company’s past affiliations. However, the bulk of these grievances seem to center around customer service experiences. Despite these challenges, RedFynn has managed to maintain a relatively low volume of complaints, an effort that has distinguished it from its predecessors, iPayment and Sphyra. The company currently holds an “A” rating in this category. We invite you to share your RedFynn experiences in the comments section below.

Customer Support Provided by RedFynn

RedFynn is committed to offering comprehensive support to its merchants through both telephone and email channels. This dedication to customer service is reflected in the company’s surprisingly low count of complaints.

Industry Scores & User Ratings

Online Ratings Summary
PaymentPop	4.8
BBB Rating	5
Trustpilot Rating	4.8
Google Maps	4.6
Our Rating	2.9
Average Rating	4.32

PaymentPop Rating for RedFynn

Negative Feedback

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

Positive Feedback

Redflynn treated me very well. They were very attentive and addressed any concerns that I had with switching systems. They walked me through each step keeping me informed of what was happening at each interval.

RedFynn BBB Rating

RedFynn (as RedFynn Technologies) is not accredited by the BBB and has a rating of NR (No Rating). The business has been operational for 5 years. Redflynn is rateed 5/5 stars with 17 customer reviews on the BBB website.

Negative Feedback

There are no negative reviews published about RedFynn Technologies on the BBB website.

Positive Feedback

We have used several companies over the years and once you sign up it seems you never hear from them until you reach out. RedFynn has been very good with communication and follow-up to make sure everything if working properly and answers any questions quickly and ready to solve any issues you may have. Their rates are very reasonable. We are very glad to have RedFynn handling our Credit Card processing.

Trustpilot Rating for RedFynn

RedFynn (as RedFynn Technologies) has a rating of 4.8 out of 5 stars on Trustpilot, based on 45 reviews. The company is rated as “Great” in the Electronics & Technology category. The reviews show a mix of positive and negative experiences, with 55% of the reviews being 5-star and 22% being 1-star.

Negative Feedback

The rep that promised to be local and always there for us rarely returns phone calls or emails. If you’re calling customer service, you better allow plenty of time to sit on hold just to not get an answer to your problem once they do get to you. No way I will renew with this company!!

We were not contacted or notified and told that our account was on Test Mode. We lost many sales due to this and are highly unsatisfied with your services.

Positive Feedback

The updated equipment is perfect . Its so easy to use and the size is perfect. What an upgrade! JC is so helpful and alway quick to respond if I need anything!
Awesome customer service!!

Great Customer Service and good service for my credit card process.

Google Maps Rating for RedFynn Technologies

RedFynn Technologies has a 4.6 out of 5 star rating based on 73 user reviews on Google Maps.

Positive Feedback

I’ve worked with many merchant services and dealt with changing rates and hidden fees. Redfynn has been a huge help by saving me from extra charges. What really stands out is how they always make sure I get my funds the next business day, which is so important. Plus, their fees are fair.

Negative Feedback

I wouldn’t work with Red Fynn Technologies. I started working with them in January of 2024 and have had two major issues with tracking and billing recurring customers. They have cost me money that I am not able to collect. They and their vender Valor Paytech are not very good with technology, recurring business and honoring their customer service. Do not sign up with them.

Processing Rates & Fees

Three-Year Agreement

The standard RedFynn Program Guide appears to resemble an iPayment contract, featuring a 3-year agreement with automatic renewal for 1-year terms and an early termination fee of $350 if service is canceled before the first year concludes or $250 before the end of the third year.

The program guide doesn’t provide specific rate quotes, monthly minimum fees, PCI compliance fees, or other regular fees charged by RedFynn. However, iPayment and its subsidiaries typically charge these fees in varying amounts. While the RedFynn website has previously quoted an interchange-plus rate of interchange plus 0.5% plus $0.10 for retail businesses, it’s unclear whether this rate applies universally.

Virtual Terminal and Payment Gateway Pricing

RedFynn underscores its e-commerce solutions, leveraging Authorize.Net for its virtual terminal and payment gateway services. Typically, transactions through Authorize.Net’s payment gateway incur a flat rate of 2.9% plus $0.30. Moreover, there’s a monthly gateway fee of $25 and a batch fee of $0.10. RedFynn may also apply additional fees like technical support charges for its payment gateway services.

Few Contract Complaints

At present, there are only a few reviews related to RedFynn’s contract terms or pricing. One complaint mentions the company’s early termination fee, while another cites monthly fees of $5.99 and $29.99. Given the limited number of complaints, we cautiously assume RedFynn’s favorable performance compared to other iPayment-operated providers regarding pricing. However, the three-year term with a substantial cancellation fee hinders RedFynn’s competitiveness against the cheapest merchant accounts. Business owners are encouraged to explore our list of the best merchant accounts.

Lawsuits & Legal History

No substantial class-action lawsuits or Federal Trade Commission (FTC) complaints have been identified against RedFynn. Merchants looking for non-litigious avenues to address their concerns are encouraged to report their experiences to appropriate regulatory bodies.

Employee Reviews & Sales Practices

Distributed Sales Team

RedFynn appears to hire account executives all over the country, which is a reliable indicator that the company employs independent sales agents to market its services. This hiring practice is also consistent with that utilized by iPayment, and it tends to result in a high number of complaints for the companies that use it. In this case, however, we have located only a few negative RedFynn reviews that accuse the company’s sales staff of nondisclosure or misrepresentation of rates and fees. RedFynn provides its program guide on its website for the public to review, and the company’s membership with the Direct Selling Association indicates at least a surface-level commitment to honest sales tactics. This compares favorably to our list of best credit card processors.

Stolen Dharma Pricing Table

At the time of our last update, the RedFynn website included a page that outlined the company’s pricing for retail businesses. Inexplicably, this page featured a pricing table that appeared to have been directly lifted from the Dharma Merchant Services website and then duplicated with RedFynn’s own pricing in place of Dharma’s. Even more bizarrely, RedFynn’s interchange-plus rate was shown to be higher than Dharma’s, as were the total costs for RedFynn clients. This advertising decision seems strange enough that it may have been an error, but it does at least reveal that RedFynn typically pushes interchange-plus, the most transparent pricing model available. That having been said, RedFynn’s website itself made the case that businesses can save 0.25% per transaction by using Dharma.

Smoke, But No Fire

Although the company’s affiliations with Sphyra and iPayment are discouraging signs with regard to its sales practices, we will award RedFynn an “A” in this category to reflect the general lack of complaints that it has received to date. If you suspect that there are undisclosed RedFynn fees in your contract, we recommend seeking a third-party statement audit to find and eliminate hidden fees.

RedFynn Competitors

Compare RedFynn to competitors that earned top marks.

Pricing

Bottom Line

RedFynn emerges as a below-average player in the credit card processing industry due to its connections with previously criticized brands such as Sphyra and Merchant Service Direct, along with overlaps in management. Additionally, its close ties with another brand known for questionable marketing practices further taint its reputation. Despite these challenges, RedFynn has managed to operate for about four years without incurring the heavy complaints that marred its affiliates, Sphyra and iPayment.

While RedFynn has so far avoided the major pitfalls that affected its predecessors, it still offers contract terms that are typical of the industry and not necessarily competitive with top providers. As we continue to gather and analyze client feedback, we remain vigilant in adjusting our assessment of RedFynn’s services. Business owners are advised to carefully review RedFynn’s contract terms and compare them with those from the best credit card processors to ensure they are securing the most favorable conditions for their needs.

Please note that common misspellings for Redfynn we found during our research included:

RedFin
Red Fin
Redfinn
Red Finn
RedFyn
Red Fyn

Read Actual User Reviews

See User Reviews Write a Review

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

Contact RedFynn

Contact & Customer Support
CEO	Shane Hurley
Headquarters	960 W Elliot Rd, Suite 112, Tempe, Arizona 85284
New Service Inquiries	888-510-9871
Customer Support	877-928-0305
Additional Support Channels	Online Contact Form
Website	redfynn.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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