RedFynn Technologies Reviews & Complaints

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Pros & Cons
Pros: Cons:
Empowers small businesses. History of brand changes.
Integrated POS and processing solutions. Three-year contract required.
Offers cash discount program. Early termination fees apply.
Efficient customer service. Monthly minimum fees charged.
Same-day funding available. PCI compliance fees.
Compliant with cash discount rules. Possible non-disclosure of all terms.


In this review, we provide an in-depth look at RedFynn Technologies, a merchant account provider known for its promotion of “dual pricing” credit card processing, wherein businesses owners can charge consumers different prices based upon paying with cash or credit card. We'll cover Redfynn's offerings, including its various payment processing services and point-of-sale options. Additionally, we'll explore RedFynn's other merchant services, such as chargeback management and fraud prevention, along with their gift and loyalty card programs.

We will also examine the pros and cons of working with RedFynn, including their contract terms and customer feedback. Insights into RedFynn's customer support effectiveness and an analysis of their sales tactics will be provided. Finally, we compare RedFynn's offerings and performance with other competitors in the payment processing industry.

About RedFynn Technologies

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.

Redfynn's Services

Payment Processing

RedFynn provides payment processing solutions for businesses, including credit card processing, debit card processing, and ACH payments. They offer a variety of payment processing options, including point-of-sale (POS) systems, mobile payment solutions, and virtual terminals. Their payment processing services are designed to be fast, secure, and reliable.

Merchant Services

RedFynn offers a range of merchant services to help businesses manage their payments and reduce the risk of financial loss. These services include recurring payments, chargeback management, and fraud prevention tools. Their team of experts can help businesses develop customized payment solutions to meet their unique needs.

Gift and Loyalty Card Programs

RedFynn provides gift and loyalty card programs that enable businesses to reward their customers for repeat business and incentivize new customers to visit their establishment. This program allows businesses to customize their loyalty programs and offer discounts, points, or other incentives to customers.

E-commerce Solutions

RedFynn offers e-commerce solutions that enable businesses to sell their products and services online and accept payments through their website. Their e-commerce platform is designed to be easy to use and integrate with existing websites. This service also includes fraud prevention and chargeback management tools to protect businesses from financial losses.

RedFynn Customer Reviews

Here's What Their Clients Say

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

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.

Legal and Regulatory Standing of RedFynn

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.

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.

Contact Details for RedFynn

  • 888-510-9871 – For New Service Inquiries
  • 877-928-0305 – Customer Support

Additional Support Resources

This updated content aims to provide a balanced and accurate overview of RedFynn, incorporating SEO-optimized phrases like “reviews,” “complaints,” and “customer service” to improve visibility for individuals seeking information on the company. All provided links have been maintained to ensure readers have direct access to additional information and resources.

RedFynn Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Rating N/A
Trustpilot Rating 3.8
Our Rating 2.9
Average Rating 3.35

BBB Rating Analysis for RedFynn

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. There are no customer reviews or complaints filed against RedFynn Technologies on the BBB website.

Negative Feedback

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

Positive Feedback

There are no positive reviews published about RedFynn Technologies on the BBB website.
Source: BBB

Trustpilot Rating Analysis for RedFynn

RedFynn (as RedFynn Technologies) has a rating of 3.8 out of 5 stars on Trustpilot, based on 27 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!! – Review from August 10, 2017

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. – Review from August 10, 2017

Positive Feedback

They were very helpful in answering all of our questions when we were looking to change providers. That was over 1 1/2 years ago, and we continue to be very satisfied with the service and quick response if we call with a question. – Review from August 17, 2017

An awesome company with an amazing staff and great customer service. I’d highly recommend them to anyone! – Review from August 24, 2017

RedFynn Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties Yes
Monthly & Annual Fees Yes
Processing Rates Interchange + 0.5% + $0.10, variable
Equipment Leasing Yes

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.

RedFynn Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers Yes
Telemarketing Unclear
Misleading Marketing No
Discloses All Important Terms No

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.

Our RedFynn Review Summary

Our Final Thoughts

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.

Redfynn Location & Ownership

RedFynn is a registered ISO of Esquire Bank N.A., Garden City, NY. The Better Business Bureau lists iPayment’s P.O. Box in Thousand Oaks, California, as the company’s address, but the RedFynn LinkedIn profile lists an address at 960 W Elliot Rd, Suite 112, Tempe, Arizona 85284. Shane Hurley is the CEO of RedFynn.

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Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did RedFynn Treat You?

17 User Reviews

  • Eddie Winegarner

    Winegarner Auto Repair

    They done an evaluation of my credit card charges and found I was being charged for things I had not even realized I was being charged for. They not only saved me over $1,000 a month but I can rely on the money being there by the next morning. Unlike the last folks I had been using for many years!



    Redfin credit card services has been great they’ve taken care of my company.Resolve all my issues and problems. Call me to see if everything’s okay their rates are fair I highly recommend this company.

  • Christian

    Royalty, auto glass and body shop

    Love the experience I have with redfynn They’re on top Of any problems, you encounter doing business with another processing service and they help me with cancellation and got me a new processing machine quickly I love the change and I love that I’m not being charged for having a processor machine at our office thank you Redfynn

  • Francesca Villani

    I terminated my account with RedFynn August 2019, returned my machine timelyat my own cost because they delayed in sending my a mailing label.and I continue to be charged for services. My email to support have not resolved the issue nor did they respond to my last email.
    This should not happen.

  • Susan Fraser

    Beware! My rates double over the course of one year. There was a monthly fee of 5.99 for something. Another monthly fee of 29.99 for something else. In all, they were taking over 6%. And THEN – they somehow snuck a supposed contract of 3 years in there when they sent me a new machine I supposedly had to have so now I have to pay yet ANOTHER fee of $250 to get rid of this!

  • Former Employee

    As a former employee of RedFynn all I have to say is STAY AWAY! This company changes it’s name every few years after getting a bad reputation for bad business dealings, and unlawful acts. RedFynn was started after the Federal Trade Commission mandated that CEO Shane Hurley not acquire any new customers for his then named company Sphyra. The actual name “RedFynn” was a branding joke claiming that they, the CEO and top executives were “sharks”…ready to gobble up new small business owners.

  • Kristin

    Thank you for the information you have available. I was looking for info on a company called Redfynn. I am having a very unusual time with them in that if they mess up and it requires too much attention on the part of the young staff to resolve, they will dismiss you or dump you, such as hands on ears la la la la la la! Do you have any info on this company? I don’t seem to find anything other than publicity stuff, which can always be created. Do you have any knowledge of the history and dependability of this company?

  • Nicholas Coscia

    I needed to quickly raise my limits as my customer base is growing quickly and and requiring the clearance of markedly larger charges. I was getting the runaround from my own existing gateway and several other prospects when I met Elton and the RedFynn crew. Within ten days Underwriting reviewed my previous merchant history and financial statements and approved me with a significant per transaction limit. Two days later my first charge for $US 5,00.00 went through without a wrinkle. While our relationship is at an early stage, I can say that the responses I have received from this organization have been prompt and professional

  • Roy Parkes

    RedFynn is the new entity name for what used to be called Sphyra, and dba Merchant Services Direct.
    Mike Collins was head of MSD/Sphyra in Colorado, and made Vice President of Sales in 2013.

    Mr Collins now claims to have been working at “RedFynn Technologies” during his tenure at Sphyra/MSD.

    The name “RedFynn” was substituted for the previous names following the FTC/AG judgment against them.
    That is why no record can be found of that name active prior to 2014 while its internal history claims it
    was active many years prior contemporaneous with the MSD history.

    It is not known if control of RedFynn shifted/sold from Shane Hurley, Pres of MSD, to IPayment CEO at some time,
    by this writer, or if there were any other intervening changes of control til this date.

  • Kristin Meyer

    I have a major complaint that reinforces the negative complaint you have identified above. We were pressured to move into a more high tech piece of equipment when support, on our side, was not available. Your folks send me two incorrect tests. There supervisor noted the mistake and sent another in the mail that was for my system. “test” was returned, call to get equipment transitioned over was done. Rebates were in process and to be applied some months ago and never appeared. I left town and shut down the usage for 30 days. Returned and found a bill of $20 due and my system turned off. I called and was rudely greeted for the second time a young lady that I had written an extended complaint on. Her supervisor and I spoke and I decided to back out of the complaint. I was given a new account tech and at that time was given a second test, incorrect, and then escalated to her supervisor who informed me it was the wrong test. Fast forward to present and said I needed to get my refund and equipment turned on. I was handed off the initially rude young lady I worked with and she argued with me about what she thought happened vs what I had happen to me. I asked to speak with her supervisor. I waited 10 minutes to speak with her supervisor and was unfortunately greeted by the same rude young lady who said her supervisor would not talk with me, that they had done enough for me and to go find someplace else. Now, a pile of charges to process, lost revenue and refunds still not submitted. I have not had a good experience with these folks for 1 year now. too many new people, most are young and poorly trained and educated on their system. I sure wish some one would respond to the complaint letter I sent to the legal depart 2+ weeks ago. I don’t think they are an A+ company.

    • Legal Dept.

      Over the years we’ve spent significant time in resolving this customer’s issues with her account. According to our records, we have made every possible effort to assist this customer in resolving any and all issues she has had with our services; including calling her directly and reminding her numerous times to return the required paperwork to close her old account, after the owner change. As for the new equipment, the banking industry is requiring merchants to have EMV compliant equipment in order to protect the security of cardholders. We apologize if our attempts to assist her with this upgrade were not well received.

      Although we previously refunded her $30 for one month of PCINA, after a thorough review of her account, we agreed as a courtesy to provide three months PCINA refunds. We issued a 2nd refund in the amount of $60 on 8/10, for two additional months PCINA fees. As with any merchant services company, we have a cancellation process consisting of the client submitting a signed cancellation form. Refusing to pay the month-end fees is not the proper way to seasonally close an account. Therefore, she was assessed the monthly fees on her account, as she had been for years prior. When the funds were not in her account, she was shut down by our processing bank for none payment.
      Pursuant to the documented email sent to her on 7/21, we were very cordial in our communication, making it clear we no longer wish to provide services for her merchant account needs. We have every right to deny services to any customers, whom we feel are best suited elsewhere. Our contract was terminated when her payment bounced, and we recommended she immediately find a different processor. Due to her low volume in processing, we referred her to a different company specializing in lower processing businesses.

  • John Hood

    Redfynn/iPayments is definitely a set up. Because of incorrect setting to my account my cart was unable to communicate with the payment gateway for an entire month. Once this issue was resolved I complained about the incompetence of the support agent named Clayton. Two days later my account was closed because of excessive declines? How does this make sense? They caused the declines themselves! After this, I cancelled the account and requested a refund. No one responded but my account was debited for $350 the very next day for early cancellation fees? This can not possibly be legal. This company needs to be investigated immediately. I strongly advise anyone considering using Redfynn or iPayment Inc as a CC processor to please think again.

    • Legal Dept.

      On August 5th, 2015 we resolved a more detailed complaint submitted by Mr. Hood to RedFynn. This matter is a bit more complicated than as it appears from Mr. Hoods review. Between April 29 and June 2nd, 2015, the merchant had nine failed customer transactions and only two approved customer transactions. None of these declines were due to a payment gateway malfunction. If his shopping cart failed to authenticate (wrong username or password), then failed transactions would not populate on the payment gateway. The nine failed transactions were declined due to bad/invalid cards.

      Mr. Hood’s account was closed, by our bank, based on his account history, and we are bound by that decision. We do understand Mr. Hood had a website configuration issue affecting his ability to process when his account first opened. We also understand he does not control the traffic he receives on his site, but two, out of eleven, successful transactions between April 29 and June 2nd, 2015 is a valid cause for the bank’s closure decision. We wish there were more we could do for this client. Unfortunately, the client is still under the impression most of the issues with his failed transactions are the fault of RedFynn. However, according to our investigation, we have determined the closure was due to his actual poor processing history and not the system setup or RedFynn operations.

      In regard to the $350 ETF, this was charged per the merchant processing agreement he signed. The contract terms were confirmed a second time with Mr. Hood during the quality control call before his merchant account application was submitted to underwriting for approval. However, in light of the bank closing down his account, we requested the bank submit a refund for the $350 ETF. The refund was not processed because his bank declined the original $350 charge to his account. Mr. Hood did not pay the ETF fee.

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