SAIL Overview

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Updated 1/9/2019: Verifone discontinued its line of SAIL products in December 2012. Its assets were acquired by Capital One Merchant Services and restructured to create Spark Pay. The Spark Pay lineup of products was retired in December 2017, and now Capital One resells mobile and point-of-sale products from its partner WorldPay.

SAIL (, also known as “SAIL Pay” and “SAIL Payments,” is a mobile credit card processing application for use with smartphones, tablets and some dedicated countertop payment terminals. The service launched in mid-2012 and is the creation of the popular card processing hardware maker Verifone. SAIL is Verifone’s attempt to compete with similar services such as GoPayment, PayPal Here, Pay Anywhere, and Square.

Like its competitors, SAIL provides an easy signup process, free app & card reader, simple pricing and month-to-month service terms. The fees for SAIL resemble that of GoPayment because SAIL has two different account types. The first, dubbed the “Go” plan, has no monthly fee and charges a swipe rate of 2.70% (2.95% for AMEX cards) and a key-in rate of 3.70% for all card types including international transactions. The second, called the “Pro” plan, includes a $9.95 monthly service fee but lowers the swipe rate to 1.95% (2.95% for AMEX) and the key-in rate to 2.95% for all card types.

Aside from a reasonable fee schedule, SAIL promotes that it integrates with Stitch, a sales management tool, to allow merchants to track inventory across multiple sales channels including well known applications such as Etsy, BigCommerce and Shopify. Additionally, Verifone has included a 24/7 customer support number (855-SAILPAY / 855-724-5729) as well support by email, Twitter and Facebook.

As of this review, SAIL does not have a Better Business Bureau (BBB) profile and no complaints in the other usual forums. However, the service is getting an average rating of 3 out of 5 stars in the Android and Apple marketplaces. Of the negative reviews, users are mostly reporting difficulties with the app loading slowly, consistently crashing, or having compatibility problems with a device. It may be too early to tell if these are widespread problems or isolated incidents.

VeriFone Systems, Inc., is located at 2099 Gateway Place, Suite 600 San Jose, CA 95110. As of this review, it is unclear which company is acting as the transaction processor for SAIL.

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My Qualifications

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so decided to build this website to help you research which providers to use and how to save money on rates and fees. I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers here. Simply scroll to the top of the page to find the search bar. You can also message me if you need any guidance.

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4 Reviews Leave Your Review for SAIL Below

  1. Mark says:

    Verifone has discontinued its SAIL service.

    From their Sail Pay website:

    Why did I receive this email?
    You have received this notice, because VeriFone is no longer offering the SAIL service.

    Why can’t I use SAIL anymore?
    VeriFone Commerce Solutions, Inc., recently completed the sale of assets relating to Its SAIL Service on January 31st, 2013. As a result of this transaction, we are sorry to inform you that the VeriFone will cease offering and providing the SAIL service effective March 1, 2013.

    What can I use now?
    VeriFone is committed to small business success. We currently offer a number of mobile payment solutions for smaller merchants in the U.S. through our partners network. This includes PAYware Mobile, a secure solution for transforming smart devices into secure payment portals.

    What’s going to happen to my money?
    Your money will be will be deposited in your respective bank account in 2 – 5 business days as normal.


  2. The single worst operation on the planet, run by what seems to be the absolute worst customer service department on the planet. I’vehad to ask several times, “Is this a real company?” Once a micro deposit is recorded, the turnaround time is supposed to be 2-3 days. As of this writing its 14 days, and whenever I contact them by phone, nobody knows anything. “I have to refer you to another department,” Hang up. Call back. Sorry about that, they say, hang up again. More than 2 weeks trying to clear our first transaction. SQUARE.COM. That’s where I’m going, and suggest you do the same. Or Paypal. Or have your mother carry the paper. It can’t be any worse.

  3. Big Ralph says:

    We conducted two transactions in Dec 2012 and one more in Feb 2013 through Sail. We decided to see if the service was worth using as we are squareup customers. As of this message our account has 791.00 dollars that has not been processed over to our bank account. NONE of the payments that we have taken in have been credited to our account. When checking with our customers, the funds were deducted from their credit cards so the money is there… Messages have been left at 855 SAIL PAY and we even twitter messaged Verifone… No response and no money. We’re upset and have decided to make campaigning against the service our new hobby. Hope our review is helpful! Thanks

  4. Deepti Patel says:

    It seems that there is a problem with all of these phone swiping companies. I processed a relatively small amount of $478 with sailpay and the funds are being held for 180 days just like something square would do. At leaset they offewr phone support i called in several times. Gopayment on the other hand pays on time and has no hiccups after they verify your first transaction with the cardholder.

    It infuriates me how these phone swipe companies don’t stick to merchant processing limits to avoid holds and don’t ask for the necessary documentation to approve high processing limits. Instead they wait till after you swipe and then steal the money for 180 days instead of letting you know how much you can process before swiping or asking for bank statements before you swipe. This put my business back and of course caused a delay.

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