Shift4 Payments Review: Fees, Lawsuits, Complaints & Comparisons

Shift4 Payments
Star FullStar FullStar EmptyStar EmptyStar Empty
Shift4 Payments

Agree with our rating?
Tell us about your experience with Shift4 Payments in the comment section below.

PhonePhone(888) 276-2108 View Pricing

Before You Switch Processors, Find Out How Other Businesses Got Fee Refunds From Their Current Processor.

Harbortouch’s Parent Company

Shift4 Payments is a merchant account provider that currently functions as the parent company of Harbortouch. Shift4 Payments was created in January 2018 when Lighthouse Network (Harbortouch’s former parent organization) acquired Shift4 Corporation, a payment gateway provider based in Nevada. In February 2018, Shift4 Payments proceeded to acquire three POS providers focused on the hospitality industry: Restaurant Manager, POSitouch, and Future POS. Shift4 Payments added Merchant Link to their stable in 2019, 3dcart in 2020, and VenueNext in 2021. It appears that all of these products will be absorbed into the Shift4 brand. In fact, it’s possible that Harbortouch itself could rebrand as Shift4 in the future.

Shift4 Payments Payment Processing

Shift4 Payments processes all major debit and credit cards for most business types. Their services include end-to-end processing, their own payment gateway, gift and loyalty programs, PCI-validated encryption, contactless pay, the SkyTab restaurant ordering and mobile payment system, e-commerce solutions, QR codes, and multiple POS solutions, including HarborTouch.

Shift4 Payments Location & Ownership

Shift4 Payments is headquartered at 2202 N. Irving St., Allentown, PA. Shift4 Payments is a registered ISO/MSP of Citizens Bank, N.A., Providence, RI, and Merrick Bank, South Jordan, UT., and Jared Isaacman is the CEO and Don Isaacman is the president of Shift4 Payment and of Harbortouch.

Video Summary

Shift4 Payments Review Table of Contents

  • Costs & Contract: Offers a one-year contract with no early termination fee and options between interchange-plus, tiered pricing and…
  • Complaints & Service: Has received more than 10 public complaints regarding…
  • BBB Rating: Has been accredited since 2013 and has an “A+” but has received 145 complaints and 27 reviews in regards to…
  • Sales & Marketing: Hires independent sales agents and has received a moderate number of complaints about its…
Shift4 Payments payment processing

Shift4 Payments offers a wide variety of payment processing options

Should You Trust Shift4 Payments?

Lawsuits, Reviews & Complaints

Here's Who We Trust.

Complaint Summary

Total Online Complaints
10+
Live Customer Support
Yes
Most Common Complaint
Long-Term Contracts

New Name, Clean Record

We can locate nearly 15 negative Shift4 Payments reviews at this time. Shift4 Payments is a relatively new organization, so it’s to be expected that there isn’t much positive or negative feedback about it on the usual forums. It is more useful at this time to consult merchant reviews of Shift4’s constituent companies.

Shift4 Corporation Complaints

Shift4 Corporation has a very low complaint total despite the fact that it has been active since 1994. This is common for payment gateway providers, as they typically do not receive the blame for issues with the merchant accounts that are linked to their product. Predictably, the few complaints that we have found about Shift4 Corporation mention minor technical issues and software glitches.

Harbortouch Complaints

Harbortouch, on the other hand, is showing a moderate-to-high number of online complaints for a company of its size, most of which cite deceptive sales tactics, equipment issues, exorbitant cancellation fees, or poor customer support. It appears that Harbortouch has paid Ripoff Report to be a part of that site’s corporate advocacy program, which allows Harbortouch to reach out to dissatisfied complainants. This program also allows Harbortouch to flood Ripoff Report with dozens of identical testimonials that obscure the details of merchant complaints. Researchers should note that the actual content of these Ripoff Report reviews can be found below each of Harbortouch’s testimonials.

False Review Allegations

A blog post on the Harbortouch website authored by the company’s CEO addresses the growing number of negative reviews that have been posted about Harbortouch. This post speculates that a significant number of negative Harbortouch merchant reviews are actually “from competitors that are unhappy with our free POS business model,” adding that “[i]t is not surprising that many of them would go online to write these anonymous and frankly false representations of our service. It is important to note that most of the complaints do not have any real contact information associated with them.” By our own independent assessment, the majority of public complaints filed against Harbortouch do indeed seem to come from actual merchants. It does not reflect positively on the company that its official stance appears to be dismissive of negative reviews in general.

Direct Harbortouch Replies

It should also be noted that two representatives of Harbortouch (including the company’s CEO) have directly addressed merchant complaints in the comment section of that company’s review. Both representatives disputed merchants’ claims regarding nondisclosure of contract terms, stating that the company’s cancellation policy is clearly disclosed by Harbortouch sales reps and documentation at multiple points during the signup process. These representatives also stated that the company’s large early termination fee is justified by the upfront expense associated with providing POS equipment to merchants.

Complaint Resolution Efforts

Harbortouch is currently an active participant in CPO’s complaint resolution program. This program enables merchant account providers to directly contact merchants who post negative comments beneath their review in an attempt to resolve their complaints. The company’s participation in this program is a positive indication that Harbortouch is interested in providing a satisfactory outcome for dissatisfied merchants.

Shift4 Payments Lawsuits and Fines

In 2018, Shift4 Payments became the target of an antitrust lawsuit that accuses the company of monopolizing the payment interface and merchant account services market for mid-sized table service restaurants by cutting out other independent payment processors. It appears this case was terminated in 2019, but was shortly after reopened with few details going forward. This case is yet to reach a resolution.

In 2021, Labaton Sucharow announced it was looking into Shift4 for potential breaches of duty and security violations.

Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Shift4 Payments Customer Service Options

Shift4 offers chat and phone support on its website in addition to equipment and software manuals. Although Harbortouch is taking steps to improve its reputation among business owners, its complaint rate has been consistent since its last review. In addition, the content of these complaints has remained more or less unchanged. We do not have any reason to believe that this will change now that the company operates under the Shift4 Payments brand. Merchants who are concerned about quality customer support should consider working with a top-rated provider for great customer service.

We have located a single Shift4 Payments customer service number:

(888) 276-2108 – Toll-Free Customer Service

Shift4 Payments also offers a customer support form and chat support on its website.

Is the BBB Rating for Shift4 Payments Accurate?

Better Business Bureau Profile

See Which Processors Offer No Monthly Fees And No Contracts.

BBB Summary

Product & Service Complaints
79
Billing & Collection Complaints
64
Advertising & Sales Complaints
1
Guarantee & Warranty Complaints
0
Delivery Complaints
0

Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.

Over 140 Complaints

The Better Business Bureau has changed Harbortouch’s name to Shift4 Payments, LLC and is using the same profile it previously used for Harbortouch. As a result, Shift4 Payments has been an accredited business with the Better Business Bureau since 2013. As of this review, the company currently holds an “A+“ rating with the BBB and has had 145 complaints filed against it in the last 36 months. 64 of these complaints had to do with a billing or collections issue, 79 were problems with a product or service, and 1 was an issue with advertising or sales. Only 70 of these 145 complaints were resolved by the company to the satisfaction of the merchant. The remaining 75 were resolved to the dissatisfaction of the merchant or received no final response.

What Merchants Say

Shift4 has also received 27 informal reviews to its BBB profile. All of the reviews are negative. One recent review describes issues with equipment and expensive rates:

Whatever you do, do NOT sign up with Shift4 or ***********. They are a total nightmare from A to Z! Shop around and get plenty of quotes; you will find many other companies that give better service for much cheaper rates; this type of service does not have to be local to get great service. I also used ************* POS system; again, a nightmare and had to return it. I don’t know how they stay in business. Seriously… take my advice and save yourself a lot of money and a lot of headaches.

Merchants looking for a cheap option should take a look at our guide to the cheapest providers in the industry.

A “C” Performance

Taking into account the company’s complaint total and resolution ratio, we have adjusted the BBB’s rating to a “C.”

How Expensive is Shift4 Payments Service?

Rates, Fees, and Contract Terms

Don't Fall Into An Expensive Trap. See Who The Worst Processors Are.

Cost Summary

Swiped Rate
Interchange-Plus or 1.39% + $0.10
Keyed-in Rate
Interchange-Plus or 1.79% + $0.10
Virtual Terminal Rate
Interchange-Plus or 1.79% + $0.10
Payment Gateway Fee
None
Monthly Minimum Fee
$25
Batch Fee
$0.35
Early Termination Fee
None
PCI Compliance Fee
None
Equipment Lease Terms
12 Month (locked)

New Contract Terms in Response to Merchant Dissatisfaction

At the time of previous reviews, Shift4 Payments’ terms and conditions imposed a three-year contract term with a costly early termination fee. This was the basis of most of the complaints left by merchants on this and many other consumer review websites. However, Shift4 Payments has revised its terms and conditions in response to this outcry from merchants.

Shift4 Payments’ current terms and conditions convey a one-year contract with a tiered pricing structure. Merchants are charged either an interchange-plus model or tiered rates of 1.39% plus $0.10 for swiped transactions, while keyed-in transactions are charged 1.79% plus $0.10. Shift4 Payments does not charge an early termination fee any longer, which was the most costly fee from its old contract terms. However, Shift4 Payments does require merchants to return equipment within 15 days of the end of a contract, or else it imposes costly equipment fees. Merchants who do not return standard credit card terminals within that period are charged $200, contactless terminals are charged a $300 fee, and POS systems are charged a $500 fee. However, the lack of an early termination fee provides merchants with much more flexible contract terms, and its transaction rates are much more affordable as well.

POS Pricing

Shift4 Payments is also the owner of a handful of different POS system companies: Harbortouch, Restuarant Manager, Future POS, VenueNext, 3dcart, Merchant Link, and POSitouch.  The company also serves as a partner to over 300 other POS and PMS companies, providing merchants across different industries with tailormade options for the unique needs of their business.

One of Shift4 Payments’ more notable companies, Harbortouch, previously provided merchants with the option between 2 different POS systems: Echo POS and Elite POS, though it appears they are shifting to the new Onyx model Each merchant agreement conveys some pretty basic pricing. Echo POS charges a monthly fee of $29 per system, while Elite POS has a $39 monthly fee for each. Echo POS charges an installation fee of $150 for the first system and $100 for any additional. While the Elite POS merchant agreement does not include an installation fee, per se, there is a $250 fee for additional wiring needed to install a POS system. Though neither agreement includes an early termination fee, merchants who cancel their contracts must return any POS equipment within the prescribed period in their merchant agreement or being charged an equipment return fee of $500.

In addition to those fees, each POS agreement details a range of products and services and their additional monthly costs. These products and services are categorized as optional add-ons and come with additional monthly fees, though they can be purchased outright at a one-time cost as well. Other, less expensive items — from employee authorization cards to printers and scanners — are billed as one-time purchases.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Shift4 Payments’ terms and conditions also disclose the cost of its virtual terminal and payment gateway services. Shift4 Payments charges 1.79% plus $0.10 per transaction and a batch fee of $0.35.

Your Agent’s Word Is Not The Final Word

Although these are the company’s official terms, the company’s use of independent sales agents means that transaction rates and fees may vary from agent to agent. A representative of the company confirmed in the comment section of this review that any verbal guarantees made by sales agents will not overrule the language in the company’s contract, so merchants are advised to trust the documentation above an agent’s word. Multiple merchants have described a situation in which a sales agent verbally agreed to waive or alter certain fees and then failed to follow through on those changes. There are also multiple claims that agents failed to disclose the contract length and early termination fee associated with the company’s POS agreement. If you suspect that you may be paying too many hidden fees, we recommend obtaining a cost analysis from an independent fee reduction service.

A New Grade for New Contract Terms

Shift4 Payments’ approach to POS sales has received mixed reviews. The basis of most complaints concerns issues with the company’s previous terms and conditions; primarily the costly early termination fees. Since Shift4 Payments has revised its terms and conditions for its merchant agreements and POS systems, we award the company a “B” in this category. Though there are many monthly charges and some one-time fees that come with the Echo and Elite POS systems, the flexibility merchants have with no early termination fees and shorter one-year contracts mitigates the expense of those costs drastically from the company’s previous policies. We always encourage merchants to check out our list of the providers of the best merchant accounts.

Does Shift4 Payments Use Deceptive Marketing?

Advertising & Sales Strategy

Audit Your Current Statement To Find Its Hidden Fees

Processing statements are intentionally complicated so that they can overcharge you. Get clarity before you switch.

Key Points

Employs Independent Resellers
Yes
Advertises Deceptive Rates
No
Discloses All Important Terms
No

Same Organization As Harbortouch

Shift4 is simply a combination of Harbortouch, Shift4 Corporation, and a few smaller POS companies. As a result, the sales experience for merchants who sell their products should be similar to the standard Harbortouch experience.

Independent Sales Team

Harbortouch hires independently contracted sales agents (ISAs) to resell its merchant account services. This is a standard practice within the industry that often results in unregulated or unsupervised agents reselling a provider’s services without effectively disclosing contract terms. On this website and elsewhere, reports are common of a Harbortouch sales representative promising to waive fees or provide month-to-month contracts only to fail to follow through, leaving the merchant on the hook for some unfavorable contract terms. This does not compare favorably to our list of best credit card processors.

“Free” Equipment Promises

Online complaints seem to indicate that a common point of miscommunication has to do with Harbortouch’s heavily promoted deals for free equipment or a free POS system. Harbortouch likes to phrase its promotion so that the equipment itself is technically free, but it requires the merchant to sign an automatically renewing, three-year service commitment so that Harbortouch can recover its upfront costs. In this way, the merchant still has to pay for at least three years of access to the equipment, which to some merchants may seem indistinguishable from having a long-term equipment lease.

30-Day Trial Period

Some merchants also report that they agreed to receive free equipment or software but canceled before receiving or implementing these services, only to be charged with a cancellation fee in the amount of the remaining cost of the multiyear contract. Merchants who cancel before the install date should only owe a $250 restocking fee. After the install date, Harbortouch offers a 30-day trial period. If merchants cancel after this 30-day period has concluded, then they will be responsible for the full cost of the service agreement, despite the claims of any sales agent. If merchants cancel within the trial period, they are still responsible for fees incurred during the trial period as well as the costs of shipping equipment back to Harbortouch.

Contract Survives Your Business

A smaller number of merchants claim that they were not made aware of the fact that they are responsible for the full cost of the service agreement regardless of whether or not their business closes permanently. It appears to be Harbortouch’s policy to enforce the terms of its agreement even in the event that a merchant goes out of business.

Continued Complaints Despite Training

A Harbortouch representative has stated on multiple occasions that the company offers rigorous agent training and has procedures in place to discipline ISOs that act unethically. The company also clearly discloses its service agreement terms in its paperwork and requires follow-up communication with merchants after they open an account. However, Harbortouch still routinely receives complaints that describe misrepresentation or nondisclosure by its independent sales agents. This indicates that despite the company’s admirable efforts, a significant number of merchants are still having a negative experience with Harbortouch’s sales team.

A Precautionary “C”

Shift4 Corporation enjoyed a very low complaint total before its acquisition by the Harbortouch team. It’s therefore possible that Shift4 Payments will adopt the practices that minimized complaints at Shift4 Corporation. However, Harbortouch’s management team is still at the helm. As a cautionary measure, we will therefore assign Shift4 Payments the average grade of “C” that we assign Harbortouch in this category. If you believe that you were deceived about the terms of your Shift4 Payments contract, you can find and eliminate hidden fees with a third-party statement audit.

Shift4 Payments point of sale

Shift4 Payments offers Harbortouch as well as other POS systems

Does Shift4 Payments Deserve Your Business?

Review Summary & Our Thoughts

An Average Option for Most Businesses

Shift4 Payments receives the same rating as Harbortouch at this time, for a few reasons: The company was created when Harbortouch’s ownership group acquired Shift4 Corporation, and that ownership group remains in charge of the organization. Shift4 sells Harbortouch’s entire lineup of products, with no change to Harbortouch’s contract terms. Even the BBB considers Shift4 Payments to be Harbortouch’s new name at this time. We will be sure to monitor merchant feedback about this company to see if it differentiates itself from Harbortouch in any meaningful way, but for now, merchants are likely to obtain a better deal from a top-rated payment processor.

Customer & Employee Reviews

What Others Are Saying About Shift4 Payments

40 Responses

  • Richard

    We have been in business for almost 20 years and this company is, by far, the most untrustworthy payment processor company we’ve encountered. We were “advised” to switch to their service at no charges and no contract. Right after we switched over, we found out we have to pay for their integration software (along with is annual fee). When we tried to cancel, they told us the hardware they sent us has a CONTRACT. How deceptive! Now we’re stuck with a credit card processing company that tries to swindle us at every turn. That’s terrible.

    Their customer service is very bad also. Once they manage to get you to sign the contract, that’s it. No more help.

  • raymond piacquadio

    100% worst company on the planet. Do not trust these people. They mess with your statements and combine them so you can’t tell what you are being charged for in a batch. We also had charges come into our account for 4 months prior. Customers calling and screaming that they were illegally charged.
    This company has the worst customer service and policies. They make it extremely difficult to get out of contract and even when it’s expired they automatically renew it without a formal/courtesy call.
    WORST COMPANY EVER LIES AFTER LIES DONT TRUST AND GET IN THIS MESS!!!

  • Tony Ecker

    A long hard stretch it’s been But Shift 4 has made good on all their promises and have fixed 95% of all the problems we have had. I have used Future POS for a long time and believe it to be one of the best POS software’s. DBS is our dealer and they have been through a lot to make good on our system.

  • Kristine Hill

    I too have been continuously charged monthly, although I have not used them since 2018. I will be blocking them through my bank. I had cancelled them when I moved my business and used square. I contacted them again and cancelled. I ended up with them through the acquisition of my previous company. I would love to participate in a class action lawsuit against them. They are thieves and prey on businesses whose resources are spread thinly. I can’t even get anyone on the phone. I waited for “the next available representative” for 25 minutes before I hung up.
    Horrid business!!!

  • woody adam

    I was just inquiring about the service. Now, I keep getting a DocuSign forcing us to sign.
    I don’t know how to get rid of this company.
    the rep is from Southfield Michigan I would not ever give any information.

    be careful it is not a good company to do business with.

  • DG

    3dCart and Shift4 payments …. what a joke. I never had an issue with 3dCart until Shift4Shop took over and changed payment processing. Free website if you use Shift4 payments .. okay, sounds good. NO. They decided I didn’t meet their criteria for card processing and closed my account, in closing they also said they refunded every credit card I processed through them. Not only did my customers receive their product but they also received it for free. This has been a NIGHTMARE and getting my money back seems to be impossible. Stay away, use someone else. I’m using Square again and not having any problems.

  • Mike

    100% worst company on the planet. Do not trust these people. They mess with your statements and combine them so you can’t tell what you are being charged for in a batch. We also had charges come into our account for 4 months prior. Customers calling and screaming that they were illegally charged. Good luck explaining to tech support that speaks in broken English. We sold our company and they gave all of our data to the new owners and then locked us out. We cannot do quarterly tax payments nor end of year processing because they dropped our database. I contacted the State Attorney Generals office so hopefully they will get sued.

  • MIchelle Foyt

    I switched companies because shift4 is corrupt. when we switched (which is now 2 years and 4 cancellations later) they never topped charging us! we still pay $500 a month even though its been 2 years!!!! Even though we returned everything right away!!! Two years later and a million phone calls later which they right out lie to you on each call! you don’t think any company would do that right? No, they are soooo overly nice, say you have done everything right, say they owe you $money and they are returning it to you now…NOPE…they just repeat that you never cancelled, even though you have done it 4 times already and they LIE! Save yourself a major heartache…DO NOT TRUST SHIFT4.

  • Tony Ecker

    Unbelievably incompetent!!!
    I have been a Future user and support for 10 years. After being purchased by Shift 4 and being forced to switch hardware the past 4 years have been the most frustrating and stressfull of my life. And non of it has been Covid related… In one instance they direct shipped me three seperate stations, three weeks in a row, with No Hard drives. This was to replace a station they had just installed one month earlier… Follow that up with the EMV devices only working half of the time. Then they sent me four different sets of replacements, non of which worked. Most recently I was sent yet Another station to replace an on going issue, and they station they sent me doesnt fit and I was told by the dealer I should just buy my own because shift 4 can’t help.
    I could go on and on. Please at all cost avoid dealing with this company, at least in the North East.

  • Sean

    My company has been using Shift4 the entire time ive been with them(5 Years). I worked in Business department so i dealt with Shift4 all the time. The biggest blessing of quit my job is literally not having to deal with Shift4 anymore. Straight up WORST Company EVER!!!
    1) EVERY INVOICE HAD A PRICE INCREASE. Yes over the 5 years every single invoice the price went up ( we have many merchants) so the prices didnt increase just a little it was terrible, idk how its not price gouging.
    2) ISSUES ON ISSUES. The support is the absolute worst, id have to call back again and again cuz either the person on the phone didnt know how to do anything, they would LIE and tell me they cant help(which they could, they just passing it off), or they would just say theyll look into it and reach back to me which a phone call would never come.
    3) we had BIG ISSUES like when our monthly list needs to run, we have automatic charges that run (for example everyone that pays on the 1st of month the CC runs automatically totaling near $200K).. a Couple times our monthly billing straight DID NOT Run and we were out HUNDREDS OF THOUSANDS of dollars because of shift4, the worst time this issue didnt get fixed for a near week we were just out $200K.
    4) hardly ever got someone that spoke English, sounded like i was calling the heart of India..

    I wouldnt do business with Shift4 again after the personal terrible experience with them for 5 years.

  • JOHN E PETZINGER

    My first and only experience with Shift4 Payments was 8/21/21 at Petco Park, San Diego, where it is the only payment processor for all merchants. During the entire game, NOONE COULD BUY ANY FOOD OR DRINKS because ShiftyShit was “down” the entire time. I read later that this was a nationwide problem for them. DO NOT USE THIS COMPANY. Furthermore, I will not attend another Padres game until they are replaced!

  • Lisa Fredrickson

    Not worth the free website. These guys are holding a deposit 5 days = not 48 hours – they suck and I am ready to go back to paying for my site and using Square which posts payments the same day.

  • Michelle

    I haven’t used shift four since October of last year but they are still charging me every month up to $200 for no transactions! The messed thing is it varies as if I have different transaction totals each month! Horrible company! Not an intelligent one, I can see the lawsuits!

    • Michael

      Have you had any success with this? I’m having the same issue. This is a class action lawsuit waiting to happen. Anyone involved with this company should be ashamed.

    • Ezzat

      Bad service for my business restaurant

  • Ivonne

    Horrible experience with this company!! Never go with them. The worse customer service.

  • K Hazaveh

    Shift 4 took over my merchant card services in 2020 and their sweet talking lies about GREAT rates signed me into a contract which auto renews your obligation every year for another year. I was lied to and told I am only obligated for first year.
    Then they told me to sign up for harbor light online access to get reports and statements emailed. I did but didn’t get any statements for a year. Also he conveniently failed to mention that it costs $17/ mo for something that should be included in all their other B S monthly fees
    Well the rate he promised was a lie. I got charged 2.5 times that. And every 3-4 months they raised their fees. They again lie and blame the CC companies for all of them.
    I called this year before my renewal and complained and wanted to renegotiate and lower rates but they again lied and said we’ll call you right back. They didn’t. I called a couple of more times and finally they said it’s too late to cancel as your contract auto-renewed!
    I left these crooks and went to my local banks that appreciate my business and are not i e cold thieves. I have to pay their monthly fees for 11 more months but it’s worth it just to get rid of them and stopping the $$ hemorrhage. STAY AWAY OR CUT TGEM LOOSE.

  • Al Want

    Shift AWAY from Shift4. Since 2018 acquisition of Shift4 by HarborTouch processing, customer service has dropped significantly. When Covid slowed the economy, Shift4 was quick to start removing THEIR fee from every daily deposit (instead of previous monthly debit) but when there are issues on their end causing ‘funding delays’, they’re slow to act causing 24 hour delays in deposits into merchant accounts. We’re moving to a new processor ASAP.

  • Patty Hart

    Shift 4 payments SUCKS!! Don’t ever ever never use Harbortouch because of shift 4 payments!!!!!!!🤯😕

  • Paul Shelton

    I was lured to Shift 4. From day one it was a disaster, they just called and changed me over and no one even talked to me. Then I kept getting tips declined. I spent hours on the phone everyday. Then they were getting some of the tips , but I spent more time trying to track which tips were paid and which weren’t. I was finally after 2 weeks told they had a maximum tip and if it was over 20% it would decline. They tried to blame the banks at first. I said in 7 years I have never had a tip decline on an approved sale. Then they said they fixed the problem. Yet I still had the problem, everyday 5 to7 tips declining. Then I called them on the phone one day to fix a tip, and they voided an approved sale of $50. I called back and they said they tried to rerun it and it declined. I said you were at fault not me. They refused to pay it. Tips kept declining. I finally after 4 weeks switched back to my old processor. Now they want to hold me to a contract, which they failed to live up to and charge me $60 a month for a year. Worst company, worst customer service and most incompetent people I have ever worked with. BEWARE. They prey on small businesses..

  • Anthony Saglimbene

    I recently switched to shit4 payments as they acquired 3dcart. I was excited to try them, what a mistake. They stole $600 out of my business account and claimed to have returned it to my customers. They cancelled my CC processing account without explanation. I had to email CS for an explanation.
    Now I’m getting the run around. After reading everything here I am not hopeful I will see this money again. STAY AWAY FROM THEM. It’s not worth it.

  • Scott Christy

    I have been with Shift4/Harbortouch for 4 years due to a signed contract. Every part of Shift4 is a horror story. They are totally incompetent and over charge bigtime. They have a unwritten policy of ripping you off for the duration of your contract and then they know they will lose you; but make a huge profit from you until you can get out of the contract… which will of course cost you. I wish I could post who I am going to next because I am going to be saving a ton of money.

  • Bob Steele

    Shift4 or HarboutTouch

    In February of 2020 I signed an agreement to get a new POS system from HarbourTouch systems
    In March Covid-19 hit and killed the bar and restaurant business. Luckily I had not taken delivery of ANY equipment, absolutely NONE. So Shift4 was really not vested in anything. It would be really simple for them to just cancel.

    I called and explained that I am closed and losing money and that they have no equipment here and nothing really invested. I asked them to please cancel all the paperwork and that I may be going out of business and have lost my life savings.
    Shift4’s response to that was: but Sir, you signed the paperwork, you can cancel after one year.
    I explained again that you have done ZERO processing and have ZERO equipment here, please cancel everything. Again the reply was Sir you signed the paperwork.
    WHAT A HORRIBLE HEARTLESS COMPANY. DO NOT DO BUSINESS WITH SHIFT4

    Shift4 or HarboutTouch

    • Christian F

      Feeling your pain. They are unreal. Been with HarborTouch since 2014… having 6 yrs of data for forecasting is the only thing keeping me with them. At this point and the continued endless hours of emails, texts, and working with tech support… I’m ready to request that they send me a paycheck. Do Not Do Business With These crooks. … I’ve been dealing with their crap for too long now. Square For Resturants is looking better and better every day. Might be worth biting the bullet and losing the data at this point and start fresh again. Run… do not walk away from HarborTouch/ Shift4Payments…. RUN!!!!

  • kim gray

    i am a business owner. shift 4 has owed me money since August 2020 584.50 to be exact.
    it has been 3 months now and several calls to them every week. shift 4 keeps telling the money will be in my account in 7-10 business days several times. I am now on the phone again with Shift 4, have been on hold for over a hour while they look into my account again.
    do not use this company. If nothing is done today i am getting a lawyer.

  • kasey kenley

    Harbortouch and shift 4 customer service is horrible the system has went down 4 times in less than a month and has cost me to lose more than $557.00 in revenue. You call for Tech support can’t get anyone to answer the phone. This is the worst system I’ve seen.

  • amoroma

    Example of their SCAM marketing::
    (actual email)

    Hello,

    My name is Jimmy Navarro and I am the Channel Sales Manager with Shift4 Payments. We have recently acquired Merchant Link who integrates with Oracle/Micros for your Credit Card processing Gateway Services. Your existing Gateway will be SHUT DOWN December 31, 2019. As such, if you do not upgrade your payments Gateway with Micros, you will not be able to process credit cards as of the aforementioned date.

    I fully understand this may come as distressing news, however rest assured this change is taking place to support your business from a security and technological standpoint, of which I will be happy to explain via telephone.

    Also, here are some of the Major Benefits of switching to the the PCI compliant Gateway:

    NO Gateway Fees – (All Merchant Link Fees will be waived on the Gateway)
    FREE EMV Chip Card Readers (Includes Lifetime Replacement Warranty & Upgrades)
    FREE Pay at the Table EMV Devices (Retail for $699)
    Point to Point Encryption – PCI Validated Processing – $0 PCI Fees
    Offline Payment Mode (Accept PCI Validated Payments with no Internet Connection)
    Match Existing Processing Rates (Your rates will not increase)

    Please call or email as soon as possible to get your paperwork submitted before December 31, 2019 to avoid loss of services.

    Jimmy Navarro

    Channel Sales Manager
    Office: 702.597.2480 x3204 / 702.506.6269
    1551 Hillshire Drive | Las Vegas, NV 89134


    This post will help: How to Report Bad Credit Card Processors

    -Phillip

    • Bobby B

      How is this a scam? I went to Merchant Links Website and it looks like Shift4 purchased them.

      • Matt Bruno

        Merchant Link was purchased by Shift4 ~9/2019 and have announced they are shutting down parts of the gateway which include specific connections that do not support EMV processing. If you are using EMV, from my understanding, you’d be able to continue using that solution – however there will very likely be some changes to that service due to the purchase (which is to be expected in any purchase).

        It’s very important anyone using Micros (or any other POS using Merchant Link as the gateway) understand there are multiple options to continue using Micros. Some options include Paygistix, Freedom Pay, and Elavon – but there’s others. I highly recommend talking with your Micros support person and doing your own internet searches to understand all the options available.

  • Jason Permenter
    www.primemedicaltesting.com

    We had our account compromised where are deposits are made. Harbortouch sent me paperwork to change my account info but they were also going to charge me for the account change. I talked to them about better pricing and not charging me for the routing number change. They were not helpful. I then changed to a new merchant and bank. It has now been a month and Shift4 and Harbortouch still has not released the $4000 they owe me.


    This post will help: How to Make Your Payment Processor Release Your Money

    -Phillip

  • Steve Barbey

    Horrible nightmare company.

    • Phillip CPO
      administrator

      Hi Steve,

      Could you please elaborate on your experience to give other merchants an idea of how it went?

      • Aaron

        Phillip,

        This is not the place for me to share this specifically, but:

        The “no ETF” are really just a fancy way of saying “NON-cancellable…” I am saying this from experience, on the phone with HT. Not only that, but they seem to attempt to take advantage of you, by spouting misinformation(contrary to company letters, or contracts) about the amount you will owe them monthly for not processing. I would not recommend, at all.

  • Mary

    This company force you to use your cell phone. I do not have a company cell phone, as I have no need for it, and I will not use my private cell phone for company work. I cannot do some items, because Shift 4 (I do not work for them) force me to use a cell phone. My job is not going to provide me a cell phone for ONE company! Shift 4 since you are having these demands, are you going to provide me a cell phone to work with YOUR product?


    This post will help: Top-Rated Merchant Account Providers

    -Phillip

  • benjamin adams

    Avoid at all cost. Do not get roped in with their promises of super low processing fees. This processing company does not have consistent processing fees, the come up with new ways to add fees monthly. When you finally talk to the right customer service rep. they say they will remove some of the fees which you shouldnt have been charged but they never credit you. Terminating your account is an absolute nightmare and will cost an exuberant mount. Scam artist at their finest with this processing company


    This post will help: Find and Eliminate Fees From Your Monthly Statement

    – Phillip

  • Brent

    Shift4 is easily the slowest credit card reader on the market since the invention of the cc reader. If you would rather play with an Atari instead of a PS4, then by all means Shift4 is just for you. Average time per credit card transactions are 26-32 seconds. Most machines average 5-8 seconds so think about that if you work in high volume retail and how much production you will lose. I work with this junk equipment everyday and everyday I make less money because of this slow generic equipment. And feel free to check out their aweful BBB reviews from merchants about Shift4/Harbortouch. Trust me, you don’t want these machines anywhere near your business!

    From The Editor
    This Post Might Help: Best High Volume Merchant Accounts

    • Henry

      This company has the worst customer service and policies. They make it extremely difficult to get out of contract and even when it’s expired they automatically renew it without a formal/courtesy call. So we returned 1 of the 2 equipment they sent us (cause I could not find the second one) then when we found the second one they said they never even received the first one! Luckily I kept the tracking number but even with that they could not verify what we returned. So they withdrew $200 from our account until they verify what was returned. WORST COMPANY EVER LIES AFTER LIES DONT TRUST AND GET IN THIS MESS!!!

  • Edward Burris

    From what we’re seeing in the field, Positouch, FuturePOS, Restaurant Manager are telling merchants to either switch to Shift4 Payments or pay an additional $89.00 per month for using their provider of choice. They’re not correcting anything. I’ll get a correspondence between merchant and Shift4 Payments/Harbortouch

    • mike

      Plus a per transaction fee starting at 3 cents

    • Alex

      I was working with a customer who has a FuturePOS. When he went to switch processors for a better deal, they said it would cost an additional $100 per month plus $0.05 per transaction. I was surprised by this high transaction cost.

Leave a reply

Your email address will not be published. Required fields are marked *

Copyright

Copyright © CardPaymentOptions.com, Inc. (Digital Fingerprint: 0d38c6720f0d78a701b74d58653af608). Getting paid to re-write this page? Click here to earn a reward.

Any unauthorized copying and reproduction of the content of this page, including all meta data and computer code, is strictly prohibited. While the information in the above article is believed to be accurate as of its publish date, the author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is,” and without warranties. Any and all use of trade names and/or marks are for identification purposes only and shall not be construed as a claim of affiliation, or otherwise, with CardPaymentOptions.com, Inc. ("CPO") in any form. The sole purpose of the material presented herein is to alert, educate, and inform readers. It is not intended as legal or financial advice. We may earn revenue if you obtain services from a provider that we recommend. See this page to learn how we support our operations.

Phillip Parker
Credit Card Processors
2 min read
40 Comments
FTC & Advertising Disclosure
We take great pride in providing one of the only objective an unbiased merchant account review websites on the internet. To support this enormous responsibility we earn some of our revenue through affiliate fees and advertising. These revenues in no way influence our ratings or reviews. Learn more about our monetization policies here.
Show disclosure
Share this post
Our Readers Frequently Choose
helcim logo
star star star star star
Helcim Payments
done
No Monthly or Annual Fees
done
Super Low Processing Rates
done
POS, Mobile, and Online Payments
Sales & Support: (888) 506-7812

Trouble Getting Approved? Try PaymentCloud
paymentcloud logo
star star star star star
PaymentCloud
done
Fast Approval of Most Industries
done
Competitive Rates
done
POS, Mobile, and E-Commerce
Sales & Support: (888) 506-7859

Educational Resources

Before You Switch Processors, Find Out How Other Businesses Got Fee Refunds From Their Current Processor.

Here Are The Processors Who Don't Hide Fees

Some processors have no monthly, no annual fees, no contract, and cheap rates.

Should You Work In Merchant Services?

It's a cut throat industry. Get the truth here.

Quickbooks Merchant Services Too Expensive?

These processors offers Quickbooks integrations and have low rates.

Here's Where To Report Bad Processors

Start by leaving a comment at the end of this review