SphereCommerce Merchant Services 2023: Reviews & Complaints

Rates as Low as 1.7%, No Monthly Fees, No Contract, 24/7 Support. See Who It Is Now.

Sphere Logo
Star Full Star Full Star Empty Star Empty Star Empty

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

PhonePhone(855) 426-6842 View Pricing

Company Overview

A Waud Capital Partners private equity company, Sphere is a merchant account provider partnered with a multi-level marketing company called ACN. More commonly known as SphereCommerce, the company was created following Waud Capital Partners’ 2017 acquisitions of Anovia Payments and TrustCommerce, a payment gateway provider, Anovia relied on TSYS Merchant Solutions for its processing networks in the U.S. and First Data (now Fiserv) for its processing network in Canada, and these relationships may remain unchanged under its new name. In fact, it appears that Sphere functions in a more-or-less similar fashion to Anovia Payments even after the acquisition.

SphereCommerce is partnered with a number of businesses, including Radix Health, Raintree Systems, Qgiv Inc., MDofficeManager, and Saina Health.

Sphere Commerce Payment Processing

Sphere Commerce processes all major credit and debit cards. They have a few branches of their services: Health iPASS focuses on mobile payments for hospitals and healthcare providers, Qgiv processes payments for non-profits and fundraisers, while TrustCommerce provides processing for more traditional merchants. Through TrustCommerce, Sphere offers POS systems, virtual terminals, ACH processing, an open API, PCI compliance, e-commerce solutions, data reporting and analysis, recurring billing, and mobile payment solutions.

POS Systems

SphereCommerce offers POS systems that provide businesses with advanced features such as inventory management, employee management, and reporting tools. Their POS systems are user-friendly, versatile, and customizable to meet the specific needs of each business.

Virtual Terminals

SphereCommerce provides virtual terminals that enable businesses to accept payments online, making it easy for businesses to manage their online transactions. Their virtual terminals are secure, easy-to-use, and come with a range of features that make managing transactions simple and efficient.

E-commerce Solutions

SphereCommerce offers e-commerce solutions that allow businesses to accept payments online. Their e-commerce solutions are equipped with state-of-the-art features, such as fraud detection and prevention, to ensure secure online transactions.

Mobile Payments

SphereCommerce offers mobile payment solutions that enable businesses to accept payments using their mobile devices. Their mobile payment solutions are secure, fast, and easy-to-use, making them an ideal payment option for businesses that are always on-the-go.

Location & Ownership

Sphere was formerly headquartered at 1033 Demonbreun Street, Suite 300 Nashville, Tennessee 37203. However, it appears they have moved to 1 MacArthur Pl #400, Santa Ana, CA 92707, and its merchant services division is headquartered at Anovia Payments’ old headquarters of 600 Las Colinas Blvd., Suite 1200, Irving, Texas 75039. The company is a registered ISO/MSP of Merrick Bank, South Jordan, Utah; Wells Fargo Bank, N.A., Walnut Creek, CA.; Wells Fargo Bank, N.A., Canadian Branch, Toronto, ON, Canada; and  Elavon DAC. Steve Rizzuto is the president and CEO of Sphere, while Todd Baylis is CEO of Qgiv.

Table of Contents

  • Costs & Contract: Offers a three-year contract with…
  • Complaints & Service: Complaints number more than 70 on…
  • BBB Rating: Currently has a “D-” rating with the Better Business Bureau and Anovia Payments has no rating. Between the two profiles, the company has received…
  • Sales & Marketing: Appears to hire independent sales agents and has received…
Sphere Commerce services

Some of Sphere Commerce’s payment processing offerings

these processors announce that they now sync with quickbooks

Sphere Reviews and Complaints

Here's What Their Clients Say

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint
Excessive Fees
Recent Lawsuits

More Than 70 Complaints

We are able to locate only a few negative SphereCommerce reviews, but we have found more than 70 Anovia Payments complaints on this and other consumer protection websites. We consider these complaints to be applicable to Sphere, and some of these SphereCommerce complaints accuse the company of being a scam or a ripoff. Complainants mention a wide range of different issues, including internal problems among employees, inaccurate pricing quotes, undisclosed contract terms, costly one-time and recurring fees, unreachable customer service, and unexplained fund-holds. If you have your own SphereCommerce review to make, please do so in the comments below.

Sphere Lawsuits and Fines

Sphere was named in Bradley Sanger vs. Trust Commerce Technology, a legal case where Bradley Sanger, a merchant, sued Trust Commerce Technology, a payment processing company, for breach of contract, fraud, and unfair business practices. Sanger claimed that Trust Commerce Technology failed to provide the services it promised, withheld funds, and engaged in deceptive business practices. The case was settled out of court, and the terms of the settlement were not disclosed.

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

Sphere Customer Support Options

The Sphere website lists a phone number for general customer support and an email form for non-urgent issues.

Sphere Customer Service Numbers

  • (855) 426-6842 – Toll-Free General Customer Service
  • (855) 330-7057 – Canadian Sales
  • (855) 330-7057 – Canadian Support
  • (800) 915-1680 – Payment Gateway Sales Support

Other Support Options

  • Customer support form

Given Sphere and Anovia’s complaint volume and the content of the complaints, we will assign it a “C” in this category at this time.

Sphere BBB Rating and Report

Our Better Business Bureau Profile Assessment

BBB Summary

BBB Reports

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.

Rising Complaint Total

Sphere is represented by two BBB profiles; one for Sphere Commerce and one for Anovia Payments. Sphere Commerce currently has a “D-” rating with the Better Business Bureau and is not BBB accredited, while Anovia Payments now has no rating with the BBB and is not accredited. The company is showing 17 complaints between the two profiles over the last 36 months.

What Merchants Say

Sphere has also received 7 informal reviews on their BBB profile. 6 of these reviews are negative in tone. The latest review that was negative in tone describes hidden fees and problems with cancellation:

Sphere is the worst company I ever worked with. I had to pick a star to post this. I give them zero stars! They steal your money by charging your bank account over and over. Every time I try to close my account with them, getting no where. 1st I was told not to do anything and the account will automatically close due to nonactivity and he would make sure its done. Trying to get some answers calling and calling getting no satisfaction. They’ve been taking money out of my account for 3 years well over $3000. This last time I was told I had to pay $495 to close the account. Why would I have to do that. I am expecting the $3000 in my account. If it is not there immediately I will call and report them to the necessary people. Lisa B

Merchants in this situation can benefit from learning how to cancel their accounts without paying a fee.

A “C” Performance Overall

In light of the company’s moderate complaint volume and resolution ratio, we have adjusted the BBB’s rating to a “C.”

in the news apple versus banks

Sphere Fees and Rates

A Closer Look at the Contract

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

Cost Summary

Processing Rates
Cancellation Penalties
Monthly & Annual Fees
Equipment Leasing

Three-Year Contract

SphereCommerce rates and contract terms are likely to be identical to the Anovia contract terms. Anovia does not list its pricing and fees on its website, but we have been able to determine some of the company’s costs by reading client complaints. Sphere’s partnerships with TSYS and First Data (Fiserv) also mean that Sphere likely offers contract terms that are very similar to the terms offered by those companies.

First Data (Fiserv) Contract Terms

Typical contracts with First Data (Fiserv) offer a wide variety of contract terms and pricing plans, but its standard agreement is typically a multi-year contract with an early termination fee of $495, a monthly PCI compliance fee of $19.95, and tiered pricing. Businesses that process up to $50,000 each month will receive a swiped rate of 2.69% plus $0.19 and a keyed-in rate of 3.69% plus $0.19. Businesses whose monthly charges exceed $50,000 will receive a swiped rate of 2.29% plus $0.19 and a keyed-in rate of 3.29% plus $0.19. These contracts may also include equipment leases through First Data Global Leasing.

TSYS Pricing Plans

At the time of a previous update, the TSYS website outlined three pricing plans. The “Pursue” plan listed a swiped rate of 2.5% plus $0.20 per transaction and a keyed rate of 3.5% plus $0.20 per transaction. The “Grow” plan listed a swipe rate of 1.99% plus $0.20 per transaction and a keyed rate of 3.1% plus $0.20 per transaction. The “Accelerate” plan listed a swipe rate of 1.7% plus $0.20 per transaction and a keyed rate of 3% plus $0.20 per transaction.

TSYS Contract Terms

TSYS Merchant Solutions’ basic contracts also include a three-year service agreement that automatically renews for one-year terms unless the client cancels during a small window of opportunity. Businesses that cancel outside of the grace period will be subject to a $295 Early Termination Fee (ETF). This, with an automatically renewing contract, greatly reduces the company’s rating in this section as it makes avoiding paying an early termination fee difficult. In addition, clients are charged a quarterly PCI compliance fee of $18.80 ($75.20 a year).

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Sphere also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. However, pricing is not disclosed on either of those services. Additional SphereCommerce rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.

Other Sphere Fees

Recent Sphere complaints indicate that Sphere’s minimum early termination fee is $495, but that some clients that terminate may face a liquidated damages fee calculated by multiplying the number of months remaining in the contract by the business’ average monthly processing fees. One SphereCommerce complaint cited a $22 monthly service fee and a $30 monthly fee for a service called “Anovia Insights.” SphereCommerce reviews also mention issues with fund-holds, which may be related to account setup errors. We encourage business owners to check out our list of the providers of the best merchant accounts.

Pricier Than the Competition

Our reviews of Sphere’s backend processors describe those companies’ contract terms as average, and the client feedback we’ve received about Anovia confirms that the company is not a cheap merchant account provider. We will therefore assign Sphere a “D” rating in this section at this time. If you have any knowledge about the standard Sphere fees or contract, please leave that information in the comment section of this review.

Sphere Commerce virtual terminal

Sphere Commerce offers e-commerce solutions, including a virtual terminal

Sphere Jobs and Employment

Hiring Standards and Ethical Marketing Assessment

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

Uses Independent Resellers
Misleading Marketing
Discloses All Important Terms

In-House Sales Team

Like Anovia Payments, Sphere primarily hires in-house, W2-employed sales representatives to market its services directly. While this is preferable to the industry standard of hiring independently contracted agents, it is worth noting that Anovia is partnered with a telecommunications company called ACN to refer merchants. In general, this compares favorably to our list of best credit card processors.

Partnered With ACN

Although there are numerous negative ACN reviews online, a Sphere representative has stated that ACN sales reps do not have the ability to offer specific pricing or product recommendations to businesses. In addition, clients interact with Sphere for the entire sales process, and ACN representatives are not involved directly with the process. Sphere also has a referral program in place that allows business owners to make residuals by referring other merchants to Sphere.

Broken Sales Promises

This sales structure is designed to prevent businesses from experiencing deceptive practices when dealing with Sphere. However, we have located a low-to-moderate number of Anovia Payments complaints describing issues with the account setup process and rate guarantees from Anovia reps. It seems that some Anovia reps promise to beat or match clients’ current rates, but some dispute whether this guarantee is fulfilled. Other SphereCommerce reviews mention nondisclosure of the company’s contract length and expensive termination fees. It is likely that these issues may persist under the Sphere brand name. If you suspect that you are paying an undisclosed SphereCommerce fee, we recommend that you obtain a fee reduction audit from an independent third party. If you have any such SphereCommerce complaints to make, please do so in the comment section below.

Mixed Merchant Feedback

All told, the number of negative Sphere reviews we’ve received since our Anovia Payments review’s initial publication raises some concerns about Sphere’s sales approach. This has forced us to lower the company’s score in this section to a precautionary “C.”

Sphere Review Summary

Our Final Thoughts and Opinions

According to the company’s complaint trends, Sphere rates as an average credit card processing provider. The company appears to have some issues related to customer service and sales tactics, and its pricing appears to be more expensive than average for the industry. Businesses are encouraged to inquire about all possible fees before signing up with Sphere, and to compare it to more affordable options with better reviews.

If you found this article helpful, please share it!

Sphere Competitors

Compare Quotes From These Processors

Customer & Employee Reviews

What Others Are Saying About Sphere

Leave a reply

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


Comments must contain details about your experience. Please do not use ALL CAPS. Self-promotion, marketing content, or contact information of any kind will not be published. By submitting a comment, you are agreeing to our Comment Policy

8 Responses

  • Daniel Toth

    Toth Network Construction LLC

    I agree. I want currently challenging a change off from them that was sent to collections of $1120 just because I cancelled after one month of service. I can’t find any supporting documents that state that I agree to that. Wish me luck in getting it removed and DON’T get into business with them.

    Toth Network Construction LLC

  • Glenda

    Very Very bad experience. I will not recommend ANYONE use this company.

  • Zach Blenkinsopp

    I am an 80% disabled veteran and own a small construction business. We signed through a friend with Anovia payments at a nominal charge of $15-$30 a month. After a year or so, we stopped doing residential jobs, therefore, we didn’t need the processing service anymore. Apparently, Sphere bought out Anovia and tried to charge us an absurd rate of $500 to cancel, but I believe we settled at $300 just to get rid of the service.

    The next thing I know, I get a $1,850 delinquent account on my PERSONAL Credit Report! As a small business owner, my credit score is vital to our success. I am disgusted there are businesses like this out there. If you work for a dishonest company like this, you should be ashamed of yourself.

  • Jyoti Sharma

    I have been in business for last 20 years this is worst credit card processing company I have ever used I have given them my 6 business account which are supposed to funded next day that never happened on top of that they put chargeback on my account without any customer dispute calling it a risk transaction with out any information .when I call them the representative put me to Rick department to the person Named Michal who called himself the decision maker with worst attitude not ready to listen and not to help .you end up begging for your own hard earned money and on top of that he holds all my accounts for no reason .so guys please be aware of this company and it’s not a small amount it’s $3400 dollars and the chargeback is for $3650 unbelievable when I ask them to put me the higher authority to speak ,the customer service Lady Armanda said there is no body is higher than him and she won’t let me speak to Manger.one more thing I came to know they are holding reserves on your accounts without your knowledge.so if you still want to do business with them Good luck.

  • David

    This is a really bad company. I know that they bought one seemingly great running company (trust commerce) and one really shitty run company (anovia) and combined them to form Sphere in late 2017. It looks like they took out all the Execs at trust. I’ve work with trust since almost 2009 and they have gone downhill since Sphere took over. Sad, I wanted to work there since 2010, as well as most people I know in the industry. It was a company that I admired and there aren’t many of those these days.. The people, the products and leadership was 1st class. Now it’s another cruddy iso. Stay away, far away!!!

    Please don’t use my name. Thank you.

  • Camille

    Although this company did offer me a lower transaction fee, there are ALOT of hidden fees associated with this company. They also will not tell you that once you sign up with you are locked into a 3 year contract. If you cancel you will pay a $500 cancellation fee. There are other fee as well such as insurance and account fees that are determined bases your monthly transaction.

    I understand that there are fees associated with every merchant service but none of the additional fees or contract was discussed prior to me signing up.


    This post will help: Cancelling a Merchant Account Without Paying a Fee


  • Alan Wu


    One of the worst mistake i ever made. I signed up with Anovia 5 years ago (later on got brought or became Sphere) because one of my friend talked me into it and i thought why not, i got a good merchant service and also help out my friend. Turned out it was the worst mistake i have ever made.
    2 years ago i stopped receiving electronic statements for no reason and due to the business growing so i overlooked this; later on i found out they have been charged me so called “anovia insight” hidde fee for $50/month for almot 2 years; i called them back and asked them what it was, the rep said it was a new way to help us analyze the data which i didn’t request or needed. I asked for the refund and they put me thru the loops of the phone calls and was never successful. The represntative, Alex Spink, so called the retention specaliest, was not very hepful as well. While I was talking to him, I asked him why all the hidden fees were charged and the exact words he toled me was “we all have to make money somehow” (no joke).
    When I was ready to switch out the service in the middle of May this year but they told me they have automatically renewal my contract for another year because it was expired in early May. In order for me to cancel the contract I will have to pay $595 cancellation fee.

    How can the company renewal my contract without any notice? I called Alex back and he told me it was in the contract I signed 4 years ago. I requested a copy of the contract for review and it’s has been almost 2 months still haven’t gotten it. In the meantime I decided to go with another company just waited it out until contract expires, but I just checked my bank statement and showed a charged $161 for the service I don’t even use! This is ridiculous. Absolute scam! I am currenlty looking into the banking regulation and laws and see how I can get out of this mess. DO NOT USE THIS COMPANY AT ALL COST!!

    This post will help: Cancelling a Merchant Account Without Paying a Fee



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
date range
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.
closecloseShow disclosure

About The Author

Phillip Parker is the creator and author behind this website. He has over 15 years of experience in the credit card processing industry as a journalist, consultant, and former merchant account sales professional. He started this project as a blog to expose merchant services providers that engage in predatory business practices, such as deceptive marketing, misleading pricing, and high-pressure sales tactics. His goal is to help business owners find merchant account providers who serve their industry well while offering fair rates with no junk fees and no long-term commitments.

Phillip has researched over 1,000 payment processors and been quoted in numerous high-profile publications, including the Los Angeles Time, INC Magazine, The Atlantic, and the Miami Herald among others.

Need advice on card acceptance? Schedule a consultation with Phillip.

Phillip’s Top Processor Picks:
Retail, restaurant, e-commerce, mobile, professional services, and invoicing, Phillip recommends Helcim and CDG Commerce.

High-risk businesses, Phillip recommends PaymentCloud and Host Merchant Services.

How Our Ratings Work

Please note that our rating system was overhauled on April 26th, 2023. Reviews dated before this date may not score in accordance with the following.

Star Rating Criteria:

At the start of our research, all processors are awarded five stars. We deduct stars if the processor engages in any of the following:

– One star deduction if the processor has any junk fees.

– One star deduction if the processor does not post its pricing clearly on its website.

– One Star deduction if the processor is suffering from moderate client complaints.

– Multiple Star deductions if a processor is suffering from severe complaints, imposes unjust cancellation fees, markets non-cancellable equipment leases, engages in predatory rate pricing, or may be engaged in illegal activities.

Get all of the details regarding out rating criteria here.

Educational Resources

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

Phillip's Popular Reviews
stripe logo
Stripe Credit Card Processing
March 19, 2023
square credit card processing logo
Square Card Reader & POS
March 19, 2023
Intuit Merchant Services
March 17, 2023
Shopify Logo
Shopify E-Commerce
February 11, 2022

Here Are The Processors Who Don't Hide Fees

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

Phillip's Top Picks by Industry

Should You Work In Merchant Services?

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

Quickbooks Payments Too Expensive?

These processors offer Quickbooks integration and have low rates.

Overpaying? Find Out.

processing cost calculator

Here's Where To Report Bad Processors

Start by leaving a comment at the end of this review


Our Readers Frequently Choose