Home > Processor Research > Stellar Payment Systems

Should You Sign Up With Stellar Payment Systems? Read This First

Name: Stellar Payment Systems
Item: Stellar Payment Systems
Rating: 4.3
Author: Phillip Parker

Author: Phillip Parker

Updated: September 28, 2025

Maintained Since: March 19, 2013

+ Advertising Notice

We take our role in providing guidance and education regarding the card payment industry very seriously. At our own expense, we have vigorously defended our right to continue expose unethical and predatory practices in the industry, successfully defeating every attempt to silence us. However, fending off frivolous lawsuits is costly. To sustain these efforts, one of the ways we generate revenue is through affiliate partnerships with ethical providers. This means that some of our outgoing links connect business owners to trustworthy, low-cost payment processors, which is what most of our readers seek. We see this revenue channel as a win-win-win for everyone involved. Business owners find good processors, processors get good clients, and we are able to continue to provide a valuable service to the small business community. We also recommend and link to many services that do not compensate us. Our priority is to guide you to the best solutions for your needs, regardless of potential revenue. If you have questions, please feel free to contact us.

All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.

Stellar Payment Systems

Rating

4.3/5

Leave User Review Compare Ratings

Pros

Features next-day funding

Accepts major cards

Offers loyalty programs

Mobile payment solutions

Data breach program.

Cons

Equipment leasing possible

Unresponsive customer service

Potential cancellation fees

Independent sales agents

Variable processing fees

Overview

In this Stellar Payment Systems review, we’ll take a closer look at their credit card processing services, including point-of-sale (POS) systems, mobile payment options, and e-commerce tools. We’ll highlight the types of businesses that may benefit most, while also examining customer reviews to uncover common trends and concerns. Along with services, we’ll review pricing, contract terms, and key features so you know exactly what to expect. By the end, you’ll have the insight needed to decide whether Stellar Payment Systems is the right choice for your business’s payment processing needs.

About Stellar Payment Systems

Screen Capture of Stellar Payments Homepage — Stellar Payments Homepage

Stellar Payment Systems is a merchant account provider located in Miami, Florida. The company is a reseller of First Data (now Fiserv) products and merchant services. The company also advertises Clover and Poynt as its POS system partners.

Products & Merchant Services

Payment Processing

Stellar Payment Systems manages transactions for major debit and credit cards, catering to a variety of business types. Their services include point-of-sale (POS) systems, mobile solutions, EMV card readers and swipers, NFC, business-to-business (B2B) transactions, mail order/telephone order (MOTO) payments, and e-commerce solutions.

Point of Sale Systems

Stellar Payment Systems provides different POS systems intended to enhance operational efficiency and customer service. Options range from traditional countertop terminals to modern touchscreen systems. Some systems also incorporate inventory management and reporting features, offering a comprehensive tool for managing business operations.

Mobile Payment Solutions

In response to the increasing trend of mobile commerce, Stellar Payment Systems offers a mobile payment solution. This service enables businesses to process credit and debit card payments via mobile devices.

E-Commerce Payment Gateway

For online businesses, Stellar Payment Systems provides an e-commerce payment gateway. This secure platform supports online payment processing and accommodates multiple payment methods and currencies.

Payment Security and Compliance

Stellar Payment Systems emphasizes security in payment processing, offering advanced measures such as encryption and tokenization. They also assist businesses in navigating compliance requirements, ensuring adherence to the Payment Card Industry Data Security Standard (PCI DSS).

Business Funding Solutions

In addition to payment processing, Stellar Payment Systems offers business funding solutions, including merchant cash advances. This financing option provides a lump sum in exchange for a percentage of future credit card sales.

Customer Reviews & Sentiment

Analyzing Stellar Payment Systems Reviews

Our research found around 10 negative Stellar Payment Systems reviews, with some labeling the company as a scam or ripoff. Notably, several complaints seem to originate from a former sales agent, as indicated by a company response. Considering this factor, we’ve treated these multiple complaints as a single instance. Common issues raised include questionable hiring and sales practices, unhelpful customer service, and costly contract terms. Despite these concerns, the overall complaint volume remains low relative to the company’s size and longevity. In the past year, numerous unverified positive comments have appeared in our comment section, but without verification, they have not influenced our rating. We encourage individuals to share their authentic Stellar Payment Systems reviews below.

Legal Status of Stellar Payment Systems

No class-action lawsuits or FTC complaints have been identified against Stellar Payment Systems. For those seeking non-litigious resolutions, reporting to appropriate supervisory organizations is recommended.

Industry Scores & User Ratings

Online Ratings Summary
PaymentPop	1
BBB Rating	N/A
Google Maps	4.5
Average Rating	4.5

PaymentPop Rating for Stellar Payment Systems

Negative Feedback

This company it’s all about robbing people don’t work with them

Positive Feedback

There are no positive reviews published about Stellar Payment Systems on the PaymentPop website.

Stellar Payment Systems BBB Rating

Stellar Payment Systems is not an accredited business with the Better Business Bureau. As of this review, the company does not have a rating with the BBB, though it has had 0 complaints or informal reviews filed against it in the last 36 months.

An “A” Performance Overall

Given the company’s clean complaint record, we award an “A” at this time despite the BBB not rating the company.

Google Maps Rating for Stellar Payment Systems

Stellar Payment Systems has a 4.5 out of 5 star rating based on 45 user reviews on Google Maps.

Positive Feedback

Thank you for your help and guidance to complete the necessary steps, and have our account up-to-date.
Year after year, very good service, thank you very much!

Negative Feedback

This is a company that will steal your funds and will give you the absolute worst customer service ever! Don’t trust this company! They take money from your account without any consent or communication. When you catch it, they will take months and months to “open an investigation” You will have to call to follow up dozens of times and they will make you feel like they are doing you a favor each time on the phone with their sighs and tone.

Processing Rates & Fees

Stellar Payment Systems Pricing Overview

Stellar Payment Systems, through its association with First Data (Fiserv), presents a variety of credit card processing solutions tailored to meet the needs of diverse business types and sizes. Their service offerings are segmented into distinct tiers, each with its unique pricing and features.

The “Flat Rate” option eliminates monthly fees, applying a straightforward per-transaction charge of 2.69% plus $0.25. The “Business” level introduces more nuanced rates, including 1.59% plus $0.25 for swiped transactions and 2.35% plus $0.25 for keyed-in transactions, alongside a monthly service charge of $69.95. For larger operations, the “Enterprise” package applies interchange-plus pricing at 0.39% per transaction, with a monthly commitment of $129. Lastly, the “Beyond” tier offers bespoke pricing, catering to businesses requiring comprehensive service and support.

Virtual Terminal and Payment Gateway Features

Embedded within each monthly plan, Stellar Payment Systems integrates virtual terminal and payment gateway solutions, primarily utilizing the Clover platform. While the core costs are included within the plan fees, merchants should proactively discuss potential additional charges such as gateway fees, technical support fees, and other transaction-related costs.

Contractual Considerations and Complaints

Despite a generally positive overview, some feedback highlights concerns over monthly minimums, PCI non-compliance fees, and elevated transaction charges. Partnerships typically involve standard contractual obligations including service duration, PCI compliance fees, and early termination fees, with First Data (Fiserv) contracts suggesting fees up to $495 for early termination and monthly PCI compliance fees around $19.95. Although the volume of public grievances remains low, the contractual terms offered by Stellar Payment Systems are deemed average within the industry, potentially limiting competitiveness against more cost-effective solutions.

For those with direct experiences or further insights into Stellar Payment Systems’ services and contracts, sharing your feedback in the comments could greatly benefit prospective clients.

Additionally, business owners are encouraged to explore our curated list of premier merchant account providers for potentially better terms and services.

Employee Reviews & Sales Practices

Sales Issues

Stellar Payment Systems partners with ISOs and independent sales agents to market its services. This hiring practice usually produces a high number of complaints for a company, as independent agents are typically motivated to sign merchants up for the most expensive contracts they can. We are currently able to locate a handful of negative Stellar Payment Systems reviews related to the company’s sales practices. Two of these Stellar Payment Systems complaints were filed by former employees who allege deceptive salary quotes, poor employee support, and training from the company that is intended to mislead clients, while other complaints allege repeated misrepresentation or nondisclosure of rates and fees.

This does not compare favorably to our list of best credit card processors.

Incomplete Rate Quotes

The Stellar Payment Systems website currently lists a number of rates and fees on its pricing page, including a qualified swiped rate of 1.59% plus $0.25 and a qualified keyed-in rate of 2.35% plus $0.25. These rates are clearly described as “qualified” rates, but the company’s higher mid-qualified and non-qualified rates are nowhere to be seen. This could give clients an unrealistic expectation of the effective rates they will pay. Business owners are encouraged to understand the full range of potential per-transaction rates that they may be charged. If you suspect that you are being charged undisclosed Stellar Payment Systems fees, we recommend seeking a third-party statement audit to find and eliminate hidden charges.

Terminal Sales

The Stellar Payment Systems website also sells payment terminals to merchants. An adequate credit card terminal can be purchased for $500 or less. Buying a terminal allows businesses to avoid costly equipment leases that can often be a part of their contracts.

Stellar Payment Systems Competitors

Compare Stellar Payment Systems to competitors that earned top marks.

Pricing

Bottom Line

Stellar Payment Systems currently rates as an above-average credit card processing provider according to our rating system. The company partners with First Data (Fiserv) to offer its services, which generally results in average contract terms. This partnership indicates a level of reliability, given First Data’s established reputation in the industry. Additionally, Stellar Payment Systems maintains a low complaint rate, suggesting that most customers are satisfied with the service they receive. However, it is important to note that our assessment could change as more information becomes available about the company’s standard contract terms and long-term performance.

For now, business owners should carefully evaluate their options and consider Stellar Payment Systems as a viable choice for credit card processing. However, they should also compare the company’s offerings with those of top-rated overall credit card processors to ensure they secure the best possible terms and support for their specific needs. Stellar Payment Systems’ current standing is promising, but thorough due diligence is recommended to make an informed decision.

Read Actual User Reviews

See User Reviews Write a Review

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

Contact Stellar Payment Systems

Contact & Customer Support
General Manager	Michael Oz
Headquarters	845 NE 79TH Street, Miami, Florida 33138
Toll-Free Customer Support	(800) 676-4030
Additional Support Channels	Online Contact Form
Website	stellarpay.com

About Us

CardPaymentOptions.com

Established 2009

My name is Phillip Parker, and I started this website back in 2009 as a simple blog to call out shady credit card processors that were taking advantage of small business owners. At the time, I had no idea this side project would grow into a leading voice pushing for transparency and integrity in the payment processing industry. I also didn't anticipate just how far some of these companies' owners would go to try to silence me.

I was recruited out of college for a sales role with a credit card processor. At the time, I didn't realize the “training” was really about tricking me... into selling business owners expensive processing with hidden fees and long-term service agreements. In my first few sales, I unknowingly cost friends and family thousands of dollars after they trusted me to switch their services. When it finally clicked that something was seriously wrong, I was furious. I quit immediately and made a promise to expose that company and any others operating the same way. That promise is what led to the creation of this website.

As I wrote about these processors, their tactics, and the people behind them, the articles started to spread among business owners. News organizations picked up the stories, readers shared them online, and traffic to the blog took off. Unsurprisingly, that also caught the attention of the companies and individuals I was exposing.

Over the last 17 years, I've received several anonymous death threats and defeated four lawsuits meant to intimidate me into taking my blog down. Their efforts to muzzle me only made my determination to expose them even stronger, leading me to work with state authorities to help shutdown some of the worst offenders.

I'm proud to say that of the millions of people who have read my work, thousands have taken the time to write and thank me for helping them narrowly avoid a very costly mistake. This blog has played a small role in pushing the industry toward more ethical practices - but there are still bad actors out there, which means the work isn't done.

If I can offer one piece of advice, it's this: get every promise in writing, and take the time to review contracts carefully. Tools like ChatGPT can help surface red flags and uncover expensive surprises buried in the fine print.

If you've made it this far, thank you for reading. I truly appreciate you being here, and I wish you every success with your business.

Our Research Methodology

Pricing & Fees

We analyze all costs including rate structures (interchange-plus, tiered, flat-rate, etc), monthly fees, equipment costs, early termination fees, and hidden charges. This data is gathered from service agreements, statements and client feedback.

Features & Technology

Evaluation of POS systems, e-commerce integrations, mobile capabilities, reporting tools, recurring billing..., and developer resources. When possible, we directly test services and hardware. Otherwise, we rely on client feedback and public information.

Customer Support

We evaluate availability across phone, email, chat, and social channels. Measuring hold times, night and weekend availability, and client feedback regarding effectiveness, professionalism, and resolution rates.

Contract Terms & Conditions

We review service agreements and equipment contracts for reasonability, transparency, and fairness. We focus on uncovering any predatory clauses, such as unjustified early termination fees, hidden costs, and unclear cancellation policies.

User Experience

We comb the internet and interview current and former clients to evaluate the overall user experience and identify any common pain points that may impact the user experience.

Sales & Marketing Practices

We evaluate sales tactics, marketing materials, and client feedback to determine the level of transparency and ethical nature of the provider's approach. Does the provider publicly disclose pricing? Do they use teaser rates? We score based on these and other factors.

Processor Leaderboard

Merchant Education

More Merchant Education

Popular Reviews

See All Reviews