Switch Commerce Merchant Services 2023: Reviews & Complaints

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Switch Commerce Rating
full star idicating a 4.33 out of 5 star rating full star idicating a 4.33 out of 5 star rating full star idicating a 4.33 out of 5 star rating full star idicating a 4.33 out of 5 star rating empty star indicating a 4.33 out of 5 star rating

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image of a phone image of a phone that changes when your mouse hovers over it (972) 550-8900 View Pricing

Company Overview

Switch Commerce is a merchant account provider that originally established itself in the ATM industry in 2002. The company appears to rely on Sage Payment Solutions for its processing network.

Article Summary

Before we dive in, here’s a short summary of what we’ll cover:

  • Switch Commerce’s various payment processing services.
  • Switch Commerce contract terms are no longer readily available.
  • The company has received few complaints online.

Switch Commerce Payment Processing

Although it remains an ATM provider, Switch Commerce recently expanded its service offerings into credit card processing and merchant accounts via a mobile credit card processing app and card reader called iPayHere (formerly SwitchPay). iPayHere is a GoPayment-like service that offers pay-as-you-go pricing for numerous different business types. However, it is unclear if iPayHere is still in business and as such, if SwitchCommerce still relies upon it. Services Switch Commerce offers include dynamic currency conversion on their ATMs and a terminal management system.

Location & Ownership

Switch Commerce is located at 6565 North MacArthur Boulevard, Suite 1000, Irving, Texas 75039 and is a registered ISO/MSP of BMO Harris Bank N. A. Nancy Rimmer is listed as the CEO and Roger Myers is president of Switch Commerce.

Table of Contents

Switch Commerce ATM services
Switch Commerce primarily provides ATM services, but also does some payment processing

Switch Commerce Customer Reviews

Here's What Their Clients Say

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

Low Overall Complaint Total

We are currently unable to locate any Switch Commerce reviews that accuse the company of being a scam or a ripoff, and the company appears to be showing only one complaint on other consumer protection websites. The sole negative review cites excessive fees but does not go into detail about the nature of the fees. This impressive complaint volume may be the result of a responsive and available customer support staff, or it may be the result of Switch Commerce complaints being redirected to the online profiles of its backend processor. If you have your own Switch Commerce review to make, please do so in the comments below.

Switch Commerce Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Switch Commerce. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Switch Commerce Customer Support Options

The Switch Commerce website lists a dedicated support email address, but it seems likely that the company outsources its customer support to its processor.

Switch Commerce Customer Service Number

  • (972) 550-8900 – General Number

Other Support Options

Switch Commerce’s support options do not qualify it as a top-rated processor for customer service at this time. Still, the total lack of online complaints that mention Switch Commerce inclines us to award the company an “A” in this category.

Switch Commerce Online Ratings

Here's How They Rate Online

Online Ratings Summary
Item Result
BBB Reports 1

A Single Complaint

As of this review, Switch Commerce has a score of “B-” with the Better Business Bureau and is not accredited. The BBB is reporting 1 complaint against the company in the last 36 months. The complaint was resolved by the company to the dissatisfaction of the client or received no final response. Switch Commerce has also not received any informal reviews through its BBB profile, although it should be noted that these reviews are not subject to verification by the BBB. If you have your own Switch Commerce review to make, please do so in the comments below.

An “A” Performance

Due to the low number of complaints and Switch Commerce’s resolution rate, we have adjusted the BBB’s score to an “A”. Readers should note, however, that there are good reasons to be skeptical of the BBB’s rating system.

Switch Commerce Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Item Result
Cancellation Penalties Unclear
Monthly & Annual Fees Yes
Processing Rates Variable
Equipment Leasing Yes

Originally Processing Through iPayHere

As of this update, Switch Commerce has removed its pricing page and any mention of credit card processing from its website. The company once dedicated a portion of its website to iPayHere Merchant Services. However, it is unclear if iPayHere is still in business or if SwitchCommerce resells any other merchant account provider’s services instead.  iPayHere offers headphone-jack magnetic stripe readers that run the company’s iProcess software, as well as the full suite of POS and mobile phone payment processing devices from the First Data (now Fiserv) Clover line.

iPayHere Pricing

Before the iPayHere website became inactive, the company dedicated a portion of it to its pricing structure. A schedule of those rates and fees follows. Regardless of which hardware lineup clients opt for, the company’s per-transaction pricing appears to consist of a series of fixed rates that apply to each business based on the type of card swiped:

Depending on the types of cards merchants typically accept, this pricing structure has the potential to be much cheaper than average or much more expensive than average. Each merchant will need to consult this table and factor in hardware costs and any possible unlisted costs into their decision.

Difficult to Determine Pricing

There are currently no Switch Commerce complaints that mention the company’s pricing and fees at this time, which suggests that the majority of the company’s clients are satisfied with their costs. However, Switch Commerce does not qualify as one of the cheapest merchant accounts. Business owners are advised to read their contracts carefully and ask about any additional fees. If you have any knowledge of the current Switch Commerce contract (including any monthly fees, PCI compliance fees, or early termination fees), please leave that information in the comment section of this review.

Given the fact that the company has removed its pricing schedule from its website and the ambiguous status of iPayPhere’s operations, this review includes the last set of available rates and fees. Given the lack of clarity surrounding those factors, we award SwitchCommerce a “C” in this category.

iPayHere Pricing Table

Pricing Table – ipayhere.com/pricing.html

Switch Commerce Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Item Result
Uses Independent Resellers Yes
Telemarketing Likely
Misleading Marketing No
Discloses All Important Terms No

Sales Through Partnerships

Switch Commerce appears to partner with independent resellers and ISOs to market its services. This is a common practice within the card processing industry that tends to result in a higher complaint volume for a company since it can be difficult for any business to monitor the conduct of independent sales entities. Switch Commerce does not appear to be showing the usual amount of complaints associated with this practice, as we are currently unable to locate any negative Switch Commerce reviews that mention the sales team.

Rate Quotes Disclaimer

The iPayHere website advertises its service by quoting multiple rates for different card types. Beneath these quotes is a disclaimer: “Fees, dues, and assessments as applicable passed through.” What this likely means is that clients will pay the listed transaction fees plus the Dues & Assessment fee associated with all Visa and MasterCard transactions, which is roughly an additional tenth of a percent. Although these costs are clearly disclosed, clients should be sure to verify that this is the full extent of the company’s fees. If you suspect that Switch Commerce is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden charges.

Terminal Management System

In addition to payment processing, Switch Commerce also provides businesses with a terminal management system to monitor their ATMs. The system assigns terminal IDs, monitors cash balances, tracks, errors, and automates reports. This service is hosted on the company’s proprietary app MobileTMS.

Switch Commerce terminal management system

Switch Commerce’s terminal management system works both on desktop and mobile

Our Switch Commerce Review Summary

Our Final Thoughts

Switch Commerce rates as a better-than-average credit card processing provider according to our rating criteria. The company shows only one complaint across all consumer protection websites, but it may conduct most of its merchant account business under the iPayHere brand at this point. Readers are encouraged to read their contracts carefully, to strongly negotiate terms, and to compare Switch Commerce’s services to those offered by top-rated credit card processors.

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Your Comments & Reviews

How Did Switch Commerce Treat You?

1 Responses

  • Maxwell Cathy

    I am thrilled with the exceptional services provided by Switch Commerce. Their expertise in the payment processing industry is truly commendable. From the moment I signed up, I knew I was in capable hands. Their seamless integration and user-friendly interface made the onboarding process a breeze.

    Switch Commerce’s commitment to security and reliability is remarkable. I feel at ease knowing that my customers’ sensitive data is well-protected. Whenever I encountered any questions or concerns, their customer support team was prompt and knowledgeable, offering quick resolutions without any hassle.

    Thanks to Switch Commerce, my business has experienced a significant boost in efficiency and growth. Their competitive rates and transparent billing system have also been a great advantage. I wholeheartedly recommend Switch Commerce to any business seeking a top-notch payment processing solution. They’ve earned my trust and loyalty.

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