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.
In this Switch Commerce review, we’ll provide a clear overview of their credit card processing services, including point-of-sale (POS) systems, ATM solutions, and mobile payment options. We’ll highlight which types of businesses may benefit most from their offerings, while also examining customer reviews to reveal common feedback and concerns. Along with services, we’ll cover pricing, contract terms, and overall performance so you know what to expect. By the end, you’ll have the insights needed to decide whether Switch Commerce is the right choice for your business’s payment processing needs.
About Switch Commerce
Switch Commerce Homepage
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.
Products & Merchant Services
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.
Customer Reviews & Sentiment
Low Overall Complaint Total
Our research found no Switch Commerce reviews that label the company as a scam or ripoff. Additionally, there seems to be just one complaint on other consumer protection websites, focusing on excessive fees without extensive detail. The low number of complaints might be attributed to effective customer support by Switch Commerce, or possibly due to complaints being directed to its backend processor’s online profiles. If you have personal experiences or reviews about Switch Commerce, please share them in the comments section.
Switch Commerce Lawsuits
No significant class-action lawsuits or FTC complaints have been identified against Switch Commerce. Clients seeking non-litigious means to address concerns with Switch Commerce are recommended to report them to relevant supervisory organizations.
Switch Commerce Customer Support Options
Switch Commerce provides customer support, including a dedicated email address, listed on their website. It’s plausible that the company might outsource part of its customer support to its processor.
Industry Scores & User Ratings
Online Ratings Summary
PaymentPop
5
BBB Rating
N/A
PaymentPop Rating for Switch Commerce
Negative Feedback
There are no negative reviews published about Switch Commerce on the PaymentPop website.
Positive Feedback
We’ve been with Switch Commerce for over two years now, and their platform continues to exceed expectations. Their reporting tools are incredibly intuitive, and any time we’ve needed help their support team has been fast, knowledgeable, and helpful. It’s rare to find a company in this space that truly prioritizes their customers the way Switch does.
Switch Commerce BBB Rating
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.
Processing Rates & Fees
Transition from iPayHere Processing
Switch Commerce has recently updated its website to exclude the pricing page and any references to credit card processing services. Previously, the company highlighted iPayHere Merchant Services as part of its offerings. It’s now uncertain whether iPayHere remains operational or if SwitchCommerce has shifted to partnering with different merchant account providers. iPayHere was known for its headphone-jack magnetic stripe readers that supported iProcess software, in addition to offering the comprehensive range of POS and mobile payment processing devices from the First Data (now Fiserv)Clover product line.
iPayHere Pricing
When the iPayHere website was active, it provided detailed information on its pricing model. The rates and fees varied depending on the hardware chosen by clients, but typically involved a set of fixed per-transaction rates determined by the type of card processed:
This pricing model could potentially offer savings or cost significantly more than the industry average, depending on the card types a merchant accepts. Businesses were encouraged to review these rates closely, considering both hardware expenses and any additional, undisclosed fees.
Evaluating Pricing Transparency
Currently, there are no Switch Commerce complaints specifically addressing the company’s pricing and fees, indicating general client satisfaction with cost-related aspects. Despite this, it’s important to note that Switch Commerce is not recognized among the most affordable merchant accounts. Business owners should thoroughly review their contracts for any undisclosed fees, including monthly fees, PCI compliance fees, and early termination fees. If you possess updated information about Switch Commerce’s current contract terms, you’re encouraged to share your insights in the comments section of this review.
With the removal of its pricing information and the uncertain status of iPayHere, this analysis includes the last known rates and fees for transparency. Due to these factors, SwitchCommerce is assigned a grade of “C” for its pricing transparency.
Last known pricing table – ipayhere.com/pricing.html
Employee Reviews & Sales Practices
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’s terminal management system works both on desktop and mobile
Switch Commerce Competitors
Compare Switch Commerce to competitors that earned top marks.
Switch Commerce ranks as a better-than-average credit card processing provider by our rating criteria. The company has just one complaint across all consumer protection websites, suggesting a positive overall reputation. However, it appears that most of its merchant account operations might now be conducted under the iPayHere brand.
To ensure businesses secure the best possible terms, we recommend that readers carefully scrutinize their contracts and negotiate terms assertively. Comparing Switch Commerce’s services to those of top-rated credit card processors can help merchants confirm that they’re obtaining the most favorable pricing and comprehensive service for their specific needs. This diligent approach will enable businesses to make well-informed decisions that support their financial goals.
