Switch Commerce Merchant Services Reviews & Complaints

Switch Commerce Logo
4.33
full star full star full star full star empty star

How did they treat you? ▼

Pros & Cons
Pros: Cons:
Competitive rates. BBB rating: B-.
Few online complaints. Pricing details unclear.
Live customer support. Uses independent resellers.
Secure and reliable. Contract terms vague.
Transparent billing. Limited online reviews.

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.

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.

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

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.

Switch Commerce Customer Service Number

  • (972) 550-8900 – General Number

Other Support Options

While Switch Commerce’s support options may not place it among the top-rated processors for customer service, the scarcity of online complaints regarding their support merits an “A” rating in this category.

Switch Commerce Online Ratings

Here's How They Rate Online

Online Ratings Summary
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
Cancellation Penalties Unclear
Monthly & Annual Fees Yes
Processing Rates Variable
Equipment Leasing Yes

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.

iPayHere Pricing Table
Last known pricing table – ipayhere.com/pricing.html

Switch Commerce Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
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 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.

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.

If you found this article helpful, please share it!

Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did Switch Commerce Treat You?

1 User Reviews

  • 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.

Tell Us How They Treated You

Sharing your experience influences our rating and helps other business owners make informed decisions. Please take a moment to tell us if they are serving you well. Your email address will never be published, shared or sold. We only use it to authenticate that you are a real person and, if you select the option for it, to let you know if someone replies to your comment. 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

Copyright

Copyright © 2024 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.