Upserve Reviews & Complaints

Overall Score
full star full star full star full star full star
How did they treat you?
Pros and Cons
Pros: Cons:
Cloud-based with analytics​​. Cons: Restricted third-party integrations​
Competitive flat-rate fees (2.49% + $0.15/transaction)​​. Limited processing flexibility​​.
Offline mode functionality​​. High costs for small businesses​​.
EMV transaction support​​. No self-service kiosks​​.
Integrated payment processing​​. Potential server downtime issues​​.


In this review of Upserve, we will provide a detailed overview of the company's credit card processing and restaurant management services. We will cover the range of features they offer, including point-of-sale (POS) systems, mobile payment solutions, and e-commerce capabilities tailored for the restaurant industry. The review will identify the types of businesses that might benefit from these services. Additionally, we will examine client and customer reviews to highlight common trends and potential concerns. The article will also address the company's pricing structure, contract terms, and specific features provided. By the end of this review, you will understand whether Upserve meets your restaurant's payment processing and management needs.

About Upserve

Upserve is a merchant account, point-of-sale, and marketing services provider for U.S. restaurants. The company was launched in 2009 and rebranded itself as Upserve in March 2016. It also acquired Breadcrumb POS in May 2016 and the restaurant inventory management software SimpleOrder in 2018. In April 2019, Upserve announced the appointment of Kendra Tucker as its Chief Revenue Officer. Tucker had previously been employed as the Director of Go-to-Market at Vista Consulting Group, a subsidiary of Vista Equity Partners, which holds a managing stake in Upserve.

In 2020, Lightspeed purchased Upserve, though it continues to operate the company under its own brand.

Upserve Products and Services

Payment Processing

Upserve provides payment processing for all debit and credit cards specifically for restaurants. Their offerings include EMV card readers, POS systems, restaurant management tools, gift and loyalty programs, and mobile processing. To access Upserve's comprehensive data analytics features, merchants are now required to use its payment processing service.

Upserve Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints 10+
Live Customer Support Yes
Most Common Complaint N/A

Low Complaint Total

Our findings show roughly 20 Upserve complaints, with a few labeling the company as a scam or a ripoff. The main issues raised by complainants include hidden fees and lackluster customer service. However, some of these complaints have been addressed by company representatives, often leading to satisfactory resolutions. If you have an experience or complaint about Upserve, we encourage you to share it in the comments below.

Upserve Lawsuits and Fines

No significant class-action lawsuits or Federal Trade Commission (FTC) complaints have been found against Upserve. Merchants seeking non-litigious methods to address their concerns are advised to consider reporting them to appropriate supervisory organizations.

Upserve Customer Service Options

Upserve maintains a dedicated support website featuring live chat, as well as 24/7 phone and email support. These contact methods align closely with the standards of top-rated merchant accounts known for excellent customer service. Considering the company’s relatively low number of complaints and its comprehensive support options, we award Upserve an “A” rating in this category.

Upserve’s customer service contact details:

Upserve Online Ratings

Here's How They Rate Online

Online Ratings Summary
Product & Service Complaints 13
Billing & Collection Complaints 4
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Under 20 Complaints

Upserve has been an accredited business with the Better Business Bureau since 2010. As of this review, the company has an “A+” rating with the BBB and has had 17 complaints filed against it in the last 36 months. 13 complaints relate to a product or service issue while the other 4 stemmed from issues with billing or collections. 7 of these 13 complaints were resolved to the satisfaction of the merchant. The remaining 6 were resolved to the dissatisfaction of the merchant or received no final reply.

What Merchants Say

In addition to those 17 complaints, the company has also received 51 informal reviews on its BBB profile. 44 of those reviews are positive while only 6 are negative in tone. The most recent negative review details problems with customer service and the server:

Just converted to Upserve from Toast Implementation support and customer service are horrible, Second weekend system went off line Friday and Saturday night of a holiday weekend.

This merchant would be better served by one of our top-rated processors for customer service.

An “A+” Performance Overall

In light of the company’s low complaint total and resolution ratio, we agree with the BBB’s rating as of this update.

Upserve Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Flat Rate 2.49% + $0.15
Core Plan Fee $59 Per Month
Core Plan Additional Terminal Fee $60 Per Month
Pro Plan Fee $199 Per Month
Pro Plan Additional Terminal Fee $50 Per Month
Pro Plus Plan Fee $359 Per Month
Pro Plus Additional Terminal Fee $40 Per Month
Online Ordering Fee $59 Per Month (Core Plan Only)
Inventory Fee $99 Per Month (Core Plan Only)
Early Termination Fee $300

Three Pricing Plans

Upserve now has three pricing options designed for restaurants of varying sizes. Each package comes with a monthly fee and a transaction fee of 2.49% plus $0.15. The first terminal is included at no extra cost, with a set fee for additional terminals.

The “Core” Plan

Priced at $59 per month and $60 for each extra terminal, the “Core” plan offers Upserve Workforce, Upserve Marketing, and access to a live mobile app at no additional cost. Optional features include Upserve Online Ordering for $59/month and Upserve Inventory for $99/month.

The “Pro” Plan

The “Pro” plan is available for $199 monthly, with additional terminals costing $50 each. This plan expands on the “Core” by including Upserve Workforce, Upserve Marketing, a limited-time offer on Upserve Online Ordering, Upserve Inventory, Upserve Loyalty, and the live mobile app.

The “Pro Plus” Plan

At $359 per month and $40 for each additional terminal, the “Pro Plus” package is the most extensive, catering to larger establishments. It includes all “Pro” features, plus custom reporting, data API, and enterprise account management tools.

Previously Listed Rate Quote

While Upserve’s pricing structure seems to align with the scope of services provided, it may not suit smaller restaurants or single-register outlets that may not fully utilize its features. The absence of the previously advertised interchange plus $0.15 transaction fee suggests a potential increase in payment processing charges.

Upserve Contract Terms

Details on Upserve’s contract duration, early termination fees, PCI compliance fees, monthly minimums, and other fees are limited. A report suggests a three-year agreement with a $300 early termination fee, yet no complaints have surfaced regarding excessive charges. Merchants are advised to confirm these details prior to engagement. If you’re aware of Upserve’s specific fees and terms, sharing in the comments of this review would be appreciated.

For more competitive options, merchants can explore our selection of the top merchant account providers.

Upserve Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms No

Upserve Sales Approach

Upserve appears to market itself primarily through telemarketing, referral partnerships, and its website. There is no indication at this time that the company employs independent sales agents or partners with ISOs. We are currently able to locate a few Upserve complaints that cite hidden fees, poor customer service, and a handful of employee complaints describing a “hiring mill” type of environment. It is unclear at the moment how this compares to our list of the best credit card processors.

Upserve Pricing

The Upserve website is navigable and informative. At the time of our last update, its “Pricing” page quoted the rate for Upserve’s in-house payments service as interchange plus $0.15, which was fairly low, and we could not find any evidence that this rate was misleadingly quoted. As of this update, the “Pricing” page has been modified to now simply say “transparent fixed rate” beneath its “Payment Processing” section. We will therefore assign the company an “A” rating in this category for the time being. Upserve’s pricing options are one reason it has become a leading provider for businesses within the restaurant industry.

Our Upserve Review Summary

Our Final Thoughts

Upserve rates as a reliable merchant services provider according to our rating criteria. The company demonstrates a commendable level of customer satisfaction, evidenced by the relatively few complaints found online. Upserve appears to offer straightforward and competitive contract terms, coupled with adequate customer support, making it a solid choice for businesses seeking reliable merchant services.

However, it is important to note that Upserve’s overall rating may evolve as it continues to establish its reputation among merchants. As the company grows and receives more feedback, its standing could shift based on new data and customer experiences. For now, restaurant business owners, in particular, might benefit from exploring top-recommended restaurant merchant account providers. These specialized providers often offer the most competitive pricing and contract terms tailored to the unique needs of the restaurant industry. By comparing these options, restaurant owners can ensure they receive the best possible deal and support for their specific business requirements.

Location and Ownership

Upserve is a registered ISO/MSP of Wells Fargo Bank, N.A., in Concord, California, and is located at 10 Dorrance St, Providence, Rhode Island 02903. Sheryl Hoskins is listed as the CEO of Upserve.

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Testimonials & Complaints

How Did Upserve Treat You?

4 User Reviews

  • Nikki

    Blue Mabel LLC

    I have had two restaurants with Upserve and Lightspeed, and regretted the decision 6 months into our contract. The customer service and support is really horrible, they expect you to troubleshoot printer outages caused by the backend of the software thru “printer support articles” in the middle of high volume dinner service. They make an incredible amount of revenue off of our business (both were doing $5M a year) and did nothing to support our business the length of the contract. We are finally finishing our contracts out, and I am grateful I negotiated 36 months instead of the 60 month contract they were trying to push our management into doing. If this helps any restaurant owner out there, you are welcome. There are some great POS companies out there, with real support, and a real commitment to small businesses.

  • Cory Royer

    Double E Perfomance Center

    We have been a good customer with Upserve and simply wanted to discuss a new contract. Customer Service is nearly zero when you need to talk with someone from the contract department or even our own representative. Since early July 2022 — Multiple calls and emails with promises from Upserve of a return call, yet no. No response from Upserve. On my 5th attempted phone call on July 29th, the person who answered the phone shared with me that my account representative did not want to take my call, there was no one else to talk to and instead wanted to return my call in about a week. I explained how I had been lead down that trail of belief before and that if I wasn’t able to talk with someone today, we would be completely stopping payments with Upserve and moving to another vendor. The representative put me on hold a second time only to come back and share that my account representative still would not come to the phone. We have stopped payments and have moved on. The strategy apparently is to ignore their customers.

  • Marita Jager

    We signed up with Upserve January 1st, 2021 – a brand new restaurant. I did so much research because I wanted a system that was really productive and efficent with great customer service.

    We have been going through an impossible situation. My biggest problem is the lack of customer service. I feel like I’m talking to a black hole. Many times there is an hour wait to talk to someone – luckily they will call you if you opt for that once someone is available so you don’t have to wait on the phone. But of course most things are urgent when it comes to the POS.

    Our POS system completely stopped working from May 24th to June 6th. We were finally able to run credit cards after two days of writing the credit card numbers down by hand so we could input them once the system was back up. There are NO local reps to help you. While they have a 24 hour phone line, their technicians are not working 24 hours, so only when we are open are they able to help us – from about 9 a.m. to 8 p.m., but for some reason the phone help person did not relay that to me, so I came in three days in a row at 7 a.m. to try to work through our problems while we were not open, yet the phone help line attendants did not bother to tell me that until the fourth day.

    For 13 days all the credit card we ran didn’t go into the system – well some did some didn’t – so I had to take pictures of every credit card receipt – 1000s, and then send them by e-mail to upserve. My real complaint is that no one has contacted me letting me know they did receive the credit card receipts, even though I e-mailed and called and asked if they recieved them all, so that I could have some piece of mind. One day only $4 were recorded in their system on a day we rang over $6000. I tallied up all the credit cards and then ran a report of all the reciept that went through and those that didn’t and determined that upserved owed us over $32,000. Yet no one would acknowledge the amount. I think that’s the worst part – not knowing what’s going on.

    Now a month later upserve is charging the customers for their reciepts that didn’t go through so we are gettig really angry phone calls putting a bad taste in our customers mouths after we worked so hard to set up a new business and get a great reputation. Our reveiws for our restarant are fantastic – but I’m very scared about what’s going to happen now with 1000s of customers getting what they believe to be frodulent charges from our restaurant.

    Communication is key – and their is none from this company. I was on the phone for hour after hour and finally asked the service phone person if he could work on it without me on the phone and call me back when he had some news. He said yes. He never called me back. Several days of this with no one calling me back I finally got an e-mail from someone saying they are the manager and would be handling my case – but she never called me even after I requested that she do several times. Then she wrote that not only do they not make outgoing phone calles – as soon I you hang up with them, the phone call ends and they take the next income call. It was a little baffeling that the phone service person simply said ok that he would work on my case and call me back, when he knew once I hung up he would have to take the next incoming call.

    I’ve asked to be let out of my contract – that’s all I want – and the only response I got from the manger via e-mail was that it would cost us $27,000 . It’s just not acceptable.

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