Upserve Overview

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A Restaurant Merchant Services Provider

Formerly known as “Swipely,” 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.

Upserve Location and Ownership

Headquartered in Providence, Rhode Island, Upserve now requires merchants to use its payment processing service in order to have access to its robust data analytics features. 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.

Upserve Review Table of Contents

  • Costs & Contract: Upserve offers three plans. Their Core ($119/month), Pro ($249.00/month), and Pro Plus Plans ($399/month) each charge a transaction fee of $2.49 plus $0.15 across each plan.
  • Complaints & Service: Upserve has received fewer than 10 public complaints.
  • BBB Rating: Upserve has an “A+” rating with the Better Business Bureau and has received three complaints in the past three years.
  • Sales & Marketing: Upserve does not appear to hire independent sales representatives and has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Upserve

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Products & Services Offered

  • Debit and credit card processing
  • Custom sales reporting and analytics
  • Server performance tracking
  • Reputation management
  • Gift and loyalty programs
  • Single dashboard for social media and online feedback

Types of Businesses Served

  • Restaurant

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Upserve Rates, Fees, and Costs

Key Points

Flat Rate 2.49% + $0.15
Core Plan Fee $119/mo
Core Plan Terminal Fee $60/mo
Pro Plan Fee $249/mo
Pro Plan Terminal Fee $50/mo
Pro Plus Plan Fee $399/mo
Pro Plus Terminal Fee $40/mo
Online Ordering Fee $59/mo
Inventory Fee $99/mo
Early Termination Fee $300

Three Pricing Plans

Upserve now offers three pricing plans, each of which is intended for a different size of restaurant. Each plan includes a monthly subscription charge, a rate of 2.49% plus $0.15, as well as a free terminal with a fixed price for any additional terminals.

The “Core” Plan

The “Core” plan costs $119 per month and $60 per additional terminal. The “Core” Plan also includes Upserve Workforce, Upserve Marketing, and a live mobile app free of charge. Optional add-ons offered by this plan include Upserve Online Ordering ($59/month) and Upserve Inventory ($99/month).

The “Pro” Plan

The “Pro” plan costs $249 per month and $50 per additional terminal. The “Pro” Plan also includes Upserve Workforce, Upserve Marketing, Upserve Online Ordering, Upserve Inventory, Upserve Loyalty, and a live mobile app free of charge.

The “Pro Plus” Plan

The company’s final and most comprehensive package, the “Pro Plus” plan costs $399 per month and $40 per additional terminal. The “Pro” plan also includes Upserve Workforce, Upserve Marketing, Upserve Online Ordering, Upserve Inventory, Upserve Loyalty, and a live mobile app free of charge. The “Pro Plus” plan also includes custom reporting, data API, and enterprise account management tools aimed at larger scale companies.

Previously Listed Rate Quote

In general, Upserve’s pricing and fees appear to scale up appropriately for the services it provides. Upserve is probably not a good fit for most small restaurant locations and single-register shops, as these locations likely won’t make enough use of Upserve’s features to justify its monthly cost. Upserve’s previously advertised per-transaction fee of interchange plus $0.15 is very competitive for the industry, but the removal of this rate since our last review could hint at more expensive payment processing fees.

Upserve Contract Terms

Upserve provides surprisingly little information about its standard contract length, early termination fees, PCI compliance fees, monthly minimum fees, and other potential fees. We therefore cannot clarify whether Upserve’s contract terms are competitive with the cheapest merchant accounts. We have located one source that mentions a three-year contract with an early termination fee of $300, but we have not found any Upserve complaints that mention excessive costs. Merchants should be sure to inquire about these potential costs before signing up. If you have any knowledge of the exact fees and contract terms that accompany Upserve’s merchant account, please leave that information in the comment section of this review.

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Response from Upserve

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Upserve Complaints & Customer Reviews

Key Points

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

Low Complaint Total

We are currently able to locate approximately ten negative Upserve reviews, and a couple accuse the company of being a scam or a ripoff. Common themes among complainants include hidden fees and unavailable or unhelpful customer service. Some of these complaints received responses from company representatives that seem to have resolved the merchants’ issues satisfactorily.

Upserve Lawsuits

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

Upserve Customer Support

The company has a dedicated support website that hosts a live chat feature and 24/7 phone and email support. These contact options are close to what we expect from top-rated merchant accounts for great customer service. Given the company’s low complaint total and robust support options, we are awarding Upserve an “A” in this category at this time.

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Response from Upserve

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Upserve BBB Rating Summary

Key Points - BBB

Product & Service Complaints 1
Billing & Collection Complaints 2
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Under 10 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 three complaints filed against it in the last 36 months. One complaint was related to a product or service issue while the other two stemmed from issues with billing or collections. One complainant felt that Upserve resolved the issue to their satisfaction, and the other two issues were either resolved to the merchant’s dissatisfaction or did not receive a final response from the merchant.

What Merchants Say

One complaint describes difficulty paying monthly fees:

We are a company who purchased 3 restaurants in Portland, OR and inherited the “Breadcrumb” POS systems at all three. Those systems are managed by Upserve, who charges a monthly fee of $300 at each location. When we took acquisition of the restaurants in September, we were able to transition all the systems over to the new ownership and we were able to pay the monthly fees no problem. For some reason, I am told it was a glitch at Upserve, the monthly fees were charged to the old owner’s accounts at 2 of the locations. I immediately contacted Upserve and opened a case there to get this resolved. I have called them dozens of times and so have the new owners as well as the old owner. A month goes by without resolution and it happens again!

Merchants who find themselves in this situation may benefit from taking the proper steps to cancel their merchant account without paying a fee.

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.

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Response from Upserve

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Truth In Marketing & Advertising

Key Points

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 negative Upserve reviews that cite hidden fees, and a handful of employee complaints describe a “hiring mill” type of environment.

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.

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Response from Upserve

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Upserve Marketing Example

Upserve Logo

Our Opinion of Upserve

A Good Option for Restaurant Owners

Upserve rates as a reliable merchant services provider according to our rating criteria. The company is showing few complaints online and appears to offer simple, competitive contract terms with adequate customer support. Upserve’s overall rating may be subject to change as it continues to build a reputation among merchants. For now restaurant business owners may want to consider opting for a top-recommended restaurant merchant account provider to receive the most competitive pricing and contract terms.

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Thank you for reading my review. I hope that it has helped you with your research.

My Qualifications

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so decided to build this website to help you research which providers to use and how to save money on rates and fees. I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers here. Simply scroll to the top of the page to find the search bar. You can also message me if you need any guidance.

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