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Can You Trust USAePay for Secure Payment Processing?

Name: USAePay
Item: USAePay
Rating: 5
Author: Phillip Parker

Author: Phillip Parker

Updated: October 1, 2025

Maintained Since: September 29, 2015

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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.

USAePay

Rating

5/5

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Pros

High-Level Security

Mobile Payment Capabilities

User-Friendly Interface

24/7 Support

Versatile Integrations

Cons

Dated Interface

Limited Direct Sales

Variable Transaction Fees

Potential Delays

Quote-Based Pricing

Overview

Update: USAePay has been acquired by NMI. In this review, we take a detailed look at USAePay as a credit card processing service, examining its features, pricing, and overall reliability. We cover the platform’s payment solutions, customer support options, and user experiences, while also comparing it with other credit card processors to highlight its strengths and weaknesses. By the end, this review provides a clear understanding of what USAePay offers and whether it is a good fit for your business needs under its new ownership with NMI.

About USAePay

Screen Capture of USAePay Homepage — USAePay Homepage

Also known as USAePay, USAePay is a credit card processing company headquartered in Los Angeles, California. Established in 1998, the company provides payment gateway solutions for merchants of all sizes. USAePay offers a wide range of services, including mobile payments, point-of-sale systems, and e-commerce integrations. Over the years, the company has formed partnerships with various hardware and software providers to enhance its service offerings. Notable integrations include those with QuickBooks, WooCommerce, and Shopify, enabling seamless transaction processing for online and brick-and-mortar businesses. In 2019, USAePay introduced EMV and NFC capabilities to its payment gateway, ensuring compliance with the latest security standards. The company continues to innovate, focusing on enhancing security features and providing comprehensive support to its users. Recent developments include advanced fraud prevention tools and expanded support for alternative payment methods.

Products & Merchant Services

Payment Gateway

USAePay functions similarly to (link unavailable), compatible with all major credit card processors. Unlike (link unavailable), USAePay does not offer its own merchant account pricing, so most users sign up for the payment gateway service through a reseller. In addition to the payment gateway, USAePay provides POS integration services, EMV integration, and e-commerce solutions, including shopping carts, vertical markets, merchant consoles, MOTO, and mobile processing.

Mobile Payment Solutions

USAePay offers a mobile payment application that enables secure and fast transactions from smartphones and tablets, allowing merchants to accept payments on the go at locations such as trade shows or off-site events.

Point of Sale Integration

USAePay provides comprehensive Point of Sale (POS) integrations for businesses operating both online and in physical locations. This ensures a seamless transaction experience across various sales channels.

Developer-Friendly API and SDK

USAePay features a developer-friendly API and SDK, facilitating customization and easy integration with various eCommerce platforms and shopping carts. This flexibility allows businesses to tailor the payment gateway to their specific requirements.

Fraud Prevention Tools

Security is a key focus for USAePay, which offers a range of fraud prevention tools. These include tokenization and address verification services to help merchants reduce the risk of fraudulent transactions.

Virtual Terminal for Manual Entry

USAePay provides a virtual terminal for merchants who need to manually enter transaction information. This online interface ensures secure and straightforward manual payment processing.

Batch Processing and Reporting

USAePay supports batch processing, enabling merchants to submit multiple transactions in one batch for authorization and settlement. The platform also offers extensive reporting tools to help track and analyze sales data.

E-commerce Shopping Cart Support

USAePay integrates seamlessly with various eCommerce shopping cart solutions, allowing merchants to provide a smooth and secure checkout experience for online shoppers.

Customer Reviews & Sentiment

Positive User Feedback

While there are just over 20 negative USAePay reviews online, none of them label the company as a scam or ripoff. Most complaints center around software malfunctions such as delayed payments, multiple charges, or account issues, as well as occasional reports of unsatisfactory customer service. However, these complaints are balanced by numerous positive reviews praising the system’s simplicity and the helpfulness of USAePay’s customer support team. It appears that while USAePay doesn’t have widespread issues with its software or support, individual merchant experiences may vary. Despite being in business for over two decades, the overall complaint volume remains low. Share your own USAePay review in the comments below.

Legal Matters and Complaints

As of now, there are no outstanding class-action lawsuits or FTC complaints filed against USAePay. For dissatisfied clients seeking alternatives to legal action, reporting concerns to relevant supervisory organizations is recommended.

Efficient Customer Support

USAePay provides live phone support and email assistance, both of which seem to efficiently address user issues.

Industry Scores & User Ratings

Online Ratings Summary
BBB Rating	N/A

No Dedicated Profile

The Better Business Bureau does not currently maintain a profile for USAePay. We therefore will not factor a BBB rating into this review.

Processing Rates & Fees

Flexible Pricing Structure

The pricing offered by USAePay resellers can vary significantly, as they have the freedom to adjust their pricing according to their business model. Typically, these providers charge a monthly payment gateway fee, alongside a possible per-transaction fee. Notably, USAePay does not impose long-term contracts or early termination fees, and it does not handle underwriting or billing responsibilities. Consequently, any concerns regarding USAePay’s pricing are specific to the individual reseller. It’s essential to note that while USAePay offers gateway services, the associated third-party merchant account may enforce additional fees.

Favorable Track Record

There have been no reported issues directly attributed to USAePay’s pricing or terms of use, leading us to assign the company an “A” rating in this regard. For businesses seeking to minimize costs, pairing USAePay’s payment gateway with a cost-effective payment processor is advisable. This approach helps ensure overall affordability and efficiency.

Employee Reviews & Sales Practices

A High-Security Gateway

One alluring aspect of USAePay is its Level 1 PCI compliance. This means that the company has the greatest level of security to prevent possible fraud against businesses whose credit card processing services use the USAePay gateway. That level of PCI compliance comes in addition to other security features offered by the company to ensure secure transactions. USAePay extends this standard of security to its check processing services.

Several Third-Party Resellers

USAePay primarily markets its services via a large number of resellers throughout the credit card processing industry. This means that most clients who sign up for USAePay’s payment gateway will do so through an independent sales office or ISO. These ISOs are free to set their own pricing and fees for USAePay or to bundle the product with other services as they see fit. As a result, there is tremendous variation among the potential sales experiences that clients can have. Since USAePay itself does not appear to maintain an outbound sales team that markets directly to businesses, we will assign it an “A” for the time being.

No Deceptive Marketing

The company also does not engage in deceptive advertising in its official marketing materials, and there are no USAePay reviews related to misconduct by the company’s sales team.

USAePay Competitors

Compare USAePay to competitors that earned top marks.

Pricing

Bottom Line

USAePay is considered a reliable credit card processing payment gateway provider. Its payment gateway software offers broad integration options and a versatile feature set, making it a useful tool for a variety of business types. However, the pricing and contract terms for USAePay can differ significantly depending on the reseller. To ensure the best value and service, businesses interested in USAePay should carefully evaluate the offerings of various resellers and pair the gateway with a highly rated merchant services provider. Doing so will help optimize their payment processing setup and ensure a smooth and secure transaction experience for their customers.

Read Actual User Reviews

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All user reviews have been moved to our partner, PaymentPop.com

Contact USAePay

Contact & Customer Support
CEO	Ben Goretsky
CFO	Alex Goretsky
Headquarters	833 Victory Blvd, Glendale, California 91201
Toll-Free General Customer Service	(866) 872-3729
Partner Support	(866) 872-3729 ext. 707
Integration Support	(866) 872-3729 ext. 706
Website	usaepay.info

About Us

CardPaymentOptions.com

Established 2009

My name is Phillip Parker, and I started this website back in 2009 as a simple blog to call out shady credit card processors that were taking advantage of small business owners. At the time, I had no idea this side project would grow into a leading voice pushing for transparency and integrity in the payment processing industry. I also didn't anticipate just how far some of these companies' owners would go to try to silence me.

I was recruited out of college for a sales role with a credit card processor. At the time, I didn't realize the “training” was really about tricking me... into selling business owners expensive processing with hidden fees and long-term service agreements. In my first few sales, I unknowingly cost friends and family thousands of dollars after they trusted me to switch their services. When it finally clicked that something was seriously wrong, I was furious. I quit immediately and made a promise to expose that company and any others operating the same way. That promise is what led to the creation of this website.

As I wrote about these processors, their tactics, and the people behind them, the articles started to spread among business owners. News organizations picked up the stories, readers shared them online, and traffic to the blog took off. Unsurprisingly, that also caught the attention of the companies and individuals I was exposing.

Over the last 17 years, I've received several anonymous death threats and defeated four lawsuits meant to intimidate me into taking my blog down. Their efforts to muzzle me only made my determination to expose them even stronger, leading me to work with state authorities to help shutdown some of the worst offenders.

I'm proud to say that of the millions of people who have read my work, thousands have taken the time to write and thank me for helping them narrowly avoid a very costly mistake. This blog has played a small role in pushing the industry toward more ethical practices - but there are still bad actors out there, which means the work isn't done.

If I can offer one piece of advice, it's this: get every promise in writing, and take the time to review contracts carefully. Tools like ChatGPT can help surface red flags and uncover expensive surprises buried in the fine print.

If you've made it this far, thank you for reading. I truly appreciate you being here, and I wish you every success with your business.

Our Research Methodology

Pricing & Fees

We analyze all costs including rate structures (interchange-plus, tiered, flat-rate, etc), monthly fees, equipment costs, early termination fees, and hidden charges. This data is gathered from service agreements, statements and client feedback.

Features & Technology

Evaluation of POS systems, e-commerce integrations, mobile capabilities, reporting tools, recurring billing..., and developer resources. When possible, we directly test services and hardware. Otherwise, we rely on client feedback and public information.

Customer Support

We evaluate availability across phone, email, chat, and social channels. Measuring hold times, night and weekend availability, and client feedback regarding effectiveness, professionalism, and resolution rates.

Contract Terms & Conditions

We review service agreements and equipment contracts for reasonability, transparency, and fairness. We focus on uncovering any predatory clauses, such as unjustified early termination fees, hidden costs, and unclear cancellation policies.

User Experience

We comb the internet and interview current and former clients to evaluate the overall user experience and identify any common pain points that may impact the user experience.

Sales & Marketing Practices

We evaluate sales tactics, marketing materials, and client feedback to determine the level of transparency and ethical nature of the provider's approach. Does the provider publicly disclose pricing? Do they use teaser rates? We score based on these and other factors.

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