USAePay 2023: Card Processing Reviews & Complaints

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Company Overview

Founded in 1998, USAePay is an online payment gateway provider that enables merchant accounts to accept credit cards using the internet. USAePay was acquired by “payment enablement” company NMI (essentially a payment processor) in February 2021. It appears USAePay will continue operating under its own brand, and it should be noted that we rate NMI as a dependable company, so this only bodes well for USAePay in our view.

Article Summary

Before we dive in, here’s a short summary of what we’ll cover:

  • USAePay’s various payment processing services.
  • USAePay provides a payment gateway and not a full processing account, which means their services will be resold by others and the terms will vary.
  • The company has received few complaints online.

USAePay Payment Gateway

Like Authorize.Net, USAePay can be used with all major credit card processors, but unlike Authorize.Net, the company does not appear to offer its own merchant account pricing. This means that the vast majority of USAePay users will sign up for the company’s payment gateway service through a reseller. In addition to providing a payment gateway, USAePay also 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 provides a mobile payment application that enables secure and fast transactions from smartphones and tablets. This allows merchants to accept payments on the go, whether it’s at a trade show or any off-site location.

Point of Sale Integration

For businesses that operate both online and in physical locations, USAePay offers robust Point of Sale (POS) integrations. This flexibility allows for a seamless transaction experience across different sales channels.

Developer-Friendly API and SDK

USAePay is equipped with a developer-friendly API and SDK, enabling customization and easy integration with various eCommerce platforms and shopping carts. This empowers businesses to adapt the payment gateway to their specific needs.

Fraud Prevention Tools

Security is a priority for USAePay, offering a suite of fraud prevention tools. Features like tokenization and address verification services are provided to help merchants mitigate the risk of fraudulent transactions.

Virtual Terminal for Manual Entry

For merchants who need to manually enter transaction information, USAePay offers a virtual terminal. This online interface enables secure and straightforward manual payment processing.

Batch Processing and Reporting

USAePay provides batch processing, allowing merchants to submit multiple transactions in a single batch for authorization and settlement. The platform also offers extensive reporting tools to track and analyze sales data.

E-commerce Shopping Cart Support

The platform offers seamless integrations with various eCommerce shopping cart solutions, allowing merchants to offer a smooth and secure checkout experience for online shoppers.

Location and Ownership

USAePay is a GorCorp, Inc. company and is headquartered at 1833 Victory Blvd, Glendale, California 91201. Ben Goretsky is the CEO of USAePay and Alex Goretsky is the CFO.

USAePay Pros and Cons


  • Few Complaints


  • Only a Gateway, Must Be Paired with a Provider

Table of Contents

USAePay payment gateway
USAePay is a major payment gateway provider

USAePay Customer Complaints & Reviews

Here's What Users Think

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint
Recent Lawsuits

Low Complaint Volume

There are just over 20 negative USAePay reviews online, though none of those complaints describe the company as a scam or a ripoff. Most complaints are related to either a software malfunction (delayed payments, multiple charges, account issues) or poor customer service. These complaints are also counterbalanced by a large number of reviews expressing satisfaction with the simplicity of the system and praising the company’s helpful customer support team. It, therefore, seems that USAePay does not have any specific issues with its software or customer support, but that unique factors might lead to a negative experience for a merchant. Overall, this complaint total is very low for a company that has been in business for over twenty years. If you have your own USAePay review to make, please do so in the comments below.

USAePay Lawsuits

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

USAePay Customer Support Options

USAePay offers live phone support and email support to its users, and these channels appear to handle issues efficiently.

USAePay Customer Service Numbers

  • (866) 872-3729 – Toll-Free General Customer Service
  • (866) 872-3729 ext. 707 – Partner Support
  • (866) 872-3729 ext. 706 – Integration Support

Other Support Options

This is consistent with our expectations for great payment processing customer service.

USAePay BBB Rating and Report

Our Better Business Bureau Profile Assessment

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.

USAePay Fees and Rates

A Closer Look at the Contract

Cost Summary

Cancellation Penalties
Monthly & Annual Fees
Processing Rates
Equipment Leasing

Variable Pricing

USAePay resellers are free to modify their pricing as they see fit, so the service’s costs and contract terms will vary. Typically, merchant account providers will charge a monthly payment gateway fee to cover their costs as USAePay resellers, plus a possible small per-transaction fee. USAePay does not appear to enforce long-term contracts or charge early termination fees, and it does not handle underwriting or billing duties. As a result, any complaints related to USAePay’s pricing are only relevant for the specific reseller that set that pricing. However, since USAePay does not provide clients with card processing services, whatever third-party merchant account is associated with the company’s gateway services will enforce any applicable fees.

No Reported Issues

There are no complaints directly related to USAePay’s terms of use or pricing, and we have assigned the company an “A” rating in light of this fact. Readers should seek out a cheap payment processor to use with USAePay’s payment gateway to keep overall costs to a minimum.

USAePay Jobs and Employment

Hiring Standards and Ethical Marketing Assessment

Key Points

Uses Independent Resellers
Misleading Marketing
Discloses All Important Terms

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 Review Summary

Our Final Thoughts and Opinions

A Solid Payment Gateway

USAePay rates as a reliable credit card processing payment gateway provider according to our rating criteria. The USAePay payment gateway’s pricing and contract terms will vary from reseller to reseller, but the product itself appears to be useful software with broad integration options. Readers who are interested in USAePay are encouraged to pair the service with a highly rated merchant services provider.

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Customer & Employee Reviews

What Others Are Saying About USAePay

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4 Responses

  • Dr. Verpuhovsky

    I have been a client of USAEPAY for years. I have never had an issue with them. Customer service support is top notch, friendly and knowledgeable staff. Quick to respond and solve any issues I may have. I recommend USAEPAY to all my business a quintessential and friends. I just wish my Merchants Bank was that good as well. 10+ in my book.

    • CPO

      Hi Dr. Verpuhovsky,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  • shane h.

    on hold for 58 minutes so far. I am a customer and just need to login to my account. lol…this is how you treat your own customers…btw I have been a customer for 10 years…looking to change now…you should be ashamed that you keep anyone on hold for 1 hour!

  • annoymous

    UsaEpay – Might be good but right now you would never know. The reseller form is blocked because of a malfunctioning CAPATCHA and that is crippled by them not returning 3 consecutive phone calls for 3 consecutive days as well as emails to “support” have not been returned.

    Are you with USAePay? Learn how to resolve this complaint.


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We are committed to ensuring the accountability of credit card processors by bringing transparency to their business practices. Our primary objective is to safeguard North American businesses from unscrupulous processors that impose substantial rate markups, unjustifiable fees, and exploitative contracts that result in annual losses of billions of dollars for small business owners.

We have been in operation since 2009, diligently conducting comprehensive research, publishing extensive reviews, and monitoring more than 1,000 payment processors. Our expertise in the merchant services industry has garnered recognition from esteemed publications such as the Los Angeles Times, INC Magazine, The Atlantic, and the Miami Herald, among others.

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Please note that our rating system was overhauled on April 26th, 2023. Reviews dated before this date may not score in accordance with the following.

Star Rating Criteria:

At the start of our research, all processors are awarded five stars. We deduct stars if the processor engages in any of the following business practices:

– One star deduction if the processor has any junk fees.

– One star deduction if the processor does not post its pricing clearly on its website.

– One Star deduction if the processor is suffering from moderate client complaints.

– Multiple Star deductions if a processor is suffering from severe complaints, imposes unjust cancellation fees, markets non-cancellable equipment leases, engages in predatory rate pricing, or may be engaged in illegal activities.

Get all of the details regarding out rating criteria here.

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