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USAePay Review

Phillip Parker
Phillip Parker

I was tired of watching unethical merchant services companies take advantage of unsuspecting business owners, so I built this website and wrote hundreds of reviews to expose their shady business practices.

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USAePay Overview

We take great pride in providing one of the only objective an unbiased merchant account review websites on the internet. To support this enormous responsibility we earn some of our revenue through affiliate fees and advertising. These revenues in no way influence our ratings or reviews. Learn more about our monetization policies here. 

Rating

5/5
USAePay Logo
Website
(866) 872-3729 ext. 707

Most Recent Comment

  • 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 knowledge..." Read More
    Reply Leave Your Own Comment
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Rating:
5/5
USAePay Logo
View Rates & Fees
(866) 872-3729 ext. 707

Most Recent Comment

  • 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 knowledge..." Read More
    Reply Leave Your Own Comment
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A Widely Compatible Payment Gateway

Founded in 1998, USAePay is an online payment gateway provider that enables merchant accounts to accept credit cards using the internet. 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, MOTO, and mobile processing.

USAePay 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.

USAePay Review Table of Contents

  • Costs & Contract: USAePay offers variable contract terms depending on the reseller who offers it.
  • Complaints & Service: USAePay has received more than 20 public complaints.
  • BBB Rating: USAePay does not have a Better Business Bureau profile at this time.
  • Sales & Marketing: USAePay does not appear to hire independent sales agents and has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With USAePay
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USAePay Rates, Fees, and Costs

USAePay Rates, Fees, and Costs

Cost Summary

Early Termination Fee $0
PCI Compliance Fee $0
Gateway Set Up Fee Up to $100
Gateway Fee $25 Per Month
Equipment Lease Terms To Be Determined by Third Party

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 merchants card processing services, whatever third party merchant account that is associated with the company’s gateway services may 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. Merchants should seek out a cheap payment processor to use with USAePay’s payment gateway to keep overall costs to a minimum.

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USAePay BBB Rating Summary

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

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms No

A High Security Gatway

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 merchants whose credit card processing services using the company’s 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 merchants 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 merchants can have. Since USAePay itself does not appear to maintain an outbound sales team that markets directly to merchants, 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 complaints related to misconduct by the company’s sales team. Be sure to read “Fee Sweep” to understand how negotiate to resellers’ merchant account fees to be in your favor.

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Sales & Marketing Example

Our Opinion Of USAePay

USAePay Logo

A Solid Payment Gateway

USAePay rates as a reliable 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. Merchants who are interested in USAePay are encouraged to pair the service with a highly rated merchant services provider.

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Why I'm Qualified to Write About Credit Card Processing

I’m a small business owner who previously worked in the credit card processing industry. I started this blog in 2009 to help other business owners by exposing credit card processors that engage in unethical marketing, rate and fee trickery, and fine-print-contract schemes. Over the last decade, I’ve reviewed hundreds of merchant services providers which has helped to educate over 5 million businesses on the nuances of credit and debit card acceptance. I’ve appeared in the New York Times, Los Angeles Times, Inc. Magazine and a host of other publications to offer insight on the subject of card acceptance. 

I offer merchant account and credit card processing consultation for the following needs:

  • Selecting the right credit card processing services for your business.
  • Reducing credit card processing fees with your current merchant account provider.
  • Negotiating credit card processing fees when changing merchant accounts.
  • Strategies for reducing and recovering funding holds and chargebacks.

 

Schedule a call with me today!

 

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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.

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Hi Dr. Verpuhovsky,

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

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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!

0
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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.

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

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