USAePay 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.

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 payment gateway
USAePay is a major payment gateway provider

USAePay Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints 20+
Live Customer Support Yes
Most Common Complaint N/A
Recent Lawsuits No

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.

USAePay Customer Service Contact 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

These customer support channels align with industry standards for high-quality payment processing customer service.

USAePay Online Ratings

Here's How They Rate Online

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, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties No
Monthly & Annual Fees Yes
Processing Rates N/A
Equipment Leasing N/A

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.

USAePay payment gateway

USAePay Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers Yes
Telemarketing Possible
Misleading Marketing No
Discloses All Important Terms No

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.

Our USAePay Review Summary

Our Final Thoughts

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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Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did USAePay Treat You?

4 User Reviews

  • 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.

  • 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!

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