USAePay Overview

USAePay May Have Overcharged You

If you accepted credit cards through USAePay or any other credit card processing company between 2017 and 2019, recent changes to the law may entitle you to refunds of certain debit card and credit card processing errors and overcharges. See this post to find out if your were among the businesses affected and to learn how you can get your money back.

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
Are you a decision maker with USAePay? Claim this review.

Products & Services Offered

  • Debit and credit card processing
  • Apple and Android device compatibility
  • Bluetooth printer and barcode scanner compatibility
  • Online payment gateway and virtual terminal
  • Customer and inventory management
  • EMV-compatible POS equipment

Types of Businesses Served

  • Retail
  • E-commerce
  • Mobile
  • MOTO

Our unbiased reviews are supported, in part, by helping you find highly rated merchant accounts. You can learn more here.

USAePay Rates, Fees, and Costs

Key Points

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.

Are you happy with your USAePay fees? Tell us about them before your go!

Response from USAePay

Are you a representative of USAePay? Add your voice to this section for free!

USAePay Complaints & Customer Reviews

Key Points

Total Online Complaints 20+
Live Customer Support Yes
Most Common Complaint N/A

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.

USAePay Lawsits

We have not found any outstanding class-action lawsuits or FTC complaints filed against USAePay. Dissatisfied merchants 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. This is consistent with our expectations for great payment processing customer service.

Do you have a complaint or testimonial about USAePay? Make your voice heard before you go!

Response from USAePay

Are you a representative of USAePay? Add your voice to this section for free!

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.

How has USAePay treated you? Tell us about it here!

Response from USAePay

Are you a representative of USAePay? Add your voice to this section for free!

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.

Did you get what you expected from USAePay? Tell us why, or why not.

Response from USAePay

Are you a representative of USAePay? Add your voice to this section for free!

USAePay Marketing Example

USAePay Logo

Our Opinion of USAePay

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.

We rely on your feedback about USAePay to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

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

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, 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 on this website.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,156,834 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

Submit a Statement

  • Accepted file types: jpg, png, pdf, xls, xlsx.

4 Reviews Leave Your Review for USAePay Below

  1. Dr. Verpuhovsky says:

    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.

    1. CPO Admin says:

      Hi Dr. Verpuhovsky,

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

  2. shane h. says:

    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!

  3. annoymous says:

    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.

Leave a Review for USAePay

Your email address will not be published. Required fields are marked *

Please do not use profanity or ALL CAPITAL LETTERS in your review. Reviews must provide a detailed account of your experience. By submitting a review or comment to CPO, you are agreeing to our Comment Policy.