USAePay Review: Fees, Complaints, Lawsuits & Comparisons

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PhonePhone(866) 872-3729 ext. 707 View Pricing

Before You Switch Processors, Find Out How Other Businesses Got Fee Refunds From Their Current Processor.

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. 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, e-commerce solutions including shopping carts, vertical markets, merchant consoles, 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 and Alex Goretsky is the CFO.

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
USAePay payment gateway

USAePay is a major payment gateway provider

Should You Trust USAePay?

Lawsuits, Reviews & Complaints

Here's Who We Trust.

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint

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 Lawsuits

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 Service Options

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

We have located multiple 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

USAePay does not offers this email for customer service:

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

Is the BBB Rating for USAePay Accurate?

Better Business Bureau Profile

See Which Processors Offer No Monthly Fees And No Contracts.

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

How Expensive is USAePay Service?

Rates, Fees, and Contract Terms

Don't Fall Into An Expensive Trap. See Who The Worst Processors Are.

Cost Summary

Early Termination Fee
PCI Compliance Fee
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.

Does USAePay Use Deceptive Marketing?

Advertising & Sales Strategy

Audit Your Current Statement To Find Its Hidden Fees

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Key Points

Employs Independent Resellers
Advertises Deceptive Rates
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 merchants 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 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 to negotiate merchant account fees to be in your favor.

Does USAePay Deserve Your Business?

Review Summary & Our Thoughts

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.

Customer & Employee Reviews

What Others Are Saying About USAePay

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.

    • Phillip 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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Phillip Parker
Credit Card Processors
2 min read
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