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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. 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
Should You Trust USAePay?
Lawsuits, Reviews & Complaints
Here's Who We Trust.
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.
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: support@USAePay.com
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
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Early Termination Fee
PCI Compliance Fee
Gateway Set Up Fee
Up to $100
$25 Per Month
Equipment Lease Terms
To Be Determined by Third Party
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
Does USAePay Use Deceptive Marketing?
Advertising & Sales Strategy
Audit Your Current Statement To Find Its Hidden Fees
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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.