iPayment Review

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Users' Rating

iPayment is a popular processing solution, with hundreds of thousands of merchants utilizing its services. The company keeps its rates private, offering customized pricing to business upon request. Interchange-plus pricing is available, which could be a more affordable option for many merchants. While the company has several fees, rates are open to negotiation, which must be done at the beginning, when the merchant has bargaining power. A merchant will be signed to a three-year contract, with fees of as much as $350 if a cancellation is requested before the three years are up. Each business will be responsible for a yearly PCI compliance fee of $100, with a $30 monthly non-compliance fee if the PCI assessment is not completed. Other possible fees include an $8 statement fee and a $25 fee for any chargebacks. Before signing on the dotted line, merchants should carefully review all fees, although many are comparable to those charged by other processing providers.

CUSTOMIZABLE SOLUTIONS

iPayment creates customized processing solutions for businesses of all sizes in a variety of industries, whether merchants are retail, online, or mail order. The suite of solutions provided by iPayment can be used to accept most major credit and debit cards, as well as processing gift and loyalty cards and paper and electronic checks. iPayment also has a specialized service for those in the petroleum industry to help meet their unique processing needs.

Merchants have an extra layer of security thanks to iPayment’s fraud detection and prevention. If a business has questions about chargebacks or needs assistance with a payment-related issue, the company’s skilled customer service team can help, whether through the frequently asked questions section or a one-on-one call to the customer support team.

Using the iAccess tool, merchants can gain access to all information pertaining to their accounts, including statements, batch totals, and chargebacks. This access is available 24/7 to help merchants remain in control of their own accounts. Through regular reports, businesses can make informed decisions that will ensure long-term success.

iPayment is especially a great solution for growing businesses who are new to credit card processing. POS software is customized and delivered ready to go, including the merchant identification number a business needs to begin accepting payments from major credit card issuers. Merchants also have access to training that will help them get started.

EQUIPMENT

iPayment specializes in services for retail and online sales. Merchants can choose to either buy or lease POS equipment from iPayment, including card readers and other equipment. iPayment handles equipment deployment, taking the stress away from businesses.

CUSTOMER SERVICE

Technical support is available from 5 a.m. to 8 p.m. PST Monday through Friday and 7:30 a.m. to 4:30 p.m. PST Saturday and Sunday. Support is available by phone or email.

THE GOOD

Solutions are available for businesses in specialized industries

Personalized training is provided to new merchants after signup

THE BAD

Fees are not publicly disclosed

AND THE UGLY

Technical support is only available during business hours. No evening support is available on Saturdays or Sundays

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