Overall Score
How did they treat you?
Pineapple Payments Card Processing Reviews & Complaints
| Pros: | Cons: |
|---|---|
| Few complaints, quick resolution. | No external reviews found. |
| Big company, many perks. | Contract terms unclear. |
| Accepts major payment types. | Uses independent marketers. |
| Extensive tech support. | Additional fees unspecified. |
| Charitable roundup options. | Setup time unknown. |
Overview
In this review of Pineapple Payments, we will provide a detailed overview of the company's credit card processing services. We will cover the range of services they offer, including point-of-sale (POS) systems, mobile payment solutions, and e-commerce capabilities. The review will identify the types of businesses that might benefit from these services. Additionally, we will examine client and customer reviews to highlight common trends and potential concerns. The article will also address the company's pricing structure, contract terms, and specific features provided. By the end of this review, you will understand whether Pineapple Payments meets your payment processing needs.
About Pineapple Payments
Founded in 2016, Pineapple Payments is a merchant account provider offering a full range of terminal and software-based payment processing options.
In October of 2017, Pineapple Payments announced its acquisition of Payline Data. The acquisition of that company means Pineapple Payments will provide its services to nearly 10,000 merchants with a combined annual processing volume of over $2 billion. Despite being a relatively new company, its advanced payment technology and experienced executive leadership have allowed the company to flourish in the 3 years or so it has been in business. Pineapple Payments also acquired Boston-based Beacon Payments and fellow Pittsburgh-based merchant account provider CardChamp in 2019.
In 2021, Pineapple Payments was acquired by mega-processor Fiserv. Fiserv appears to operate the company under its own brand.
Pineapple Payments Products and Services
Payment Processing
Pineapple Payments processes all major debit and credit cards, utilizing Worldpay, TSYS, and First Data (Fiserv) to provide omnichannel payment processing for merchants of all sizes. The company also offers QuickBooks integration, enabling recurring billing, accounts receivable/accounts payable tracking, and customized payment pages such as bill-pay portals. Additionally, they support ACH payments, mobile payments, and e-commerce transactions.
POS System Service
Pineapple Payments provides a comprehensive Point of Sale (POS) system designed to enhance the payment experience for businesses and customers by streamlining transactions.
Mobile POS Service
The mobile POS service offered by Pineapple Payments allows businesses to process payments from virtually any location. This is especially useful for mobile businesses like food trucks, home service providers, and market vendors, enabling credit and debit card transactions via mobile devices.
E-Commerce Payment Processing
Pineapple Payments caters to the increasing demand for online shopping with a secure e-commerce payment gateway. This service allows businesses to handle online transactions safely and efficiently, meeting the needs of consumers who prefer online shopping.
Virtual Terminal Service
The virtual terminal service from Pineapple Payments enables businesses to process credit card transactions remotely. This feature allows for the manual entry of card details into a secure web-based system, making it ideal for phone or mail-order businesses.
Integrated Software Solutions
Pineapple Payments offers integrated software solutions to help businesses manage and streamline their operations. These tools support payment processing and functions like inventory management, customer relationship management (CRM), and data analysis, enhancing overall business efficiency.
Pineapple Payments Customer Reviews
Here's What Their Clients Say
| Total Online Complaints | <10 |
|---|---|
| Live Customer Support | Yes |
| Most Common Complaint | N/A |
| Recent Lawsuits |
Pineapple Payments Customer Reviews
As of our latest research, there appear to be no Pineapple Payments reviews characterizing the company as fraudulent or untrustworthy. While this indicates a positive perception, we encourage customers who have interacted with Pineapple Payments to share their experiences and leave a review in the comments below, contributing to a comprehensive understanding of the company’s services.
Legal Inquiries into Pineapple Payments
There are currently no recorded class-action lawsuits or FTC complaints against Pineapple Payments. For those who may have unresolved issues with Pineapple Payments but prefer a non-confrontational resolution, reporting to relevant authorities can be an effective course of action.
Pineapple Payments Support Accessibility
Unlike some competitors, Pineapple Payments does not offer a dedicated email address or direct phone line specifically for customer service inquiries. Support for resellers exists, but this is not directly beneficial to end customers seeking assistance. The company does provide general phone support and a chat option for client assistance, but it is important to note that these are not available 24/7, with availability limited to standard business hours. This limited accessibility indicates room for improvement in customer support compared to leading merchant account providers.
Contact Information for Pineapple Payments Support
- (412) 235-7235 – General Support
While Pineapple Payments maintains a commendable complaint record, their current customer service offerings, particularly the absence of round-the-clock support, lag behind the benchmarks set by other major merchant account providers known for excellent customer service.
Pineapple Payments Online Ratings
Here's How They Rate Online
| BBB Reports | 5 |
|---|
A New Profile
Pineapple Payments recently received a profile with the BBB. According to the Better Business Bureau, Pineapple Payments has received 5 complaints in the past 36 months and currently holds an “A+” rating. Pineapple Payments has successfully resolved 4 of these complaints to the satisfaction of the merchant, while the remaining 1 was either resolved to the dissatisfaction of the merchant or received no final reply.
What Merchants Say
GoDaddy has also received 0 reviews in the past 36 months.
An “A” Performance
We agree with the Better Business Bureau’s rating of an “A” at this time.
Pineapple Payments Fees, Rates & Costs
A Closer Look at The Contract
| Cancellation Penalties | Yes |
|---|---|
| Monthly & Annual Fees | Yes |
| Processing Rates | Interchange-Plus |
| Equipment Leasing | Yes |
Pineapple Payments Pricing
Pineapple Payments has not publicly disclosed its rates, fees, merchant agreement, or contract terms. Customer feedback indicates the availability of interchange-plus and flat-rate pricing options. Through partnerships with Worldpay, TSYS, and First Data for backend processing, Pineapple Payments likely inherits and passes on the fees characteristic of these providers, in addition to Pineapple’s own transaction fees.
Typically, contracts with Worldpay, TSYS, and First Data span three years with one-year automatic renewal clauses, including PCI compliance and early termination fees that may reach up to $25 monthly and $495, respectively. Additionally, contracts may feature non-cancellable equipment leases through First Data Global Leasing.
Virtual Terminal and Payment Gateway Pricing
Pineapple Payments also promotes its virtual terminal and payment gateway services, with specific pricing dependent on the backend processor’s contract a client selects. Expect additional costs such as gateway fees, technical support fees, batch fees, and other transaction-related charges for these e-commerce solutions.
Transparent Rates with the Possibility of High Fees
The provision of interchange-plus pricing by Pineapple Payments offers merchants clear and competitive rates, but this advantage may be counterbalanced by potentially significant fees associated with its backend processors. For alternatives that might offer more favorable terms, business owners are recommended to explore our curated list of the top merchant account providers.
Pineapple Payments Employee Reviews & Sales Tacitcs
Should You Work For Them?
| Uses Independent Resellers | Yes |
|---|---|
| Telemarketing | Unclear |
| Misleading Marketing | No |
| Discloses All Important Terms | No |
A Company Hiring Independent Resellers
According to the company’s website, Pineapple Payments hires independent resellers. The company has separate programs for agents, ISOs, and ISVs. Each program offers comprehensive training and support that maintains the integrity of these independent resellers. Unsurprisingly, there are no available Pineapple Payments reviews indicating that they engage in deceptive sales practices.
This compares favorably to our list of best credit card processors.
No Deceptive Advertising
To its credit, Pineapple Payments does not appear to engage in any deceptive advertising strategies in its official materials. However, a pricing schedule or copy of its standard contract is not readily available. Given its comprehensive effort to ensure quality partnerships with its independent resellers, we award the company a grade of an “A.” If you suspect that Pineapple Payments is charging you undisclosed fees, we recommend seeking an independent statement audit to find and eliminate hidden charges.
Our Pineapple Payments Review Summary
Our Final Thoughts
Given its leadership team’s extensive experience in the credit card processing industry, Pineapple Payments stands out as a provider capable of offering comprehensive solutions for both in-store and online merchant accounts. The company leverages its expertise to deliver a wide array of services tailored to meet the diverse needs of businesses, from small enterprises to large corporations. Pineapple Payments’ commitment to transparency is evident in its interchange-plus pricing model, which provides merchants with a clear and predictable fee structure. This pricing strategy is particularly beneficial for businesses seeking to optimize their payment processing costs.
Pineapple Payments is backed by processors who are recognized as industry stalwarts, enhancing its reliability and service quality. This strong backing ensures that Pineapple Payments can deliver robust and secure payment processing solutions, further establishing its credibility and trustworthiness in the market. The company’s ability to cater to businesses of all sizes, coupled with its transparent pricing and solid industry support, makes Pineapple Payments a compelling option for merchants looking for a dependable and comprehensive credit card processing partner.
Location & Ownership
Pineapple Payments is headquartered at 11 Stanwix Street, Suite 1202, Pittsburgh, PA. The company is a registered ISO of Wells Fargo Bank, N.A., Concord, CA and Deutsche Bank Trust Company Americas, New York, NY. Brian Shanahan, formerly the CEO of CardConnect, is now the CEO of Pineapple Payments and Jon Halpern is a co-founder.
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Barbara villeneuve
Tried to cancel 1.99 charge look something up had a short time to cancel could not find the site to cancel
LBS
SHADY SHADY SHADY. No one can explain charges in our operating account. Strange withdrawals without explanation. Crazy experience. Highly do NOT recommend.
Fayzillo Akhmedov
I do not recommend this company. They have been overcharging me and putting charges that they can’t explain properly. Some of their explanations contradict each other. After getting tired of dealing with them and getting nowhere, I disputed the charges through my bank. Shady business.