USAePay Reviews & Complaints

Name: USAePay
Item: USAePay
Rating: 5
Author: Phillip Parker

By Phillip Parker

Updated: June 24, 2024

Maintained Since: September 29, 2015

▼ 4 User Reviews

Overall Score

How did they treat you?

Overview

This article provides a thorough examination of USAePay, a credit card processing service. We will discuss the range of services offered, pricing structures, and the overall reliability of the platform. Our analysis will include a review of customer experiences and support options, as well as a comparison with other credit card processors in the industry. By the end of this article, you will have a clear understanding of what USAePay offers and whether it aligns with your business requirements.

About USAePay Overview

Also known as USAePay, USAePay is a credit card processing company headquartered in Los Angeles, California. Established in 1998, the company provides payment gateway solutions for merchants of all sizes. USAePay offers a wide range of services, including mobile payments, point-of-sale systems, and e-commerce integrations. Over the years, the company has formed partnerships with various hardware and software providers to enhance its service offerings. Notable integrations include those with QuickBooks, WooCommerce, and Shopify, enabling seamless transaction processing for online and brick-and-mortar businesses. In 2019, USAePay introduced EMV and NFC capabilities to its payment gateway, ensuring compliance with the latest security standards. The company continues to innovate, focusing on enhancing security features and providing comprehensive support to its users. Recent developments include advanced fraud prevention tools and expanded support for alternative payment methods.

USAePay Products and Services

Payment Gateway

USAePay functions similarly to Authorize.Net, compatible with all major credit card processors. Unlike Authorize.Net, USAePay does not offer its own merchant account pricing, so most users sign up for the payment gateway service through a reseller. In addition to the payment gateway, USAePay provides POS integration services, EMV integration, and e-commerce solutions, including shopping carts, vertical markets, merchant consoles, MOTO, and mobile processing.

Mobile Payment Solutions

USAePay offers a mobile payment application that enables secure and fast transactions from smartphones and tablets, allowing merchants to accept payments on the go at locations such as trade shows or off-site events.

Point of Sale Integration

USAePay provides comprehensive Point of Sale (POS) integrations for businesses operating both online and in physical locations. This ensures a seamless transaction experience across various sales channels.

Developer-Friendly API and SDK

USAePay features a developer-friendly API and SDK, facilitating customization and easy integration with various eCommerce platforms and shopping carts. This flexibility allows businesses to tailor the payment gateway to their specific requirements.

Fraud Prevention Tools

Security is a key focus for USAePay, which offers a range of fraud prevention tools. These include tokenization and address verification services to help merchants reduce the risk of fraudulent transactions.

Virtual Terminal for Manual Entry

USAePay provides a virtual terminal for merchants who need to manually enter transaction information. This online interface ensures secure and straightforward manual payment processing.

Batch Processing and Reporting

USAePay supports batch processing, enabling merchants to submit multiple transactions in one batch for authorization and settlement. The platform also offers extensive reporting tools to help track and analyze sales data.

E-commerce Shopping Cart Support

USAePay integrates seamlessly with various eCommerce shopping cart solutions, allowing merchants to provide a smooth and secure checkout experience for online shoppers.

USAePay payment gateway — **USAePay is a major payment gateway provider**

USAePay Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints	20+
Live Customer Support	Yes
Most Common Complaint	N/A
Recent Lawsuits	No

Positive User Feedback

While there are just over 20 negative USAePay reviews online, none of them label the company as a scam or ripoff. Most complaints center around software malfunctions such as delayed payments, multiple charges, or account issues, as well as occasional reports of unsatisfactory customer service. However, these complaints are balanced by numerous positive reviews praising the system’s simplicity and the helpfulness of USAePay’s customer support team. It appears that while USAePay doesn’t have widespread issues with its software or support, individual merchant experiences may vary. Despite being in business for over two decades, the overall complaint volume remains low. Share your own USAePay review in the comments below.

Legal Matters and Complaints

As of now, there are no outstanding class-action lawsuits or FTC complaints filed against USAePay. For dissatisfied clients seeking alternatives to legal action, reporting concerns to relevant supervisory organizations is recommended.

Efficient Customer Support

USAePay provides live phone support and email assistance, both of which seem to efficiently address user issues.

USAePay Customer Service Contact Numbers

(866) 872-3729 – Toll-Free General Customer Service
(866) 872-3729 ext. 707 – Partner Support
(866) 872-3729 ext. 706 – Integration Support

Other Support Options

Customer support via email at [email protected]

These customer support channels align with industry standards for high-quality payment processing customer service.

USAePay Online Ratings

Here's How They Rate Online

No Dedicated Profile

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

USAePay Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties	No
Monthly & Annual Fees	Yes
Processing Rates	N/A
Equipment Leasing	N/A

Flexible Pricing Structure

The pricing offered by USAePay resellers can vary significantly, as they have the freedom to adjust their pricing according to their business model. Typically, these providers charge a monthly payment gateway fee, alongside a possible per-transaction fee. Notably, USAePay does not impose long-term contracts or early termination fees, and it does not handle underwriting or billing responsibilities. Consequently, any concerns regarding USAePay’s pricing are specific to the individual reseller. It’s essential to note that while USAePay offers gateway services, the associated third-party merchant account may enforce additional fees.

Favorable Track Record

There have been no reported issues directly attributed to USAePay’s pricing or terms of use, leading us to assign the company an “A” rating in this regard. For businesses seeking to minimize costs, pairing USAePay’s payment gateway with a cost-effective payment processor is advisable. This approach helps ensure overall affordability and efficiency.

USAePay Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers	Yes
Telemarketing	Possible
Misleading Marketing	No
Discloses All Important Terms	No

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 businesses 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 clients 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 clients can have. Since USAePay itself does not appear to maintain an outbound sales team that markets directly to businesses, 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 reviews related to misconduct by the company’s sales team.

Our USAePay Review Summary

Our Final Thoughts

USAePay is considered a reliable credit card processing payment gateway provider. Its payment gateway software offers broad integration options and a versatile feature set, making it a useful tool for a variety of business types. However, the pricing and contract terms for USAePay can differ significantly depending on the reseller. To ensure the best value and service, businesses interested in USAePay should carefully evaluate the offerings of various resellers and pair the gateway with a highly rated merchant services provider. Doing so will help optimize their payment processing setup and ensure a smooth and secure transaction experience for their customers.

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.

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About The Author

Phillip Parker

In the late 2000s, as a broke college student struggling to make ends meet, I was contacted by a merchant services company after uploading my resume to a job listings website. This company promised substantial commissions and ongoing residual income for simply persuading businesses to accept credit card payments. It seemed straightforward enough—after all, what business doesn’t need to process credit card payments? Following a phone interview with a persuasive “sales director,” I found myself embarking on what I believed would be an easy job that would significantly boost my bank account with reliable monthly income and large sales commissions. However, the lessons I learned would profoundly change my life in ways I could never have imagined.

After completing my sales training, I hit the ground running, eager to make sales. This broke college student was determined to improve his financial situation! My first attempt at a cold call, with no prior appointment, ended with a burly man in his 50s yelling at me to leave, claiming he had been “totally robbed” by someone like me before. As I hastily exited, puzzled and intimidated by his reaction, I couldn’t help but wonder what he meant. Throughout the day, I encountered similar hostility from other business owners, all expressing disdain for the industry I had been so excited to join that morning. Confused and curious, I decided to shift my approach from selling to listening.

I quickly uncovered that the merchant services sector was riddled with unethical practices, including hidden fees, deceptive marketing, fine-print traps, and much more. It dawned on me that I had nearly been tricked by a dubious company into selling overpriced services under contracts with long-term commitments, all without being fully aware of what I was promoting. Outraged, I resigned from that company but learned that there were indeed ethical credit card processing companies that treated their clients fairly. Over the next four years, I worked for one such company, assisting hundreds of businesses in securing cost-effective processing solutions. Yet, I also met many more who had been misled and trapped in onerous service agreements. Determined to help people steer clear of these unscrupulous providers, I launched this website in my spare time, dedicating myself to researching and sharing my findings on every merchant account provider I could investigate.

Gradually, more and more business owners began to discover my articles. As word spread, search engines started to rank my content highly, amplifying its reach. My efforts were making a difference! Eventually, the website garnered enough traffic to enable me to leave my job and focus on it full-time, a journey that has now spanned over a decade. This path has not been without its challenges; unscrupulous company owners have tried to intimidate and sue me into silence on several occasions. Yet, I have stood firm against each threat. Here I am, continuing to publish reviews and articles, hoping to safeguard others from the pitfalls of the credit card processing industry.

If you believe in my mission and wish to contribute, please share my articles on your websites and social media. Thank you for visiting!

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Testimonials & Complaints

How Did USAePay Treat You?

4 User Reviews

Dr. Verpuhovsky

March 17, 2017

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.

Reply to Dr. Verpuhovsky Post Your Own
- CPO
  
  March 17, 2017
  
  Hi Dr. Verpuhovsky,
  
  Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!
  
  Reply to CPO Post Your Own
shane h.

February 7, 2017

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!

Reply to shane h. Post Your Own
annoymous

February 18, 2016

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.

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Are you with USAePay? Learn how to resolve this complaint.

Reply to annoymous Post Your Own

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