CCBill offers payment processing services only to eCommerce businesses. The company currently has no offering for brick and mortar retail enterprises. The company specializes in high processing risk and international payments, and offers payment processing in multiple currencies.
|Keyed-in Rate||3.9% + $0.55|
|Early Termination Fee||None|
CCBill has over two decades of experience offering eCommerce platforms its merchant services. Although the company provides its services to non-profit organizations, it is known for specializing in high risk and international clients.
A more granular look at the company’s terms and conditions reveals that CCBill caters to a more “high-risk” classification of businesses dating sites, or adult-focused offerings and services. Most other companies, traditionally classified as high risks, such as tobacco, firearms, steroids, hazardous materials, prescription devices and drugs, financial services, are explicitly excluded. Nonetheless, CCBill processes over $1 billion of online transactions yearly through more than 30,000 merchants..
CCBill has numerous offices in various European cities and offers transactions in all major international currencies, such as the US Dollar, Euro, British Pound, Canadian Dollar, Australian Dollar, and the Japanese Yen. The company offers an easy setup process for its merchant account activation along with a free gateway.
CCBill also provides direct pricing information on its website, which is a rarity in the merchant payment processing space, particularly with sites that target adult-oriented businesses.
Overall, CCBill is transparent in its pricing, offers good support, and can be a great partner for businesses that are traditionally shunned by other payment processors.
CCBill Pros & Cons
Good for specific high-risk categories
Predictable flat-rate pricing
No early termination fee
Good for international merchants
Very high flat-rate pricing
Many complaints by customers (as opposed to merchants) over CCBill Pay service
Rolling reserve required
Upon cancellation, six months minimum hold on account payout
CCBill Products & Services
CCBill has various options to help a business grow, especially high-risk ones. Its primary service offered is merchant payment processing, which is available for merchants worldwide. CCBill’s services let merchant clients transact in multiple currencies and up to 14 languages.
CCBill also allows merchants to process ACH payments, DirectPayEU, as well as SEPA.
CCBill Advertising & Sales
CCBill does not exhibit any unethical sales practices and is quite transparent in its advertising. The company makes a concerted effort to outline its fees and policies clearly and concisely. Its website also has a blog and the CCBill Knowledgebase to educate merchants on best practices and pitfalls in the payment processing industry.
CCBill offers visibility on its pricing for high-risk merchants, which is unique for high-risk payment processors. Most acquirers and back-end processors don’t readily commit to high-risk merchants forcing payment processors to shop around, and thereby allowing merchants to raising costs behind the scenes.
As we mentioned earlier, CCBill only serves eCommerce businesses. Therefore, the company doesn’t sell or lease POS terminals or other equipment.
CCBill markets itself through traditional advertising channels and telemarketing. The company doesn’t seem to be using outside sales agents, but rather an inside sales team.
Inside sales teams are generally preferred because those teams are likely better informed about company services and are more likely to serve potential clients in a more ethical and honest fashion.
Truth in Marketing
|Advertises Deceptive Rates||No|
|Discloses All Important Terms||No|
|Public Pricing Available||Yes|
CCBill Pricing, Rates & Fees
In reviewing the company’s pricing and fees, let’s keep in mind that CCBill caters mainly to high-risk businesses. Since it caters to a higher-risk industry, its prices are generally more than other merchant processors.
The inherent risks such as chargebacks, finding back-end processors, and fluctuations of back-end processor prices, of working with high-risk businesses generally drive the price up. usually cost more, gIn that context, the company’s payment processing seems fair.
Most merchant processors catering to high-risk businesses don’t readily offer the pricing upfront. CCBill is very transparent regarding its fees. Some published rates are;
Online businesses & Non-profit organizations: Starting at 3.9% + 55 cents per transaction
Dating sites: 5.9% + 55 cents per transaction
High-risk industries: 10.8% – 14.5% per transaction
Other Fees that may apply;
High-Risk annual registration cost for dating sites: $500
High-Risk annual registration cost for other high-risk sites: $1,000
For specific plans, a 3% surcharge applies if the transaction amount is less than $10.
Pricing At A Glance
|Pricing Model||Flat Rate|
|Keyed-in Rate||3.9% + $0.55|
|Mobile Payment Rate|
|Virtual Terminal Rate||3.90% + $0.55|
|Payment Gateway Fee||Undisclosed|
|Early Termination Fee||None|
|PCI Compliance Fee||Undisclosed|
|Equipment Lease Terms||Undisclosed|
|Address Verification Service (AVS)|
|Account Setup Fee||$0.00|
|Gateway Setup Fee|
|Annual Fee||$500 - dating sites and $1,000 - other high risk business types|
CCBill Contract & Terms
CCBill’s Terms and Conditions (T&C) and Merchant Acceptable Use Policy (AUP) on its site highlight how CCBill operates, and what the company expects its merchant clients to abide by.
CCBill’s T&C outline that CCBill or the merchant client can terminate their agreement whenever either party wishes to do so, as long as a 10-day notice is provided in writing. CCBill strictly enforces the written notice aspect for termination. There was no mention of any termination fee in the company’s policies.
One clause of the contract states that if the merchant terminates the agreement, then that merchant cannot use the service providers and acquirers that CCBill used to process payments for that merchant for the next 12 months.
CCBill has the policy to hold merchants’ reserve funds and any other funds it has access to for six months to apportion for potential chargebacks.
CCBill Setup & Support
CCBill has an intuitive and easy setup process mainly because it don’t have multiple add-on charges for PCI compliance, gateway, etc.
CCBill has excellent customer support, which is a breath of fresh air for a payment processing industry that is often polluted with complexity, tricky regulation, deceptive marketing.
The firm offers extensive customer service availability. CCBill offers 24/7 customer support 365 days a year. Merchants can reach out to their support via phone, email, and chat.
The customer focus extends to educating clients on many pertinent topics. CCBill’s website has great educational resources such as CCBill Knowledgebase. The company’s blog details the specifics of the merchant payment processing industry, as well as various general business topics such as how to master customer support or how to use customer feedback to pivot business strategy.
CCBill Complaints, Ratings & Reviews
CCBill has a good reputation among merchants it serves. The Better Business Bureau assigned CCBill an A+ rating since 2014. The company does have 15 complaints filed against it with the BBB over the last three years, two of which were filed in the past year.
Although the complaint record isn’t zero, one should consider it from the aspect of the overall size of the company. CCBill processes $1 billion in transactions worldwide.After a close review of the nature of complaints filed against CCBill. The majority of the complaints filed were not by merchant clients of CCBill but rather the customers of those merchants for which CCBill is a payment processor.
|BBB||A+ (16 Customer Complaints)|
|Total Online Reviews||200+|
|Total Online Complaints||150+|