Best for
Merchants in need of merchant accounts and payment processing services in the retail/ecommerce, healthcare, hospitality, specialty retail, nonprofit, and B2B spaces.
Specializes in
Change Merchant Solutions (FortisPay) specializes in providing its merchant customers with its proprietary payment gateway, Zeamster, and its Platform-to-Platform model.
Pricing Summary
Setup Fee: $0
Monthly Fee: Unknown
Swipe Rate: Unknown
Keyed-in Rate: Unknown
Early Termination Fee : Unknown
Contract Terms:
Change Merchant Solutions is a merchant account provider that was founded in 2006.
The company was acquired by Fortis Payment Systems, LLC (FortisPay) in 2021.
Change Merchant Solutions is located in Westlake, California.
Change Merchant Solutions is a company that was acquired by Fortis Payment Systems, LLC (FortisPay) in 2021. The company was originally founded in 2006 as a merchant account provider and payment processor. It is located in Westlake, California, although since the acquisition, it is not clear if the company has changed locations. The company’s website does not indicate a new address, or any address at all.
The president of Change Merchant Solutions is listed as Jeff Cole. The company is a reseller of Paysafe, PowerPay, and Cayan. It is a registered ISO/MSP of Woodforest National Bank, The Woodlands, TX. Prior to its acquisition by FortisPay, Change Merchant Solutions was the exclusive processing partner of Dun & Bradstreet and WineDirect.
FortisPay aims to provide a Platform-to-Platform model that creates personalized experiences based on merchants’ software industry-specific needs.
FortisPay is also an Elavon Payments Partner and registered ISO/MSP of Elavon, Inc., Georgia (a wholly owned subsidiary of US Bancorp, Minneapolis, MN), a registered ISO of Compass Bank, an Alabama State Chartered Bank, a registered ISO/MSP of Citizens Bank, N.A., Providence, RI, a registered ISO of Fifth Third Bank, N.A., Cincinnati, OH, and a registered ISO of Wells Fargo Bank, N.A., Concord, CA.
Head Quarters
2575 Northlake Cir Westlake Vlg, CA 91361
Year Founded
2006
CEO
Unknown
Employees
Unknown
Merchant Provider Risk Tolerance
No setup fees.
Personalized merchant accounts to meet their needs.
Provides payment processing services and accounts to those in retail, hospitality, healthcare, non profit businesses among others.
Offers clients additional services as needed.
Multiple payment options available other than credit cards.
Has a low risk tolerance.
Early termination fee is unknown.
Must use companies' payment processing and hardware equipment.
Uses a partnership program to market products and services.
Not all fees for services are listed.
Hardware & Software
FortisPay does not appear to offer merchant customers any options for payment processing hardware/equipment. This company focuses on its proprietary payment gateway and Platform-to-Platform model. The FortisPay website mentions the following:
A real-time, rule-based underwriting API.
End-to-end payment modules.
Omnichannel commerce advantages.
Real-time, dynamic reporting.
Module enhancements.
Value-Added Services
FortisPay’s main focus is on its payment processing services and merchant accounts. However, this company does offer a few additional services for its merchant customers, including:
Chargeback management tools
Split payment capabilities
Customer profiles
Business scaling support
Supported Payment Types & Services
There is no information available on the FortisPay website regarding what types of payments merchant customers will be able to accept with this company’s payment gateway. It does make mention of omnichannel payment capabilities, which may include the following:
Payments made with all four major credit cards
Debit card payments
ACH payments
Check and electronic check payments
Mobile wallet payments (Apple Pay, Google Pay, Samsung Pay, etc.)
Discloses All Important Terms
No
Public Pricing Available
No
There is no information available on the FortisPay website regarding prices and fees.
When the company was known as Change Merchant Solutions, it offered interchange-plus pricing for swiped and keyed-in transactions. It required a monthly statement fee of $10 and merchants did not have to pay setup fees.
Pricing Model
Interchange Plus
Swiped Rate
Unknown
Keyed-in Rate
Unknown
Mobile Payment Rate
Unknown
Virtual Terminal Rate
Unknown
Monthly Fee
Unknown
Payment Gateway Fee
Unknown
Batch Fee
Unknown
Early Termination Fee
Unknown
PCI Compliance Fee
Unknown
Equipment Lease Terms
Unknown
Address Verification Service (AVS)
Unknown
Application Fee
Unknown
Account Setup Fee
$0
Gateway Setup Fee
Unknown
Annual Fee
Unknown
Monthly Minimum
Unknown
Statement Fee
Unknown
There is no information on the FortisPay website regarding contracts and terms. Under the name Change Merchant Solutions, the company did not charge early termination fees, which typically means that it works under month-to-month contracts with its merchant customers.
Contract Length
Unknown
Early Termination Fee
Unknown
FortisPay states that merchants choosing this company as their merchant account provider and payment processor may be able to get started with processing payments very quickly. It requires a few data inputs, and then merchant accounts are approved and boarded within just a few minutes.
The website has a contact form on every page, and its Support page has contact forms for both businesses and partners. There is also a phone number available for customer service.
This company appears to rely heavily upon the use of Guides, who work directly with merchants. It is likely that merchants have contact information for their individual Guides for personalized customer service.
BBB Rating
FortisPay does not have a profile with the Better Business Bureau, and no rating with the BBB.
Change Merchant Solutions is an accredited business with the BBB with a rating of A+ with no customer complaints in the last three years.
Other Online Reviews
There are no online reviews for either FortisPay or Change Merchant Solutions. This company does not have any outstanding FTC complaints or pending class-action lawsuits. There is no indication that its customers are dissatisfied with the services they receive.
BBB
A+ and has been Accredited since 2015. (0 Reviews; 0 Complaints)
N/A
N/A
Yelp
N/A
Total Online Reviews
Unknown
Total Online Complaints
Unknown
Lawsuits
Unknown
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