Connect Pay Merchant Services Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Connect Pay Merchant Services is best for small to mid-sized businesses and openly caters to low and high-risk businesses.

Specializes in

Connect Pay Merchant Services (Connect Pay) provides merchant accounts services to almost all types of businesses. The company focuses on high-risk industries such as CBD, vaping, e-cigarettes and tobacco sellers, online firearm and weapons retailers, health supplements providers, and adult-oriented businesses. The Connect Pay claims that its website offers "the lowest guaranteed rates for both low and high-risk businesses." The company processes payments for both established businesses and new startups without any payment processing history.

Pricing Summary

Setup Fee: $0

Monthly Fee: Variable

Swipe Rate: 1.00% - 4.99%+

Keyed-in Rate: 1.00% - 4.99%+

Early Termination Fee : Variable

Contract Terms:

Unknown 1 Year 3 Years
Visit Connect Pay Merchant Services

Connect Pay does not disclose if the company is an ISO/MSP of any partner bank and does not share details of its back-end processors.

With its founding in 2019, Connect Pay is young, with very little public information available of its business practices and merchant experience with payment processing. Connect Pay is headquartered in Santa Clarita, CA, and is led by Melvin Butter, the company's founder.

Connect Pay Merchant Services Overview


Connect Pay offers payment processing solutions for low and high-risk businesses, however, mainly for CBD and hemp manufacturers. Furthermore, the company guarantees to provide the lowest rates for all risk profiles. The company also caters to new businesses that have no payment processing history.

The company was founded in 2019 by Melvin Butters and is headquartered in Santa Clarity, CA.

There is a shortage of information about the company, whether for its pricing structure, bank or POS equipment partners, or merchant reviews. Connect Pay does not have a Better Business Bureau profile, and there have been no complaints or thoughts about the company's business practices on any online forums.

The lack of information may be because Connect Pay is a relatively new company. However, complaints are usually high among high-risk merchants about fund reserves, account cancelations, and chargebacks.

Quick Facts

Head Quarters

Santa Clarita, CA

Year Founded



Melvin Butters



Merchant Provider Risk Tolerance

What We Like

No setup fee.

Interchange plus tiered pricing.

Best for small and midsize businesses.

Accepts both low and high risk businesses.

New startups without any payment processing history welcomed.

What We Don't Like

Not all important terms are disclosed.

Public pricing is not available.

Point of sale equipment pricing and terms are unknown.

Monthly fee may be variable.

PCI compliance fee could be variable.

Industries Served

  • Adult
  • CBD & Hemp
  • Cigars & Tobacco
  • Clothing & Apparel
  • Convenience Store
  • E-Cigarettes / Vape
  • Electronics
  • Gaming
  • Gas Station
  • Guns & Firearms
  • Hunting & Outdoor Equipment
  • Marijuana / Cannabis
  • Moving Companies
  • Nutraceuticals & Supplement
  • Personal Service
  • Restaurant / Bar
  • SAAS
  • Self Defense, Tasers & Stun Guns
  • SEO & SEM Services
  • Smoking Accessories
  • Thrift Store
  • Web Design Services

Business Types Served

  • Ecommerce
  • High Risk
  • High Volume
  • Information
  • Low Risk
  • Mom & Pop
  • MOTO
  • Online
  • Retail / Card Present
  • Small Business
  • Subscription / Continuity
  • Wholesale

Connect Pay Merchant Services Products & Services


Payment Processing: Connect Pay offers payment processing services for low and high-risk businesses.

Point of Sale: The company resells EMV-compliant mobile and traditional POS equipment but does not disclose which vendors.

Tertiary Services: Connect Pay offers mobile payment processing and e-commerce Gateways solutions through, Inovio, NMI, and USAePay. Additional services include merchant lending by providing small business loans and cash advances.

Connect Pay also offers e-check processing and cashless ATMs for dispensaries.

Connect Pay Merchant Services Payment Processing

  • Credit Card Terminals
  • Debit Card Processing
  • eCheck & ACH Processing
  • High-Risk Industries
  • Mobile Card Reader
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • POS Equipment
  • Recurring Billing

Connect Pay Merchant Services Billing & Invoicing

  • Mobile Payments
  • Multi-Currency
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

Connect Pay Merchant Services Advertising & Sales

There have been no complaints about Connect Pay sales tactics or marketing practices. The company does not hire outside sales teams. Having internal sales teams have served the company best as such staff is more trained and usually less aggressive in their sales tactics.

Unfortunately, there is almost no public disclosure about the company's pricing. However, there have been no complaints that merchants were misled about pricing or surprise hidden charges. Such a lack of complaints is even more pronounced since Connect Pay looks to mainly catering to high-risk businesses, which often complain about payment processors charging excessive rates, require rolling reserves, and have strict chargeback policies.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Connect Pay Merchant Services Pricing, Rates & Fees


There have been no disclosures of Connect Pay's pricing structure. The company offers POS equipment as well as gateway and virtual terminal solutions. However, there is no disclosure of those offerings' pricing or terms.

Merchants are likely to incur charges for monthly minimum fees, PCI-related fees, gateway charges, batch fees, and technical support fees through Connect Pay. Merchants should also be vigilant to look out for contract language regarding early termination fees.

Pricing at a Glance

Pricing Model

Interchange PlusTiered Pricing

Swiped Rate

1.00% - 4.99%+

Keyed-in Rate

1.00% - 4.99%+

Mobile Payment Rate

Virtual Terminal Rate

1.00% - 4.99%+

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms


Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee


Annual Fee


Monthly Minimum


Statement Fee

Connect Pay Merchant Services Contract & Terms

Connect Pay has made no disclosures of its payment processing contract terms, such as the contract period's length if there are any early termination fees, whether it includes an auto-renewal clause or the renewal period's duration. Merchants also need to be vigilant in checking whether there is any non-cancelable long-term equipment lease agreement language in its contract with Connect Pay for payment processing, POS equipment agreements, or for any of its tertiary services.

There is minimal information about Connect Pay, given that the company was founded only in 2019. However, with this lack of disclosures and available reviews, merchants should be even more careful about reviewing the terms and conditions offered.

Contract Length

Unknown1 Year3 Years

Early Termination Fee


Connect Pay Merchant Services Setup & Support


Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)

Connect Pay Merchant Services Complaints, Ratings & Reviews

We were not able to find any complaints against Connect Pay on various online platforms. There are also no FTC complaints against Connect Pay or any lawsuits filed against the company. The company also does not have a profile on the Better Business Bureau's website.











Total Online Reviews


Total Online Complaints




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