Best for
Merchants with businesses in the retail space, who need mobile processing capabilities, or who have standard-risk businesses who are in need of payment processing services.
Specializes in
Constellation Payments specializes in working with standard-risk businesses in the following industries: Fitness Martial arts Camps Government entities Spas and salons Hotels and resorts Beer, wine, and liquor retail Moving and storage
Pricing Summary
Setup Fee: Unknown
Monthly Fee: $10
Swipe Rate: 2.75%
Keyed-in Rate: Unknown
Early Termination Fee : Unknown
Contract Terms:
Constellation Payments has a parent company named Constellation Software, Inc., which is located in Toronto, Canada.
This company was founded to provide a simple payment solution for merchants all over the world.
Constellation Payments is headquartered in Pennsylvania, although the exact location is not available online.
Constellation Payments is a merchant account provider and payment processor that operates out of Pennsylvania. The company was founded in 2012, and its parent company is named Constellation Software, Inc.
This company currently processes more than $500 million in transactions every year and it serves 41 countries. It offers its own proprietary gateway to its merchant customers for online payment processing.
Constellation Payments boasts about its partnerships with various types of business management software, and it integrates with 123SignUp, Pike13, MembersFirst, SMS, and others.
Constellation Payments is a registered ISO/MSP of Elavon, Inc. in Georgia and of the Canadian branch of the U.S. Bank National Association and Elavon.
Head Quarters
125 E. County Line Road, Suite 130, Warminster, Pennsylvania 18974, US
Year Founded
2012
CEO
Unknown
Employees
Unknown
Merchant Provider Risk Tolerance
Works exclusively with standard risk merchants seeking to expand brick and mortar businesses into eCommerce.
More than $500 million in transactions annually.
Multiple POS systems and software options to suit the individual business.
Accepts all major payment types.
Utilizes in-house sales team to best suit each merchant.
Almost no information on pricing and fees.
No information on contracts or potential equipment leasing.
General setup takes 3-14 days.
No tech-support beyond phone and email.
No online presence to validate company claims.
Hardware & Software
Constellation Payments offers various types of hardware and software options for its merchant customers, based on their needs.
Merchants can choose POS systems and/or credit card processing terminals, or a virtual terminal, which is ideal for merchants seeking payment processing services without investing in equipment.
Constellation Payments offers its own proprietary gateway for payment processing.
Value Added Services
Constellation Payments offers a few additional services that its merchant customers enjoy. They include:
The Fanfare Customer Loyalty Program
Dynamic Currency Conversion
Recurring Billing for subscription payments
When signing up for an account with Constellation Payments, merchants have access to seamless software integration, the company’s PCI Compliance and Protection Program, competitive rates and pricing, and an interactive customer portal that includes statements for the last 13 months.
Supported Payment Types & Services
Merchants that choose Constellation Payments as their payment processor will be able to accept many different forms of payment, such as:
Payments made with any of the four major credit cards
Debit card payments
NFC transactions
Apple Pay
Google Pay
Softcard
Checks and electronic checks
Discloses All Important Terms
No
Public Pricing Available
Yes
There is very little information available about Constellation Payments’ pricing and fees online. One review states that contactless payments are charged $10 per month, and 2.75% + $0.09 per swiped transaction. Dynamic currency conversion is available with no activation fees, monthly fees, or minimums.
It is possible that most of the pricing and fees are variable, based on individual merchant customers’ risk level, business size, payment processing history, and other factors. This is relatively common.
Pricing Model
Flat Rate
Swiped Rate
2.75%
Keyed-in Rate
Unknown
Mobile Payment Rate
Unknown
Virtual Terminal Rate
unknown
Monthly Fee
$10
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
Unknown
Gateway Setup Fee
unknown
Annual Fee
unknown
Monthly Minimum
unknown
Statement Fee
unknown
There is no information available on the Constellation Payments website regarding contracts and terms. But the website also does not state that it has month-to-month contracts with its merchant customers. It is assumed that there is some type of contract in place with merchants.
Merchants may have two separate contracts with Constellation Payments; one for payment processing services, and one for only the equipment they lease, if any
Contract Length
Unknown
Early Termination Fee
Unknown
Merchants requesting a merchant account and payment processing services with Constellation Payments will fill out an online application. They will then be connected with a secure, two-way email service with encryption to submit any supporting documentation they may be required to submit.
Most merchants are approved, but the company will render a decision within 1-3 business days unless there is an issue with the underwriting process. Once approved, merchants needing a payment gateway will be given access to the API and steps to get integrated. Others may take up to 14 days to receive their POS systems and other hardware.
The Constellation Payments website has phone numbers and email addresses for sales and support. There is also a contact form that can be filled out.
BBB Rating
Constellation Payments does not have a profile with the Better Business Bureau, so there are no BBB rating, complaints, or reviews for this company.
Other Online Reviews
There are also no other reviews available for Constellation Payments online. The company does include several reviews from its merchant customers on its website, which are all positive in nature.
BBB
N/A
N/A
1 out of 5 Based on the opinion of 2 people
Yelp
N/A
Total Online Reviews
Unknown
Total Online Complaints
Unknown
Lawsuits
Unknown
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