Constellation Payments Review

Rates and Fees
90/100
Truth in Advertising
90/100
Consumer Reviews
95/100
Customer Support
95/100
5

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:

Unknown
Visit Constellation Payments

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 Overview

 

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.

Quick Facts

Head Quarters

125 E. County Line Road, Suite 130, Warminster, Pennsylvania 18974, US

Year Founded

2012

CEO

Unknown

Employees

Unknown

Merchant Provider Risk Tolerance

Low Risk Businesses

What We Like

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.

What We Don't Like

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.

Industries Served

  • Online Sellers

Business Types Served

  • Mobile
  • Online

Constellation Payments Products & Services

 

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

Constellation Payments Payment Processing

  • Cash Transactions
  • Credit Card Processing
  • Debit Card Processing
  • EMV Processing
  • Mobile Commerce
  • Online Payments
  • Payment Gateway

Constellation Payments Billing & Invoicing

  • Mobile Payments
  • Online Invoicing
  • Online Payments

Constellation Payments Advertising & Sales

 
It appears that Constellation Payments markets its products and services through an inside sales team. It is not clear if the company also utilizes independent agents.

The company does not seem to have a program for partners or referrals for the purpose of obtaining new business. It also does not have an affiliate program that is advertised on its website.

The Constellation Payments website mentions that it has trained representatives and it also has a Careers page that has information about inside sales positions with the company. There is no misleading language on the site regarding prices, fees, or guarantees.

Truth in Marketing

Discloses All Important Terms

No

Public Pricing Available

Yes

Constellation Payments Pricing, Rates & Fees

 

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 at a Glance

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

Constellation Payments Contract & Terms

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

Constellation Payments Setup & Support

 

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.

Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)
  • Email Support

Constellation Payments Complaints, Ratings & Reviews

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.



Ratings

BBB

N/A

Google

N/A

Facebook

1 out of 5 Based on the opinion of 2 people

Yelp

N/A

Reviews

Total Online Reviews

Unknown

Total Online Complaints

Unknown

Lawsuits

Unknown

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