Best for
Merchants seeking payment processing services that own and operate standard-risk or high-risk businesses.
Specializes in
Diligent Payments specializes in interchange optimization and omnichannel payment capabilities for its standard and high-risk merchant customers. This company states that it focuses on providing the highest level of fraud protection and technological advances in payment processing.
Pricing Summary
Setup Fee: N/A
Monthly Fee: $10
Swipe Rate: N/A
Keyed-in Rate: N/A
Early Termination Fee : Unknown
Contract Terms:
Diligent Payments was founded in 2018, and is a merchant account provider that offers services to standard and high-risk businesses.
This company was started by a sales representative who once worked at Payline Data.
Diligent Payment is located in St. Louis, Missouri, and the company’s CEO is Steve Woodland.
Diligent Payment is a merchant account provider and a registered ISA of CardConnect, a First Data Company, and Total System Services, Inc. This company was founded in 2018 by a former sales representative for Payline Data, is headquartered in St. Louis, Missouri, and its CEO is Steve Woodland.
This company offers industry-leading products and technology to its merchant customers. According to its About Us page, its focus is on interchange optimization, mobile processing, always-improving features and omnichannel payment processing.
Diligent Payments is a reseller of Clover and Poynt POS systems and the company offers its own payment gateway for ecommerce merchants. The company website states that personalization and transparency are what make Diligent Payments among the best options for merchant accounts and payment processing services.
Head Quarters
St. Louis, Missouri 63021 , US
Year Founded
2018
CEO
Steve Woodland
Employees
2-10
Merchant Provider Risk Tolerance
Payment Processor for standard to high risk businesses.
High level of fraud detection and technological advances in payment processing.
Own payment gateway for ecommerce merchants.
Multiple payment processing options for merchants.
Electronic invoicing is available for merchants with a virtual terminal.
Early termination fee unknown.
Pricing not available on the company website.
Unknown what types of contracts need to be signed for point of sale equipment and other systems.
Processing payments for new clients may take up to 14 days.
Must schedule appointments for consultation calls.
Hardware & Software
Diligent Payments offers several payment processing options for merchants, including:
Mobile Payments, which is an app that works with either an audio jack or a Bluetooth micro USB device.
Countertop terminals from Ingenico and Verifone
Poynt Smart terminals and POS systems
Vital Mobile POS systems
Vital Pro and Pro Plus
The entire Clover suite of products, including POS systems and mobile payment terminals
Self-service payment options, including vending machines, kiosks and micro markets
A virtual terminal
A payment gateway that is customizable or integratable with most shopping carts
MultiPASS, which integrates with existing POS systems
Online payment capabilities
Value Added Services
Diligent Payments’ proprietary gateway integrates with QuickBooks SyncPay, for handling all transactions.
Electronic Invoicing is also available for merchants choosing a virtual terminal.
Diligent Payments is an authorized reseller of MiDiGATOR, which is a chargeback and fraud technology platform that can assist with lowering a merchant’s risk level and recovering lost revenue.
Supported Payment Types & Services
Merchants that choose Diligent Payments as their payment processor will be able to accept the following forms of payment:
Payments made with any of the four major credit cards (EMV or swiped)
Debit card payments, including PIN payments
ACH payments
Check and electronic check payments
Payments made with mobile wallets, such as Google Pay and Apple Pay
MOTO payments
Subscription payments
EBT payments
Cash payments
Interac Flash (Canada)
Discloses All Important Terms
Yes
Public Pricing Available
Yes
Diligent Payments offers three different pricing plans for merchants and they are:
The Drive Plan - for swipe and retail merchants. It charges interchange + 0.25% + $0.10 per transaction. There is a fee of $10 per month.
The Direct Plan - for keyed-in and MOTO payments. It charges interchange + 0.35% +$0.15 per transaction. There is a fee of $10 per month, and a $10 payment gateway fee.
The Domain Plan - for ecommerce payments. It charges interchange + 0.45% + $0.20 per transaction. There is a $10 monthly fee and a $10 payment gateway fee.
Additional fees may also apply, such as batch fees and technical support fees, but they are not disclosed on the company website.
Pricing Model
Interchange Plus
Swiped Rate
N/A
Keyed-in Rate
N/A
Mobile Payment Rate
N/A
Virtual Terminal Rate
N/A
Monthly Fee
$10
Payment Gateway Fee
N/A
Batch Fee
Unknown
Early Termination Fee
Unknown
PCI Compliance Fee
N/A
Equipment Lease Terms
N/A
Address Verification Service (AVS)
Unknown
Application Fee
N/A
Account Setup Fee
N/A
Gateway Setup Fee
N/A
Annual Fee
N/A
Monthly Minimum
$10
Statement Fee
N/A
Diligent Payments does not require their merchant customers to enter into contracts to obtain their services. There are no early termination fees.
It is not clear if merchants will need to sign contracts for POS systems and other types of equipment. Those contracts may be separate, and they could be non-cancellable.
Contract Length
Unknown
Early Termination Fee
Unknown
The amount of time it might take for a merchant to get set up to process payments will vary. Standard-risk merchants may encounter a relatively quickly underwriting process and faster approval than high-risk merchants. However, Diligent Payments does state that the company offers faster approval for these merchants than other processors do because of the number of acquiring banks they work with.
Most merchants should be able to begin processing payments within 14 days.
Diligent Payments has a Contact page with an appointment scheduler for consultation calls. There is also a phone number and email address for merchants to use for any issues or concerns.
BBB Rating
Diligent Payments does not have a profile on the Better Business Bureau website.
Other Online Reviews
There are no negative public complaints posted online regarding Diligent Payments’ products and services. However, this company is still very young and only has a handful of merchant customers, but the fact that it offers 24/7 customer support may be addressing any issues that arise from merchants. There are no outstanding FTC complaints or class-action lawsuits pending for this company.
BBB
N/A
N/A
No Reviews
Yelp
N/A
Total Online Reviews
Unknown
Total Online Complaints
Unknown
Lawsuits
0
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