Ignite Payments Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Medium and large businesses looking for a single integrated payment solution

Specializes in

Payment gateways, virtual terminals, API plugins, Clover POS systems, transaction management tools, mobile business management and payment processing.

Pricing Summary

Setup Fee: $0

Monthly Fee: Variable

Swipe Rate: Variable

Keyed-in Rate: Variable

Early Termination Fee : Variable

Contract Terms:

Visit Ignite Payments

Ignite Payments became a part of CardConnect in 2019. It currently operates under that name. Through CardConnect, Ignite Payments offers online payment processing, POS systems, and integrated payment processing management solutions.

Ignite Payments Overview


Ignite Payments was established in June 2013 as a wholly-owned subsidiary of First Data. However, First Data chose to dissolve the brand in 2019. What’s left of Ignite Payments now exists under the CardConnect brand.

CardConnect offers a variety of payment solutions with options that will appeal to merchants of all sizes. The company resells First Data payment gateways and virtual terminals. Merchants can also lease several types of Clover POS systems through CardConnect.

CardConnect is not forthcoming about its pricing or contracts. However, previous customers claim that the company favors long-term deals with hefty fees. CardConnect appears to charge a per-transaction rate of around 2.32% + 0.25% + $0.07.

The company currently has a B+ rating with the Better Business Bureau but it has received a moderate number of online complaints. Many of these complaints focus on CardConnect’s poor customer service.

Quick Facts

Head Quarters

Simi Valley, California

Year Founded



Scott Corlew - Partner



Merchant Provider Risk Tolerance

What We Like

No setup fee.

For medium and large businesses looking for a single payment solution.

Good for merchants looking to process online payments.

Can accept in person payments.

Detailed transaction reporting is available.

What We Don't Like

Variable monthly fee.

Variable early termination fee.

Variable contract terms.

Employs independent sales agents.

Rates are not advertised online.

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Gas Station
  • Healthcare
  • Marketing Agency
  • Moving Companies
  • Personal Service
  • Property Management
  • Restaurant / Bar
  • SAAS
  • Thrift Store

Business Types Served

  • B2B
  • Ecommerce
  • Enterprise Merchant Accounts
  • Mobile
  • Mom & Pop
  • MOTO
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

Ignite Payments Products & Services


eCommerce Payment Gateways and Plugins

The CardPointe Gateway is a good choice for merchants looking for a way to process online payments. It was built from the ground up with the needs of eCommerce companies in mind.

With the CardPointe Gateway, you’ll be able to accept a wide variety of payment types, both online and in person. It also features omnichannel processing, easy-to-use API integrations, and detailed transaction reporting.

Clover POS Systems

CardConnect also offers Clover POS systems. These offer a lot of functionality and they’re perfect for the needs of small retail stores. The company offers a few different Clover products to choose from, including the Clover Station, Mini, Flex, and Go. Each of these can be customized with various apps and integrations to give you a ton of flexibility over how you manage your operations.

CardPointe Integrated Business Management Platform

CardConnect’s CardPointe platform was built to be a single payment processing solution for medium and large businesses. It should be the only processing tool that you need to manage both your in-person and online sales.

Here’s what you’ll get from the Cardpointe platform:

  • Transaction management tools

  • Countertop terminal

  • Virtual terminal

  • Mobile business management and payment processing app

  • Hosted payment page

  • Integrations and add-ons

Ignite Payments Payment Processing

  • Check Services
  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • eCheck & ACH Processing
  • EMV Processing
  • Gift & Loyalty Program
  • Merchant Cash Advance
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • POS Equipment
  • Recurring Billing
  • Virtual Terminal

Ignite Payments Billing & Invoicing

  • Mobile Payments
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

Ignite Payments Advertising & Sales

CardConnect’s advertising practices appear to be solid. The company doesn’t advertise deceptive rates on its website and we weren’t able to find any examples of it being deceptive in other ways.

That being said, CardConnect does hire independent sales agents and has received a moderate number of complaints about its sales practices. However, this is not uncommon in the payment processing industry and the company appears to be more forthright about its offerings than many of its competitors. 

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Ignite Payments Pricing, Rates & Fees


Unfortunately, it’s difficult to say exactly what CardConnect charges for its services. The company doesn’t advertise its rates online. However, we were able to get a general sense of the price range that merchants can expect from online reviews.

According to merchant reviews, CardConnect has a swiped transaction rate of 2.32% + 0.25% + $0.07. The company’s keyed-in rate is roughly the same. However, these numbers should be taken with a grain of salt as they aren’t sourced from the company itself.

Pricing at a Glance

Pricing Model

Tiered Pricing

Swiped Rate


Keyed-in Rate


Mobile Payment Rate

Virtual Terminal Rate


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

Ignite Payments Contract & Terms

The contracts that CardConnect offers vary from one merchant to another. We’ve seen reports of contracts that last up to five years. Many of these long-term contracts have PCI compliance fees of $8.25, early termination fees of up to $750, and annual fees of up to $288.

Contract Length


Early Termination Fee


Ignite Payments Setup & Support


Setup Highlights

  • Documentation / Knowledge Base
  • Live Online (1-on-1)

Support Highlights

  • Domestic Phone Support (Business Hours)

Ignite Payments Complaints, Ratings & Reviews

CardConnect currently has a B+ rating with the Better Business Bureau. However, the company has received a moderate number of complaints online. Most of these complaints focus on the theme of poor customer service.



B+ and is not BBB Accredited. (285 Reviews; 721 Complaints)


4 Stars / 568 Reviews


No Recommendations Yet


1 Star / 7 Reviews


Total Online Reviews


Total Online Complaints




Ignite Payments Alternatives


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