Indigo Payments Review

Rates and Fees
85/100
Truth in Advertising
95/100
Consumer Reviews
90/100
Customer Support
95/100
4

Best for

Indigo Payments is best for small to mid-sized businesses serving the restaurant and hospitality, mobile, and e-commerce industries.

Specializes in

Indigo Payments (Indigo) is a reseller of First Data and Chase Merchant Services merchant account services to the restaurant and hospitality, mobile, and e-commerce businesses using an interchange-plus pricing plan. The company also offers easy-to-integrate payment gateways incorporating shopping carts, virtual terminals, and API for e-commerce businesses through partners including Authorize.net, BridgePay, ePN, First Data Global Gateway, Payeezy, and USAePay, among others. Indigo partners with Clover, First Data Global Leasing, Ingenico, Ordyx, Verifone, and PAX to offer mobile and traditional POS equipment.

Pricing Summary

Setup Fee: $0

Monthly Fee: Undisclosed

Swipe Rate: 1.00 - 4.99%

Keyed-in Rate: 1.00 - 4.99%

Early Termination Fee : None

Contract Terms:

3 Years
Visit Indigo Payments

Indigo uses Wells Fargo Bank, N.A., of Concord, California, as its acquiring bank.

The company was founded in 2007 by Linda Kelley and Erik Hendricks. Indigo headquarters are in Atlanta, Georgia.

Indigo Payments Overview

 

Linda Kelley and Erik Hendricks together founded Indigo in 2007. The current headquarters of the company is in Atlanta, Georgia. Indigo is a reseller of merchant account solutions for low-risk businesses for Chase Merchant Services and First Data. The company has also partnered with Clover, First Data Global Leasing, Ingenico, Ordyx, Verifone, and PAX for POS equipment.

Indigo offers its services mainly for the restaurant and hospitality industry, along with mobile and e-commerce businesses. The company provides interchange-plus pricing and promises never to raise your rates, nor charge any up-front startup or early termination fees.

Indigo was accredited with the Better Business Bureau (BBB) in 2007 and has been given an A+ rating. There were no complaints filed against Indigo in the last 36 months.

Quick Facts

Head Quarters

Atlanta, GA

Year Founded

2007

CEO

Linda Kelley and Erik Hendricks - Co-Founders

Employees

50

Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Moving Companies
  • Personal Service
  • Property Management
  • Restaurant / Bar
  • SAAS
  • SEO & SEM Services
  • Thrift Store

Business Types Served

  • Ecommerce
  • High Volume
  • Low Risk
  • Mobile
  • MOTO
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

Indigo Payments Products & Services

 

Payment Processing: The company's solutions let merchants accept EMV-enabled cards and contactless payments via ApplePay. Indigo resells merchant account services for Chase Merchant Services and First Data.

Point of Sale: Indigo resells EMV-compliant traditional and mobile POS equipment of Clover, First Data Global Leasing, Ingenico, Ordyx, Verifone, and PAX.

Tertiary: An all-in-one Gateways solution combining web shopping carts, virtual terminals, and PCI encryption compliance.

Indigo Payments Payment Processing

  • Contactless NFC
  • Credit Card Processing
  • Debit Card Processing
  • EMV Processing
  • Gift & Loyalty Program
  • Merchant Cash Advance
  • POS Equipment
  • Virtual Terminal

Indigo Payments Billing & Invoicing

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

Indigo Payments Advertising & Sales

 
There have been no complaints about Indigo sales tactics. The company hires inside sales teams only, which are generally better trained, have more internal controls, less aggressive in sales tactics as goals are better aligned. Internal sales teams are often more transparent because they are more conscious of reputational risks to the company.

Truth in Marketing

Discloses All Important Terms

No

Public Pricing Available

No

Indigo Payments Pricing, Rates & Fees

 

Indigo resells payment processing services of First Data and Chase Merchant Services. Below are the details we found about pricing;

Swiped rate: 1.00 - 4.99%

Keyed rate: 1.00 - 4.99%

Monthly PCI Compliance Fee: $3.95

Annual Fee: None

Early Termination Fee: None

Monthly Minimum: None

Since Indigo specializes in catering to niche industries such as mobile and e-commerce, merchants are likely to incur fees for batch fees, gateway and virtual terminal costs, and technical support charges. The company does not make any disclosures of these fees.

Pricing at a Glance

Pricing Model

Interchange Plus

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

Undisclosed

Payment Gateway Fee

Undisclosed

Batch Fee

Undisclosed

Early Termination Fee

None

PCI Compliance Fee

$3.95 Per Month

Equipment Lease Terms

24 - 48 Month (locked)

Address Verification Service (AVS)

Application Fee

Account Setup Fee

$0

Gateway Setup Fee

$0

Annual Fee

Monthly Minimum

Undisclosed

Statement Fee

Indigo Payments Contract & Terms

Indigo is very transparent regarding contract terms. The company offers interchange-plus pricing and promises never to raise your rates, nor charge any up-front startup or early termination fees. Indigo resells merchant accounts services of First Data and Chase Merchant Services.

Although it does not lease equipment, it does partner with various POS equipment vendors that offer non-cancelable equipment leases for durations ranging from 24-48 months.

Indigo also offers an interest-free four-month payment option without any additional fees to purchase POS equipment. We are firm believers in the outright purchase of any equipment merchants need as the lease is a much more expensive prospect.

Contract Length

3 Years

Early Termination Fee

None

Indigo Payments Setup & Support

 

Setup Highlights

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

Support Highlights

  • Domestic Phone Support (Business Hours)

Indigo Payments Complaints, Ratings & Reviews

Indigo was accredited with the Better Business Bureau (BBB) since 2007 and currently has an A+ rating. There are no complaints against the company in the past thirty-six months. The company has a clean record in terms of complaints on both BBB and numerous other online forums.

There are no class-action lawsuits filed against Indigo. There are also no FTC complaints against the company.

 

Ratings

BBB

A+(0 complaints)

Google

N/A

Facebook

No Reviews yet

Yelp

N/A

Reviews

Total Online Reviews

20+

Total Online Complaints

<10

Lawsuits

None

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