Best for
Merchants seeking to integrate their front-end credit card processing through mobile or fully loaded terminals.
Specializes in
While NoblePay works with businesses of all sizes, they specialize in small business startups. They work from start to finish to provide a smooth transaction from the customer to the proprietor’s bank account.
Pricing Summary
Setup Fee: None
Monthly Fee: $25 - $90
Swipe Rate: 1.00% - 4.99%
Keyed-in Rate: 1.00% - 4.99%
Early Termination Fee : None
Contract Terms:
They are located in Framingham and Sudbury, MA.
The principal is listed as Christopher Swift and Jon Benson is the CEO.
The company was founded in 2008.
Founded in 2008, the company may have started as PowerPay America, however, this is not fully documented.
The company has focused its attention on small, medium to low-risk businesses and afford them a wide range of services to help build them for success.
They do not work directly as merchant account providers but work in partnership with a dozen industry-leading providers to help offer their clients a smooth business transaction.
NoblePay does not have any profile with the Better Business Bureau but has maintained a low number of complaints for the number of years they have been in business. Most of these complaints reflect the company’s sales tactics.
Head Quarters
Sudbury, Massachusetts
Year Founded
1995
CEO
Christopher Swift - President
Employees
10
Merchant Provider Risk Tolerance
Hardware and Software
NoblePay works as a distributor for Clover and Harbortouch, however, they do not offer any sort of list to give merchants a choice in their terminal needs. There is a reference in their literature to equipment coming fully loaded with the software to be up and running quickly.
iPhone and Android adaptive devices for mobile payments are also given their dropdown menu on the company website, but all attempts to learn more about the product and their OS interface directs the potential client to an in-person call with Chris.
Virtual terminals are available for mobile businesses and it appears NoblePay offers software to integrate with a merchant’s existing website. There is not much information on the company website to expand on this.
Value-Added Services
They do offer several services beyond credit card processing and eCheck acceptance, all related to the processing industry:
Customer Vault - for data security
Billing and Payment Plans - for business ease
Electronic Invoicing - for online billing
There is also reference to partnering with Rapid Advance, whether this partnership is a value-added service cash advance or a separate business lender is not made clear.
Supported Payment Types and Services
It appears NoblePay accepts a wide range of payment types:
Visa
Mastercard
Discover
American Express
eCheck Cashing
Apple Pay
Google Pay
EMV
Discloses All Important Terms
No
Public Pricing Available
Yes
There is no information on the website listing any sort of pricing and fees beyond the cash discount fee of $25 per month. With this arrangement, there are no contracts beyond a month-to-month agreement, and the merchant is given a free terminal.
With this cash discount program, the 4% processing fee is passed on to the merchant’s customers.
Reviews are referring to early termination fees, which leads to the conclusion that NoblePay uses contracts of some length.
Gateway use generally comes with fees that are added on top of contract fees.
Pricing Model
Tiered PricingFlat Rate
Swiped Rate
1.00% - 4.99%
Keyed-in Rate
1.00% - 4.99%
Mobile Payment Rate
1.00% - 4.99%
Virtual Terminal Rate
1.00% - 4.99%
Monthly Fee
$25 - $90
Payment Gateway Fee
$15
Batch Fee
Undisclosed
Early Termination Fee
None
PCI Compliance Fee
$99 Per Year
Equipment Lease Terms
Undisclosed
Address Verification Service (AVS)
Application Fee
Account Setup Fee
None
Gateway Setup Fee
None
Annual Fee
Monthly Minimum
Up to $30
Statement Fee
Undisclosed
NoblePay does not disclose the terms of their contracts on their website. This would indicate the contracts are variable depending on the type of business and risk. It could also indicate that terms are negotiable.
Contract Length
Variable
Early Termination Fee
None
There are several claims that NoblePay offers a free POS terminal with different plans. There are no further references to the details of this free terminal and if it is truly free.
Because there are no details on specific equipment, it cannot be determined what the setup time might be. Depending on what the merchant purchases, it can safely be said that the credit card processing should be up and running somewhere between 1 and 14 days. Many phone app payment processors can be operating in a matter of minutes.
However, none of this takes into account the underwriting process that needs to happen on the back end of the credit card processing business. That can take several days on its own.
The company website offers a login for merchants and an 800 number. Whether there is more customer or tech support once a member is logged in is undetermined at this time.
BBB Rating
NoblePay does not have any profile with the Better Business Bureau.
Other Online Reviews
There are fewer than ten complaints lodged against the company over the company’s fifteen years of existence. These complaints offer an inconsistent picture of the company and do nothing to offer insight into the terms of the company contracts.
BBB
Does not have BBB profile.
No Reviews
N/A
Yelp
N/A
Total Online Reviews
30+
Total Online Complaints
Lawsuits
None
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