NoblePay Review

Rates and Fees
70/100
Truth in Advertising
60/100
Consumer Reviews
60/100
Customer Support
70/100
3

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:

Variable
Visit NoblePay

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.

NoblePay Overview

 

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.

Quick Facts

Head Quarters

Sudbury, Massachusetts

Year Founded

1995

CEO

Christopher Swift - President

Employees

10

Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Automotive
  • Beauty & Wellness
  • Clothing & Apparel
  • Convenience Store
  • Contractors
  • E-Cigarettes / Vape
  • Electronics
  • Food & Beverage
  • Gas Station
  • Healthcare
  • Hunting & Outdoor Equipment
  • Moving Companies
  • Personal Service
  • Professional Services
  • Online Sellers
  • Restaurant / Bar
  • Retailers
  • SAAS
  • Telemedicine
  • Thrift Store

Business Types Served

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

NoblePay Products & Services

 

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

NoblePay Payment Processing

  • ACH Check Transactions
  • Cash Transactions
  • Chargeback & Fraud Prevention
  • 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 Card Reader
  • Mobile Payments App
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • POS Equipment
  • Receipt Printing
  • Recurring Billing
  • Shopping Cart Integration
  • Signature Capture
  • Virtual Terminal

NoblePay Billing & Invoicing

  • Billing Portal
  • Customizable Invoices
  • Dunning Management
  • Mobile Payments
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

NoblePay Advertising & Sales

 
It appears NoblePay keeps their sales team in-house and avoids independent contractors. However, this does not always prevent sales from being the focal point of consumer reviews.

There is very little information on the company website. They seem to tease potential clients with potential services but rely on the customer making contact before revealing any real information.

Truth in Marketing

Discloses All Important Terms

No

Public Pricing Available

Yes

NoblePay Pricing, Rates & Fees

 

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 at a Glance

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 Contract & Terms

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

NoblePay Setup & Support

 

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.

Setup Highlights

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

Support Highlights

  • Domestic Phone Support (Business Hours)

NoblePay Complaints, Ratings & Reviews

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.

Ratings

BBB

Does not have BBB profile.

Google

No Reviews

Facebook

N/A

Yelp

N/A

Reviews

Total Online Reviews

30+

Total Online Complaints

<10

Lawsuits

None

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