NXGEN Payment Services Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Online and POS businesses processing mobile and in-store transactions

Specializes in

POS equipment, online payment gateway for eCommerce transactions, and mobile payment processing.

Pricing Summary

Setup Fee: $0

Monthly Fee: None

Swipe Rate: 2.65%

Keyed-in Rate: 2.65%

Early Termination Fee : None

Contract Terms:

Month-to-month 1 Year 3 Years
Visit NXGEN Payment Services

Initially a merchant account provider for just USA-based merchants, NXGEN Payment Services now operates internationally under the DBA - NXGEN International Payment Services. 

The firm offers both online and POS-based payment solutions to merchants under contracts provided by Elavon. 

NXGEN Payment Services faces a relatively low number of customer complaints and offers a variety of pricing options, which are described in further detail below.

NXGEN Payment Services Overview


NXGEN Payment Services is a merchant account provider that was founded in 2002 by Thomas Nitopi, who still acts as the firm’s CEO today. 

NXGEN initially only offered service to merchants residing in the U.S.A but the firm later launched a joint venture to operate in Canada under the DBA NXGEN Canada. This partnership is no longer active and NXGEN USA instead now operates internationally under the DBA - NXG International Payment Services.

The firm is headquartered in Whitefish, Montana, and is a registered ISO/MSP of Elavon and Wells Fargo Bank, N.A. in Concord, California.

NXGEN advertises itself as “The global leader in payment solutions” and has achieved the following milestones to support that claim:

  • 2017 Elavon Arch Award - given to the Merchant Service Providers with the highest transaction volume in the industry

  • 2016 ISO Of The Year - the payment processing industry’s most prestigious award given to businesses making advancements in the payment industry

  • 2015 Largest MSP/ISO of Elavon (by processing volume)

Quick Facts

Head Quarters

Whitefish, MT

Year Founded



Thomas Nitopi



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Education
  • Educational Seminars
  • Electronics
  • Gaming
  • Gas Station
  • Healthcare
  • Medical
  • Moving Companies
  • Personal Service
  • Restaurant / Bar
  • SAAS
  • SEO & SEM Services
  • Thrift Store

Business Types Served

  • Ecommerce
  • High Volume
  • Information
  • Low Risk
  • Non Profit
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

NXGEN Payment Services Products & Services


NXGEN offers a variety of products sorted into categories for mobile, online, and in-store payment processing. 

Mobile Solutions

NXGEN offers mobile payment processing equipment such as portable terminals, digital wallets, and various other mobile accessories. 

  • The Converge Mobile App enables merchants to accept card payments on-the-go via a card-reader. 

  • NXGEN offers the Poynt 5 Smart Terminal, which is designed as a comprehensive payment-acceptance solution made compatible with a number of printers, cash drawers, and payment apps. 

Ecommerce Solutions

NXGEN advertises Quantic - a “robust eCommerce platform” built for merchants who process online transactions. With Quantic, merchants can process transactions on their e-commerce store(s), accept orders via mobile apps and self-order kiosks, authorize gift cards for their business, and several other sub-features.

NXGEN Payment Services Payment Processing

  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • EMV Processing
  • Gift & Loyalty Program
  • Merchant Cash Advance
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • POS Equipment

NXGEN Payment Services Billing & Invoicing

  • Multi-Currency
  • Online Payments
  • Payment Processing
  • Project Billing

NXGEN Payment Services Advertising & Sales

NXGEN appears to employ independent sales agents to market its services, which generally results in a larger percentage of customer complaints. This convention upholds with NXGEN as the firm faces a number of customer complaints for its allegedly aggressive sales tactics.

We have also located a few negative reviews from NXGEN’s own sales agents that accuse the firm of rolling out new “programs” that can automatically and unknowingly enroll merchant clients, leading to additional fees.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


NXGEN Payment Services Pricing, Rates & Fees


NXGEN offers two different pricing plans - “Instant Processing” and Custom Pricing.”

The Instant Processing plan calls for no monthly fees, a flat 2.65% transaction fee, and a $25 payment terminal. This plan also includes a 30-day money-back guarantee.

The Custom Pricing option offers variable rates and fees and comes with a dedicated account specialist to assist with setting up equipment and transactional issues. With the custom pricing option, merchants can pick and choose the POS and eCommerce solutions that best fit their particular business model. 

Merchants should also be aware of additional (but common) fees such as a PCI compliance fee or batch fees associated with using NXGEN’s online payment gateway.

Pricing at a Glance

Pricing Model

Interchange PlusTiered PricingFlat Rate

Swiped Rate


Keyed-in Rate


Mobile Payment Rate

Virtual Terminal Rate

1.00% - 4.99%

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms

48 Month (locked) ; $25

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee


Annual Fee


Monthly Minimum


Statement Fee

NXGEN Payment Services Contract & Terms

A sales rep from NXGEN has stated that the standard merchant contracts offered by NXGEN are provided by the larger merchant account provider, Elavon. 

These contracts include no early termination fee as well as the option to purchase or lease equipment. Merchants are generally advised to avoid entering equipment lease contracts as the cost is often much more expensive than purchasing the equipment outright.

A standard contract with International Bancard is a three-year agreement with automatic renewal. These contracts include an Early Termination Fee of $599 or the maximum amount dictated by state law, whichever amount is lesser.

Contract Length

Month-to-month1 Year3 Years

Early Termination Fee


NXGEN Payment Services Setup & Support


Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)

NXGEN Payment Services Complaints, Ratings & Reviews

NXGEN Payment Services has been accredited with the Better Business Bureau since 2006 and maintains an “A+” rating on its BBB profile. There the company shows only 1 complaint over the past 3 years and it’s regarding a billing/collection issue. 

Outside of its BBB profile, NXGEN only shows 2 negative reviews that accuse the company of being a scam. 

The low complaint total could indicate that NXGEN has a strong customer service department and/or is transparent with its contract terms. 



A+(1 complaint)


4.6 Stars / 10 Reviews


4.8 Stars / Based on the opinion of 11 people




Total Online Reviews


Total Online Complaints





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