subLyme Payments Review

Rates and Fees
80/100
Truth in Advertising
90/100
Consumer Reviews
85/100
Customer Support
90/100
4

Best for

Domestic, standard-risk merchants in need of payment processing via a payment gateway.

Specializes in

SubLyme Payments specializes in providing payment gateway services to its merchant customers. This company also offers business loans.

Pricing Summary

Setup Fee: Unknown

Monthly Fee: Unknown

Swipe Rate: Unknown

Keyed-in Rate: Unknown

Early Termination Fee : Unknown

Contract Terms:

Unknown
Visit subLyme Payments

SubLyme Payments was founded in 2009, and this company should not be confused with Sublime Merchants, which is a different merchant services provider located in Mesa, Arizona.

This company offers payment processing services and merchant accounts to mostly standard-risk, domestic merchants.

SubLyme Payments is located in Lyme, New Hampshire and its managing directors are Jon Stowe and Jennifer Carter.

subLyme Payments Overview

 

SubLyme Payments is a merchant account provider and payment processing company that was founded in 2009 by Jenn Carter and Jon Stowe. These individuals continue to oversee this company as managing partners. The company is located in Lyme, New Hampshire.

The subLyme Payments website states that the four individuals that make up the bulk of the company’s executive team have a total of 80+ years of combined experience.

There is no information on the subLyme Payments website regarding which acquiring bank they use, or which companies are used as their backend processor. It is very likely that this company is a reseller for another, larger processor.

SubLyme Payments works with standard-risk, domestic merchants to provide them with the services they need. While this company seems to focus on payment gateways, there is evidence that suggests that they also offer POS systems and other types of hardware.

Quick Facts

Head Quarters

5 Main St, PO Box 212, Lyme, New Hampshire.

Year Founded

2009

CEO

Unknown

Employees

2-10

Merchant Provider Risk Tolerance

Low Risk Businesses

What We Like

Payment processing is through a gateway.

Offers business loans.

Accepts standard risk clients.

Offers customer dispute assistance.

Monitors customer rates to provide the lowest possible price.

What We Don't Like

Pricing fees are unknown.

Contract terms are not listed.

Only deals with clients in the United States of America.

Services limited to online sellers.

Uses multiple methods to sell its services.

Industries Served

  • Online Sellers

Business Types Served

  • Mobile
  • Online

subLyme Payments Products & Services

 

Hardware & Software

There is really no mention on the subLyme Payments website of what specific hardware and software the company can provide to its merchant customers. The website indicates that the company can assist merchants with finding the best bank and processor to meet their needs.

Very briefly, the website also mentions that subLyme Payments can help merchants with terminals and other equipment, but again, no specific mention is made of partnerships or what brands of POS systems the company can provide.

Value-Added Services

SubLyme Payments places most of its focus on processing payments and assisting merchants with obtaining merchant accounts. But this company does offer a few other value-added services.

Recurring assessment to determine the best rates
Customer dispute support
Short-term business funding
Auto-funding for savings and for crisis situations

Supported Payment Types & Services

There is no information available on the subLyme Payments website regarding what types of payments are supported with this company’s processing methods. But because it appears that the company is a reseller for at least one other company, the types of payments that can be processed will depend on that company’s payment gateway and/or processing equipment.

Most merchants will be able to accept the following at minimum:

Payments made with any of the four major credit cards
Debit card payments
Check and electronic check payments

subLyme Payments Payment Processing

  • Credit Card Processing
  • Debit Card Processing
  • Mobile Commerce
  • Online Payments
  • Payment Gateway

subLyme Payments Billing & Invoicing

  • Mobile Payments
  • Online Payments

subLyme Payments Advertising & Sales

 
SubLyme Payments does not advertise or guarantee certain rates on the company’s website. It appears that the company uses a combination of partnerships, inside sales, and traditional marketing methods to sell its services.

There are no negative reviews available online regarding subLyme Payments’ sales practices, which indicate that the company is transparent with potential merchant customers. There is no evidence that the company utilizes assistance from independently contracted sales agents, and its methods appear to be ethical.

Truth in Marketing

Discloses All Important Terms

No

Public Pricing Available

No

subLyme Payments Pricing, Rates & Fees

 

There is no information online regarding pricing and fee structure for subLyme Payments. This is most likely because this company is a reseller, and must abide by the rates set by its partners.

The website does mention the fact that the subLyme Payments team regularly assesses its merchant customers’ rates to ensure that they are getting the lowest possible prices for the services they need.

Pricing at a Glance

Pricing Model

Unknown

Swiped Rate

Unknown

Keyed-in Rate

Unknown

Mobile Payment Rate

Unknown

Virtual Terminal Rate

Unknown

Monthly Fee

Unknown

Payment Gateway Fee

Unknown

Batch Fee

Unknown

Early Termination Fee

Unknown

PCI Compliance Fee

Unknown

Equipment Lease Terms

Unknown

Address Verification Service (AVS)

Unknown

Application Fee

Unknown

Account Setup Fee

Unknown

Gateway Setup Fee

Unknown

Annual Fee

Unknown

Monthly Minimum

Unknown

Statement Fee

Unknown

subLyme Payments Contract & Terms

The subLyme Payments website does not have any information about its contracts and terms. But again, because this company is most likely a reseller, any contracts are probably made between merchants and the company that will be providing them with a merchant account and/or payment processing services.

Merchants should be aware that they may have two different contracts when they work with subLyme Payments - one for any equipment they need, and one for the actual payment processing services. These contracts will have different terms, and may not be cancelable with a high early termination fee.

Contract Length

Unknown

Early Termination Fee

Unknown

subLyme Payments Setup & Support

 

The subLyme Payments website does not indicate how long it might take for a merchant to be ready to process payments. This company will connect merchants with the best providers to meet their needs. Once that has been done, it can take up to 14 days before they can start accepting payments, depending on their need for hardware.

SubLyme Payments has phone and fax numbers available on its website and states that it provides 24/7 customer care support. There are also email addresses, a contact form, and each merchant has its own dedicated relationship manager.

Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)
  • Email Support

subLyme Payments Complaints, Ratings & Reviews

BBB Rating

The Better Business Bureau does not have a profile for subLyme Payments listed.

Other Online Reviews

There are no reviews - positive or negative - about subLyme Payments online at all. This is most likely because all reviews are targeted toward the companies this one partners with.




Ratings

BBB

N/A

Google

N/A

Facebook

N/A

Yelp

N/A

Reviews

Total Online Reviews

Unknown

Total Online Complaints

10+

Lawsuits

Unknown

subLyme Payments Alternatives

NEED A MERCHANT ACCOUNT PROVIDER?

If you're in the market for a merchant account provider, be sure to check out our user reviews, our merchant accounts guide and our top popular merchant provider picks

cogthumbs-upcheckmark-circlecross-circle