USAePay is best for any business of all sizes looking to accept online payments.
USAePay is not a merchant account provider and does not offer payment processing, nor is it a reseller of such services. USAePay is a payment gateway, a software solution that facilitates online credit card transactions via encryption communication of payment details between the merchant, customer, and the bank. The company also offers easy-to-integrate payment gateways incorporating shopping carts, virtual terminals, and API for eCommerce businesses through partners including Authorize.net, BridgePay, ePN, First Data Global Gateway, Payeezy, and USAePay, among others.
Setup Fee: $0
Monthly Fee: Undisclosed
Swipe Rate: Undisclosed
Keyed-in Rate: Undisclosed
Early Termination Fee : $0
USAePay is not a payment processor nor a reseller of merchant services. As such, the company does not use an acquiring bank.
The company was established in 1998 by Alex Goretsky in Glendale, California, where the company is still headquartered. The company's CEO is Ben Goretsky.
Alex Goretsky founded USAePay in 1998 in Glendale, California, where the company still has its headquarters. The company was a pioneer in online payment gateways as one of the first to adopt internet gateways' application protocol specifications to facilitate e-commerce transactions.
USAePay is a payment gateway and has more than 20 years of expertise in the industry. The company's payment gateway has almost 90,000 merchant users, processing over $30 billion in payments a year. USAePay supports nearly all major credit card industry platforms while also working with leading check platforms. The company works with almost all large payment processing service banks in both the U.S. and Canada.
In February 2021, NMI acquired USAePay for an undisclosed amount. The combined entity accounted for over $100B in payments and over 1.5 billion transactions globally as of 2020.
USAePay is not accredited with Better Business Bureau (BBB) and has not been assigned a rating. We did not find any consistent complaints against the company. However, numerous online reviews are praising the company's platform, speed of execution, and good customer support.
Merchant Provider Risk Tolerance
Compatible with iOS and Android
Offers business management tools
Level 1 PCI compliance
Requires a separate merchant service account
Only available through resellers
Outdated hardware options
Payment Gateway: The company's solutions let merchants accept EMV-enabled cards and contactless payments via ApplePay and Google Pay for online transactions. Although USAePay does not resell merchant account services, the company partners with nearly all merchant processors in the U.S. and Canada.
Security and PCI Compliance: USAePay's payment gateway uses built-in Level 1 PCI compliance security settings, the highest security level available.
USAePay couples with additional innovative security functionality as the company systematically stores customer payment details individually on an encrypted cloud-based platform, rather than database all information in a single location. Effectively, malevolent actors could only take one customer's data at a time if it were ever to be hacked successfully, and then they would still have to decrypt the data.
Encryption is also a key strength of USAePay, pun intended. USAePay utilizes the highest security level available using Transport Layer Security (TLS) with a 2048-bit RSA key for communication within its payments ecosystem.
Mobile Payment: USAePay also offers an app-based solution to accept payments via a smartphone or tablet.
Discloses All Important Terms
Public Pricing Available
USAePay partners with large payment processing service banks and platforms that resell the company's payment gateway to merchants. Below we detail pricing information we found;
Initial setup fee: $100
Monthly Gateway Fee: $25
Monthly PCI Compliance Fee: None
Annual Fee: None
Early Termination Fee: None
Interchange PlusFlat Rate
Mobile Payment Rate
Virtual Terminal Rate
Payment Gateway Fee
$25 Per Month
Early Termination Fee
PCI Compliance Fee
Equipment Lease Terms
To Be Determined by Third Party
Address Verification Service (AVS)
Account Setup Fee
Gateway Setup Fee
Up to $100
USAePay is very transparent regarding contracts. It does not offer a long-term period and does not have an early termination fee.
Early Termination Fee
USAePay isn't accredited with the Better Business Bureau (BBB) and does not have a rating. Other than a few unexpected issues faced by clients that seem to be outliers, there have been no complaints against the company on any online forums. We were instead able to find numerous positive reviews praising the company for the ease of setting up the payment gateway and the excellent customer support offered by the company.
There have been no class-action lawsuits filed against the company, nor are there any FTC complaints against USAePay.
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Total Online Reviews
Total Online Complaints
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