USAePay Review

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Best for

USAePay is best for any business of all sizes looking to accept online payments.

Specializes in

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, BridgePay, ePN, First Data Global Gateway, Payeezy, and USAePay, among others.

Pricing Summary

Setup Fee: $0

Monthly Fee: Undisclosed

Swipe Rate: Undisclosed

Keyed-in Rate: Undisclosed

Early Termination Fee : $0

Contract Terms:

Visit USAePay

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.

USAePay Overview


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.

Quick Facts

Head Quarters

Glendale, CA

Year Founded



Ben Goretsky



Merchant Provider Risk Tolerance

What We Like

Compatible with iOS and Android

Offers business management tools

Level 1 PCI compliance

What We Don't Like

Requires a separate merchant service account

Only available through resellers

Outdated hardware options

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Moving Companies
  • Personal Service
  • SAAS
  • SEO & SEM Services
  • Thrift Store
  • Web Design Services

Business Types Served

  • Ecommerce
  • High Volume
  • Low Risk
  • Mobile
  • Mom & Pop
  • MOTO
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

USAePay Products & Services


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.

USAePay Payment Processing

  • Credit Card Processing
  • Debit Card Processing
  • eCheck & ACH Processing
  • EMV Processing
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • Shopping Cart Integration
  • Virtual Terminal

USAePay Billing & Invoicing

  • Mobile Payments
  • Online Payments
  • Payment Processing

USAePay Advertising & Sales

We have found no complaints about USAePay sales tactics. The company does not employ outside sales, which are usually more aggressive in achieving sales targets, often at the expense of essential controls such as transparency and full disclosure.

The company employs a channel partnership strategy, working with nearly all large payment processing service banks and payment processing platforms in both the U.S. and Canada.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


USAePay Pricing, Rates & Fees


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

Pricing at a Glance

Pricing Model

Interchange PlusFlat Rate

Swiped Rate


Keyed-in Rate


Mobile Payment Rate

Virtual Terminal Rate


Monthly Fee


Payment Gateway Fee

$25 Per Month

Batch Fee


Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms

To Be Determined by Third Party

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Up to $100

Annual Fee

Monthly Minimum


Statement Fee

USAePay Contract & Terms

USAePay is very transparent regarding contracts. It does not offer a long-term period and does not have an early termination fee.

Contract Length


Early Termination Fee


USAePay Setup & Support


Setup Highlights

  • Documentation / Knowledge Base
  • Recorded Video Training

Support Highlights

  • Domestic Phone Support (Business Hours)

USAePay Complaints, Ratings & Reviews

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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USAePay Alternatives


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