Does Fintech Partners Take High Risk Merchant Accounts?
How To Cancel Your Merchant Account with Fintech Partners
Fintech Partners Rates and Fees Too High? Is Fintech Partners a Ripoff or Scam?
What Fintech Partners, LLC (FinTech Payments) appears to offer
FinTech Payments positions itself as a full-service merchant services provider and ISO, emphasizing comprehensive payment solutions for a wide array of business types. They advertise the following offerings:
Merchant Payment Processing: Acceptance of credit/debit cards for physical (brick-and-mortar), e-commerce, and mobile merchants, partnering with Worldpay, Elavon, Fiserv, Paya, TSYS, Global Payments, EPX, and more.
Point-of-Sale (POS) Systems: Provides POS hardware and software solutions from brands like Talech, Korona, Clover, Union POS, Quantic POS, TouchBistro, SwipeSimple, and more.
Payment Gateways: Integrations available with NMI, Authorize.net, Bluefin, FluidPay, USAePay, and others.
E-commerce Integrations: Offers solutions compatible with WooCommerce, Magento, BigCommerce, Shopify Plus, and related platforms.
Payroll Solutions: Secure, cloud-based payroll management including automated tax filing and direct deposits.
Lending Marketplace: Access to a variety of small business lending options through a dedicated lending platform.
Digital & Marketing Services: Website design, SEO, paid media (PPC & social), content, email marketing, and CMO-level strategic guidance.
Software Integrations: Tools for invoicing, field service management, ERP/CRM integrations (Microsoft Dynamics, Sage, Acumatica, NetSuite, Salesforce, and more).
Who they serve / Typical merchant types
FinTech Payments states that it serves merchants from virtually all industries, including:
E-commerce businesses
Retail/brick-and-mortar stores
Pharmacies, health, and dental practices
Restaurants and hospitality venues
Charitable and nonprofit organizations
Professional and field services
B2B suppliers
Petroleum (gas stations/convenience)
However, no specific portfolio, case study, or merchant reference list is published publicly.
Where they are based
Phone number
858-405-6257
How long in business?
What merchants should verify
Request a detailed breakdown of all fees (interchange, gateway, statement, batch, PCI, regulatory, etc.).
Ask for clarity on contract length, renewal, and cancellation/early termination policies (ETF).
Understand equipment pricing, whether purchase/lease, and any return obligations.
Clarify PCI compliance process and fees, as well as monthly/annual compliance costs.
Ask about next-day/same-day funding schedule and reserve/hold policies for certain merchant types.
Review support for chargebacks and disputes - what is the process, how responsive is support?
Request a sample merchant agreement or application in advance to review all terms in detail before signing.
How to evaluate them (questions to ask & red flags)
Who is the acquiring/sponsoring bank? Are you a registered ISO/MSP?
Are you a verified Visa TPA (Third Party Agent)? Ask to see official documentation.
What customer support channels are available and during which hours?
Do you have published merchant reviews? Ask for references or case studies.
What steps are required to cancel service, and what are the possible fees or penalties?
What happens if there is a fund hold, reserve, or rolling reserve implemented?
Are there any proprietary (non-transferable) or long-term hardware/software leases?
Red flags include missing address/headquarters, lack of contract transparency, vague answers regarding fees, and missing customer support details.
Share Your Experience
If you've worked with FinTech Payments (Fintech Partners, LLC), please leave an honest review below-positive or negative. Share details about your rates/fees, customer service experience, contract obligations, hardware/software leasing, speed/responsiveness of support, any fund holds or chargeback handling, and your cancellation process. Try to include dates and specifics to help future merchants make an informed decision, but DO NOT post sensitive information such as full card numbers or Social Security Numbers.
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Fintech Partners Rates and Fees Too High? Is Fintech Partners a Ripoff or Scam?
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