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Our Process

We focus on three main areas of interest.

We do the hard work!

We review contracts, rates, and fees to ensure you're getting the best deal. We check every nook and cranny to make sure you don't overpay because of misleading terminology, hidden costs, and deceptive sales tactics.

Read Our Latest Reviews

We Take Complaints Seriously

We scoure every major review and complaints site to ensure our experience with a payment provider is consistent with other customers. Our goal is to be certain you're getting the most honest snapshot of the company at the time of our writing.

If you feel our review reflect a different experience than the one you've had, reach out to us and tell us about it.

  • We check complaints
  • We ask key questions
  • We find answers
  • We talk to the community
  • We keep track

Integration requirements can be just as important as fees and customer service. For many merchants, getting up and running quickly and efficiently is imperative to maintaining uptime, and keeping the revenue stream open. We check every provider's integration process to ensure a smooth transition and onboarding process.

Best Retail Provider 2020

Best Ecommerce Provider 2020

Best High Risk Provider 2020

Best Overall Provider 2020

Secure Trading

Read our Review

Our Latest Review of T1 Payments

Tuesday, September 29th, 2020
Best Payment Providers

How we rated them






What We Liked

T1 Payments is a merchant account provider that services both standard and high risk e-Commerce businesses worldwide. They provide “same-day” merchant accounts, credit card processing at a flat rate, and “liberal” underwriting merchant services.

There are no credit card terminals to purchase, or special software necessary, and merchants benefit from fast boarding.

What We Didn't Like

Unfortunately, there are numerous complaints filed against the company, not only on the Better Business Bureau but scattered throughout online review forums such as Trustpilot, RepDigger, and Top Credit Card Processors. The common theme discussed on these forums, according to former and current customers is that T1 Payments is a “scam”. Specific complaints by customers include rude customer service, excessive termination fees, the withholding of funds, termination of their account without notice, and “higher-than-quoted” fees. 

Another recurrent action seen in the Top Credit Card Processors website is T1 Payments repeatedly commenting on different customer’s complaints, indicating their “first time” of hearing such a complaint and the unavailability of the owner’s name on record in their system.

A Good Fit For:

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Are You High Risk?

Merchant accounts that are classified as high risk operate in industries which are more susceptible to chargebacks, fraud, and other factors that increase risk for the banks providing their services.

You might be considered High Risk if you're:

  • A Merchant with high chargeback ratios
  • In an industry at higher risk for fraud
  • In new, burgeoning markets

Find a consumer financing lender

Consumer financing is being adopted heavily by product and service providers that want to garner new customers and give recurring customers the chance to purchase products that were otherwise inaccessible to them before.

For a consumer financing account, you'll need:

  • Proof of operating business
  • Last 3 month bank statements
  • A copy of your articles of incorporation


Meost banks agree that chargeback ratios should be under 1%. Anything higher and you're going to make yourself and your business susceptible to being categorized as a high-risk business

If your chargebacks are climbing, you should:

  • Find a service provider with Chargeback Alerts
  • Implement Chargeback prevention

Go for it!

Negotiating rates is a long and arduous process, and we highly recommend that you do this as frequently as you're able. In the payment services business, it's important to keep trying to get the best rates possible, as even a few pennies per transaction can lead to millions for some businesses.

Not Many do

Many banks don't support loans to new businesses and finding a business funding, cash advance, or working capital loan can be an extremely difficult task.

Do you have:

  • 90 days of processing?
  • At least 10k per month in transactions?
  • A business bank account?

Have more questions? Check out our Blog or email our Team