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Payment DepotB76

Merchant Account (ISO) · Established, higher-volume, low-risk US merchants who want interchange-plus economics without a monthly sub…

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Overview

Payment Depot's wholesale interchange-plus model still looks attractive on paper — a published 0% markup over interchange, no monthly subscription, no contract, next business day funding — but the company that pioneered it is not the company you sign with today. Since the 2021 Stax acquisition, reviewers consistently report fee increases, hidden charges, hard-to-reach support, and trouble cancelling, which is why this review grades it C+. The published markup is also a starting point rather than a quote: the same page advertises "variable rates as low as 0.2% - 1.95%", and your account is priced by a consultant. Get your exact markup and cancellation terms in writing and audit your statements monthly.

Best for: Established, higher-volume, low-risk US merchants who want interchange-plus economics without a monthly subscription, already run their own eCommerce or Clover setup, and are comfortable self-managing an account with minimal support.

Strengths

  • + Published markup of 0% over interchange — 8¢ per card-present transaction, 15¢ card-not-present
  • + No monthly subscription on the published schedule, and no cancellation fee
  • + Month-to-month terms with no long-term contract on paper
  • + Next business day funding as the standard payout speed, and ACH at 1% capped at $10
  • + Integrates with major eCommerce platforms (Shopify, WooCommerce, BigCommerce, Magento) and the Clover POS ecosystem

Trade-offs

  • – Customer support quality has declined sharply since the 2021 Stax acquisition — Trustpilot sits at 2.3 stars, with hidden charges and fee increases a recurring theme
  • – BBB complaints report missing deposits, funds held without explanation, and continued billing after cancellation requests
  • – A $10 monthly PCI fee (rising to $19.99 if non-compliant) undercuts the no-monthly-fee pitch, and Payment Depot does not publish it
  • – The published 0% markup is a headline, not a quote — the same page advertises "variable rates as low as 0.2% - 1.95%" and every account is priced by a consultant
  • – Support is weekday business hours, not the round-the-clock coverage often attributed to it, and no hours are published on the site

Fees in detail

  • Online rate: Interchange + 0% + $0.15
  • Contract: None

Standard published rate for a domestic online card payment. Confirm current pricing on Payment Depot's pricing page.

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