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Coastal Payment Systems Company
Coastal Payment Systems (also operating as Coastal Pay or Coastal Payments) is a U.S.-based merchant services provider founded in 2007. It offers payment processing for credit and debit cards, ACH transfers, mobile wallets, and e-commerce, supporting integration with over 2,000 POS and software platforms. The company features dual‑pricing or cash‑discount programs that allow merchants to reduce or eliminate processing fees, along with virtual terminals, recurring billing tools, and financing services. Coastal handles onboarding claims within minutes and emphasizes security via encryption and tokenization. The provider serves diverse sectors including retail, hospitality, healthcare, e-commerce, and high‑risk verticals. It processes billions annually across more than 15,000 merchants, aided by U.S.-based support available 24/7. Positive feedback on review sites and the Better Business Bureau (A+ rating since 2019) highlights strong service, client retention, and cost savings. However, earlier criticisms—prior to 2019—mentioned undisclosed fees, aggressive sales tactics, and contract rigidity. While many current reviews praise responsiveness and flexibility, some users continue to express concern with fee clarity and cancellation practices.