Overview
Background
Certain Pay is a merchant account provider launched in March 2019 and headquartered at 5145 Brecksville Road in Richfield, Ohio. The company was founded by Marshall Lowy, and its founding team previously held roles at Heartland Payment Systems and Clearent, two established names in the United States credit card processing industry. Certain Pay operates as a reseller for Elavon, a large backend acquirer, and routes its merchant transactions through that platform.
Products and Services
Certain Pay markets credit and debit card processing to standard-risk small business merchants, with an emphasis on point-of-sale and mobile payment acceptance, e-commerce gateway integrations, and hardware such as Clover terminals. The company also promotes a Zen Delivery program for restaurants positioned as an alternative to third-party delivery fees, a referral or passive-income partner program, social media marketing packages, account updater for recurring billing, software integrations including QuickBooks, and a rate tracking tool intended to help merchants monitor changes in their processing costs.
Pricing
Published Pricing
Certain Pay does not publish standard processing rates, contract length, or fee schedules on its public website. Pricing is quoted on a case-by-case basis after a statement review with one of the company representatives.
Reported Fees and Contract Terms
Reported by user reviews and expert content, Certain Pay merchants may encounter monthly PCI compliance fees, equipment lease arrangements, and early termination fees on processing agreements. A published merchant comment described being placed on a cash-discount program built on Clover hardware that the merchant said was difficult to reconcile from a bookkeeping standpoint. Because the company does not disclose its rates publicly, merchants are advised to review the full proposed agreement and pricing schedule line by line before signing.
Contact
Ownership/Leadership: Marshall Lowy
Address: 5145 Brecksville Rd, Richfield, OH 44286
Phone: 440-759-0123
Website:gocertainpay.com
Merchant Reports
Write a review →They are using clover devices as a form of cash discount! Unfortunately it is a book keeping nightmare and not a compliant program! The company itself isn’t horrible but would never recommend using them for cash discount.