Inbound Payments Review

Ideal For

  • Startups
  • Small Business Owners


  • Subscription-based fee model
  • No contracts or annual fees
  • Facetime live with support agents
  • U.S. based customer service
  • Accept Apple Pay, Google Wallet and Near Field Communications


  • Apple-specific point-of-sale systems
  • No FAQ/Knowledgebase

Visit Inbound Payments

Why Go With Inbound Payments

Inbound Payments has a number of things going for it that make it stand apart from other credit card processors in the industry. Most notable is the subscription-based pricing model. This approach puts all the emphasis on the value the company brings to the table, as opposed to features that may or may not be included.

(Or that you’ll be charged extra for adding on, like some other processors)

For small business owners and startups, every penny counts. Small per transaction fees, no hidden fees, no PCI compliance fees, and a simple flat rate price is the key reason for choosing Inbound Payments. If you need more than a low investment to sell you, then consider the added mobility of a dedicated app, 24/7 customer service, a variety of ways to pay beyond standard credit card types, real time analytics, and free equipment – all without a contract.

go with Inbound Payments

What They Offer

  • Free payment processing device for your business
  • A dedicated mobile app to process orders on the go
  • Intuitive analytics dashboard with real time analytics
  • Free smart terminal (inbound pro package)
  • Facetime and SMS text customer support 24/7
  • Feature packed software in Smart Terminals (onboarding, menu items, cash draw integration, back office systems)
  • Managed IT solutions for all software and hardware
  • Easy eCommerce integration with and Payeezy gateway

More Reasons to Choose Inbound Payments

For a lot of retail customers, the biggest competition comes from customers who shop online. In fact, based on a study from UPS and comScore last year, more than 50% of all purchases made by consumers are made online.

It’s tough for a brick and mortar store like yours to go up against that kind of shift to online shopping, and it’s only going to get tougher. Inbound Payments makes it easier than ever to transform your store into a click and mortar giant, with customers on a national or global scale.

All eCommerce and payment gateway solutions from Inbound Payments are PCI DSS compliant, and processed securely through Payeezy and

This kind of online integration is great to see. By accepting online orders, you give your customers more ways to purchase from you. The eCommerce integration from Inbound Payments also makes it easy for customers to place preorders, or do site-to-store order and pickup. Ultimately, it’s a credit card processor that allows you to provide a more convenient experience to your customer.

Ease of Use

Every credit card processor works fundamentally the same; swipe or enter a card to process a transaction, close your batch, and wait for the money to deposit.

Where many companies vary is in the quality of the terminals they use, and the features available within the software or customer portal.

Focusing specifically on the smart terminal that comes free for customers, Inbound Payments couldn’t make managing transactions (and your business) any easier. While most legacy credit card terminals are limited to handling a few payment methods with standard security features, Inbound Payments goes above and beyond.

The company’s smart terminals feature a variety of payment options including:

  • Near field communications
  • EMV Chips for more secure transactions
  • Standard credit card processing
  • Apple pay and Google Wallet processing

Adding to the ease of use is a software suite that helps you manage customer onboarding and menu items, as well as back office integration for managing employees and office workflow.

The terminals also link to an AppStore for a variety of additional functionalities including ordering ahead, and the USB peripherals and WiFi/3G capability make the smart terminal highly mobile. With an intuitive and simple to use interface, including back office and reporting functionality in the mobile app, it’s an extremely easy to learn and simple to use for even the least tech-savvy small business owner.

The application process is relatively simple and comparative to many other merchant credit card services, and can be completed a few different ways.

Option 1: 

  • Visit <><href to source link> and click the “sign up” button
  • Fill out the “sign up for free” form and hit submit
  • Depending on when you submit the form, you should receive a call back quickly from an agent to help you get your account setup and answer any questions you may have.

Option 2: 

  • Call direct using the phone number on <><href to source link>
  • Speak to an agent to determine which plan is best for your business, and they’ll help you get your account setup.

With a merchant service like Inbound Payments, it’s helpful to have some business information available when you make contact. This includes financial data/forecasts and the volume of credit card transactions you process. That information allows the rep to help you choose the best plan for your business.

What’s Unique About Inbound Payments

Inbound Payments takes a very unique approach to processing credit cards for small business owners.

Hyper-Competitive Processing Fees

Most merchant processors charge variable transaction costs, leading to surprise fees when statements or batches are processed. Inbound Payments, on the other hand, charges a flat rate per transaction that will never suddenly change or surprise you.

No Hidden Fees

For a small business owner, fees can add up that take away necessary capital you need for inventory, labor, and paying your vendors. So it can be frustrating when a merchant service adds in percentage mark ups, batch fees, annual fees, PCI compliance fees, network and support fees or interchange markup.

Nix all of that with Inbound Payments, as there are no additional fees beyond your monthly rate, interchange pass through and per transaction fee.

24/7 Access to Support

We’ll cover support in more detail below, but it’s worth mentioning that this is one of the things that really sets Inbound Payments apart. Its support team is highly accessible, and available around the clock.

This includes local US terminal and POS installations. If you’re not tech savvy and you need help with getting your hardware configured, Inbound Payments can help you with all the hardware configuration. That’s an impressive approach, considering the cost of outsourcing to local 3rd party IT providers.

Absolutely No Contract

We’ve seen other merchant services that offer no-contract services, but in many cases that only applies up until you need a terminal. In order to get a free terminal with a number of other providers, you need to sign a term lease.

Not so with Inbound Payments. 

There’s absolutely no contract, and the plans still come with a free smart terminal or processing device (or gateway depending on your model.) When you’re approved for an account with Inbound Payments, you get access to the smart terminal for free.

Streamlined Smart Terminals

The smart terminals from Inbound Payments are proprietary devices that make processing customer transactions a breeze, especially if you have limited space. Rather than having a multitude of devices including displayed, printers, terminals, and more, the smart terminal has everything built in:

  • Touch screen
  • Integrated pin pad
  • Printer
  • 3D barcode scanner
  • Register
  • Remote management access
  • USB connectivity for other peripherals

More Payment Options

Apple Pay is relatively new since 2016, as Apple opened it to merchants outside of the Apple marketplace. Still, many merchant processors have been slow to adopt it or add functionality to terminals.

Inbound Payments is not only setup for Apple pay, but your customers can also use Google Wallet when checking out. Whether they’re an Android or an Apple user, they’ve got a ton of options to pay for their purchase to help you avoid abandoned carts.

ecommerce with inbound payments

Customer Support

We mentioned it above, and it’s worth going into a lot more detail here. Inbound Payments has taken a truly innovative approach to customer support that feels like something out of a movie based in the future.

Every business owner knows how frustrating it is to waste time trying to call for customer service and getting stuck on hold in a call queue. Every minute spent on hold is time you could be spending growing your business.

Inbound Payments has made every effort to eliminate this headache, and create a truly personal experience that connects its teams to the customer.

Most notable is the Facetime support, where you can chat live via video with a support representative. Not only is this more personable experience helpful in communicating problems, the techs can show you via video exactly what to do to troubleshoot hardware, or tricky problems within your interfaces and dashboard.

If you need help on the fly, can’t sit on hold, but aren’t free to facetime, the SMS customer service can help you tackle small issues or problems that impede business but haven’t ground your day to a halt.

Customers also have access to support through traditional phone contact, or online through email. Beyond traditional methods, customers can connect with the staff at Inbound Payments through social media. While it’s not the ideal means of reaching someone, it ensures that no matter where you are, or what problem you’re having, you’ve always got help close by.

And we mean that literally, since the company has local support for setup and installation of terminals and POS systems as well.

The only thing we found a little disappointing is the lack of a public facing FAQ or knowledgebase for self-help. Support portals with this kind of open information, as well as a community of users to discuss thoughts and issues in a forum, is fairly standard these days so it’s a surprise to see that it’s not an option.

On the upside, Inbound Payments does host a fairly informative blog. While it’s not loading with troubleshooting tips, the team makes a solid effort to provide additional value and support small business owners within their blog content.


Because of the business model it uses, the pricing for Inbound Payments is pretty straightforward, and broken into two plans.

  • Core: $79 per month with pass through interchange fees and $.08 per transaction
  • Inbound Pro: $99 per month with pass through interchange fees and $.10 per transaction

There’s also an enterprise plan, but there’s no set price. Pricing is customized for your business based on annual volume (for businesses with an annual volume greater than $750,000).

Contract Terms

Contracts are incredibly simple with Inbound Payments… because there aren’t any. Regardless of the plan you choose, there are:

  • No contracts
  • No hidden fees
  • No setup costs
  • No equipment leasing terms
  • No early termination fees

Review In Short

While Inbound Payments does offer customization for enterprise-scale organizations, it’s pretty clear the service it offers caters to startups and small businesses that need simplified pricing to help them grow their business.

You simply can’t find customer support the same way that it’s being offered by Inbound Payments. Couple the impressive support services with affordable rates and free (feature packed) processing terminals, and it’s really easy to see why this is a smart choice in static or mobile payment processing for any small business owner.

About Inbound Payments

Inbound Payments is a privately held financial service (merchant credit card processor) founded in 2016. The company is relatively new, with under 50 employees working either remote or out of the corporate headquarters in Clayton, Missouri. Rather than just acting as a go-between service to move money for businesses and collect fees, Inbound Payments prides itself in offering more value through its SaaS (software as a service) subscription model.

Physical Address

7777 Bonhomme Ave Suite, 1800 Clayton, Missouri 63105 United States

Contact Details

Phone: (314) 797-7130




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