360 Payments Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Merchants seeking a transparent, hassle-free payment processing solution from a company they can trust.

Specializes in

360 Payments specializes in working with merchants of any size, even those who regularly accept “micropayments,” which are usually too small for cost-effective payment processing with other ISOs.

Pricing Summary

Setup Fee: N/A

Monthly Fee: N/A

Swipe Rate: Unknown

Keyed-in Rate: Unknown

Early Termination Fee : Unknown

Contract Terms:

Visit 360 Payments

360 Payments is located in Silicon Valley, California, and Jesse Meddaugh is listed as the Partner in charge of business management.

This company has been in business since 2012.

360 Payments provides payment processing services for merchants in all types of businesses and industries.

360 Payments Overview


360 Payments is a payment processing company that operates out of Campbell, California in Silicon Valley. It was founded in 2012, but the business was not incorporated until 2019. 360 Payments has 175 employees.
This company specializes in working with businesses of all sizes and risk levels. 360 Payments also works with merchants that need to accept “micropayments,” which are typically too small for other ISOs to process in a manner that is cost-effective for merchants. 360 Payments stresses the importance of forming personal relationships with its merchant customers in order to help them bring their businesses to the next level.

Quick Facts

Head Quarters

197 E Hamilton Avenue, Suite 102 Campbell, CA 95008

Year Founded



Lisa Coyle



Merchant Provider Risk Tolerance

Low Risk Businesses

What We Like

What We Don't Like

Industries Served

  • Online Sellers

Business Types Served

  • Ecommerce
  • Mobile
  • Online

360 Payments Products & Services


Hardware & Software

The 360 Payments website is very basic, and it only has one page. The company advertises offering a variety of payment processing solutions for merchant customers, including terminals, POS systems, payment gateways and software integrations.

What sets 360 Payments apart is the fact that the company has software that integrates with some of the top industry-specific software options. They include:

Bolt On Technology
The Guru
NAPA Tracs

Payment Gateway customers can choose from several different gateways to process payments, including Authorize.Net, USAePay and eProcessing Network. 360 Payments also offers its own payment gateway called Velox to its merchant customers. This allows merchants to utilize its API resources for integration.

Value Added Services

360 Payments does not offer many value added services as other ISOs do. However, the company does provide payment processing services for non-profit organizations that need software to receive secure donations.

Supported Payment Types & Services

360 Payments allows merchants to accept many different types of payments, including:

Payments from all four major credit card companies
Debit card payments
Magnetic strip and EMV chip cards
PIN or signature debit payments
Check payments
EBT payments

This company can also set up recurring payments or subscription payments for merchants as well.

360 Payments Payment Processing

  • Credit Card Processing
  • Debit Card Processing
  • Mobile Card Reader
  • Mobile Commerce
  • Online Payments
  • Payment Gateway
  • Shopping Cart Provided

360 Payments Billing & Invoicing

  • Mobile Payments
  • Online Payments
  • Payment Processing

360 Payments Advertising & Sales

There is no indication that 360 Payments is working with independent sales agents or partners to market its services. It appears that the company may have its own inside sales team. The company’s website has a contact form that allows merchants to request a demo from a sales agent. No other advertising or sales methods are known at this time.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


360 Payments Pricing, Rates & Fees


There is no information available regarding 360 Payments’ pricing or fees available on its website or on any of the reviews sites that discuss this company’s products and services.

One review website does have several reviews for this company, and all of the reviewers gave 360 Payments 4-5 stars in the “Value for the Money” category. There is no indication that this company charges higher prices and fees than other ISOs.

Pricing at a Glance

Pricing Model


Swiped Rate


Keyed-in Rate


Mobile Payment Rate


Virtual Terminal Rate


Monthly Fee


Payment Gateway Fee


Batch Fee

Early Termination Fee


PCI Compliance Fee

Equipment Lease Terms

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee

Monthly Minimum

Statement Fee

360 Payments Contract & Terms

360 Payments advertises no contracts or hidden fees on its website. However, it is not clear whether this applies to hardware, software or both.

Merchants doing business with 360 Payments may not have a contract with this company for their services. It is very likely that they operate on a month-to-month basis. But merchants may need to sign contracts with other companies if they choose to utilize their POS systems, which would be separate from 360 Payments.

Contract Length


Early Termination Fee


360 Payments Setup & Support


There is no information available on the 360 Payments website regarding how long it takes to get set up to begin processing payments with this company. Merchants taking advantage of this company’s API for integration into their existing shopping carts or POS systems, or those choosing a payment gateway may be able to get started very quickly; even on the same day.

Merchants that need to lease POS systems or terminals may take longer, but 360 Payments does offer to assist merchants with setup and installation to ensure everything is operating correctly.

It appears that the only way to contact 360 Payments is by requesting a demo on its website. There is no additional contact information available. There are phone numbers available for this company elsewhere online, but not in their marketing materials.

Setup Highlights

  • Documentation / Knowledge Base

Support Highlights

  • Domestic Phone Support (Business Hours)
  • Email Support

360 Payments Complaints, Ratings & Reviews

BBB Rating

360 Payments has been accredited with the Better Business Bureau since 2013. The company has an A+ rating on the BBB website.

There have been two customer reviews left on the BBB website for this company. Both were one-star reviews and indicated that the company had been charging them for payment processing terminals that were never used, or for defective equipment that caused errors and large deductions from the merchants’ checking accounts. There have been no responses from the company on the BBB website regarding these issues.

Other Online Reviews

Other online reviews indicate that 360 Payments is a good value for the money and that customer service is highly responsive.



A+ and has been Accredited since 2013. (2 Reviews; 0 Complaints)




4.4 out of 5 Based on the opinion of 30 people


4.5 Stars / 32 Reviews


Total Online Reviews


Total Online Complaints




360 Payments Alternatives


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