BillingTree Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

B2B business and larger-sized companies in the healthcare, automotive, finance, and energy industries

Specializes in

Credit and debit card transactions, e-commerce payments, ACH payment processing, and text payments

Pricing Summary

Setup Fee: $0

Monthly Fee: Undisclosed

Swipe Rate: 1.00% - 4.99%

Keyed-in Rate: 1.00% - 4.99%

Early Termination Fee : Undisclosed

Contract Terms:

Unknown 3 Years
Visit BillingTree

BillingTree is a merchant account provider that is known for its uniquely large variety of payment acceptance options. Merchants that sign up with BillingTree can offer their clients the ability to pay by SMS (text message), phone, online, and a number of other options. 

The firm offers all of its payment acceptance methods through its payment platform called Payrazr. All payments are streamlined through this platform and processed directly through BillingTree and the merchant client. 

We could not locate any complaints regarding the company’s pricing or contract terms despite the firm not disclosing any pricing information on its official website. It is highly likely that BillingTree resells the merchant account contracts of another provider. It is also likely that BillingTree’s sales agents have some lee-way to negotiate contract terms based on a merchant’s specific business characteristics and needs.

BillingTree Overview


BillingTree (also known as Electronic Payment Providers, Inc) is a merchant account provider that aims to offer merchants more customizable plans for their payment processing needs. The firm advertises a wide variety of payment acceptance methods, which can allegedly help increase a merchant’s payments by 54%. Among those accepted payment methods are text payments, credit and debit card transactions, online shopping cart payments, ACH transfers, and mobile/POS transactions.
Most unique about BillingTree’s payment processing services is its ability to offer merchants the ability to accept SMS (text message) payments from their customers. The way this works is that the customer would first need to set up a digital wallet. Then they can make payments to the vendor by simply texting the last four digits of their mobile phone number to another provided number.BillingTree is a registered ISO/MSP of two banks; Synovus Bank and Commercial Bank of California. The firm was established in 2003 and is headquartered in Scottsdale, Arizona at 1776 N. Scottsdale Rd, Suite 1660.

Quick Facts

Head Quarters

Phoenix, AZ

Year Founded



Christine “Chris” Lee



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Education
  • Educational Seminars
  • Electronics
  • Gaming
  • Gas Station
  • Healthcare
  • Marketing Agency
  • Moving Companies
  • Personal Service
  • Property Management
  • SAAS
  • SEO & SEM Services
  • Thrift Store
  • Web Design Services

Business Types Served

  • B2B
  • Ecommerce
  • High Volume
  • Information
  • Low Risk
  • Mobile
  • Mom & Pop
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

BillingTree Products & Services


BillingTree offers a large variety of payment acceptance methods through the company’s omni-channel payment platform called Payrazr. With Payrazr, BillingTree aims to enable merchants to accept more payments by giving their customers the ability to pay through their preferred channel and devices.

Payrayr offers the following payment channels to BillingTree’s merchant clients:

  • ACH Transfers

  • Credit & Debit Card Payment Processing

  • Online Payment Processing

  • Phone & IVR (Interactive Voice Response)

  • SMS (Text Messsage) Payment Processing

  • POS Payment Processing

Payrazr only acts as the platform in which these payment methods are accepted. All funds are still processed directly through BillingTree and disbursed to the merchant from a single channel.

BillingTree Payment Processing

  • Credit Card Processing
  • Debit Card Processing
  • eCheck & ACH Processing
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • POS Equipment
  • Virtual Terminal

BillingTree Billing & Invoicing

  • Mobile Payments
  • Multi-Currency
  • Online Payments
  • Payment Processing

BillingTree Advertising & Sales

BillingTree exercises a variety of marketing tactics ranging from an in-house sales team to outsourcing contract sales to sub-ISO’s. The firm relies on these subsidiary ISO’s and other strategic partnerships to help sell their payment processing contracts to potential merchant clients. The firm does not appear to employ independent sales agents, which often correlate with aggressive sales tactics and misleading contract information. Additionally, there are no reports of BillingTree advertising misleading rates or guarantees in its marketing materials. Overall, BillingTree shows a more transparent sales process than a majority of its competing payment processing firms.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


BillingTree Pricing, Rates & Fees


There is no available information regarding BillingTree’s rates and fees at this time. The firm doesn’t provide specific contract terms on the BillingTree official website, as is somewhat common with merchant service providers. There are also no public reviews that give concrete pricing information currently available. 

To get a better understanding of BillingTree’s contract pricing, users should contact the firm directly for a customized price quote.

Pricing at a Glance

Pricing Model

Swiped Rate

1.00% - 4.99%

Keyed-in Rate

1.00% - 4.99%

Mobile Payment Rate

Virtual Terminal Rate

1.00% - 4.99%

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

BillingTree Contract & Terms

It’s difficult to determine the pricing structures of a standard BillingTree contract due to the lack of pricing information available online and on the company’s official website.

BillingTree does not disclose any partnerships with a back-end processor but it is highly likely that the firm resells its merchant account contracts from another provider.

It is also speculated that BillingTree’s sales agents have some flexibility with rates and fees, which would make the contract terms more negotiable depending on a merchant’s size, industry, and business history.

Contract Length

Unknown3 Years

Early Termination Fee


BillingTree Setup & Support


Setup Highlights

  • Documentation / Knowledge Base
  • Live Online (1-on-1)

Support Highlights

  • Domestic Phone Support (Business Hours)
  • Offshore Tech Support (After Hours)

BillingTree Complaints, Ratings & Reviews

BillingTree is accredited with the Better Business Bureau and maintains an “A+” rating on its BBB profile. The firm shows a clean compliant record with 0 complaints over the past 36 months.

We also were not able to locate any negative informal reviews outside of the company’s BBB profile.







4.4 Stars / Based on the opinion of 7 people




Total Online Reviews


Total Online Complaints




If you're in the market for a merchant account provider, be sure to check out our user reviews, our merchant accounts guide and our top popular merchant provider picks


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