Signature Payments Review – Fees, Comparisons, Complaints

April 27, 2022

Signature Payments is a merchant services company that offers payment solutions to all types and sizes of businesses. Since launching in 2007, it has worked with various industries in need of payment processing for online, retail, and mobile transactions.

As seen on its website, it promotes itself as giving ‘small company attention, large company capabilities’ to its merchants. It takes pride in its innovative technology, flexible solutions, and personalized customer support. Below is an overview of merchant services offered by Signature Payments:

  • Merchant account for credit card and debit card payment processing
  • Omni-channel payment processing (e-commerce, mobile, retail, phone)
  • Gateway integration
  • Customer support

The company also offers value-added services like cash discounts, loyalty programs, and cost-saving options.

Signature Payments Merchant Services

Payment Processing


With a merchant account, businesses can accept payments from major credit card companies like Mastercard, Visa, Mastercard, Discover, and American Express. They can also honor alternative payment methods like debit cards, mobile wallets, checks, and EBT (electronics benefits transfer). This applies to various payment methods like online, on-to-the-go, retail point-of-sale, and via phone.

High-Risk Merchant Accounts

Signature Payments helps high-risk businesses process and accept payments through a merchant account. Fund transfers from merchant accounts to bank accounts will depend on various factors. These factors include the business type and the bank’s policies, among other things. Unlike other competitors, Signature Payments does not mention its network of banks nor does it guarantee fast approval.

Signature Payments merchant services

Payment Gateway Integration

The company’s payment gateway can be integrated into a merchant’s platform through easy-to-use APIs. For e-commerce merchants, Signature Payments’ gateway is compatible with major shopping carts like Shopify, Magneto, WooCommerce, and Ecwid.


Apart from payment processing, Signature Payment offers additional services in its payment gateway, such as:

  • Compliant cost-saving programs like surcharging and cash discounts, which merchants can avail of to cut down on credit card processing fees
  • International payments from over 70 currencies, which merchants can receive as US dollars
  • Loyalty programs and gift cards for customer engagement and higher revenues
  • Inventory management tools

Fraud Protection

Signature Payments assures merchants of secure payment processing. Its system is equipped with safety measures to prevent fraud, resolve chargebacks, and protect revenue. Its payment gateway is also PCI compliant and ensures that cardholder information is protected.

Customer Service

Signature Payments takes pride in providing hands-on customer service. It is ready to support any tech-related issues and customer payment concerns.

Signature Payments Fees, Rates, and Pricing

  • Processing Fees

Signature Payments does not provide detailed processing fees on its website. It is best to contact the company directly to request a personalized quote for its services.

  • Additional Fees

Similarly, it does not mention if it charges additional monthly or maintenance fees.

  • Hidden Charges

The company does not mention anything about hidden charges. However, based on one complaint, a merchant mentioned hidden processing fees outside the initial agreement of a three-month trial period.

Signature Payments Complaints

We have found three complaints against Signature Payments from online reviews sites, to which the company has replied with an explanation. It claims that most complaints may be dubious or misleading based on its record of events. It is unclear if the issues were resolved as there were no further replies. Below is a summary of the issues encountered.

  • Rip Off Reports

All complaints are related to surprising processing fees and withheld money. They claim that the company charged them high processing fees, which it has not returned despite a refund request. As mentioned above, one complainant mentioned being charged despite an agreement of a free 3-month trial period.

  • Other Complaints

Additionally, the complainants claim that they had difficulty contacting Signature Payments about the charges. One also shared an unprofessional experience with a sales agent.

Signature Payments BBB Rating

Since 2015, Signature Payments is a BBB-accredited company under the business name CKC Holdings Inc. It currently has an A+ rating.

BBB Reviews

Signature Payments has a 1-star rating in its BBB profile. It includes the two complaints listed above.

Signature Payments review

Is Signature Payments Legitimate?

Signature Payments is a legitimate company, incorporated as CKC Holdings Inc. in 2004. However, the website shows that the company has been around since 1997. It claims to have worked with thousands of merchants from different industries. Additionally, you can find information online regarding Signature Payments’ owners, executive members, employee count, company address, and contact details.

  • Scams – Based on online information, there are no official scam reports involving Signature Payments.
  • Lawsuits – Likewise, there are no known lawsuits against Signature Payments published online.

Customer Reviews

Signature Payments has mixed reviews based on Google and BBB. Contrary to its 1-star rating on the BBB website, it holds a 4-star rating from 5 Google reviews. One testimonial praised the company as a better alternative to their original bank. Other than that, most reviews do not mention specific benefits from doing business with Signature Payments.


Based on its website, Signature Payments seems to have a long history of serving businesses of all sizes, industries, and risk profiles. Apart from merchant accounts and payment processing, its solutions extend to other helpful features like cost-saving schemes, loyalty programs, and multi-currency payments. Although the company has received only a few complaints, it is worth looking into issues of withheld funds and unresponsive customer support.

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