Coastal Pay Review

Coastal Pay Review: Complaints, Fees, Rates, Customer Feedback

Coastal Pay is a payment processor that helps businesses accept payments online. The company is well-known for its low fees, high approval rates, and excellent customer service. This Coastal Pay review will take an in-depth look at the company’s details and its prices, rates, customer feedback, and complaints.

We’ll discuss the pros and cons of using the company and offer tips for getting the best experience. Whether you’re considering using Coastal Pay for your business or just curious about the company, this article has everything you need to know.

Overview of Coastal Pay

Coastal Pay is a payment processor that helps eCommerce stores accept credit card payments online. The company has been in business since 2013 and has helped thousands of businesses grow their sales with its reliable service. Coastal Pay differs from most payment processors because it offers many payment options.

This includes credit cards, debit cards, ACH (electronic funds transfer), and cash. Customers also have the option of paying by check. Other payment processors don’t offer such a variety of payment methods. Even some of the most popular payment processors for eCommerce businesses, like Stripe and PayPal, only accept credit cards.

Because Coastal Pay accepts payments in so many ways, it’s one of the best options for small businesses. This is especially true for online clothing, food, and hospitality retailers. These types of companies usually do not accept credit cards online.

Most payment processors only offer payment plans to small businesses. Coastal Pay is also a good option for large corporations. This is because the company provides large payment plans for businesses that process a high volume of credit card payments.

Pros and Cons of Coastal Pay

Let’s examine the pros and cons of using Coastal Pay for your business.


Coastal Pay offers low and high approval rates, which will help increase your sales. The company also provides excellent customer service and a wide range of payment options for your customers.


One of the main drawbacks of Coastal Pay is that it offers a wide range of payment methods. This is a pro for customers but can be a con for businesses. You may need to provide a different checkout process or accept various payment methods. This can be a hassle for small businesses that need more resources or time to accommodate other payment methods. Another potential drawback is that Coastal Pay does not offer to finance. This can limit the amount of money you make from each sale.

Coastal Pay Review: Complaints, Fees, Rates, Customer Feedback

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Rates and fees

Coastal Pay charges a rate of 2.9% per transaction. The company also charges a $2.50 service fee per month. However, the $2.50 fee is waived if you process more than $500 monthly payments. The Coastal Pay fee is lower than the rates of many other payment processors.

Since Coastal Pay charges a flat rate per transaction, its fees won’t change based on how much your business earns. And the low monthly fee makes the company an affordable option for most businesses. This differs from other payment processors like Stripe, which charge a percentage rate.

So, even if you bring in a lot of money, the fees will stay the same. Other payment processors, like PayPal, charge a percentage rate for each sale. This can significantly reduce your profits if you sell many items each month.

Customer Feedback

There are plenty of positive reviews about Coastal Pay. Let’s take a look at some of them. One reviewer says they have been using Coastal Pay for more than six years and have never had any significant issues with the company. Another reviewer praises Coastal Pay for being easy to use, providing excellent customer service, and being reliable.

However, there are some negative reviews about Coastal Pay. One reviewer says they had a terrible experience with the company, and the problems still needed to be resolved after months of waiting. Another reviewer says Coastal Pay provided poor customer service and had a lengthy approval process.


There are a few complaints about Coastal Pay. Most complaints involve Coastal Pay’s lengthy approval process, high fees, and poor customer service. For example, one reviewer complained about Coastal Pay’s high prices and protracted approval process, which took six weeks. Another reviewer says Coastal Pay’s fees are too high, and the company has a lengthy approval process.

Tips for Getting the Best Experience

Here are a few tips for getting the best experience with Coastal Pay. – Process all your payments through the same payment processor, like Coastal Pay. This will ensure that all of your money is accounted for, and you can manage it more easily.

  • Make sure you have an accurate business address listed. Coastal Pay may reject your application if your business address is incorrect
  • Choose the standard payment plan if you cannot pay your bill at the end of the month. This can help you avoid fees
  • Be careful about choosing a payment plan if you need help paying your bill. The late fee is almost as much as the monthly fee, and you may be unable to earn enough money to pay it
  • If you need help paying your monthly bill, contact Coastal Pay as soon as possible. This will give you time to find a solution and avoid extreme consequences
  • Take the time to learn the system and ensure everything is set up correctly. This will save you time in the long run and make everything easier


Coastal Pay is an excellent option for businesses of all sizes, especially eCommerce stores. It offers low and high approval rates and a wide range of customer payment options. It also has excellent customer service, which can be hard to come by with such a large company.

However, Coastal Pay does come with a few drawbacks. It has a lengthy approval process, high monthly fees, and doesn’t offer to finance. Despite these downsides, Coastal Pay is an excellent option for payment processing. If you’re interested in using this payment processor, apply for an account as soon as possible.

Coastal Pay is the most popular payment processor for eCommerce stores. This makes it more challenging to get approved for an account. Once you’re approved, you’ll be able to start accepting credit card payments for less.

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