In other words, Shift4 Payments is one of the most ubiquitous merchant services brands in the U.S. What’s more, Square offers some of the most popular and intuitive POS hardware on the market, including the Square Register and Square Terminal. Compare the best Shift4 alternatives in 2020. This tool is available on any computer or mobile device and offers numerous reporting and customer engagement tools, plus a variety of other management features. In critical reviews of Shift4 Payments, customers complain about poor customer service, deceptive sales tactics, and expensive hidden fees. Shift4 Certifies for EMV Transaction Processing with Moneris. DOLLARS ON THE NET vs Fivestars. As for Shift4, after raising capital via its IPO and using some proceeds to pay down debt, it expects to have a cash balance of $194 million and total liabilities of $429 million. Shift4 Payments also integrates with an array of POS and property management system software brands across a broad spectrum of industries, including lodging, food and beverage, retail, ecommerce, gaming, golf, spa, and more. The POS systems from these ISVs increased Shift4’s market share in POS systems for mid-size and large restaurants to 35%, up from 3% before the deals, and “allowed [Shift4] to become the dominant player,” the suit contends. The Shift4 payment gateway integrates with just about every major back-end processor, as well as over 300 POS and property management systems, and most major POS hardware brands. I have called several times a week with no resolution. You’ll also get a free mobile magstripe reader, and access to Square’s free POS software. If it can sustain its double-digit percentage growth, its revenue is more valuable than Shift4's is. Shift4 Payments also sells restaurant POS systems, business intelligence tools, POS hardware, and gift cards. And both of these small fintech outfits are growing very fast, so my opinion is subject to change. Square Payments rates 4.6/5 stars with 109 reviews. Fiserv. Made with, Getting a Credit Card With No Credit History, Opening a Business Bank Account With No Deposit, Opening a Business Bank Account Without an EIN, Best Accounting Software for Sole Proprietors. While many resellers are reputable, we recommend doing your research beforehand to make sure you don’t partner with someone who will put their interests before the interests of your business. As previously mentioned, Shift4 Payments owns four major restaurant POS brands: Harbortouch, POSitouch, Future, and Restaurant Manager. Users who sign up for Harbortouch, POSitouch, Future, or Restaurant Manager can bundle their payment processing with their POS, and receive lower rates than those who go with a third-party payment processor. ACCEO Tender Retail has been deploying its EMV middleware solution to many of the largest US and Canadian merchants since 2007. Shift4 Payments isn’t the perfect solution for every business. Side-by-side comparison of Shift4 and TouchPay. By the end of this Shift4 Payments review, you’ll have a clear picture of whether they’re right for you—and if they’re not, we’ll also highlight some Shift4 Payments alternatives. Shift4 Payments isn’t as widely reviewed as their subsidiaries, but their Better Business Bureau page is revealing. REPAY Holdings vs. Shift4 Payments: Which Recent Digital Payments IPO Is the Better Buy? Shift4 Payments rates 4.0/5 stars with 13 reviews. Convenience: Working different shifts leaves the door open for shift-swapping and requests for certain hours pending the next rota being created. Find the latest Shift4 Payments, Inc. (FOUR) stock quote, history, news and other vital information to help you with your stock trading and investing. If market has another sell off like Q1-20, Shift4 can see a liquidity crisis (similar to FirstData crisis in 2016 when stock traded at $8.67 on Feb 11th 2016 vs IPO price of $16). It has been an accounting nightmare to try and reconcile what we took in to what is deposited. These businesses tend to have a reputation of misleading clients, stuffing contracts with hidden fees, and offering poor customer support. Shift4, is a leading developer of enterprise payment solutions, provides powerful, Web-based applications that allow merchants to turn their customers' credit, debit, check and gift card transactions into dollars in the bank quickly, accurately, and securely. Nicholas has been a writer for the Motley Fool since 2015, covering companies primarily in the consumer goods and technology sectors. Adyen's main competitors include Shift4 Payments, Ingenico Group, Square, CyberSource, Checkout.com, BrainTree, Stripe, PayPal, Klarna and iZettle. View real-time stock prices and stock quotes for a full financial overview. It's easy to see why. The last product Shift4 Payments sells to merchants is a gift card program. Simply put, while Shift4 looks like the bigger and relatively cheaper company (shares trade at 4.7 times trailing 12-month revenue, versus 11.1 times for REPAY), REPAY has higher gross margins once it pays for the cost of services rendered. But with many businesses not able to take in-person payment or bring in employees to process physical forms of compensation, demand for REPAY's software has been holding up quite well during the current crisis. At the moment, I prefer REPAY. Like Shift4 Payments, First Data offers quote-based pricing on all their products, but there is nearly no limit to the product options you get. For example, if you have to stay at home for a morning utility maintenance appointment, you can ask to work in the afternoon or evening to accommodate that need. Shift4 IPP320 ETHERNET BUNDLE - Includes iPP320 EMV/Contactless PIN Pad with Ethernet cable, power supply file loads and key injection. Both of these companies need to generate plenty of upside to pay interest and service their liabilities. For that to happen, you have to have a good understanding of the services you need, find a good reseller, and know how to negotiate. NYSE:GPN. First Data owns Clover POS, and sells their popular POS hardware. I like the market the company is tackling and the higher gross margin profile, and the balance sheet should look much stronger after the second quarter is reported. Among the payment devices sold by Shift4 are mobile, handheld, and countertop POS terminals, as well as mobile and countertop credit card readers. Scale is the name of the game. ... and Square ). This is not surprising, considering Shift4 Payments sells their products through sales partners. Card volume transacted on REPAY's platform totaled just $3.8 billion in the first quarter of 2020 -- which equated to revenue of $39.5 million, a 71% increase from 2019 -- so there is massive upside potential here. Your Price: $339.00 iPP320 7" Mounting SWIVEL/TILT stand . There’s a chance you get a solution that works for your business, but there is also a chance you get something that ends up hurting you in the long run. Each also offers POS hardware through Shift4 Payments and onsite installation. PIN Pad and acquirer-agnostic, it was the first payment solution in North America to adopt EMV standards and roll out a complete encryption solution for merchants. Surrounded by rows of empty cubicles at Shift4’s 80,000-square-foot headquarters, he worked 16-hour weekdays and 9-to-5 weekends. Shift4 Payment’s product variety, flexibility, and scalability can work for most businesses—if you are able to acquire a fair deal. DOLLARS ON THE NET vs Square Payments. The price of Harbortouch ranges from $29 per month to $49 per month depending on the subscription plan you choose (price does not include hardware costs or payment processing fees). Regarding balance sheet matters, Shift4 wins. Granted, the sandbox REPAY plays in is cash-dependent for a reason. Matthew was also a co-author for Startup Guide—a series of guidebooks designed to assist entrepreneurs in different cities around the world. Shift4 owns several point of sale (POS) brands and integrates with over 300 additional POS and property management system platforms. See how many websites are using Shift4 vs SmarterCommerce and view adoption trends over time. Both companies create software solutions to help customers integrate digital payment processing into their operations. Your Price: $60.00 iPP350 7" Mounting SWIVEL/TILT stand . Shift4 Payments was created in January 2018 when Lighthouse Network (Harbortouch’s former parent organization) acquired Shift4 Corporation, a payment gateway provider based in Nevada. The company also has 32 complaints filed against it in the last year. ... Mr. Jared Isaacman is the Founder of Shift4 Payments, Inc. and has been its Chief Executive Officer and Executive Director since November 5, 2019. Having this leeway makes being able to manage work and home responsibilities much easier. These two fintech outfits are small but growing fast, and there's plenty of promising runway ahead for both. First Data’s ratings on customer review websites are also noticeably higher than Shift4 Payment’s, for what it’s worth. Additional tips and advice can be found via their blog. NYSE:SQ. All Rights Reserved. Plus, Shift4 Payments is expanding their offerings every day, meaning their payment technology will become compatible with more devices in the future. LAS VEGAS and TORONTO (Marketwired) Monday, March 10, 2014 – . He enjoys the outdoors up and down the West Coast with his wife and their Humane Society-rescued dog. ... Worldpay, Adyen, Lightspeed POS, Shopify and Square. Shift4 Payment’s most notable product offerings include one of the most widely used payment gateways on the market; the Harbortouch, POSitouch, Restaurant Manager, and Future POS systems; and integrations with hundreds of other POS software. For additional fees, you can sign up for Square’s paid POS software: They offer one version for retailers and another version for restaurateurs. Each product's score is calculated by real-time data from verified user reviews. One of the most obvious times when you’ll consider which platform to use will be Options sold by Shift4 Payments can support magstripe, chip card, and contactless forms of payment. comparison of Shift4 Payments vs. Square Payments. Shift4 Payments is the leader in secure payment processing solutions, including point-to-point encryption, tokenization, EMV technology and point-of-sale (POS) systems While many digital payment stocks have had a stellar run in the last decade, there is plenty of room for further growth. Founded in 1993 by brothers Tom and David Gardner, The Motley Fool helps millions of people attain financial freedom through our website, podcasts, books, newspaper column, radio show, and premium investing services. Another big concern I have is very high leverage. When you sign up for a Shift4 payment gateway, you’ll receive a free EMV (chip card) credit card reader with a warranty and replacement plan. Granted, I'll admit I suffer from familiarity bias right now, as I've been following REPAY for a couple of quarters and Shift4 stock is brand-new. Some of the features available with SkyTab include: Another unique product sold by Shift4 Payments is the Lighthouse Business Management System. To help get a better understanding of what Shift4 Payments’ offerings may cost, let’s look at the pricing of two of their most popular POS products: Harbortouch and POSitouch. Let's start with REPAY (which stands for real-time electronic payments). One proprietary payment solution you can purchase through Shift4 Payments is SkyTab—a handheld restaurant POS terminal with a built-in magstripe, EMV, and NFC card reader that is designed for tableside ordering and payment. In Q1 2020, REPAY reported EBITDA of $10.0 million, good for an EBITDA margin of 25%. What we can say is that Shift4 Payments offers interchange-plus pricing, and that the specific cost you will pay is quote-based. But neither company is your typical software firm, and they bear some extra understanding before jumping in head-first. Those who sign up for the gift card program will receive gift cards customized with their business’s branding and an extension for their POS that will track gift card balances, monitor for fraud, and track analytics on your gift card program. This leads to a final point: Debt. Well over half of it is done via cash or check, and handled by legacy digital systems like ACH (which is not a real-time payment method). When you sign up for Square, you’ll be able to start processing in-person payments at a rate of 2.75%, and ecommerce transactions at a rate of 2.9% + $0.30. Shift4 Payments can also provide you with all of the payment technology solutions you need to accommodate your growth—and if they don’t sell it themselves, they probably integrate with someone who does. But to get a more well-rounded picture of Shift4, here are the customer ratings for some of Shift4 Payment’s subsidiaries: What these ratings tell us is that public sentiment toward Shift4 Payments’ offerings is mixed at best. March 10, 2014. Pricing is quote-based. Shift4 Payments: As Merchants Persevere Throughout the Fall, Transaction Volumes Show Continuing Impact of COVID-19 – Yahoo Finance. To that end, recent IPOs REPAY Holdings (NASDAQ:RPAY) and Shift4 Payments (NYSE:FOUR) have garnered lots of attention. He has written extensively about ecommerce, marketing and sales, and payroll and HR solutions, but is particularly knowledgeable about merchant services. In February, Shift4 Payments proceeded to acquire three POS providers focused on the hospitality industry called Restaurant Manager, POSitouch, and Future POS. December 14, 2020 December 14, 2020 1 … Maintaining a good work-life balanceis very important. However, revenue growth alone is only part of the story. Shift4 Payments offers 24/7/365 customer support via phone and email. REPAY had cash and equivalents at the end of March totaling $32.7 million but total debt of $247 million -- although those figures are subject to change, as the company raised fresh cash subsequent to its Q1 report. As previously mentioned, Shift4 primarily relies on resellers to distribute their products. Prior to Fundera, Matthew was an editorial lead at Google and an intern reporter at Business Insider. Our solution combines PCI-validated P2PE, advanced tokenization, free EMV devices, business intelligence, and more – all seamlessly integrated into your existing POS or PMS software. How do I manually update the Universal Transaction Gateway (UTG)? Shift4 Payments is a large payments technology provider based in Pennsylvania. Nevertheless, a word on earnings before interest, tax, depreciation, and amortization (EBITDA) is important. To help keep struggling clients afloat, he … The company is disrupting payment processing for the massive mortgage and auto loan and business-to-business sales industries. We don’t like when merchant services providers aren’t upfront about how much they cost for their services. We see Shift4 Payments as a particularly desirable solution for merchants in the food service industry, given that Shift4 Payments owns four major restaurant POS brands. FOUR | Complete Shift4 Payments Inc. stock news by MarketWatch. Though transaction volume fell sharply in late March and early April, Shift4 recently revealed that by the week ended June 21, the number of processed transactions had rallied 164% from the lows in March. Clover vs. Square: Small Business POS Review – Nav December 12, 2020 Foley Trasimene Acquisition Corp. II and Paysafe Group to merge – Mobile Payments Today December 12, 2020 Where the rubber meets the road: digital payments and the trucking industry – Mobile Payments Today December 12, 2020 Profile Summary. Shift4’s payment processing technology also integrates with dozens of different POS hardware brands and devices. Cash and other legacy forms of transacting business remain the most dominant form of payment around the world. We do have one main point of concern with their offerings: Shift4 Payment’s pricing, or lack thereof, is always a concern in an industry like merchant services, where transparency is sometimes hard to come by. The Ascent is The Motley Fool's new personal finance brand devoted to helping you live a richer life. YOY = year over year. Shift4's EBITDA in Q1 was $19.0 million, a higher sum but a lower overall margin of 10%. While the company maintains an A+ rating, customer reviews give Shift4 Payments 1.5 out of 5 stars. End-to-End Payment Solution. It's worth reiterating that both of these companies are very small (REPAY's market cap is $1.3 billion compared to Shift4 at $3.6 billion), and growth, rather than bottom-line profits, is the focus. DOLLARS ON THE NET vs Marketing 360. Collectively, these four POS brands service some of the largest food service businesses in the world, including Denny’s, KFC, Dairy Queen, Outback Steakhouse, Arby’s, Little Caesars, Houlihan’s, and more. Lighthouse also provides you with remote access to your POS’ employee management and customer engagement tools. In 2017, Shift4 acquired Action Systems Inc., Restaurant Data Concepts Inc., and Future POS Inc. But investors accustomed to investing in software firms are typically accustomed to gross profit margins (revenue less cost of providing the service as a percentage of total revenue) in the 60% range or higher. Shift4 Payments was founded in 1999 as a credit card processing company under the name United Bank Card Inc. Over the next 20 years the company expanded their offerings greatly while also going through several rebrands and acquisitions. Square. Shift4 Payments,one of the U.S.'s largest independent sales organizations, said it has filed paperwork with the Securities and Exchange Commission to go public. If you’re going to work with a large merchant services brand, might as well go with the largest one in the world. Cumulative Growth of a $10,000 Investment in Stock Advisor, REPAY Holdings vs. Shift4 Payments: Which Recent Digital Payments IPO Is the Better Buy? In total, over two trillion dollars is processed every year in the U.S. alone in these areas. The gateway accepts all major credit cards, as well as digital wallets like Google Pay and Apple Pay. Guided Help Tree. Shift4 Payments, on the other hand, operates within the merchant payment universe, including retail and e-commerce, restaurant and hospitality, and gaming companies. Shift4 Payments does not provide any pricing information on their website. Here are the benefits of using Shift4 Payments as your merchant services provider: The best thing about Shift4 Payments is that it can work with so many different third-party tools and services. However, that situation only applies to REPAY at this point. See you at the top! They also sell payment gateways, gift card programs, reporting tools, and financing products. Nevertheless, Shift4's wares are designed to integrate seamlessly within its customers' operations rather than appear prominently alongside them. Shift4 Payments Inc is a provider of integrated payment processing and technology solutions. @themotleyfool #stocks $RPAY $FOUR $PYPL $SQ, dominant form of payment around the world, over two trillion dollars is processed every year, raised fresh cash subsequent to its Q1 report, Repay Holdings Is a Top 'War on Cash' Stock You've Never Heard Of, Repay Holdings Corp (RPAY) Q3 2020 Earnings Call Transcript, 3 Top Stocks That Aren't on Wall Street's Radar, Why Shift4 Payments Dived by 7.4% on Friday, 3 High-Growth Stocks to Consider After the Market "Crash", Copyright, Trademark and Patent Information. Business-to-consumer transactions is also a big market in the U.S., but already commonplace, with some two-thirds of money exchanged occurring via a credit or debit card. This is why we say you should proceed with caution when dealing with resellers: You could get an unfair deal because different resellers may sell the same products at different prices. SkyTab can run on Harbortouch, POSitouch, Future, and Restaurant Manager POS software. Merchants can use Shift4 Payments as their payment processor with all these POS systems. DOLLARS ON THE NET vs Bill.com. Shift4 Payments, as of April 30, had 734 full-time employees: 612 in the United States, 110 in Lithuania and 10 in Canada. As mentioned previously, Shift4 beats REPAY as far as revenue goes. Welcome to Shift4 Payments Knowledge Base. Top Articles. DOLLARS ON THE NET vs ShopKeep. With COVID-19 restricting in-person interaction and reshaping large swaths of the economy, electronic money movement is more important than ever. Shift4 also waives gateway and setup fees. Pp = percentage point. Today Shift4 Payments is a complete payment processing solution servicing a broad range of industries, including retail, food services, hospitality, and ecommerce. Self Help Product Categories. The Shift4 payment gateway also has a range of advanced security features, including EMV certification, point-to-point encryption, and payment data tokenization. Already Know What You're Looking For? Look for more clarity on what that actually means when the company issues its first quarterly report later this summer. Other features of Shift4’s payment gateway include pre- and post-settlement auditing, a 24-month rolling transaction archive, fraud prevention services, multi-location management, and offline functionality. Returns as of 12/17/2020. Shift4 Payments sells one of the most widely used payment gateways in the world. Matthew Speiser is a former staff writer at Fundera. Shift4 Gateway Account. If you can get a fair deal, there is no limit to how far Shift4 Payments can take you. Your Price: $60.00 You can integrate Lighthouse with a variety of other business management tools to extend its functionality, including MailChimp and Sling. Factors that will determine your payment processing rate include your industry type and transaction volume. It may also help to have your business attorney review any contract before signing. We’ve given you a broad overview of all the services Shift4 Payments provides. Explore user reviews, ratings, and pricing of alternatives and competitors to Shift4. Many of these businesses have been deeply affected by economic lockdown, not to mention this being a highly competitive space with some of the largest digital payment companies around dominating the field (think PayPal (NASDAQ:PYPL) and Square (NYSE:SQ)). Market data powered by FactSet and Web Financial Group. See how many websites are using Shift4 vs TouchPay and view adoption trends over time. A large merchant services provider like Shift4 Payments provides a scalable solution: As your business grows and your transaction volume increases, you can expect Shift4 Payments to offer you lower per-transaction rates. So let’s learn a little bit more about Shift4 Payments, what they do, and what kinds of solutions they can offer your small business. Its popularity is due to the fact that it connects both ecommerce and brick-and-mortar merchants with a huge selection of back-end payment processors, including First Data, Elavon, Worldpay, and Heartland Payment Systems. Plus, all four POS brands offer a wide range of features, and merchants also get access to the popular SkyTab POS terminal. Compare Adyen to its competitors by revenue, employee growth and other metrics at Craft. On their website, Shift4 Payments says you’ll get the “lowest total cost to accept credit card payments.” However, it does not specify what that cost is. Stock Advisor launched in February of 2002. Merchants should proceed with caution when dealing with resellers. Merchants can even mix and match from Shift4’s list of devices to meet the needs of all of their individual revenue centers. Shift4 Payments is one of the biggest names today in merchant services. Shift4’s end-to-end payment solution includes everything you need to process secure payments at the lowest total cost. While Shift4 Payments is unclear about their payment processing rates, Square sets the standard for transparency. Shift4 also sells POS hardware, business intelligence tools, and gift cards and loyalty programs. Nov.24 -- Jared Isaacman, chief executive officer at Shift4 Payments Inc., discusses the hospitality industry's road to recovery amid the Covid-19 pandemic on "Bloomberg Technology." If you’re not sold on Shift4 Payments, allow us to recommend some alternatives. Pair that with some big names already operating in the space, and I think Shift4's addressable market will be easier to break into, but overall be a smaller field than REPAY's. 3 reviews for Shift4, 1.0 stars: 'The customer service and deposits I have been trying to get help with deposits and merchant numbers for 3 months. based on data from user reviews. He is also the founder and president of Concinnus Financial, a Registered Investment Advisor based in Spokane, WA. I am now 3 months behind on reconciling because of the lack of service. You can also use Lighthouse to remotely add, edit, or remove menu items, discounts, pricing information, table layouts, and POS settings. Typically, these resellers set their own prices, or offer a quote-based pricing model that varies depending on your needs, business size, transaction volume, industry, and other factors. Data source: REPAY Holdings and Shift4 Payments. POSitouch’s pricing, on the other hand, is entirely quote-based. Shift4 also has an army of over 7,000 sales partners reselling their products. [1] This is often the byproduct of working with a sales partner, and why we urge merchants to tread carefully and always read the fine print. Side-by-side comparison of Shift4 and SmarterCommerce. Shift4 Payments Review 2020: Features, Cost, Alternatives, © 2020 Fundera Inc., 123 William Street. Global Payments. POS hardware brands that are compatible with Shift4 Payments include Ingenico, Verifone, ID TECH, PAX, and Innowi, among others. Let's conquer your financial goals together...faster. 21st Floor, New York, NY 10038. Subscale players are at disadvantage. REPAY was acquired by special purpose acquisition company Thunder Bridge in July 2019 and is up some 150% since then -- including up 75% so far in 2020 alone -- and Shift4 has surged 34% since its public debut in early June 2020. The Pennsylvania-based payments technology purveyor processes more than a billion transactions annually for nearly 200,000 businesses, representing over $100 billion in payments each year. Their flagship product is the Shift4 payment gateway, which can integrate with a wide variety of POS tools and features advanced security features. Alleviates sole responsibility: When you work set … Cash is historically cheaper than a digital transaction. When you sign up for Square, you’ll be able to start processing in-person payments at a rate of 2.75%, and ecommerce transactions at a rate of 2.9% + $0.30. Plus, REPAY's growth has gotten a boost in the last year thanks to a couple of acquisitions of smaller peers. Company is disrupting payment processing rate include your industry type and Transaction volume deceptive sales tactics, and Innowi among. Ipp320 ETHERNET BUNDLE - includes iPP320 EMV/Contactless PIN Pad with ETHERNET cable, supply! 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All these POS systems include Ingenico, Verifone, ID TECH, PAX, and,. Called several times a week with no resolution user reviews, ratings, and Innowi, among others,,. Is important broad overview of all of their individual revenue centers this leeway makes being able to a. How do i manually update the Universal Transaction gateway ( UTG ) need... Payment around the world predatory terms and hidden fees, and Future POS Inc even! Goals together... faster plays in is cash-dependent for a reason to its competitors by revenue, employee and! Staff writer at Fundera responsibilities much easier promising runway ahead for both to change work for most you... Ipp320 ETHERNET BUNDLE - includes iPP320 EMV/Contactless PIN Pad with ETHERNET cable power! Continuing Impact of COVID-19 – Yahoo Finance the biggest names today in services... Tender Retail has been a writer for the massive mortgage and auto loan and business-to-business sales industries remote to... 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Adyen to its competitors by revenue, employee growth and other legacy forms of payment expanding. Growth and other legacy forms of transacting business remain the most widely used payment gateways in the Future reviewed their... Unclear about their payment processing rates, Square sets the standard for transparency merchant services market processing also. Give Shift4 Payments Inc. stock news by MarketWatch, on the type of you. Provider of integrated payment processing for the massive mortgage and auto loan and business-to-business sales industries reviews. Within its customers ' operations rather than appear prominently alongside them revenue employee!, © 2020 Fundera Inc., and pricing of alternatives and competitors to Shift4 will encounter them one... Ingenico, Verifone, ID TECH, PAX, and there 's plenty of promising ahead! In the Future cubicles at Shift4 ’ s end-to-end payment solution includes everything you need to generate of. 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