360 Payments review
Payment processing under review
Our full editorial review of 360 Payments is in progress — scores shown are preliminary.
- Pricing
- 4.1
- Features
- 2.9
- Ease of use
- 3.8
- Customer support
- 4.2
- User reviews
- 4.1
Key takeaways
- Advertised headline rate: 3.07%.
- Full editorial review in progress.
- Merchant statement verification pending.
Quick facts
360 Payments pricing at a glance — full fee table on the fees page.
- Pricing model
- Flat rate
- Headline rate
- 3.07% + $0.10
- Monthly fee
- None
- Contract
- Varies
- Payouts
- 1-2 business days
- Hardware
- Varies
The fact check
What they advertise versus what the evidence — real merchant statements and rate reports — shows.
Headline processing rate
Not yet verifiedWhat they advertise
3.07% + $0.10
What the evidence shows
3.18% blended, across 32 rate observations (verification in progress)
We publish a verdict on rate claims only once verified merchant statements back the blended figure — collection for this provider is in progress.
Monthly cost
Checks outWhat they advertise
No monthly fee
What the evidence shows
No recurring fees on the published entry plan — statement verification in progress
Optional paid tiers exist, but the entry plan is genuinely free of recurring fees.
Payout speed
Checks outWhat they advertise
1-2 business days
What the evidence shows
Advertised schedule — merchant verification in progress
Delays cluster around risk reviews and holds rather than the normal settlement schedule.
Contract terms
Gap foundWhat they advertise
Varies
What the evidence shows
Published terms carry a commitment; read before signing
Termination clauses are where the disputes we see start — negotiate the term before signing, not after.
360 Payments merchants pay 3.18% on average. What are you paying?
Upload or forward one statement and we benchmark every fee line against merchants like you — free, no card required.
Get your free rate reportRates by business size
The same provider is a different deal at different volumes. Blended effective rates observed by segment.
Smallunder $10k/mo
~3.24%
Flat pricing shines at this size: predictable and no monthly commitments.
Growing$10k - $50k/mo
~3.15%
The crossover zone: interchange-plus alternatives start beating this rate.
Establishedover $50k/mo
~3.1%
At this volume, flat-rate pricing typically costs 30-60 bps over negotiated interchange-plus.
What the web says
Ratings aggregated from review platforms and independent critics — so you don't have to open ten tabs.
The Parity review
Five categories, individually scored. Weighted together they form the Parity Score.
Pricing
4.1
Preliminary pricing assessment from published rate cards.
360 Payments publishes a headline rate of 3.07%. We are still collecting merchant statements to verify what businesses actually pay — check back as our dataset grows.
Features
2.9
Feature coverage still being catalogued.
Our analysts are still cataloguing 360 Payments's full feature set. The score above is preliminary, based on published materials.
Ease of use
3.8
Onboarding experience under evaluation.
Early signals on 360 Payments's onboarding and day-to-day usability, pending our full hands-on evaluation.
Customer support
4.2
Support channels under evaluation.
Support channel quality for 360 Payments is being evaluated from merchant interviews and public reviews.
User reviews
4.1
Aggregating ratings from across the web.
We aggregate ratings for 360 Payments from Trustpilot, Google, Capterra, and G2 as they become available.
Pros & cons
Pros
- Published rate card on file
Cons
- Limited verified merchant data so far
Who it's for
360 Payments is a strong fit for
- Check back soon for our segment recommendations
Look elsewhere if
- Segment guidance is being finalized for this provider.
Timeline
Pricing changes, launches, and incidents our watchers picked up.
- Update
Attending Shop Hackers 2026? Find 360 Payments at Booth #43
360 Payments will be exhibiting at Booth #43 during the Shop Hackers 2026 event.
- Launch
How 360 Payments Reduces Chargebacks with Built-In Fraud Protection
360 Payments highlights its built-in fraud protection features designed to minimize chargebacks for merchants.
- Update
3 Trends Reshaping Auto Repair: What Smart Shop Owners Are Doing Now
360 Payments published an educational article on how integrated payment solutions help auto repair shops manage industry trends.
- Update
Is Your Shop Using Consumer Financing to Simply Close ROs… or Grow Them?
360 Payments provides guidance on utilizing consumer financing tools to increase average repair order values.
- Update
Tire and Wheel Fraud Is on the Rise: How to Protect Your Shop from Chargebacks
360 Payments offers best practices for tire shops to identify fraud red flags and prevent chargebacks.
- Update
When Automotive Shops Outgrow Their First Payment Processor
360 Payments shared educational content outlining the indicators that an automotive shop may need to upgrade their payment processor.
Alternatives to 360 Payments
Helcim85
Better if: Merchants above ~$10k/month who want interchange-plus without negotiating
Square81
Better if: New businesses taking their first card payment
Shopify79
Better if: Online-first brands of any size
Not sure which fits your business? Your statement tells us in two minutes — get your free rate report.
Frequently asked questions
Is 360 Payments a good payment processor?
We are still completing our full review of 360 Payments. The preliminary score combines published pricing with early rating aggregates; the verified statement data that anchors our fact-check section is being collected.
What rate do 360 Payments merchants actually pay?
360 Payments advertises 3.07% + $0.10 as its headline rate. Across the rate observations we have collected so far, the blended effective rate — everything paid divided by everything processed — typically lands around 3.18%.
How does Parity score 360 Payments?
We rate five categories — pricing (35%), features (25%), ease of use (20%), support (10%), and user reviews (10%) — and combine them into the Parity Score. Ratings are based on published pricing, real merchant statements, hands-on evaluation, and aggregated reviews. No provider can pay for a rating.
Is this a paid or sponsored review?
No. Parity reviews are editorially independent. 360 Payments did not pay for placement, cannot buy a score, and did not review this page before publication. When we earn a referral fee it never affects rankings — the fact-check methodology is the same either way.
How we review
Parity reviews are editorially independent. No provider can pay for a rating, sponsor a review, or see it before publication. When we earn a referral fee, it never affects scores or rankings.
The Parity Score weights five categories: pricing (35%), features (25%), ease of use (20%), customer support (10%), user reviews (10%). Category ratings come from published pricing, real merchant statements, hands-on evaluation, and ratings aggregated from review platforms and independent critics.
The fact-check section is what makes this review different: we benchmark advertised claims against 2,092 data points — merchant statements, observed rates, and published rate cards — and publish where the claims hold and where they do not. Last reviewed 2026-08-07.