360 Payments review

360 Payments processes business payments and combines them with tools for collecting money, financing purchases and connecting payments to business software. Its offer includes Text to Pay, which lets a business send an invoice by text for a customer to pay on a smartphone, plus mobile payment options for accepting payments away from a fixed checkout.

The company also offers consumer financing, described as options tailored to any credit rating, and business capital for eligible businesses. The stated cash-advance range is $500 to $300,000. 360 Payments says it integrates with leading business management software, but the published information does not name the products or say how many integrations are available.

Pricing is custom and quote-based. The available pricing information says monthly and annual rates are not published, so businesses comparing processors will need a quote before they can assess cost.

The clearest case for considering 360 Payments is a business that wants payment collection tied to its existing workflow. Text to Pay gives customers a way to pay an invoice from a smartphone, while mobile payments are intended for taking payments away from a fixed location. Those features may suit businesses that invoice customers or collect payment in person, though the published information does not detail supported devices or payment methods.

Software integrations are another potential draw. 360 Payments says it connects with leading business management software, which could reduce the need to handle payment records separately. The key question before switching is whether it supports the specific system the business already uses; no integration names or setup details are provided here.

The financing options broaden the offer beyond card processing. Consumer financing is described as tailored to any credit rating, and eligible businesses can seek cash advances from $500 to $300,000. The company also advertises help from real people for payment issues. We would treat these as reasons to request a tailored quote and terms, not proof that financing will be available or cheaper for every business.

Price transparency is the main drawback for comparison shopping. The available pricing information is marked low confidence and says rates are custom, with no monthly or annual prices published. It also lists no free plan; trial availability is not published. Without a quote, businesses cannot compare 360 Payments’ costs with another processor from the published information. Ask for processing rates, recurring fees, contract terms and any cancellation costs in writing; those details are not provided here.

Other important limits are also unspecified. The materials do not state transaction or volume caps, supported payment methods, the number of software integrations, or which business management products connect. The $500–$300,000 capital range applies to eligible businesses, but eligibility rules, fees and repayment terms are not given. Consumer financing is described as tailored to any credit rating, yet approval criteria and customer costs are not specified.

The Reddit discussion published is a question about choosing a processor with Mitchell 1, not a user report about 360 Payments. It offers no evidence on reliability or support quality. Get product-specific answers before treating the integration or service claims as a fit.

360 Payments lists no public monthly or annual rates. The pricing information available describes one Custom option, sold by quote for businesses that need tailored payment pricing. There are no published plan prices to compare, so there is no documented jump between tiers. The quote amount is not disclosed.

The available pricing details also do not specify add-on prices, contract length, transaction fees, setup charges, or whether rates vary by payment method or software integration. That does not mean those costs do not apply; ask for them in writing. The details list no free plan, and a free trial is not specified.

Before comparing 360 Payments with another processor, request a full fee schedule and ask which services are included in the quote. In particular, get costs for text payments, mobile payments, financing, and any integrations you need. Without those figures, we can’t calculate a meaningful total cost or say whether the offer is cheaper than another provider.

The available product information lists text payments, mobile payments, financing, and integrations with business management software, but it does not explain how migration works. It also does not document data export, contract terms, cancellation fees, or what happens to payment records if you leave. Treat those as questions for sales, not as included capabilities.

Before switching, ask which customer, invoice, and payment data can be imported, what can be exported later, and whether your existing software integration will carry over. Confirm who handles setup and whether there are fees or service interruptions during the change. The published material does not give enough detail to estimate migration effort or assess lock-in.

We also don’t have Reddit posts or comments in the published material, so we can’t report what tends to make customers leave. The product brief flags limited user-review coverage as a drawback. Get the migration and exit terms in writing before committing.