Card Concepts Reviews & Complaints
A Global Payments Reseller
Card Concepts Merchant Services is a merchant account provider that was established in 2009. Card Concepts appears to be an independent reseller of Global Payments contracts. It should be noted that the company may easily be confused with Card Concepts, Inc., a vended laundry payment solutions company, but the two entities are entirely unrelated.
Card Concepts Merchant Services Payment Processing
Card Concepts Merchant Services processes all major debit and credit cards for most business types. Their services include POS solutions from Elev8POS, e-commerce solutions, mobile solutions, gift and loyalty programs, check processing, and ATM services.
Card Concepts Merchant Services Location & Ownership
The company’s corporate address is located at 711 Deerwood Ave., Suite A, Neenah, Wisconsin 54956, and Card Concepts is a registered ISO/MSP of Wells Fargo Bank, N.A., Concord, California. Travis Rogers is the president of Card Concepts Merchant Services.
Card Concepts Customer Reviews
Here's What Their Clients Say
Total Online Complaints | <10 |
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Live Customer Support | Yes |
Most Common Complaint | N/A |
Low Complaint Total
Our current search finds just one negative Card Concepts Merchant Services review, where the company is not described as a scam. The complaint raised issues about subpar sales representation and challenges in contacting customer service to address these concerns. This seems to be a singular occurrence. We invite you to share your Card Concepts experiences in the comments below.
Card Concepts Lawsuits
No class-action lawsuits or FTC complaints have been reported against Card Concepts. Merchants looking for non-litigious solutions with the company might find it beneficial to report their concerns to supervisory organizations.
Card Concepts Service Options
Card Concepts may outsource its customer service to Global Payments, potentially directing most complaints to the larger entity. On their website, they provide a contact form and a customer service phone line, operational from Monday to Friday, 8:30 am to 4:30 pm. The available customer service contact is:
(877) 705-1515 – Toll-Free General Customer Service
While Card Concepts doesn’t have a specific email support address, they do offer a support form on their website.
Despite not ranking as a top credit card processor for customer service, the overall scarcity of complaints leads us to assign an “A” rating in this category.
Card Concepts Online Ratings
Here's How They Rate Online
Total Complaints | 0 |
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Resolved Complaints | 0 |
No BBB Complaints
Card Concepts Merchant Services is not an accredited business of the Better Business Bureau and presently has an “A+” rating. The complaint section of its profile shows 0 complaints in the last 36 months. The BBB cites the company’s time in business as a major factor improving its grade.
An “A” Performance
Given the company’s clean complaint record and good standing with the BBB, we agree with the BBB’s rating. Merchants should note, however, that there are good reasons to be skeptical of the BBB’s rating system.
Card Concepts Fees, Rates & Costs
A Closer Look at The Contract
Swiped Rate | 1.00% - 4.99% |
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Keyed-in Rate | 1.00% - 4.99% |
Virtual Terminal Rate | 1.00% - 4.99% |
Payment Gateway Fee | Undisclosed |
Early Termination Fee | $500 or Liquidated Damages |
Annual Maintenance Fee | $299 |
Equipment Lease Terms | 48 Month (locked) |
Variable Contract Terms
Currently, there are no complaints available regarding the standard Card Concepts contract, resulting in limited information about it. Instead of listing rates on its website, Card Concepts encourages merchants to contact them for personalized rate quotes.
Card Concepts appears to resell the services of Global Payments, suggesting that its contract terms may mirror those of Global Payments. Global Payments offers a range of processing rates tailored to a merchant’s business type, size, and tenure.
For this review, we reference Global Payments fees to provide an estimate of what merchants might encounter with Card Concepts. A typical contract with Global Payments includes an early termination fee of $500 per location or Liquidated Damages, whichever is greater, alongside a non-cancelable 48-month equipment lease. Merchant feedback has also highlighted additional charges such as a $299 annual maintenance fee, account holds, and challenges in closing accounts.
Virtual Terminal and Payment Gateway Pricing
Aside from its in-store payment processing services, Card Concepts offers virtual terminal and payment gateway services on its website. However, specific pricing for these services is not provided. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates, typically apply to e-commerce services.
Share Your Insights
To ensure merchants secure the best rates, we suggest considering options from the cheapest merchant accounts. If you possess knowledge about Card Concepts’ standard contract, including any early termination fees or monthly minimum fees, feel free to share that information in the comment section below.
Card Concepts Employee Reviews & Sales Tacitcs
Should You Work For Them?
Employs Independent Resellers | Yes |
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Advertises Deceptive Rates | No |
Discloses All Important Terms | No |
Independent Sales Team
Card Concepts appears to primarily market its services through its website and through independent sales offices. Despite its use of resellers, there is only one public Card Concepts review at this time that mentions inept and misleading sales tactics by a company representative. If you suspect that Card Concepts is charging you undisclosed fees, we recommend seeking a free third-party statement audit to find and eliminate hidden costs.
No Deceptive Advertising
To its credit, the company does not appear to engage in deceptive advertising tactics in its official materials. If you have had any experience with the Card Concepts sales force, please describe that communication in the comment section below.
Our Card Concepts Review Summary
Our Final Thoughts
Solid Option for Most Standard-Risk Merchants
Card Concepts Merchant Services rates as a reliable merchant services provider. The credit card processor is showing only one complaint on other consumer protection websites, and although little is known about its contract terms at this time, we did not find any information that suggests that the company is a scam. Merchants who sign up with Card Concepts can probably expect the same contract terms and customer service that Global Payments provides. Merchants should still inquire about all possible terms before signing up for service, and compare Card Concepts’ opportunities to those offered by top-rated payment processors.
If you found this article helpful, please share it!
Peter Jessie
Card Concepts has been a game-changer for my business! Their payment processing solutions are top-notch and have significantly streamlined our operations. From the moment we partnered with them, the whole experience has been seamless.
The range of services they offer is impressive, catering to our specific needs and industry requirements effortlessly. The team’s expertise and support are unparalleled; they’re always just a call away to assist with any questions or concerns.
With Card Concepts, our transactions have become faster, more secure, and reliable. I especially appreciate the user-friendly interface, which has made training our staff a breeze. Our customers also appreciate the convenience and ease of making payments.
I wholeheartedly recommend Card Concepts to any business seeking a trustworthy payment processing partner. Their professionalism and approachability make them stand out from the competition. We couldn’t be happier with their services!
Travis Rogers
Thank you!! That means a lot to us and we thank you for your business.