Omega Bank Card Services 2023: Reviews & Complaints”

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5
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How did they treat you? ▼

Company Overview

Omega Bank Card, also known as Omega Financial Solutions, is a merchant account provider that offers flat fee processing. The company is based in Birmingham, Alabama with 2 additional offices in Georgia. The company is a reseller of First Data (now Fiserv) and Clearent. Omega Bank Card Services should not be confused with Omega Processing, a Kentucky-based merchant services provider that has no affiliation with the company profiled in this review.

Omega Bank Card Payment Processing

Omega Bank Card processes all major debit and credit cards for most business types. Their services include POS systems from OVII and Clover, EMV card readers and swipers, mobile and wireless payments, access to a payment gateway, online ordering for restaurants, crypto payments, business loans, check guarantee services, gift and loyalty programs, and ATMs.

Location & Ownership

Omega Bank Card is a registered ISO/MSP of Wells Fargo Bank, N.A., Concord, California, and is headquartered at 5604 Wendy Bagwell Pkwy STE 213, Hiram, GA 30141. David Elkins and Keehn Berry are listed as owners of Omega Bank Card.

Omega Bank Card Services Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A
Recent Lawsuits No

Clean Complaint Record

We are currently unable to locate even one negative Omega Bank Card Services review, which indicates that the company is not a ripoff or a scam. If you have your own Omega Bank Card Services review to make, please do so in the comment section below.

Omega Bank Card Services Lawsuits and Fines

We have not found any outstanding class-action lawsuits or FTC complaints filed against Omega Bank Card Services. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Omega Bank Card Services Customer Support Options

The company’s website states that all Omega clients have access to 24/7 customer support, so the company most likely outsources its customer service to First Data (Fiserv). Because of this, it’s possible that some complaints intended for Omega Bank Card are instead filed against First Data (Fiserv). In the absence of any evidence that this is occurring, however, we will award Omega Bank Card an “A” in this category. The company’s support options and performance stack up well compared to top payment processors for customer service.

Omega Bank Card Services Customer Service Numbers

  • (770) 766-4928 – General Support
  • (770) 222-8510 – Hiram Office
  • (912) 826-0721 – Rincon Office
  • (205) 914-1950 – Birmingham (Hoover) Office

Other Support Options

Omega Bank Card Services Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Reports 0

No BBB Complaints

Omega Bank Card (listed under the name “Omega BankCard Services”) currently maintains an “A+” rating with the Better Business Bureau and has been accredited since 2004. The company has had 0 complaints filed against it in the last 36 months. It has also not received any informal reviews, although it should be noted that these reviews are not always subject to verification by the BBB.

An “A” Performance Overall

In light of this information, we agree with the BBB’s rating. Readers should note, however, that there are reasons to view the BBB’s information with skepticism.

Omega Bank Card Services Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties No
Monthly & Annual Fees Yes
Processing Rates Interchange-Plus
Equipment Leasing Yes

Omega Bank Card Pricing

According to an Omega Bank Card representative,  the Omega Bank Card Merchant Application, and the Omega Bank Card Program Guide, Omega’s standard rates and contract involve a three-year term through First Data (Fiserv) with interchange-plus pricing, no annual fees, a $7.50 monthly regulatory fee that includes PCI compliance, and a monthly minimum fee of $10. The company does not charge an early termination fee unless it places equipment with a merchant, but the merchant will not pay this $199 fee as long as the equipment is returned to Omega Bank Card within 30 days. The company also offers terminal rental for $9.95 per month.

Flat Fee Pricing

As described below, Omega Bank Card also offers a cash discount program that adds a surcharge to customers’ non-cash purchases to offset the client’s per-transaction Omega Bank Card Services fees. This plan costs a flat $35 per month and likely includes one-time and incidental fees, but its main selling point is the elimination of per-transaction fees.

Virtual Terminal and Payment Gateway Pricing

The Omega Bank Card Services website references a virtual terminal and payment gateway through Payeezy, powered by First Data (Fiserv). Payeezy offers 2 separate plans, the Basic Plan and Pro Plan. Neither plan charges setup fees, statement fees, or gateway fees. The Basic Plan charges a rate of 2.90% plus $0.30. Meanwhile, the Pro Plan offers a lower rate of 1.89% plus $0.23 and a monthly fee of $19.95. The company’s merchant agreement also indicates that businesses can also defer to a third-party online gateway for e-commerce transactions.

No Contract Complaints

These pricing plans compare favorably to industry averages, and the company is accordingly showing zero complaints regarding its pricing and fees at this time. Business owners are encouraged to read their merchant agreements carefully and to compare Omega’s rates to the cheapest merchant accounts to ensure that they are receiving the best possible pricing.

We also encourage readers to check out our list of the providers of the best merchant accounts.

Omega Bank Card Services Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers Yes
Telemarketing Likely
Misleading Marketing No
Discloses All Important Terms No

No Sales Complaints

Omega Bank Card Services appears to utilize a team of independent sales agents and in-house appointment setters to market its services. Independent sales agents are often a cause for complaint within the credit card processing industry due to the minimal training and oversight they can receive. In this case, though, we are currently unable to locate any Omega Bank Card reviews that accuse the company’s sales team of deceptive practices.

This compares favorably to our list of best credit card processors.

Transparent Pricing

Omega Bank Card has recently added a couple of new pricing plans on its website. The first is its “Limitless” program, which is a cash discount program that costs a flat $35 per month but reimburses clients for their per-transaction fees via surcharges. The second plan is an interchange-plus plan that appears to charge different markups on different card types. This plan appears to revolve around a transparent interchange-plus markup, and Omega Bank Card provides a helpful table that prominently lists all relevant rates.

No Red Flags

In light of these plainly disclosed plans and the lack of Omega Bank Card Services complaints, we are assigning the company an “A” rating in this category. Omega is charging you undisclosed fees, however, we recommend seeking an independent statement audit to spot hidden charges.

Our Omega Bank Card Services Review Summary

Our Final Thoughts

Omega Bank Card Services rates as a reliable credit card processing provider according to all available information. The company is showing 0 complaints and does not appear to engage in deceptive sales tactics. In addition, its contract terms are very competitive when compared to industry averages. Even when dealing with highly rated providers, readers are encouraged to carefully read all paperwork before signing and to compare rates to the top overall credit card processors.

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Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did Omega Bank Card Services Treat You?

4 User Reviews

  • Bill Kreiser

    I’m the IT Manager Courtesy Automotive Group in Conyers, GA. I don’t write many reviews because i’m not normally impressed. But we purchased and installed 14 credit card reader from Omega Card Services. Laura Green was my consultant for the installation and training. Together we removed all the old units, and 14 units Omega were installed in 6 hours, including training! Laura was professional, knowledgeable, courteous, and a pleasure to work with. Good job Laura, you made Omega look good!

  • LARRY E TONDEE

    After many years in business, I have finally found the perfect Card solution for my business, It was not until my frustrations and patience with my past card program and their personnel ran thin that I knew a change was needed. Fortunately, your associate, Laura Green, just happened to make a Cold Call to my business. She was knowledgeable and meet all of my business needs. Thank you, Ms. Green and Omega Bank Card Services for meeting my needs.

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