Agree with our rating?
Leave a comment below
1st American Card Service Review: Fees, Complaints & Lawsuits
Agree with our rating?
1st American Card Service is a merchant account provider that was established in 1986. The company is a reseller of Paysafe (formerly iPayment) and appears to also operate under the name of AcceptCards.org. However, the company advertises interchange-plus rates that vary from the standard pricing of Paysafe. 1st American Card Service is a registered and authorized ISO for Visa and MSP for MasterCard and is sponsored by Westamerica Bancorporation as its Acquiring Bank.
As of 2020 1st American Card Service’s Better Business Bureau profile no longer lists a website, and the original URL 1stAmericanCardService.com now forwards to acceptcards.org. This seems to indicate a scaling down of the brand overall or a renaming to the Accept Cards name. The Accept Cards website does link back to the original 1st American Card Services BBB profile.
UPDATE:1st American Card Service appears to have gone out of business altogether or is no longer operating a web presence. If you have any information regarding the company’s operational status, please leave it in the comment section below.
Based in California
1st American Card Service could potentially be confused with First American Payment Systems in search results, but merchants should note that the 2 companies are unrelated. 1st American Card Service is located at 27890 Clinton Keith Rd Ste D492, Murrieta, CA 92562-8571. Brian Roemmele is the CEO of 1st American Card Service.
1st American Card Service Review Table of Contents
- Costs & Contract: 1st American Card Service offers interchange-plus pricing through a month-to-month contract with no early termination fee and its own proprietary virtual terminal service.
- Complaints & Service: 1st American Card Service has received more than 10 public complaints.
- BBB Rating: 1st American Card Service has an “A+” with the Better Business Bureau and has received 0 complaints and 1 review in the past 3 years.
- Sales & Marketing: 1st American Card Service does not appear to hire independent sales representatives and has not received any merchant complaints about its sales practices.
1st American Card Service Customer Reviews
Here's What Their Clients Say
|Total Online Complaints||10+|
|Live Customer Support||Yes|
|Most Common Complaint||Customer Service|
Questionable Complaint Credibility
While no rebuttals to these issues have been put forward by a representative, many customer comments hint at the possibility that some of these complaints were written by competitors (or just a single merchant) because identical posts with varying names were found. Therefore, the credibility of some of the complaints may be questionable. Regardless of their validity, given the number of complaints within the past three years surrounding customer service, we are compelled to award 1st American Card Service a “B” in this category.
Customer Service Issues
Approximately 10 negative 1st American Card Service reviews were found on this and other non-BBB consumer protection websites, most of which cited equipment problems, hidden fees, suspended transactions, or a lack of quality customer service.
1st American Card Service Lawsuits
We have not found any outstanding class-action lawsuits or FTC complaints filed against 1st American Card Service. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
1st American Card Service Customer Service Options
1st American Card Service’s website provides email support and an automated service ticket form for lower and higher priority problems. The lack of 24-hour telephone support as an option results in slow customer service response times, making 1st American Card Service’s support options insufficient to qualify it as a top-rated merchant account provider for customer service.
1st American Card Service Online Ratings
Here's How They Rate Online
|Product & Service Complaints||0|
|Billing & Collection Complaints||0|
|Advertising & Sales Complaints||0|
|Guarantee & Warranty Complaints||0|
Loss of BBB Accreditation
1st American Card Service is currently showing an “A+” rating with the BBB and has received 0 complaints in the last 36 months. They were formerly accredited but no longer are.
What Merchants Say
1st American Card Services has also received 1 informal review. The review was negative and detailed difficulties with customer service:
If I could give less than 1 star I would. They can’t even return a call to make me a customer. Can’t image how bad it would be if I actually acquired their products or services. My advice? Just keep on talking to other card service companies.
Merchants who have had difficulty resolving issues with their accounts can benefit from asking reviewing their options for providers with a reputation for excellent customer service.
An “A” Overall
Given the company’s low complaint total, we agree with the BBB’s rating at this time but urge merchants to be skeptical of the BBB’s reviews.
1st American Card Service Fees, Rates & Costs
A Closer Look at The Contract
|Swiped Rate||Interchange + 0.20% + $0.11|
|Keyed-in Rate||Interchange + 0.20% + $0.11|
|Virtual Terminal Rate||Interchange + 0.20% + $0.11|
|Payment Gateway Fee||Undisclosed|
|Early Termination Fee||$0|
|PCI Compliance Fee||$36 Per Year|
|Equipment Cost||48 Month (locked)|
Competitive Rates with Interchange-Plus
1st American Card Service’s emphasis on the Interchange-plus rate structure ensures that most merchants will receive the most competitive rate structure available. The company charges interchange plus 0.20% plus $0.11. This merchant services company also claims to have no contract term length in its standard contract, which could make it competitive with even the cheapest merchant account providers.
Virtual Terminal and Payment Gateway Pricing
In addition to its storefront payment processing services, 1st American Card Service also dedicates a portion of its website to advertising its proprietary virtual terminal and payment gateway services, called Virtual Weblink. The service is designed to allow merchants to embed a hyperlink onto their websites which will allow users to complete transactions through a system run by 1st American Card Service. The portion of the company’s website dedicated to this service advertises their rate of interchange plus 0.20% plus $0.11. It is unclear if additional rates and fees, such as gateway fees, technical support fees, or batch fees, apply to this e-commerce service.
No Undisclosed Fees
According to the company, merchant agreements run on a month-to-month basis without any early termination fee. 1st American Card Services also advertises that it does not charge application fees, a monthly minimum fee, an annual fee, or other hidden fees. The company does advertise First Data (now Fiserv) under the equipment section of its website. This may mean that merchants leasing equipment through 1st American Card Service may be subject to 48-month, non-cancelable lease agreements through First Data Global Leasing. Though the company itself does not impose long-term contracts onto merchants, lease agreements for equipment are separate contracts, independent of the merchant account provider.
1st American Card Service Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Employs Independent Resellers||No|
|Advertises Deceptive Rates||No|
|Discloses All Important Terms||No|
In-House Sales Team
1st American does not appear to utilize independent sales agents or use any deceptive advertising to market its services. There is one complaint beneath this review that cites excessive phone calls from the company, but this appears to have been an isolated incident, as other complaints highlight the difficulty of getting in touch with company representatives.
The company’s home page prominently advertises Interchange-plus, the most transparent rate structure available. The rate quoted on the company’s website is its markup above interchange, which, as of this update, is listed as 0.20% + $0.11. The “learn more” link beneath this rate quote clearly outlines the terms and advantages of Interchange-plus pricing.
Copyright © 2023 CardPaymentOptions.com, Inc. (Digital Fingerprint: 0d38c6720f0d78a701b74d58653af608). Getting paid to re-write this page? Click here to earn a reward.
Any unauthorized copying and reproduction of the content of this page, including all meta data and computer code, is strictly prohibited. While the information in the above article is believed to be accurate as of its publish date, the author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is,” and without warranties. Any and all use of trade names and/or marks are for identification purposes only and shall not be construed as a claim of affiliation, or otherwise, with CardPaymentOptions.com, Inc. ("CPO") in any form. The sole purpose of the material presented herein is to alert, educate, and inform readers. It is not intended as legal or financial advice. We may earn revenue if you obtain services from a provider that we recommend. See this page to learn how we support our operations.