4D Solutions Review
UPDATE 3/1/2019: The 4D Solutions website is currently inactive and appears to have been inactive since September 2016. We are unable to determine whether the company has been rebranded or shuttered, but we will cease updating this review until we obtain some proof that it is still in business. If you have any knowledge of 4D Solutions’s current status, please share it in the comment section below this review.
4D Solutions, LLC (4dsolutionsllc.com) is an Auburn, Washington-based merchant account provider that specializes in providing credit card processing solutions for cannabis merchants. Founded in 2015, the company claims to offer marijuana dispensaries the ability to accept credit card payments on-site and receive those payments via an automated transfer to their FDIC-insured bank accounts. 4D Solutions states that it has worked with the Department of Justice, the Financial Crimes Enforcement Network, the Internal Revenue Service, and domestic banks to offer a legal MCC (Merchant Category Code) specifically designed for cannabis vendors. This would make 4D Solutions the only company we’ve reviewed that can provide such a service without a semi-legal loophole or workaround. Bill Quinn is the registered agent for 4D Solutions, which is headquartered at 5629 Lakeland Hills Way Se, Auburn, Washington 98092.
4D Solutions Customer Reviews
Here's What Their Clients Say
|Total Online Complaints||<10|
|Live Customer Support||Unknown|
|Most Common Complaint||N/A|
We are currently unable to locate any negative 4D Solutions reviews, and there is no evidence to suggest that the company is a scam or a ripoff. 4D has existed for less than a year, so it has not had a lot of time to accumulate complaints. Having said that, it reflects positively on the company that it has not received any public complaints while offering a relatively untested product. 4D Solutions does not elaborate on how exactly it has created its legal marijuana credit card processing option, but it does not appear to be outright deceiving merchants at this time. The company offers phone and email contact information on its website, which may or may not be dedicated to customer support.
4D Solutions Online Ratings
Here's How They Rate Online
The Better Business Bureau does not maintain a profile for 4D Solutions at this time. We therefore will not factor a BBB rating into this review.
4D Solutions Fees, Rates & Costs
A Closer Look at The Contract
|Early Termination Fee||Variable|
|PCI Compliance Fee||Variable|
|Equipment Lease Terms||Variable|
There is very little publicly available information about the standard 4D Solutions contract at this time. The company does not disclose the details of its pricing or merchant agreement on its website, and there is no merchant feedback that cites specific rates or fees charged by the company. It is probable that 4D’s rates are much higher than industry averages due to the fact that it offers a specialty solution for a high risk sector. In addition to high per-transaction rates, marijuana merchants working with 4D Solutions may be subject to large rolling reserves, early termination fees, and strict chargeback policies. These terms are common for most high risk merchants and may be especially applicable for an untested market like cannabis sales. 4D Solutions states that its backend processor is a domestic bank, so merchants do not need to worry about the risks associated with offshore processing.
4D Solutions has received zero public complaints related to its contract terms and pricing. We have accordingly given it an “A” in this section. If you have any specific knowledge of the company’s contract terms (including any PCI compliance fees or monthly minimum fees), please share that information in the comment section below this review.
4D Solutions Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Employs Independent Resellers||No|
|Advertises Deceptive Rates||No|
|Discloses All Important Terms||No|
4D Solutions appears to rely on traditional advertising and strategic partnerships to market its services. There is no indication that the company employs a large team of independently contracted sales agents, and we cannot find any 4D Solutions complaints that mention unethical marketing tactics. 4D Solutions claims to have opened merchant accounts for over 100 dispensaries and marijuana retailers, and it further claims that all of these accounts are still open. If this is true, then the company appears to have more or less cornered the market on legal cannabis payment processing for the time being. This may explain why 4D Solutions does not list any “teaser” quotes or guarantees on its website, as it has very few competitors who offer its service. Given the total lack of complaints related to the company’s sales team, we will assign 4D Solutions an “A” in this category.
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