AB POS Solutions Overview

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A Restaurant Focused POS Solution

Based in Maryland, AB POS Solutions (also known as A&B POS Solutions) is a POS provider that caters to merchant accounts in the restaurant industry. The company offers those businesses specific POS solutions for full-service restaurants, quick-service restaurants, bars, nightclubs, and food trucks. Its POS systems offer futures including menu building, table management, consumer nutrition tools, staff management, payment flexibility, analytics/reporting, online ordering integration, and inventory management solutions. The company’s hardware includes countertop and handheld POS systems that effectively utilize each of those software features. According to merchant reviews, the company offers interchange-plus pricing.

Location and Ownership

AB POS Solutions is headquartered at 9701 Apollo Dr., Suite 201, Upper Marlboro, MD. However, its acquiring bank is not disclosed. Abner Gonzalez is listed as the president of the company.

AB POS Solutions Review Table of Contents

  • Costs & Contract: AB POS Solutions offers a 3 -year contract with a 2-year automatic renewal including an annual fee with the option for interchange-plus pricing that may include an early termination fee.
  • Complaints & Service: AB POS Solutions has received fewer than 10 public complaints.
  • BBB Rating: AB POS Solutions currently has an “A+” rating and has received 1 complaint and 1 review in the last 3 years. The company has been accredited by the Better Business Bureau since 2015.
  • Sales & Marketing: AB POS Solutions employs independent resellers though it has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With AB POS Solutions.
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Products & Services Offered

  • POS systems
  • Interchange-plus pricing
  • Credit and debit card processing

Types of Businesses Served

  • Restaurants
  • Bars
  • Nightclubs

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AB POS Solutions Rates, Fees, and Costs

Key Points

Swipe Rate Interchange + 0.50% + $0.08
Keyed-in Rate Interchange + 0.50% + $0.08
Annual Fee $89.99
Monthly Fee $29.99
Early Termination Fee $500+
PCI Compliance Fee Undisclosed
Equipment Lease Terms Undisclosed

Unclear Pricing and Fees

There is not much readily available information on the standard AB POS Solutions merchant agreement, despite the fact that the company offers its terms and conditions on its website.  According to those terms and conditions, a contract with AB POS Solutions lasts an initial term of 3 years with a 2-year automatic renewal thereafter. While there is no nominal early termination fee, section 4.4 of the company’s terms and condition imposes a liquidated damages-style clause whereby the merchant must pay the remaining sums due to AB POS Solutions, which are likely the remaining monthly fees associated with the agreement. However, one merchant does reference being charged $500 upon the termination of their agreement with the company, meaning that an early termination fee in that amount may be effective upon cancelation.

Merchant reviews on the company convey that it offers both tiered and interchange-plus pricing models. While no fee schedule is disclosed, one merchant review references an interchange rate of interchange plus 0.50% plus $0.08. That same review also makes note of an $89.99 annual fee, a $29.99 monthly fee, and another $7.99 monthly fee which is not specified, it is unclear whether or not that is a PCI compliance fee or if the company even charges one. It’s unclear how much of the annual and monthly fees affect the equipment costs of POS hardware.

Average Rating Overall

Despite its inclusion of an interchange-plus pricing option, the company’s liquidated damages style clause, the possibility of a $500 early termination fee, and an unclear fee schedule counteract the benefits of that pricing. Given its less than transparent fee structure and references to convoluted fees, the company receives a “C” in this category.

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Response from AB POS Solutions

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AB POS Solutions Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint High Rates

Low Complaint Total

There is currently only 1 negative review about AB POS Solutions. The lone review references higher than expected fees than promised by the company. However, there are no online complaints accusing the company of being a scam or fraud.

AB POS Solutions Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against AB POS Solutions. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

AB POS Solutions Customer Support Support Options

AB POS Solutions offers dedicated customer support via a 24/7 dedicated phone line. While this is adequate, it is not as comprehensive as what the best merchant accounts for customer service offer.

An “A” Overall

Given the company’s moderate complaint volume, clean legal history, and comprehensive but poorly reviewed support options, AB POS Solutions receives an “A” rating in this category.

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Response from AB POS Solutions

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AB POS Solutions BBB Rating Summary

Key Points - BBB

Product & Service Complaints 0
Billing & Collection Complaints 1
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Low Complaint Record

AB POS Solutions has been accredited with the Better Business Bureau since 2015. As of this review, the company has an “A+” rating with the BBB and has had just 1 complaint filed against it in the last 36 months. The sole complaint was left regarding a billing or collection issue and reached a resolution that did not satisfy the merchant. The company also has 1 positive informal review, though it should be noted that unlike complaints, informal reviews are not verified by the BBB.

An “A” Performance Overall

Given AB POS Solutions’ low complaint total, we are inclined to agree with the Better Business Bureau and award the company an “A” rating in this category. Merchants should be aware, however, that there are reasons to be skeptical of the BBB’s reviews.

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Response from AB POS Solutions

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms No

AB POS Solutions Sales Tactics

The AB POS Solutions website also conveys that it employs independent resellers. The website also provides a phone number to its in house sales team. The company does not have any public complaints regarding its sales practices or independent resellers.

No Misleading Pricing

To its credit, AB POS Solutions does not appear to list deceptive prices. However, the company does not disclose its terms or other fees on its website. The company does include its terms and conditions on its website, however, fees and rates are not expounded upon in that document.

The lack of complaints against the company’s sales tactics is a positive aspect in the company’s favor. However, the lack of transparent pricing is the reason behind why we award AB POS Solution a “B” in this category.

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Response from AB POS Solutions

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AB POS Solutions Logo

Our Opinion of AB POS Solutions

A POS Solution with Interchange Plus Pricing

Unlike many POS providers, AB POS Solutions provides its own pricing model to customers as opposed to relying on outside merchant account providers. A major benefit of this is that AB POS Solutions offer interchange-plus pricing to merchants. While that is the clear and most transparent pricing available, the lack of an available fee structure makes alternative POS providers who disclose their monthly and annual fees a more viable solution.

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Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

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