Advanced Credit Systems Reviews & Complaints

Advanced Credit Systems Logo
Overall Score
full star full star full star full star empty star
How did they treat you?

In this review of Advanced Credit Systems, we will provide a detailed overview of the company's payment processing solutions, including credit card processing, point-of-sale systems, and e-commerce services. We will discuss the pricing structure, contract terms, and customer feedback to give you a clear understanding of what Advanced Credit Systems offers. Additionally, we will examine the transparency of their fees, the quality of their customer support, and the overall satisfaction levels reported by their clients. By the end of this article, you will have a comprehensive understanding of whether Advanced Credit Systems meets your business's payment processing needs.

About Advanced Credit Systems

Advanced Credit Systems is a small, privately owned merchant account provider founded in 1996. The company specializes in providing retail credit card processing and payment gateways through National Payment ProcessingElavon, First Data (now Fiserv), and

Advanced Credit Systems Homepage

Advanced Credit Systems Payment Processing

Advanced Credit Systems appears to process all major debit and credit cards. Their website is extremely bare-bones, only saying that they ”offer credit card processing and software sales for companies of all sizes”.

Advanced Credit Systems 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

No Public Complaints

At present, we couldn’t find any negative Advanced Credit Systems reviews on typical consumer protection websites, suggesting that the company is likely not involved in any scams or ripoffs. If you have your own Advanced Credit Systems review to contribute, please feel free to share it in the comment section below.

Advanced Credit Systems Lawsuits and Fines

No outstanding class-action lawsuits or FTC complaints have been discovered against 1st Advanced Credit Systems. Dissatisfied clients seeking recourse against the company may consider reporting their concerns to the relevant supervisory organizations.

Advanced Credit System Customer Support Options

While Advanced Credit Systems claims to offer 24/7 customer support to its clients, it’s likely that this support is provided by the company’s backend processors. Businesses exploring their options should refer to customer service reviews for National Payment ProcessingElavon, First Data (Fiserv), and In the absence of any complaints, it’s assumed that Advanced Credit Systems offers support on par with even the top-rated payment processors for great customer service.

Advanced Credit System Customer Service Number

  • (844) 300-2355 – Toll-Free Customer Support

Advanced Credit Systems Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Reports 0

Clean Complaint Record

Advanced Credit Systems has an “A+” rating with the Better Business Bureau and is not showing accreditation at this time. The company has had 0 complaints in the past 3 years. Advanced Credit Systems is also not showing any informal reviews on its BBB profile, although it should be noted that these reviews are typically not subject to verification by the BBB.

An “A” Performance

In light of the company’s clear complaint record, we agree with the BBB’s grade at this time. However, readers should note that there are good reasons to be skeptical of the BBB’s grades.

Advanced Credit Systems Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties Yes
Monthly & Annual Fees Yes
Processing Rates Variable
Equipment Leasing Probable

Variable Contract Terms

Specific information about Advanced Credit Systems’ standard contract is limited. The company advertises rates as low as 1.49% plus $0.21, with specific AmEx and Discover Card rates disclosed on its website. Given its partnerships with backend processors such as National Payment Processing, Elavon, and First Data (Fiserv), as well as its gateway provider, it’s plausible that Advanced Credit Systems’ contract terms reflect those of these entities. First Data contracts, for instance, may include early termination fees up to $495, while Elavon contracts can have PCI compliance fees up to $59 monthly. typically implements a $25 monthly gateway fee. With varying terms from each provider, careful review of contract details is essential for businesses.

The company’s policy on POS equipment leasing is unclear, but non-cancellable leasing terms through First Data Global Leasing might be included in contracts resold by Advanced Credit Systems. Business owners should consider purchasing equipment to avoid potential leasing pitfalls.

Virtual Terminal and Payment Gateway Pricing

Advanced Credit Systems offers virtual terminal and payment gateway services, utilizing Authorize.Net and Quick Commerce for e-commerce transactions. As a reseller, ACS can modify standard terms, with e-commerce transactions charged at 2.21% plus $0.21 (3.50% + $0.21 for AmEx), and similar rates for mail-order transactions. Additional fees include a $6 monthly payment gateway fee and a $5 monthly statement fee. Other rates and fees, such as gateway fees and technical support fees, may apply.

Potential for Costs or Savings

With multiple backend processors, Advanced Credit Systems’ contracts could vary from highly unfavorable to highly competitive terms. Business owners are encouraged to closely examine contract details and share any specific experiences or insights about Advanced Credit Systems’ standard contracts in the comments section.

For a broader perspective on merchant account options, readers may explore our list of the best merchant accounts.

Advanced Credit Systems Employee Reviews & Sales Tacitcs

Should You Work For Them?

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

In-House Sales Team

Advanced Credit Systems appears to market itself primarily through strategic partnerships and traditional advertising. There is no evidence at this time that the company employs independent sales agents, and we are unable to locate any Advanced Credit Systems reviews that accuse the company’s sales team of nondisclosure or misrepresentation of fees.

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

Incomplete Rate Quotes

The only factor lowering the company’s score in this section is the way it quotes transaction rates on its website. Advanced Credit Systems’ “Retail” page quotes MasterCard/Visa rates as low as 1.49% plus $0.21 per transaction, American Express rates of 3.5% plus $0.21 per transaction, and Discover rates of of 1.69% plus $0.21 per transaction. Its “Internet / Mail Order” page quotes a similar series of rates. The rates shown are likely the company’s “Qualified” rates, while its website makes no mention of the higher “Mid-Qualified” and “Non-Qualified” rates that clients will pay on the majority of their transactions. We consider this type of rate quoting to be deceptive, as it could give clients an unrealistic expectation of the rates they will pay. If you suspect that Advanced Credit Systems has misrepresented your rates, we recommend seeking a third-party statement audit.

Our Advanced Credit Systems Review Summary

Our Final Thoughts

According to all available information, Advanced Credit Systems (ACS) rates as a reliable credit card processing provider. The company is relatively small and has lacked an active website for extended periods in recent years, so business owners should verify the identity of the company they are engaging with.

One area where ACS could improve its rating is its rate quoting tactics. To secure the most favorable terms, readers are encouraged to compare ACS’s pricing with that of top-rated merchant account providers. This comparison ensures that businesses receive transparent and competitive rates suited to their specific needs.

Location & Ownership

Advanced Credit Systems is headquartered at 4200 Castlebridge Ln #1925, Sarasota, Florida 34238 and is an affiliate of a point-of-sale (POS) provider called TASQ Technology. Christine V. Phillips is listed as the president of Advanced Credit Systems, although another website lists a Marcus G. Grodberg as president.

If you found this article helpful, please share it!

Testimonials & Complaints

How Did Advanced Credit Systems Treat You?

1 User Reviews

  • Landon Beverly

    I just had to share my incredible experience with Advanced Credit Systems! They’ve truly been a game-changer for my financial situation. Their expert team worked wonders on my credit score, and within just a few months, I saw a significant improvement. The personalized approach they took to address my unique credit challenges was impressive. Not only did they help remove inaccuracies, but they also provided valuable tips to maintain a healthy credit profile. The communication throughout the process was top-notch – prompt, clear, and always supportive. I can’t thank them enough for their dedication and commitment to helping me achieve my financial goals. If you’re looking to boost your credit score and take control of your finances, I highly recommend Advanced Credit Systems. They are simply the best in the business!

Tell Us How They Treated You

Sharing your experience influences our rating and helps other business owners make informed decisions. Promotional content and contact information will not be published. Please provide a detailed summary of your experience.


Copyright © 2024, 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, 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.