Advantage Payment Processing Review

Advantage Payment Processing Overview

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A First Data Reseller

Advantage Payment Processing (, is a merchant account provider headquartered in San Diego, California. The company is “powered by” First Data, which means that it resells First Data’s products, services, and processing agreements. The company claims to be able to serve both standard and high risk business types, including cannabis merchants.

Headquartered in San Diego, California

Advantage Payment Processing Inc. is a registered ISO/MSP of Wells Fargo Bank, N.A., in Concord, California, and is headquartered at 5694 Mission Center Road, Suite 602–145, San Diego, California 92108. The company does not list the identity of its executive leadership, but a 2012 press release indicates that Carrie Portugal is the president of Advantage Payment Processing.

Advantage Payment Processing Review Table of Contents

  • Costs & Contract: Advantage Payment Processing appears to offer variable contract terms through First Data.
  • Complaints & Service: Advantage Payment Processing has received fewer than 10 public complaints.
  • BBB Rating: Advantage Payment Processing does not have a rating with the Better Business Bureau and has received 0 complaints in the last three years.
  • Sales & Marketing: Advantage Payment Processing does not appear to hire independent sales agents and has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Advantage Payment Processing

Advantage Payment Processing Statement Analyzer

Find hidden fees, pricing errors, and overcharges in your Advantage Payment Processing merchant account statement. Not with Advantage Payment Processing? That's ok, we can find excessive fees in any credit card processing statement. We've already found $1,156,834 in hidden fees this year! Submit a recent statement to try it out for free!

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Products & Services Offered

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce
  • MOTO

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Advantage Payment Processing Rates, Fees, and Costs

Key Points

Swiped Rate 2.69% + $0.19
Keyed-in Rate 3.69% + $0.19
Early Termination Fee Up To $495
PCI Compliance Fee $19.95 Per Month
Equipment Lease Terms N/A

Potentially Variable Terms

There is very little publicly available information regarding the standard Advantage Payment Processing contract. The company is a First Data reseller, which means that its contract is likely to resemble the standard First Data contract. First Data is capable of offering a wide range of contract terms.

A typical First Data offers a wide variety of contract terms and pricing plans, but its standard agreement is typically a multiyear contract with an early termination fee of $495, a monthly PCI compliance fee of $19.95, and tiered pricing. Merchants who process up to $50,000 each month will receive a swiped rate of 2.69% plus $0.19 and a keyed in rate of 3.69% plus $0.19. Merchants whose monthly charges exceed $50,000 will receive a swiped rate of 2.29% plus $0.19 and a keyed in rate of 3.29% plus $0.19.

No Long-Term Equipment Leases

The company’s website states that it does not lease processing equipment to merchants, so potential merchants do not need to fear expensive leases through First Data Global Leasing. Given the fact that there are no public complaints regarding Advantage’s pricing and contract terms, we will assign it an “A” rating for now, but merchants should still compare the company’s rates to the cheapest merchant account providers.

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Advantage Payment Processing Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

Clean Complaint Record

We are unable to locate any negative Advantage Payment Processing reviews, which is a positive indicator that the company is not a ripoff or a scam. This clean complaint record may be a product of Advantage’s stated policy of giving each merchant a dedicated “personal consultant,” or it may simply be that the company is not very large. It is also possible that complaints intended for Advantage Payment Processing are instead mistakenly filed against First Data, but we have found no evidence at this time that this is occurring.

Advantage Payment Processing Lawsuits

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

Advantage Payment Processing Customer Support Options

The company offers live phone support for its merchants, which appears to do an effective job of resolving complaints. Despite its “A” rating in this section, this payment processor is not considered to be a top-rated provider for customer service.

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Response from Advantage Payment Processing

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Advantage Payment Processing BBB Rating Summary

Key Points - BBB

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

Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.

No BBB Complaints

Advantage Payment Processing is not an accredited business with the Better Business Bureau. As of this review, the company does not have a rating and does not have any public complaints filed against it with the BBB. The BBB has also not received any informal reviews related to Advantage.

An “A” Performance

Given the company’s clean record, we are awarding the company an “A” in this section. Merchants should note, however, that there are good reasons to be skeptical of the BBB’s rating system.

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Truth In Marketing & Advertising

Key Points

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

No Sales Complaints

Advantage Payment Processing appears to primarily market itself via referrals, its website, and traditional advertising. There is no evidence at this time that the company employs independently contracted sales agents, and we have not found any Advantage Payment Processing complaints that mention nondisclosure or misrepresentation of terms by sales representatives.

No Deceptive Quotes

The company also does not list any deceptive rate quotes on its website. In light of these factors, we will award Advantage an “A” rating in this category for the time being. If you suspect that Advantage Payment Processing is charging you undisclosed fees, we recommend seeking an independent statement audit to find and eliminate sneaky charges.

Serving High Risk Merchants

Merchants can be designated as a high risk account for a multitude of reasons. From their credit history, transaction volume, to the size of their business, these considerations can have a huge impact on their rates and transaction fees as they are offered non-qualified rates. Cannabis businesses face a unique set of circumstances that make them high risk merchants. Advantage Payment Processing advertises its specialization of serving these businesses and other high risk accounts.

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Advantage Payment Processing Logo

Our Opinion of Advantage Payment Processing

An Appropriate Choice for Most Merchants

Advantage Payment Processing rates as a reliable merchant services provider according to all available information. We are unable to locate any details about the company’s standard contract at this time, but the total lack of merchant complaints related to the company is a solid indication that it offers quality service and support on par with top rated processors. Merchants are encouraged to read and understand all contract terms even when dealing with an “A” rated credit card processor.

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Why I'm Qualified to Write About Credit Card Processing

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so built this website to help small business owners research which service providers to use and how to save money on rates and fees. 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 here. I can help you save money with your current merchant account or help you find a new one. Message me here to get started.

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