card-payment-options-logo
card-payment-options-logo
Generic selectors
Exact matches only
Search in title
Search in content
Search in posts
Search in pages

Advantage Payment Processing Review

Phillip Parker
Phillip Parker

I was tired of watching unethical merchant services companies take advantage of unsuspecting business owners, so I built this website and wrote hundreds of reviews to expose their shady business practices.

Compare Top 2021 Picks

Compare All Picks

Advantage Payment Processing Overview

We take great pride in providing one of the only objective an unbiased merchant account review websites on the internet. To support this enormous responsibility we earn some of our revenue through affiliate fees and advertising. These revenues in no way influence our ratings or reviews. Learn more about our monetization policies here. 

Rating

5/5
Advantage Payment Processing Logo
Website
(619) 283 7200

Most Recent Comment

Tell us about your experience with Advantage Payment Processing in the comment section below.

See All User Comments

See The Processors That Rock!

Rating:
5/5
Advantage Payment Processing Logo
View Rates & Fees
(619) 283 7200

Most Recent Comment

Tell us about your experience with Advantage Payment Processing in the comment section below.

Tell us if they rock!

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 3 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
did you know click to see list of the best processors
Are you looking for savings?

Advantage Payment Processing Rates, Fees, and Costs

Advantage Payment Processing Rates, Fees, and Costs

Cost Summary

Swiped Rate 2.69% + $0.19
Keyed-in Rate 3.69% + $0.19
Virtual Terminal Rate 1.00% - 4.99%
Payment Gateway Fee Undisclosed
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.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Advantage Payment Processing also dedicates a portion of its website that advertises its virtual terminal and payment gateway. The company refers to these services as its Orbital Payment Gateway. However, pricing on either of those services is not disclosed. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.

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.

some processors rock see them now

Advantage Payment Processing BBB Rating Summary

BBB Summary

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.

man walking into a rake - pick a winner

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.

sleep well knowing that you have the lowest fees see the lowest cost providers here

Sales & Marketing Example

Our Opinion Of Advantage Payment Processing

Advantage Payment Processing Logo

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.

phillip parker waiving hello
Linkedin
Twitter
Instagram
Reddit
Facebook

Why I'm Qualified to Write About Credit Card Processing

I’m a small business owner who previously worked in the credit card processing industry. I started this blog in 2009 to help other business owners by exposing credit card processors that engage in unethical marketing, rate and fee trickery, and fine-print-contract schemes. Over the last decade, I’ve reviewed hundreds of merchant services providers which has helped to educate over 5 million businesses on the nuances of credit and debit card acceptance. I’ve appeared in the New York Times, Los Angeles Times, Inc. Magazine and a host of other publications to offer insight on the subject of card acceptance. 

I offer merchant account and credit card processing consultation for the following needs:

  • Selecting the right credit card processing services for your business.
  • Reducing credit card processing fees with your current merchant account provider.
  • Negotiating credit card processing fees when changing merchant accounts.
  • Strategies for reducing and recovering funding holds and chargebacks.

 

Schedule a call with me today!

 

see best ranked processors

Leave Your Review For Advantage Payment Processing

Subscribe
Notify of
Optional
0 Comments
Inline Feedbacks
View all comments

We'd love to hear your thoughts on Advantage Payment Processing

Post a Review Now
Copyright

Copyright © 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.

Our Top Picks For 2021
Month-to-month, no contracts, no junk fees, and great support!
See Who They Are
Don't Guess
We've Vetted The Best
No commitment, low fees, and excellent service.
It's a no-brainer from our viewpoint!
See Who They Are
Previous
Next
Facebook
Instagram
Twitter
Linkedin
Reddit
© Copyright 2009 - 2020 CardPaymentOptions.com, Inc. All Rights Reserved.
0
Would love your thoughts, please comment.x
Generic selectors
Exact matches only
Search in title
Search in content
Search in posts
Search in pages
phillip says easy peasy

Make it simple
Pick from the best

See Them Now

This website uses cookies to ensure you get the best experience. No personal information is collected unless you fill out a form and submit it or call a number listed on one of our pages. We never share or sell your information without your consent. If you do not wish to proceed, please exit the website at this time.

Accept & CLose