Advantage Payment Processing Review

Advantage Payment Processing Overview

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 zero 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

Advertising Disclosure: Our unbiased reviews are supported in part by helping you find highly reviewed merchant accounts. You can learn more here.

Products & Services Offered

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce
  • MOTO

Advantage Payment Processing Rates, Fees, and Costs

Standard Fees

Swiped Rate Variable
Keyed-in Rate Variable
Early Termination Fee Variable
PCI Compliance Fee Variable
Equipment Lease Terms Variable

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, but it most commonly provides a multiyear contract with automatic renewal, an early termination fee of a few hundred dollars, and an annual PCI compliance fee. It is likely that Advantage has the freedom to alter these contract terms to suit each merchant’s specific needs.

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.

Response from Advantage Payment Processing

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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 Support Channels

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.

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.

Response from Advantage Payment Processing

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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.

Response from Advantage Payment Processing

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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.

Phillip Parker is a former merchant services sales agent who believes the industry has been overrun by people who engage in fraud and deception in order to steal from hard working business owners. He created this website to help you avoid the bad players, save money on fees, and to get peace of mind with your merchant account. If you would like to help support his work, learn more about our cost reduction service. We can evaluate your statement, tell you exactly how much you're overpaying, and then help you dramatically reduce your fees with your current credit card processor. Looking to switch instead? See our list of the best merchant account providers.

Schedule a Consultation with Phillip

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