AdvoCharge Reviews & Complaints

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In this review of AdvoCharge, we will provide a detailed overview of the company's credit card processing services. We will cover the range of services they offer, including point-of-sale (POS) systems, mobile payment solutions, and e-commerce capabilities. The review will identify the types of businesses that might benefit from these services. Additionally, we will examine client and customer reviews to highlight common trends and potential concerns. The article will also address the company's pricing structure, contract terms, and specific services provided. By the end of this review, you will understand whether AdvoCharge meets your payment processing needs.

About AdvoCharge

AdvoCharge is a merchant account provider headquartered in Boulder, Colorado. The company serves U.S. and Canadian merchants and is partnered with a number of organizations in Boulder and across the country. AdvoCharge offers a 10% discount to members of the Boulder Chamber of Commerce.

AdvoCharge Products and Services

Payment Processing

AdvoCharge handles major debit and credit card transactions for a variety of business types, particularly those in Boulder, Colorado. They provide two service levels: ZING and Wave. ZING shifts the processing fee to the consumer by adding it to their charge, while Wave follows a traditional payment processing model. Both service levels include features such as cash discounts, recurring billing, chargeback support, compatibility with ApplePay and Google Wallet, EMV swipers, free signage, POS terminals, mobile solutions, and a virtual terminal. Additionally, Wave offers Level 2 and Level 3 processing.

AdvoCharge payment processing
AdvoCharge's ZING service

AdvoCharge Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints <10
Live Customer Support No
Most Common Complaint N/A

Clean Complaint Record

Our research indicates an absence of any AdvoCharge reviews suggesting fraudulent or deceitful behavior. In contrast, the majority of available AdvoCharge reviews commend the company’s customer service, particularly highlighting the accessibility of its agents. These positive assessments predominantly come from verified business owners, marking an impressive record for a company with a decade in business. We invite you to share your AdvoCharge experiences in the comments section below.

AdvoCharge Lawsuits

No significant class-action lawsuits or FTC complaints have been identified against AdvoCharge. Merchants looking for amicable solutions to their concerns with AdvoCharge should consider reporting them to appropriate supervisory organizations.

AdvoCharge Customer Service Options

While AdvoCharge primarily uses email for initial customer service interactions, the company does offer phone support in subsequent stages as needed. This approach has not led to any notable complaints thus far. However, this customer service strategy may be a factor in AdvoCharge not being classified among the top-tier merchant account providers for customer service.

AdvoCharge Online Ratings

Here's How They Rate Online

Online Ratings Summary
Total BBB Complaints 0
Complaints Resolved 0

No BBB Complaints

AdvoCharge is not an accredited business with the Better Business Bureau. As of this review, the company has an  “A+” rating with the BBB and has had 0 complaints filed against it in the last 36 months. AdvoCharge is also not showing any informal reviews on its BBB profile, although it should be noted that customer reviews through the BBB are not subject to verification.

An “A” Performance Overall

In light of AdvoCharge’s clean complaint record through the BBB, we award the company an “A” in this section. Merchants should still be aware that there is reason to be skeptical of the BBB’s rating system.

AdvoCharge Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties None
Monthly & Annual Fees None
Processing Rates 1.00% - 4.99%

Month-to-Month Contract

AdvoCharge emphasizes cash discount and interchange-plus pricing, offering some of the most transparent and favorable per-transaction rates. The company promises no cancellation, setup, or annual fees on its website. Furthermore, AdvoCharge indicates that its agents have a base rate of $0.00 for PCI compliance, suggesting that merchants have the opportunity to negotiate PCI compliance fees down to zero. These terms are highly competitive, and no adverse AdvoCharge reviews have been found to contradict these claims.

CardConnect’s Involvement

AdvoCharge collaborates with CardConnect, a provider with mixed reviews, which also offers First Data (now Fiserv) Clover POS products. Despite AdvoCharge’s assurance of no long-term contracts or termination fees, the CardConnect agreement contains a clause that imposes a $750 termination fee if the contract is terminated within five years from the approval date by CardConnect and Wells Fargo Bank, N.A. This clause is at odds with AdvoCharge’s stated terms. Merchants are advised to ensure that any unfavorable clauses are amended or removed from their agreements.

Highly Competitive Pricing

The presence of numerous positive testimonials suggests a high level of client satisfaction with AdvoCharge’s contract terms. Consequently, the company receives an “A” rating in this area. However, potential clients should be aware that terms associated with CardConnect may differ. Although AdvoCharge offers competitive terms, it is recommended to review the contract details, especially those related to CardConnect, to ensure they meet your business needs.

AdvoCharge Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms Yes

In-House Sales Team

AdvoCharge appears to market its services through a combination of its website and partnerships with a network of clients. The company’s website actively promotes cash discount pricing and interchange-plus pricing, both of which are cheaper and more transparent than industry-standard tiered pricing. Moreover, we have not found any AdvoCharge reviews that describe unethical conduct by the company’s sales agents.

No Deceptive Rate Quotes

As its name indicates, AdvoCharge markets itself as an advocate for transparent sales tactics in the credit card processing industry. The total absence of AdvoCharge complaints about the company’s sales team seems to suggest that it takes this claim seriously, and its website even has a section dedicated to educating business owners about the merchant services industry. If you still suspect that AdvoCharge is charging you hidden fees, we recommend seeking a third-party statement audit to eliminate unnecessary charges.

Our AdvoCharge Review Summary

Our Final Thoughts

All available indicators suggest that AdvoCharge ranks as an exemplary merchant services provider. The company emphasizes transparent sales tactics and pricing, building trust with clients through its forthright approach. Online reviews frequently commend its customer service, underscoring AdvoCharge’s commitment to addressing merchant needs promptly and effectively.

While most businesses can benefit from AdvoCharge’s services, those operating in high-risk industries may face limitations. However, the company specifically advertises its willingness to work with CBD and hemp businesses, indicating an openness to serving these growing sectors. Despite AdvoCharge’s strong reputation and highly rated service, merchants are urged to meticulously review the terms of any contracts offered. This due diligence ensures they fully understand the costs and conditions, helping them secure the most favorable and transparent agreement for their unique business needs.

Location and Ownership

Founded in 2009, AdvoCharge is aligned with multiple payment processors and does not list any one acquiring bank on its website. The company primarily resells CardConnect hardware and software. Mark Tracy is listed as the CEO and co-founder of AdvoCharge, which is headquartered at 4450 Arapahoe Ave #100, Boulder, CO 80303.

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Testimonials & Complaints

How Did AdvoCharge Treat You?

11 User Reviews

  • Betty Artes

    As a restaurant owner for the past 19 years I have gone through several credit card processors without much satisfaction and much frustration. For the past year I have been processing with Advocharge and am totally satisfied. Their transparency is refreshing, the fees are manageable and as quoted and they are available to answer questions. They understand the merchants perspective and are very sensitive to that. I have recommended Advocharge to other businesses and will continue to do so.

  • Stacey

    We have been extremely happy with Advocharge. Our processing costs are less, which helps us as a small business, and the customer service we receive is second to none. I confidently decline offers from the other companies that call weekly, promising lower rates. I highly recommend Advocharge.

    Stacey Melis
    Pro-Active Chiropractic

  • Cheryl Sussman

    Since we switched to AdvoCharge, credit card processing has been painless. If we have any questions or needs they are taken care of quickly and professionally; it’s SO much better to have a local representative!

  • Stephanie Frangos

    Making the jump to take Credit Card for our small growing business was scary . Advo Charge made it easy and has help with all of our needs as we grow. We had compared rates and we have the best deal by far !! We have converted many other business to Advo Charge once we tell them about the personal service and rates ! Thank you Advo Charge for all you do for us !!!

  • Rick

    We switched our business over to Advocharge in February. We’d been with our prior processor for over 5 years. During those 5 years we were repeatedly contacted by merchant processors who told us how much money they’d save us, but when we dug deep, we weren’t comfortable with something about the way they did business. Either we didn’t believe their rate structure was real, or their customer service was problematic, or they had a lot of complaints. It took a lot for us to switch.

    And I’m glad we did. Our overall effective rate including all fees dropped by an average of 20-30%, which is saving us hundreds of dollars each month. The customer service has been superb and the processing has been flawless. We actually see our charges deposited a day faster than our prior processor, and the online reporting tools are excellent as well.

    I would highly recommend these guys. We literally have zero complaints and are very glad we made the switch.

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