Aliant Payments Overview

Aliant Payments May Have Overcharged You

If you accepted credit cards through Aliant Payments or any other credit card processing company between 2017 and 2019, recent changes to the law may entitle you to refunds of certain debit card and credit card processing errors and overcharges. See this post to find out if your were among the businesses affected and to learn how you can get your money back.

Now Accepting Cryptocurrency

Located in Ft. Lauderdale, Florida, Aliant Payments is a merchant account provider that serves both standard-risk and high-risk business types. Founded in 2007, the company is a reseller of TSYS. In September 2017, Aliant partnered with BitPay to offer its merchants the ability to accept Bitcoin payments. It has since terminated this partnership and now offers its own cryptocurrency platform that can transfer cryptocurrency, liquidate, and fund USD through the company’s bank partner. The company also resells Pax as a POS solution.

Official Partner of the Miami Dolphins

While promising, Bitcoin’s burgeoning status as the vanguard of cryptocurrencies has yet to be fully adopted by most businesses. Though many merchants do accept Bitcoin and other cryptocurrencies, larger-scale enterprise businesses have been slow to adopt the payment method. Aliant’s efforts to facilitate Bitcoin transactions through its platform have culminated with a partnership with the NFL’s Miami Dolphins. In July of 2019, Aliant began working with The Litecoin Foundation to install infrastructure that would allow the Dolphins to accept payments for tickets, merchandise, and stadium concessions in either Bitcoin or Litecoin. Aliant’s role in establishing The NFL’s first crypto payment option bodes well for the company as other large scale retailers like Whole Foods, Home Depot, and Nordstrom have begun to accept Bitcoin.

Aliant Payments Location and Ownership

Aliant Payments is a registered ISO/MSP of Wells Fargo Bank, N.A., Concord, California, and is headquartered at 1000 Corporate Dr #340, Fort Lauderdale, Florida 33334. Eric Brown is the president and CEO of Aliant Payments.

Aliant Payments Review Table of Contents

  • Costs & Contract: Aliant Payments appears to offer variable contract terms depending on each merchant’s business type and does not charge early termination fees.
  • Complaints & Service: Aliant Payments has received more than 20 public complaints.
  • BBB Rating: Aliant Payments has an “A+” rating with the Better Business Bureau and has received 0 complaints and 44 reviews in the past 3 years.
  • Sales & Marketing: Aliant Payments hires independent sales representatives and has received some complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Aliant Payments.
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Products & Services Offered

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce
  • Restaurant
  • B2B
  • B2G

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Aliant Payments Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-in Rate 1.00% - 4.99%
Virtual Terminal Rate 2.50% - 2.90% + $0.30
Payment Gateway Fee None
Early Termination Fee $0
PCI Compliance Fee $18.80 Per Quarter
POS System Cost Up to $999
Equipment Lease Terms 48 Month (locked)

TSYS  Reseller

Aliant Payments is a reseller of TSYS, so it is likely that its standard contract resembles the standard TSYS contract. TSYS offers a wide variety of contract terms and pricing plans, but its standard agreement is typically a multiyear contract with a quarterly PCI compliance fee of $18.80 and tiered pricing. An Aliant Payments representative has stated that the company does not charge early termination fees and provides pricing depending on a merchant’s industry and the size and scope of their business.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Aliant Payments also dedicates a portion of its website that advertises its virtual terminal and payment gateway service, named Titan. titan allows merchants to accept payments from credit cards, ACH deposits, Google Pay, Apple Pay, and several cryptocurrencies including Bitcoin, Litecoin, and Ethereum. However, pricing on that service is not disclosed. According to the company’s website, payments are charged a rate of 2.90% plus $0.30, although some qualify for a slightly lower rate of 2.50% plus $0.30. It does not appear that the company charges a monthly gateway fee or batch fee.

Pax POS Pricing

In addition to its Titan payment gateway, Aliant Payments also advertises the Pax POS system. The company offers several different POS options from mobile card readers to intensive desktop registers. Aliant provides mobile card readers to merchants at no cost. The Aliant Pax A80 desktop tablet can be purchased for $199, the Aliant Pax A920 handheld mobile tablet costs $299, the Aliant PAX E500 compact register costs $699, and the Aliant Pax E800 desktop register is $999. These different pieces of hardware run the gamut for merchants whether they process payments on the go or from a single storefront.

Variable Contract Terms

There is very little publicly available information about the standard Aliant Payments contract at this time. The company’s website states that agents can earn revenues on Qualified discount rates, Mid-Qualified discount rates, Non-Qualified discount rates, transaction fees, monthly minimum fees, statement fees, Merchant Club fees, and annual fees. It does not list amounts for these fees or mentions whether it charges PCI compliance fees.

In general, it appears that Aliant Payments offers industry-average contract terms, but its low complaint total in this department merits an “A” at this time.

Are you happy with your Aliant Payments fees? Tell us about them before your go!

Response from Aliant Payments

Aliant response: we have not charged a cancellation fee in well over two years, we do not even allow our outside agents to charge them even when they request it. Our costs are dependent on the type of merchant, we provide an elevated level of service and also are able to obtain approvals for merchants where other companies are not. Our pricing is tailored to the specific merchant, if they are ever unhappy with the service or pricing they can cancel any time free of charge. We only lease equipment when a merchant requests it. Since we focus on e-commerce, and card not present merchants, we do not see many requests. Aliant does offer a equipment placement program for retail clients which many customers have taken advantage of and have been happy with. Again they can return the equipment and cancel FREE OF CHARGE.

Aliant Payments Complaints & Customer Reviews

Key Points

Total Online Complaints 20+
Live Customer Support Yes
Most Common Complaint Telemarketing

Low Complaint Total

We have located over twenty negative Aliant Payments reviews, some of which describe the company as a scam. Most of the complaints describe persistent, unwanted telephone calls from Aliant Payments and occasionally rude phone exchanges with sales representatives. A company representative has stated that Aliant Payments has ceased the operation of an outbound telemarketing program in response to these complaints. These complaints are generally more than 3 years old and therefore have a minimal impact on the company’s score in this section. As an additional point in the company’s favor, there are very few complaints that describe poor customer service or expensive contract terms from Aliant Payments.

Aliant Payments Lawsuits

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

Aliant Payments Customer Support Options

Aliant Payments offers live phone support and chat support through its website. These contact options are close to what we expect from top-rated payment processors for great customer service.

Do you have a complaint or testimonial about Aliant Payments? Make your voice heard before you go!

Response from Aliant Payments

We have not had one complaint in over 12 months at the BBB, and we have had 14 positive reviews in that same 12 months. We have hired outside companies to monitor our service and provide reviews they can be found online. We do not have an outbound telemarketing program. We recognized the need to modify our marketing and in turn did exactly that. That program no longer exists. There are over 100 positive online reviews on Aliant.

Aliant Payments 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

No BBB Complaints

Aliant Payments (as Aliant Payment Systems, Inc.) currently has an “A+” rating with the Better Business Bureau and has been accredited since June 2013. The company has received 0 complaints in the last 36 months.

What Merchants Say

Aliant Payments has also received 44 positive reviews on its BBB profile, although it should be noted that these reviews are not verified by the BBB. Aliant itself has admitted that it “hired outside companies to monitor our service and provide reviews that can be found online,” which likely means that it has retained a reputation management firm. As with much of the content found on the BBB, we believe that there are reasons to be skeptical of the large amount of positive feedback the company has received.

An “A” Performance

Given Aliant Payments improved complaint total and resolution ratio, we agree with the BBB’s rating at this time.

How has Aliant Payments treated you? Tell us about it here!

Response from Aliant Payments

Are you a representative of Aliant Payments? Add your voice to this section for free!

Truth In Marketing & Advertising

Key Points

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

Outside Agent Program

Aliant Payments appears to utilize independent sales agents, online marketing, and traditional advertising to market its products and services. Telemarketing and independent sales agents tend to produce elevated complaint totals among providers, and Aliant Payment was no exception. We are able to locate over 2 dozen complaints that describe persistent, aggressive sales calls or misrepresentation by sales staff. However, according to the company, it has ceased this marketing tactic in response to merchant feedback.

Telemarketing Complaint Details

These 2 pages contain the bulk of Aliant Payments’ telemarketing complaints. Merchants claim that the company continues to call them after it has been asked to stop and that its in-person sales representatives do not disclose all fees that will be charged. An Aliant Payments representative has claimed that the company no longer engages in outbound telemarketing, but this change in policy must have been made within the last two years given that a complaint from November 2015 mentions telemarketing as the primary issue. As of this update, it appears that the company’s revised marketing strategy has had a positive effect on merchants’ sales experiences.

No Deceptive Rates

To its credit, Aliant Payments does not list any misleading rate quotes or unrealistic guarantees on its website. While its complaint record offers some concerns, the company’s measure to change its marketing tactics in response to merchant feedback warrants a “A” rating. If you suspect that Aliant Payments is charging you undisclosed fees, we recommend seeking a third-party statement audit.

Did you get what you expected from Aliant Payments? Tell us why, or why not.

Response from Aliant Payments

Aliant response: we have modified our sales and marketing, we do not outbound dial to any customers, we have re-focused our marketing resources to mainly internet marketing and advertising. This has allowed merchants to find us when they are in need of merchant services. This has made our team more efficient and able to spend more time with merchants in need. Outside agents still utilize Aliant’s program for our ability to get hard to place merchants approved.

Aliant Payments Marketing Example

Aliant Payments Logo

Our Opinion of Aliant Payments

A Solid Option for Standard and High-Risk Merchants

Aliant Payments rates as an above-average merchant services provider according to all available information. The company has received some complaints about its sales practices, but it claims to have ceased the program that was generating these complaints. There also are not any especially severe complaints about its pricing or service. Our rating may be subject to change once more is known about Aliant Payments’ contract terms. For now, merchants are advised to compare the company’s pricing to top-rated credit card processors to obtain the best deal.

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Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, 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 on this website.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

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2 Reviews Leave Your Review for Aliant Payments Below

  1. Chris Reed says:

    I have done business with this company in the past. I advise ANYONE and EVERYONE to find a better company to work with. They will tell you one thing and then do another. There are a lot of companies out there that can process high risk accounts without the nightmare you will have to deal with. I beg for anyone looking into this company to please do your research and find a legitimate company that will not ruin your business.

    From The Editor
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  2. Aliant is simply the best. Terrific, responsive customer service. Great rates. My small business had bad service with another processing company and made the best move to Aliant. Give them a try. You’ll stay with them

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