Alliance Bankcard Services Reviews & Complaints

Alliance Bankcard Services Logo
4.3
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How did they treat you? ▼

Pros & Cons
Pros: Cons:
Consultation and savings assurance. Equipment leasing costs.
Diverse business support. Contract cancellation penalties.
Low processing costs. Monthly and annual fees.
Fraud reduction training. Variable processing rates.
Extensive customer service. Sales practices concerns.

Company Overview

Founded in 2000, Alliance Bankcard Services is a California-based merchant account provider that appears to market itself both to English-speaking merchants and to merchants who primarily speak Chinese. They are resellers of Elavon products.

Alliance Bankcard Services Payment Processing

Alliance Bankcard Services processes all major debit and credit cards for most business types. Their services include EMV card readers and swipers, POS systems, mobile solutions, ACH, contactless payments, EBT, gift cards, and e-commerce solutions including virtual terminals and payment gateways.

Point of Sale Solutions

Alliance Bankcard Services offers POS solutions to help businesses improve their operations and customer service. They provide traditional POS terminals and advanced POS systems with integrated features like inventory management, staff management, and detailed reporting. These systems can cater to various business types, ranging from restaurants to retail stores, and can be tailored to meet specific business needs.

Mobile Payment Processing

For businesses on the move, Alliance Bankcard Services offers mobile payment processing solutions. These allow businesses to accept payments anywhere using a mobile device. This feature is beneficial for businesses that frequently operate outside of a traditional storefront, such as event vendors or field service providers.

Online Payment Gateway

Recognizing the rise of e-commerce, Alliance Bankcard Services offers an online payment gateway service. This feature allows businesses to accept payments online securely, making it ideal for e-commerce businesses. It supports various payment methods, enabling businesses to cater to customers both locally and internationally.

Security and Compliance

Alliance Bankcard Services places a high emphasis on payment security. They offer PCI compliant solutions and employ technologies like EMV and encryption to ensure transaction safety. By using these services, businesses can protect their customer's data and their reputation.

Customizable Gift and Loyalty Card Programs

Beyond payment processing, Alliance Bankcard Services offers customizable gift and loyalty card programs. These can help businesses increase brand awareness, attract new customers, and encourage repeat business.

Alliance Bankcard Services Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints 10+
Live Customer Support Yes
Most Common Complaint Hidden Fees
Recent Lawsuits No

Reviewing Alliance Bankcard Services Feedback

Our investigation into Alliance Bankcard Services reviews found more than 10 negative accounts on various consumer protection sites. A few of these reviews accuse the company of deceptive practices, with common complaints focusing on undisclosed fees, unexpected termination charges, and misleading rate quotes. Alliance Bankcard has not publicly responded to these complaints. However, there are also some positive testimonials, particularly noting the availability of the company’s customer service. We invite those with experiences with Alliance Bankcard Services to share their insights in the comments section.

Legal Status of Alliance Bankcard

No class-action lawsuits or FTC complaints have been recorded against Alliance Bankcard. Clients looking for non-litigious resolutions are encouraged to report their issues to appropriate supervisory bodies.

Alliance Bankcard Customer Support Assessment

Given its size and operational duration, Alliance has a low-to-moderate complaint record. This has led to a “B” rating. Alliance Bankcard provides contact phone numbers and a form on its website, but the directness of customer support via these channels is unclear. This lack of clarity is a contributing factor to why the company is not listed among our top-rated payment processors for outstanding customer service.

Contact Information for Alliance Bankcard Services

  • (800) 503-6222 – Toll-Free Customer Support
  • Customer support form
  • Customer service email at [email protected]

Alliance Bankcard Services offers multiple avenues for support, but enhancing transparency and responsiveness could improve their customer service standing and potentially their rating.

Alliance Bankcard Services Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Reports 1

Under 10 Complaints

Alliance Bankcard Services currently has a “B-” rating with the Better Business Bureau and is not accredited with the BBB. The company has received 1 complaint in the past 36 months. It was resolved to the dissatisfaction of the merchant or did not receive a final communication.

What Merchants Say

Alliance also has received no reviews in the last 36 months. Previously, there was 1 negative informal review, although it should be noted that these reviews are not subject to verification by the BBB. The review described excessive fees and difficulty canceling service:

I have been suspending business cooperation for three months, and today he has charged $ 89 from my bank account. When I contacted them, why did they charge the fee? He said it was a system to clean up a credit card machine. At the beginning of the co-operation, promised a variety of free machines, thermal paper, the lowest interest rates, without any hidden costs, but the annual cost is little by little rise, thermal paper is free but shipped fee charge $43. 2 times encountered their company server error, the store credit card can not brush, contact them always no one answered the phone.

Businesses that find themselves in this situation may find some relief by canceling their merchant account without paying a fee.

A “B” Performance

Given Alliance Bankcard’s low complaint total, we agree with the BBB’s rating at this time.

Alliance Bankcard Services Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties Yes
Monthly & Annual Fees Yes
Processing Rates 1.00% - 4.99%
Equipment Leasing Yes

Three-Year Contract

Currently, there is limited information available publicly regarding the typical Alliance Bankcard Services agreement. However, client feedback often references a three-year agreement incorporating either interchange-plus or tiered pricing models. Details about a monthly minimum fee are not widely disclosed, along with an early termination fee that varies significantly, from $295 per account cancellation up to $1,500 per terminal. The majority of complaints regarding Alliance Bankcard Services highlight a long-term agreement with unexpectedly high monthly fees and substantial early termination fees. It is advisable for business owners to carefully review potential contract terms to sidestep these steep costs. The discrepancy in feedback might stem from the company’s varied pricing strategies tailored to the specific needs of each business based on its industry, size, and operational history.

Virtual Terminal and Payment Gateway Pricing

Alliance Bankcard Services extends its offerings to include virtual terminal and payment gateway services through partnerships with Authorize.Net and Converge. The cost for utilizing these payment gateways varies, and businesses may encounter additional expenses such as gateway fees, technical support fees, batch fees, and increased transaction rates which are generally associated with these e-commerce solutions.

Industry-Average Pricing

Information gathered about the pricing structure of Alliance Bankcard Services suggests that their fees are generally in line with industry averages rather than offering competitive pricing seen with some cost-effective merchant account options. For now, we have rated them a “B” in this area. If anyone possesses more detailed knowledge regarding the standard Alliance Bankcard Services agreement, sharing that information in the comments section below would be greatly beneficial to others.

We also recommend that business owners review our compilation of the top merchant account providers to find options that may better suit their business needs.

Alliance Bankcard Services Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers Unknown
Telemarketing No
Misleading Marketing No
Discloses All Important Terms No

Inside Sales Team

Alliance Bankcard Services appears to primarily market its services through in-house sales agents, referral partnerships, and conventional advertising. It is unclear at this time whether the company employs independent sales agents. We are currently able to locate a handful of Alliance Bankcard Services reviews that describe misrepresentation of fees and nondisclosure of fine print by the company’s sales staff. Clients specifically state that their effective rates were much higher than their quoted rates and that the Alliance Bankcard Services fees at cancellation are not properly disclosed before signup.

This does not compare favorably to our list of best credit card processors.

Alliance Bankcard Services Rate Quotes

The Alliance Bankcard Services website currently advertises a rate of “Interchange + 0.09% + 5¢.” This does not appear to be misleadingly quoted, but some Alliance Bankcard Services reviews suggest that it doesn’t represent the full range of rates charged. Although the overall number of Alliance Bankcard Services complaints concerning sales is low, there are enough consistencies between them that we have lowered the company’s grade to a “B” in this section. If you suspect that you have been deceived by an Alliance Bankcard Services representative, you can double-check your pricing with a third-party statement audit.

Our Alliance Bankcard Services Review Summary

Our Final Thoughts

Alliance Bankcard Services rates as an average credit card processing provider according to our rating criteria. The company’s low complaint total with the BBB has positively impacted its score, suggesting a relatively satisfactory performance in terms of customer grievances. However, complaints related to its sales practices and fees have brought down its overall rating. These concerns highlight potential issues with transparency and cost-effectiveness, which are critical factors for businesses seeking reliable payment processing solutions.

Our rating for Alliance Bankcard Services is likely to change as more information becomes available about its contract terms. Detailed insights into the company’s agreements will help provide a clearer picture of its offerings and whether they truly meet industry standards. For now, businesses are encouraged to compare Alliance Bankcard Services’ pricing and terms with those of top-rated credit card processors to ensure they secure the best deal possible. This comparison will help businesses make informed decisions and potentially avoid issues related to fees and sales practices.

Location & Ownership

Alliance Bankcard Services is a registered MSP/ISO of Elavon, Inc. Georgia. Alliance Bankcard is headquartered at 13300 Crossroads Pkway N, Suite 400, City of Industry, California 91746. According to the Better Business Bureau, William Sze is the CEO of Alliance Bankcard Services.

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Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did Alliance Bankcard Services Treat You?

1 User Reviews

  • Oliver Linda

    I’ve been running my small business for several years now, and I have to say, since I partnered with Alliance Bankcard Services, my payment processing has been a breeze!

    Right from the start, the team at Alliance Bankcard Services impressed me with their personalized approach. They took the time to understand my unique business needs and offered a tailored solution that perfectly fit the bill. It’s like they knew exactly what I needed before I even said it!

    The best part is their user-friendly platform. I’m not a tech expert by any means, but navigating through their system is a piece of cake. I can easily process transactions, keep track of sales, and manage my financials with just a few clicks. It has definitely made my life a lot easier.

    What really sets Alliance Bankcard Services apart is their commitment to honesty and transparency. Their pricing is straightforward, with no hidden fees or surprises in the fine print. I appreciate a company that values integrity, especially in the financial services industry.

    Whenever I have a question or need assistance, their customer support team is always there to help. They’re friendly, knowledgeable, and genuinely care about my business’s success. It’s a refreshing change compared to the run-around I’ve experienced with other providers in the past.

    Security is a top priority for me and my customers, and I can confidently say that Alliance Bankcard Services has it covered. Their security measures are top-notch, and I feel reassured knowing that my customers’ data is safe and protected.

    Since making the switch to Alliance Bankcard Services, I’ve not only saved money but also gained peace of mind. I no longer worry about payment processing hiccups or hidden fees. It’s such a relief to work with a partner who truly understands my business and has my back.

    If you’re a small business owner like me, I can’t recommend Alliance Bankcard Services enough. They’re professional, reliable, and genuinely care about their customers’ success. Give them a shot, and you’ll see the positive impact they can make on your business. They’ve certainly earned my trust and loyalty.

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