Alliance Bankcard Services 2023: Reviews & Complaints

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Alliance Bankcard Services
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Alliance Bankcard Services

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PhonePhone(800) 503-6222 View Pricing

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.

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.

Table of Contents

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Alliance Bankcard Services Reviews and Complaints

Here's What Their Clients Say

Complaint Summary

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

Low Complaint Total

We are currently able to locate more than 10 negative Alliance Bankcard Services reviews across all consumer protection websites, and a few of these complaints accuse the company of deceptive conduct. Commonly cited issues include undisclosed fees, unexpected termination penalties, and misleading Alliance Bankcard Services rate quotes. Alliance Bankcard has not publicly addressed any of these complaints. There are also a handful of positive testimonials about the company, but they do not offer very specific details except for the regular availability of the company’s customer service. If you have your own Alliance Bankcard Services review to make, please do so in the comments below.

Alliance Bankcard Lawsuits and Fines

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

Alliance Bankcard Customer Support Options

Overall, this is a low-to-moderate complaint record for a company of Alliance’s size and time in business, and we have assigned it a “B” as a result. Alliance offers phone numbers and a contact form on its website, but it’s unclear whether these channels connect to customer support. This is one reason why the company does not rank among our top-rated payment processors for great customer service.

Alliance Bankcard Customer Service Number

  • (800) 503-6222 – Toll-Free Customer Support

Other Support Options

Alliance Bankcard Services BBB Rating and Report

Our Better Business Bureau Profile Assessment

BBB 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.

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Alliance Bankcard Services Fees and Rates

A Closer Look at the Contract

Don't Fall Into An Expensive Trap. See Who The Worst Processors Are.

Cost Summary

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

Three-Year Contract

There is very little publicly available information about the standard Alliance Bankcard Services contract at this time. Client complaints describe a three-year contract with either interchange-plus or tiered pricing, an undisclosed monthly minimum fee, and an early termination fee that ranges from $295 per account cancellation to $1,500 per terminal. Nearly all Alliance Bankcard Services complaints mention a multi-year agreement with higher-than-expected monthly fees and high early termination fees. Business owners should thoroughly review potential contract terms to avoid their expensive costs. The reason for the variation among complainants is unclear, but it’s probable that Alliance Bankcard offers different pricing depending on each business’ type, size, and time in business.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Alliance Bankcard Services also dedicates a portion of its website to advertising its virtual terminal and payment gateway services, run through Authorize.Net and Converge. However, pricing will depend on which of these payment gateways a business utilizes. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services

Industry-Average Pricing

In general, the existing information about Alliance’s contract terms suggests that the company’s pricing is not competitive with budget-friendly merchant accounts. We have assigned it a “B” in this category for the time being. If you have any specific knowledge of the standard Alliance Bankcard Services contract, please share that information in the comment section below this review.

We also encourage business owners to check out our list of the providers of the best merchant accounts.

Alliance Bankcard Services Jobs and Employment

Hiring Standards and Ethical Marketing Assessment

Audit Your Current Statement To Find Its Hidden Fees

Processing statements are intentionally complicated so that they can overcharge you. Get clarity before you switch.

Key Points

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.

Alliance Bankcard Services Review Summary

Our Final Thoughts and Opinions

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 raised its score, while complaints related to its sales practices and fees have lowered its score. Our rating is likely to change once more information becomes available about Alliance’s contract terms. For now, businesses can obtain the best deal by comparing Alliance Bankcard Services’ pricing to that offered by top-rated credit card processors.


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Customer & Employee Reviews

What Others Are Saying About Alliance Bankcard Services

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About The Author

Phillip Parker is the creator and author behind this website. He has over 15 years of experience in the credit card processing industry as a journalist, consultant, and former merchant account sales professional. He started this project as a blog to expose merchant services providers that engage in predatory business practices, such as deceptive marketing, misleading pricing, and high-pressure sales tactics. His goal is to help business owners find merchant account providers who serve their industry well while offering fair rates with no junk fees and no long-term commitments.

Phillip has researched over 1,000 payment processors and been quoted in numerous high-profile publications, including the Los Angeles Time, INC Magazine, The Atlantic, and the Miami Herald among others.

Need advice on card acceptance? Schedule a consultation with Phillip.

Phillip’s Top Processor Picks:
Retail, restaurant, e-commerce, mobile, professional services, and invoicing, Phillip recommends Helcim and CDG Commerce.

High-risk businesses, Phillip recommends PaymentCloud and Host Merchant Services.

How Our Ratings Work

Please note that our rating system was overhauled on April 26th, 2023. Reviews dated before this date may not score in accordance with the following.

Star Rating Criteria:

At the start of our research, all processors are awarded five stars. We deduct stars if the processor engages in any of the following:

– One star deduction if the processor has any junk fees.

– One star deduction if the processor does not post its pricing clearly on its website.

– One Star deduction if the processor is suffering from moderate client complaints.

– Multiple Star deductions if a processor is suffering from severe complaints, imposes unjust cancellation fees, markets non-cancellable equipment leases, engages in predatory rate pricing, or may be engaged in illegal activities.

Get all of the details regarding out rating criteria here.

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