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Allied Commercial Financial is a Tempe, Arizona-based merchant account provider that serves most standard-risk business types. The company is a reseller of First Data (now Fiserv) products and services. The company states that it was founded in 2012, although there is no record of its website being active before October 2014.
Allied Commercial Financial Payment Processing
Allied Commercial Financial processes most major debit and credit cards. Their services include POS systems through Clover, EMV swipers, mobile payment through Aprivapay Plus, a virtual terminal, recurring billing, a customer vault, payment reporting, and cash advances.
Location & Ownership
Blake Zinke is listed as the COO of Allied Commercial Financial and also appears to be a former employee of Paradigm Direct, Entrust Bankcard, and MobiSquad. Zinke also serves as the COO of TAPLocal Marketing, an online marketing firm that also provides payment processing services. Multiple other former MobiSquad employees from the Tempe, Arizona area now appear to work at Allied Commercial Financial. Allied Commercial Financial is a registered ISO of Wells Fargo Bank, N.A., Concord, California. Allied Commercial Financial and TAPLocal Marketing are both headquartered at 2150 S Country Club Dr #18, Mesa, AZ.
The Allied Commercial Financial website also lists another address at 345 St Peter St #705, St Paul, MN, which the company describes as its “Minnesota Processing Center.” This address is actually the location of a merchant services company called Paradigm Services, Inc. which lists a “Tempe Contact Center” at Allied Commercial Financial’s address and has a name that is obviously similar to “Paradigm Direct.” Scott Andrew is the owner of Paradigm Services. An independent informant has stated to us that Paradigm Services is the actual registered ISO with Visa and MasterCard and that Paradigm Direct, MobiSquad, Entrust Bankcard, a company called ETS, and now Allied Commercial Financial are all more or less the same company operating as a sub-ISO of Paradigm Services. Much of the information we have found supports the informant’s claims, but they remain unverified at this time.
Table of Contents
- Costs & Contract: Appears to offer a multi-year contract through First Data (Fiserv) with…
- Complaints & Service: Complaints number over 10 on…
- BBB Rating: Has no rating with the Better Business Bureau and has received…
- Sales & Marketing: Appears to hire independent sales agents and has received…
Allied Commercial Financial Reviews and Complaints
Here's What Their Clients Say
Total Online Complaints
Live Customer Support
Most Common Complaint
Moderate Complaint Total
We are currently able to locate about 20 negative Allied Commercial Financial reviews, some of which accuse the company of being a scam. These Allied Commercial Financial complaints have been filed at a consistent rate since this review’s initial publication, and most of them describe aggressive sales tactics, persistent telemarketing calls, nondisclosure of equipment lease terms, and higher-than-expected rates and fees.
There are also a handful of complaints filed against Paradigm Direct, Entrust Bankcard, MobiSquad, and Azura Leasing that specifically name current or former employees of Allied Commercial Financial. An Allied Commercial Financial representative has stated that some complaints against the company have been filed by a disgruntled competitor, but we have not received adequate documentation to support this claim. Even if we were to discount the disputed complaints, the Allied Commercial Financial complaint total would be low for a company that has been active since 2012. The content rather than the quantity of these complaints has lowered the company’s rating in this section to a “C.”
Allied Commercial Financial Lawsuits and Fines
We found evidence of a legal Allied Commercial Financial complaint filed in an Arizona District Court on behalf of Stephen Christian against Paradigm Services Incorporated DBA Allied Commerical Financial. Paradigm was awarded a summary judgment as a defendant regarding its telemarketing practices, but specific details are not available
Allied Commercial Financial Customer Service Options
Allied Commercial Financial offers live phone support to its merchants, but some complainants have stated that any equipment lease issues must be resolved through the appropriate third-party leasing provider. This falls well short of our expectations for top-rated payment processors for great customer service.
We have located multiple Allied Commercial Financial customer service numbers:
(844) 311-4734 – Toll-Free General Customer Support
(480) 999-5632 – Local Office
(800) 228-0210 – Tech Support
(340) 244-4339 – USVI Support
Allied Commercial Financial also offers a customer support form on its website and two customer support emails:
[email protected] – General Contact
[email protected] – Customer Support
Allied Commercial Financial BBB Rating and Report
Our Better Business Bureau Profile Assessment
See Which Processors Offer No Monthly Fees And No Contracts.
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.
Low Complaint Total
The Better Business Bureau currently assigns no rating to Allied Commercial Financial. Allied Commercial Financial had received 2 complaints at the time of a previous review but now shows a clean complaint record.
An “A” Performance
Given the company has not accumulated any new complaints in the last 36 months, we have adjusted the BBB’s no rating to an “A” at this time.
Allied Commercial Financial Fees and Rates
A Closer Look at the Contract
Don't Fall Into An Expensive Trap. See Who The Worst Processors Are.
1.00% - 4.99%
1.00% - 4.99%
Virtual Terminal Rate
1.00% - 4.99%
Payment Gateway Fee
Early Termination Fee
$79 Per Month
Equipment Lease Cost
Up To $65 Per Month
Equipment Lease Length
48 Month (locked)
We have received a blank copy of the standard Allied Commercial Financial merchant application, but this document does not include any specific pricing details. According to merchant complaints, the standard Allied Commercial Financial contract is a multi-year agreement with a variable early termination fee and a long-term, non-cancellable equipment lease. Other Allied Merchant Financial fees appear to be built into the contract, but the available Allied Merchant Financial reviews do not specify the exact costs of PCI compliance fees, monthly minimum fees, statement fees, and per-transaction fees. We encourage merchants to check out our list of the providers of the best merchant services.
Virtual Terminal and Payment Gateway Pricing
In addition to its storefront payment processing services, Allied Commercial Financial also dedicates a portion of its website to advertising its virtual terminal and payment gateway. However, pricing is not disclosed on either of those services. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.
Allied Commercial Financial “Program Costs”
Merchants state that Allied Commercial Financial sales reps will typically claim to offer locked-in low rates in exchange for a fixed monthly “program cost” of up to $79. The independent informant who contacted us regarding the company has also stated that this is Allied Commercial Financial’s standard sales approach. Allied Merchant Financial complaints state that this program fee is in fact a non-cancellable lease for credit card processing equipment, and they further claim that they see an increase in fees rather than the savings that were promised. One Allied Commercial Financial complaint describes COO Blake Zinke using this exact tactic while working as a sales representative for Paradigm Direct and Entrust Bankcard.
Expensive Contract Terms
This pricing and contract structure is similar to terms offered by ElitePay Global and Harbortouch, and it is our belief that Allied Merchant Financial fees do not favor merchants. Equipment leases usually cost far more than the purchase price of the equipment over the life of the lease, and they do not allow dissatisfied merchants to cancel service. In addition, the claim that merchants can receive rock-bottom rates in exchange for signing a lease is a dubious one, as equipment leases are often separate agreements through third-party providers like First Data Global Leasing, MBF Leasing, and Azura Leasing. The consistencies between complaints filed against Entrust Bankcard, Paradigm Direct, and MobiSquad and those filed against Allied Commercial Financial suggest that the company’s contract terms are nowhere near competitive with budget-friendly merchant accounts.
Lease Cost Cap Claims
A company representative has stated that Allied Commercial Financial caps its lease agreements through First Data Global Leasing at $65 per month ($49 per month for outside sales agents), but we have not received any documentation corroborating this claim.
Allied Commercial Financial 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.
Employs Independent Resellers
Advertises Deceptive Rates
Discloses All Important Terms
Outside Sales Team
Allied Commercial Financial appears to primarily use a combination of telemarketing, inside sales, and outside sales reps to market its services. The combination of telemarketing and outside reps is commonly linked to elevated complaint rates within the credit card processing industry, and Allied Commercial Financial appears to be no exception. We are currently able to locate multiple Allied Commercial Financial reviews that cite excessive telemarketing calls, high-pressure sales tactics, and outright deception by sales agents. This does not compare favorably to our list of best credit card processors.
Allied Commercial Financial Review Details
These complaints describe a sales procedure that is typical of the industry: persistent, unwanted telephone calls trying to set up a “qualified” appointment which are then followed by a visit from a sales rep who promotes a monthly “program cost” that is in fact a long-term, non-cancellable equipment lease. A company representative has stated that these sales agents are “direct employees” of the company rather than independent contractors. If you suspect that one of these employees has misled you about the Allied Commercial Financial rates, you can double-check your monthly bill with a third-party statement audit.
Complaints Under Other Names
It is worth noting that these complaints bear strong similarities to complaints filed against Paradigm Direct, Entrust Bankcard, and MobiSquad, all of which are Arizona-based businesses that are linked to current or former employees of Allied Commercial Financial by merchant complaints. It is unclear at this time whether Allied Commercial Financial has an active relationship with Paradigm Direct, Entrust Bankcard, or MobiSquad, but the overlap of current and former employees suggests that the sales tactics used at Entrust, Paradigm Direct, and MobiSquad could have been adopted by Allied Commercial Financial. In any case, the company’s marketing practices seem to be average for the industry and have accordingly received a “C” rating. As a point in the company’s favor, it does not list any misleading “teaser” quotes on its website.
Allied Commercial Financial Review Summary
Our Final Thoughts and Opinions
An Average Option for Most Business Types
Allied Commercial Financial rates as an average merchant services provider according to all available information. The company has received a moderate number of complaints in the few years that it has been active, and these complaints describe industry-average contract terms and consistent problems with the company’s sales staff. Our rating for Allied Commercial Financial may be subject to change as the company continues to operate and develop a reputation within the industry, but merchants should be sure to compare the company’s pricing to that offered by top-rated merchant accounts.
Customer & Employee ReviewsWhat Others Are Saying About Allied Commercial Financial