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Alpha & Omega Payment Processing Review
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Updated 2/5/2019: The Alpha & Omega Payment Processing website is currently inactive and appears to have been unavailable since late 2015. According to merchant complaints and the Alabama Business Registry, Alpha & Omega Payment Processing has changed its name to PayZoom. We plan to publish a review for PayZoom in the near future.
Founded in 2006, Alpha & Omega Payment Processing (aopsales.com) is a merchant account provider with headquarters in Daphne, Alabama. The company appears to be a reseller of Merchants’ Choice Payment Solutions contracts and should not be confused with Alpha Card Services, Omega Processing, or Omega Bank Card Services. The company is a registered ISO/MSP of Woodforest National Bank, Houston, Texas, and is headquartered at 9599 Pleasant Rd, Daphne, Alabama 36526. Nate Roulston is listed as the company’s founder and former CEO, but there is no public information about the company’s current leadership.
Alpha & Omega Payment Processing Customer Reviews
Here's What Their Clients Say
|Total Online Complaints||<10|
|Live Customer Support||Yes|
|Most Common Complaint||N/A|
We have not located any negative Alpha & Omega Payment Processing reviews on any of the usual consumer protection websites, indicating that the company is far from being a scam or a ripoff. This low complaint rate suggests that the company provides adequate live support options to its merchants and does an exceptional job of resolving complaints in-house. It’s possible that some complaints intended for the company are instead mistakenly filed against Merchants’ Choice Payment Solutions, but in the absence of any evidence that this is occurring, we will assume that the company simply provides excellent service.
Alpha & Omega Payment Processing Online Ratings
Here's How They Rate Online
The Better Business Bureau does not currently maintain a profile for Alpha & Omega Payment Processing. We will therefore not factor a BBB rating into the company’s overall score.
Alpha & Omega Payment Processing Fees, Rates & Costs
A Closer Look at The Contract
|Early Termination Fee||None|
|PCI Compliance Fee||$6.95 Per Month|
|Equipment Lease Terms||Variable|
We have found a sample Alpha & Omega Payment Processing contract from 2010/2011 (available below) that outlines a three-year agreement through Merchants’ Choice Payment Solutions with no early termination fee, a monthly PCI compliance fee of $6.95, a monthly minimum fee of $35, a monthly service fee of $10, a monthly PIN debit access fee of $5, and other assorted fees. The rates and fees in this contract are more competitive than industry averages, especially considering that the company appears to also offer Interchange-plus pricing. In addition, we have found no merchant complaints regarding Alpha & Omega’s contract terms, indicating that most of the company’s merchants are satisfied with the rates they pay. Even so, it is unclear whether the terms outlined in this agreement are standard for the company, and it’s also possible that the company may have other backend processors besides Merchants’ Choice. If you have more current or specific knowledge of the standard Alpha & Omega contract, please share that information in the comment section of this review. See the Alpha & Omega Payment Processing Merchant Agreement and the Alpha & Omega Payment Processing Merchant Application.
Alpha & Omega Payment Processing Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Employs Independent Resellers||No|
|Advertises Deceptive Rates||No|
|Discloses All Important Terms||No|
Alpha & Omega appears to market its services primarily through strategic partnerships and traditional advertising. There is no indication at this time that the company employs independent sales agents, and we cannot find any Alpha & Omega Payment Processing negative reviews that accuse the company’s sales team of unethical conduct.
The Alpha & Omega website lists a promotional rate quote of “as low as 0.05% + $.22 per transaction.” At first glance, this looks like a standard industry “teaser” rate that only lists the company’s Qualified rate without mentioning the Mid-Qualified and Non-Qualified rates that merchants will pay for the majority of transactions. However, the company also actively advertises Interchange-plus pricing in its promotional materials, which would rule out the possibility that it utilizes Qualified, Mid-Qualified, and Non-Qualified tiers. It therefore seems most likely that this rate is either the company’s standard markup above interchange or its PIN debit rate. While this is still an incomplete rate quote that could confuse merchants, it does not seem as likely to give them an unrealistic expectation of the fees the will pay as other, more common rate quotes of this type. We will therefore not reduce the company’s score too severely in this section.
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