Alpha & Omega Payment Processing Review

Alpha & Omega Processing Logo
Alpha & Omega Payment Processing Rating
full star idicating a 4.5 out of 5 star rating full star idicating a 4.5 out of 5 star rating full star idicating a 4.5 out of 5 star rating full star idicating a 4.5 out of 5 star rating empty star indicating a 4.5 out of 5 star rating

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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 ( 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

Customer Reviews Summary
Item Result
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

Cost & Fees Summary
Item Result
Swiped Rate Variable
Keyed-in Rate Variable
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?

Jobs & Marketing Summary
Item Result
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.

Our Alpha & Omega Payment Processing Review Summary

Our Final Thoughts

Alpha & Omega Payment Processing rates as a reliable merchant services provider according to all available information. The company’s services appear to be transparently presented and competitively priced, and there are no public complaints to be found against the company. Our rating for Alpha & Omega may change once the BBB establishes a profile for the company. Merchants are encouraged to always research any company before signing up for service, regardless of that company’s grade.

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Your Comments & Reviews

How Did Alpha & Omega Payment Processing Treat You?

5 Responses

  • This company has changed their name to Payzoom. It is the same owner.

  • They just tried to slam our account today. We cancelled them a long time ago but they are still trying to take funds from us.

  • Feather Burns

    DO NOT ALLOW THESE PEOPLE ACCESS TO YOUR BANK ACCOUNT. I am about to make my THIRD phone call to stop them from taking automatic withdrawals from an account that was CLOSED TWO YEARS AGO. Right after that, I’m calling every commissioner I can get the number for.

  • Alison Moore

    Our contract with Alpha and Omega Processing stated that there were no early termination fees. Two months after we cancelled, they started charging early termination fees and they charged us $395 for early termination. I have repeatedly contacted them since November for a refund. I was told in January that they would refund us. We still have not received refund. Now they are saying it is the sales executive’s responsibility and he is not even with the company any more. From what I understand, this has happened to at least 20 other companies.

    Are you with Alpha & Omega Processing? Learn how to resolve this complaint.

  • Jennifer ladner

    Company has changed name to Payzoom. It redirects to this when Google .

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