Note: As of January 2022, the Alpine Payment Systems website is no longer functioning. We have no indication of activity from the business since 2019. We therefore believe the company is out of business, and we will no longer be updating this review. If you have any information that the company is still functioning, please let us know in the comments below.
Acquired By TouchSuite
Alpine Payment Systems is a merchant account provider founded in 2006 and based in Vancouver, Washington. The company also goes by the alternative names of IQ Payment Systems and, simply, Alpine Payments. Alpine Payment Systems was acquired by TouchSuite in July 2018, but continues to function as its own brand; it primarily operates as an Independent Sales Organization for First Data (Fiserv), Chase Paymentech, and First American Payment Systems and offers a broad range of merchant services.
Alpine Payment Systems Payment Processing
Alpine Payment Systems processes most major credit and debit cards for most business sizes. Their services include multiple point-of-sale solutions, multiple ATM solutions, mobile payments, gift and loyalty solutions, cash advances, card swipers, Grubbrr self-service solutions, tokenization and encryption, and payment gateways through Authorize.net, NMI, USAePay, or Converge.
Headquartered in Vancouver, Washington
Alpine Payment Systems is a registered ISO/MSP of Wells Fargo Bank. N.A., Walnut Creek, California, and Fifth Third Bank, Cincinnati, Ohio, with headquarters located at 1111 Main St, Suite 201, Vancouver, Washington 98660. Robert Ensminger is listed as the president and CEO of Alpine Payment Systems in addition to serving as the CEO of Executech Lease Group.
Alpine Payment Systems Review Table of Contents
- Costs & Contract: Alpine Payment System offers a three-year contract through either First Data (Fiserv) or Chase Merchant Services with a variable early termination fee and non-cancelable lease agreement. The company relies on Authorize.Net, NMI, Converge, and USAePay for online payment gateways.
- Complaints & Service: Alpine Payment System has received more than 40 public complaints.
- BBB Rating: Alpine Payment System has two profiles with the Better Business Bureau, one of which has no rating and has received 0 complaints and 0 reviews in the past 3 years and one of which has an “A+” rating and has received 0 complaints and 1 review in the past 3 years.
- Sales & Marketing: Alpine Payment System employs independently contracted sales reps and has received a moderate volume of sales-related complaints.
Alpine Payment Systems Customer Reviews
Here's What Their Clients Say
|Total Online Complaints
|Live Customer Support
|Most Common Complaint
Moderate Complaint Volume
We are currently able to locate over 40 negative Alpine Payment Systems reviews, some of which accuse the credit card processor of being a scam or a ripoff. Common complaints among merchants include high early termination fees, deceptive sales practices, expensive equipment leases, and aggressive telemarketing. Representatives of Alpine Payment Systems have responded to many of these complaints with varying degrees of sincerity and professionalism. Complaints against the company have been posted consistently over the past three years.
Alpine Payment Systems Lawsuits and Fines
In 2019, Alpine was sued for an alleged breach of contract with a business partner who had purchased the rights to revenue for a period of time. We can not find a conclusion to this case, and it may still be ongoing. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
Alpine Payment Systems Customer Service Options
The Alpine Payment Systems website offers dedicated phone and email support contact information, although it is unclear whether these channels are serviced by Alpine Payment Systems or by one of its processors. The company’s support channels are currently insufficient to qualify it as a top-rated payment processor for customer service.
Alpine Payment Systems Online Ratings
Here's How They Rate Online
|Product & Service Complaints
|Billing & Collection Complaints
|Advertising & Sales Complaints
|Guarantee & Warranty Complaints
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.
Under 10 Complaints
As of this review, Alpine Payment Systems (under the name “AB-Alpine SPE, LLC”) has a rating of “A+” with the Better Business Bureau and one profile under “Alpine Payment Systems” has no rating. Across the two profiles, the company is currently showing 0 complaints in the last 36 months.
What Merchants Say
Alpine Payment Systems also has received 1 informal review, negative in tone. The most recent review describes poor customer service and constant calls:
I started receiving phone calls from the company a couple months ago. They have harassed me for months, i have received over 50 phone calls. When i explained to the employee on the phone i am not interested her response was ” I will call back later”. She did not believe me when i said i was in charge. I dont suggest working with this company. There are much better more prominent and known payment processing companies out there and i suggest you go with somebody else. If there customer service reflects there work god help you! Today i called a manger and let them know i will be contacting my attorney if i receive another phone call. I run a legitimate business and cant be harassed everyday with these calls. I will be submitting a complaint to BBB as i see im not the only one with this problem!
These sales tactics and calling behavior are not indicative of a merchant account offering excellent customer service.
A “B” Rating
At the time of our previous update, the BBB had posted a notice on Alpine’s profile stating that it has received reports of high-pressure sales tactics as well as discrepancies between verbal offers and contractual language. This has since been removed and does not appear to have negatively affected Alpine’s BBB score. In light of the company’s complaint total and resolution ratio, we have adjusted the BBB’s rating to a “B.”
Alpine Payment Systems Fees, Rates & Costs
A Closer Look at The Contract
|1.00% - 4.99%
|1.00% - 4.99%
|Virtual Terminal Rate
|2.9% + $0.30
|Gateway Setup Fee
|Up to $100
|$25 Per Month
|Early Termination Fee
|Up to $79
|PCI Compliance Fee
|$199 Per Year
|Equipment Lease Terms
|48 Month (locked)
Alpine Payment Systems Pricing
The most recent available Alpine Payment Systems contracts show that the company offers services through either First Data (Fiserv) or Chase Paymentech, now Chase Merchant Services. Both agreements include three-year service terms with an automatic renewal for 1 year. The Chase Paymentech contract specifies an early termination fee (ETF) of $350, while the First Data (Fiserv) agreement appears to include a variable ETF. We have located evidence that the company charges a PCI Compliance fee of $199 and a non-compliance fee of $19.95 per month, and some merchant complaints report annual fees ranging from $59 to $79.
Virtual Terminal and Payment Gateway Pricing
The Alpine Payment Systems website emphasizes its options for e-commerce solutions. Its virtual terminal and payment gateway services are in partnership with Authorize.Net, NMI, Converge, and USAePay. Under a typical Authorize.Net contract, transactions made through the company’s payment gateway are assessed at a flat rate of 2.9% plus $0.30. Additionally, a gateway fee of $25 per month and a batch fee of $0.10 are included. USAePay also charges a gateway fee of $25 per month as well as a setup fee of up to $100. Additional fees such as technical support fees may also apply to RedFynn’s payment gateway services.
Level 2 and Level 3 Processing Services
In addition to its traditional merchant services, Alpine Payment Systems also advertises that it provides Level 2 and Level 3 processing for B2B and B2G transactions through its Authorize.Net and USAePay payment gateways. Level 2 and Level 3 processing rely upon different interchange rates than traditional consumer credit transactions. Accommodating those rates requires different payment processing technology from a merchant account provider to transmit the amount of data required to facilitate the transactions. These services are reserved for B2B and B2G purchases that utilize corporate credit cards.
Beware Equipment Leases
In addition, the company appears to have at one point sold equipment leases through Northern Leasing, a company notorious for issuing long-term, expensive, non-cancellable equipment leases. It is unclear whether Alpine Payment Systems still sells equipment through Northern Leasing, Executech Lease Group, or First Data Global Leasing, but merchants are advised to watch out for a long-term, non-cancellable lease either way and to consider opting for a recognized cheap merchant account provider, instead. We also encourage merchants to check out our list of the providers of the best merchant accounts.
Alpine Payment Systems Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Employs Independent Resellers
|Advertises Deceptive Rates
|Discloses All Important Terms
Alpine Payment Systems utilizes telemarketing and independent sales agents to market its services. These tactics used in conjunction often result in high complaint rates for companies, and Alpine appears to be no exception. We are currently able to locate dozens of Alpine Payment Systems complaints that cite deceptive conduct by the company’s sales agents, including nondisclosure of terms, misrepresentation of rates, and aggressive sales tactics both over the phone and in person. In cases where Alpine had an opportunity to respond to these merchant complaints, the company sometimes provided a professional rebuttal, and on other occasions, it stated that the customer had signed a contract and was bound to its terms, regardless of what a sales agent had told the merchant. This does not compare favorably to our list of best credit card processors.
No Deceptive Advertising
To its credit, Alpine Payment Systems does not appear to engage in deceptive advertising strategies in its official materials, and at one point it even provided its contracts and other information on its website. However, this does not compensate for the numerous reviews citing unpleasant sales experiences. If you suspect that Alpine Payments is charging you undisclosed fees, we recommend seeking a third-party statement audit to eliminate hidden costs.
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