American Payment Solutions Review: Fees, Complaints, & Lawsuits

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American Payment Solutions Rating
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Note: As of 2022, American Payment Systems has rebranded as REPAY. We will therefore no longer be updating this profile.

Offering Merchant Services Since 2004

Founded in 2004, American Payment Solutions is a merchant account provider that serves merchants in the U.S. and Canada. Headquartered in Mesa, Arizona, the company also operates under the name North American Payment Solutions. American Payment Solutions is a reseller of Elavon.

American Payment Solutions Location and Ownership

American Payment Solutions is a registered ISO and MSP of Esquire Bank, Esquire Bank NA, Jericho, NY , and of Elavon, Inc. Georgia. American Payment Systems is headquartered at 5646 E Main St, Mesa, Arizona 85205. David Ford is listed as the CEO of American Payment Solutions.

American Payment Solutions Review Table of Contents

  • Costs & Contract: American Payment Solutions appears to offer a three-year contract through TSYS with a variable early termination fee.
  • Complaints & Service: American Payment Solutions complaints number fewer than 10 on public complaints forums.
  • BBB Rating: American Payment Solutions has an “A+” rating with the Better Business Bureau and has received 0 complaints and 2 reviews in the past 3 years.
  • Sales & Marketing: American Payment Solutions does not engage in misleading sales tactics and has received only one complaint about its sales team.

American Payment Solutions 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

Low Complaint Total

We are currently unable to locate any American Payment Solutions complaints that accuse the company of being a ripoff or a scam. In fact, there are only a few negative reviews of the company outside of the BBB at this time, and they mention unrealistic guarantees, questionable sales tactics, and poor customer service. One American Payment Solutions complaint from an employee describes unethical managerial practices and seems to confirm the company’s tendency for bait-and-switch tactics echoed in another complaint. American Payment Solutions’ low complaint total indicates to us that the company employs a capable and responsive customer service staff that generally does an effective job of resolving complaints in-house.

American Payment Solutions Lawsuits and Fines

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

American Payment Solutions Customer Service Options

It is also possible that some American Payment Solutions complaints get redirected to the online profiles of its processor, TSYS, but there is no evidence that this is occurring. Additionally, complaints meant for American Payment Solutions could be misdirected to other payment processors with similar names, such as American Payment Systems. The American Payment Solutions website appears to offer a dedicated phone line and email address for customer support but is not considered to be a top-rated merchant account provider for customer service.

American Payment Solutions Online Ratings

Here's How They Rate Online

Online Ratings Summary
Item Result
Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

No BBB Complaints

American Payment Solutions has been an accredited business with the Better Business Bureau since 2015. As of this review, the company has an “A+” rating with the BBB and has not had any complaints filed against it in the last 36 months.

What Merchants Say

Although American Payment Solutions has not received any complaints on its BBB profile, the company has received 2 informal reviews. 1 review is positive in tone while 1 is negative. That negative review is the most recently posted to the company’s profile by a merchant detailing a myriad of undesirable contract terms, among other issues:

Terrible lease, misrepresentation by sales, tech support never returns call or fix problem. Did not honor 30 day cancellation. Do not sign or read small print that they don’t tell you and lie about..48 month non cancellation fees and once sign don’t take responsibility for all the lies and bs problems. Terrible company only reason they get 1 star is because I had to in order to leave review

Merchant account contracts are as intricately written as any and require a thorough review before signing. Equipment leases like those referenced in this complaint can be especially costly, making it imperative to find terms and conditions the are uniquely suited for a merchant’s needs.

An “A” Performance Overall

Given the company’s clean complaint record and resolution ratio, we agree with the BBB’s rating. Merchants should still be aware that there are good reasons to be skeptical of the BBB’s reviews.

American Payment Solutions Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Item Result
Swiped Rate 2.50% + $0.20
Keyed-in Rate 3.50% + $0.20
Virtual Terminal Rate
Early Termination Fee $295
PCI Compliance Fee $75.20 Per Year ($18.80 charged each quarter)
Equipment Lease Terms Variable

American Payment Solutions Pricing

An American Payment Solutions representative has stated that the company’s standard contract term is a three-year agreement through TSYS, although the company is flexible on the service length. For reference, typical TSYS rates vary around a swipe rate of 2.50% plus $0.20 and a keyed rate of 3.50% plus $0.20. A standard TSYS also includes a PCI compliance fee of PCI compliance fee of $18.80 charged quarterly.

The company representative also stated that American Payment Solutions will not charge early termination fees (ETF) if a merchant goes out of business, sells his or her business, or gives American Payment Solutions an opportunity to match the better rates being offered by another company. In other words, a merchant will only experience an ETF if the merchant cancels service before the end of the contract without offering American Payment Solutions a chance to match a competing offer. TSYS contracts typically include a $295 ETF in the event the company chooses to exercise the fee.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, American Payment Solutions also dedicates a portion of its website to advertising its virtual terminal and payment gateway services through Magento. 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.

Early Termination Fee Complaints

At the time of a previous update, there was a Better Business Bureau complaint against American Payment Solutions that mentioned an early termination fee of over $1,000, and another complaint filed in the comment section below this review describes a similarly large fee. This unusually high fee may indicate a liquidated damages clause. The Better Business Bureau complaint went unaddressed by American Payment Solutions reps, but the complaint in our comment section received a response from a representative who denied that the merchant was an American Payment Solutions client.

Level 2 and Level 3 Processing Services

In addition to its traditional merchant services, American Payment Solutions also advertises that it provides Level 2 and Level 3 processing for B2B and B2G transactions. 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.

Few Contract Complaints

The low number of specific complaints about the company’s costs and pricing leads us to believe that most American Payment Solutions clients are satisfied with the service they receive. We therefore assign the company an “A” rating for the time being, but we do not consider it to be an especially cheap merchant account provider.

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

American Payment Solutions 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

Inside Sales Team

American Payment Solutions appears to market itself through its referral network and an in-house sales staff. According to a company representative, APS does not utilize sub-ISOs or independent sales agents to acquire new clients. APS does form strategic partnerships as a sort of reseller relationship (for instance, offering its services to various professional associations), but this is not the same as a standard credit card processing industry reseller.

This compares favorably to our list of best credit card processors.

No Deceptive Advertising

We are currently able to locate only one American Payment Solutions complaint that is related to the company’s sales team, and this complaint states that APS representatives misrepresented the services they were capable of providing. To its credit, the company does not appear to engage in any deceptive advertising strategies in its official materials. If you suspect that American Payment Solutions is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden costs.

Our American Payment Solutions Review Summary

Our Final Thoughts

Solid Option for Most Standard-Risk Merchants

American Payment Solutions rates as a reliable merchant services provider according to our rating system. The company is showing very few complaints outside of the BBB and does not appear to engage in deceptive marketing tactics. Even when dealing with highly rated credit card processors, merchants are encouraged to carefully review all contract terms and to compare American Payment Solutions’s pricing to the top-rated overall payment processors.

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Your Comments & Reviews

How Did American Payment Solutions Treat You?

3 Responses

  • American Payment Solutions Payment Gateway For WooCommerce

    I have seen mixed reviews about this company from different merchants. I can tell you as a developer these guys are great to work with. Our customers seem to really like their service and we are happy to help them. We make it very easy to integrate WooCommerce with American Payment Solutions for merchants.

  • This company is the worst. We had an agent come in and tell us how great this company was and that if we cancelled there would be no cancelation fees. He even crossed it out in the contract. Later we cancelled with them and they took 1288 dollars out of our account. When we confronted them, they said it doesn’t matter what there agent said because he is separate from them and that the original writing in the contract remains.

    • Phiilip Heath

      Hi Amy,
      Unfortunately you have posted your comment under the wrong company profile. We do not have agents we have employee’s that work directly for our company. This would have had to come across senior managements desk for any monies to be taken from your account. I’ve checked with all managers in our company and this has not happened. Please remove this post as this is clearly not our company. Please feel free to reach out to me directly if you have any questions.
      Thank you,
      Phillip Heath
      American Payment Solutions.

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