American Payment Systems Reviews & Complaints

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Overview

In this review of American Payment Systems (APS), we provide a detailed overview of the company's merchant account services. We will discuss the range of services APS offers, such as EMV card readers, POS solutions, and virtual terminals, and identify the types of businesses that may benefit from these services. We will also examine client and customer reviews to highlight common trends and potential concerns. Additionally, we will cover APS's pricing structure, contract terms, and specific services included. By the end of this article, you will have a clear understanding of whether APS is the right fit for your payment processing needs.

About American Payment Systems

American Payment Systems is a medium-sized merchant account provider founded in 2001. The company provides services and credit card terminals that allow merchants nationwide to accept checks, credit cards, and debit cards. American Payment Systems (APS) appears to use First Data (now Fiserv) as its primary backend processor.

American Payment Systems Payment Processing

American Payment Systems processes all major debit and credit cards for most business types. Their services include EMV card readers and swipers, POS solutions from a wide number of POS creators, wireless processing, access to virtual terminals, and loyalty and rewards programs.

American Payment Systems Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A
Recent Lawsuits No

Low Complaint Volume

American Payment Systems currently has only a small number of public complaints on this platform. One complaint revolves around a negative telemarketing experience. In response, a company representative clarified that American Payment Systems does not engage in any form of telemarketing. Since American Payment Systems appears to resell First Data’s (Fiserv) services, it’s plausible that any customer service issues are directed at First Data (Fiserv) instead. If you have your own experience with American Payment Systems, feel free to share it in the comments below.

Legal History and Penalties

As of our investigation, there are no outstanding class-action lawsuits or FTC complaints against American Payment Systems. Dissatisfied clients seeking an alternative to litigation are encouraged to report their concerns to the relevant supervisory organizations.

Customer Support Options

American Payment Systems provides various customer support options on its website, including a dedicated support phone number, a customer support form, and a support email address. This arrangement suggests that American Payment Systems itself does not take on direct live support responsibilities, which precludes it from placing among the top-rated providers for great customer service. Given the absence of complaints filed against the company, however, we are awarding it an “A” at this time.

American Payment Systems Customer Service Number

Other Support Options

American Payment Systems Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Reports 0

Under 5 Complaints

American Payment Systems has been an accredited business of the Better Business Bureau since 2001. The BBB is awarding the company an “A+” rating. Over the last 36 months, no complaints have been filed against American Payment Systems.

An “A” Performance

Considering the company’s low complaint total and resolution ratio, we agree with the BBB’s rating at this time.

American Payment Systems Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties Yes
Monthly & Annual Fees Yes
Processing Rates Variable
Equipment Leasing Yes

Understanding American Payment Systems Contracts

Details about American Payment Systems’ rates and contract terms are somewhat limited in the public domain. Due to their use of independent sales agents, contract specifics, including rates and terms, might vary based on the agent and the business in question. American Payment Systems likely employs First Data (Fiserv) for its processing, suggesting that their contract could resemble the standard First Data (Fiserv) agreement. Typical terms include a swiped rate of 2.69% plus $0.19 and a keyed-in rate of 3.69% plus $0.19 for businesses processing up to $50,000 monthly. Higher volume businesses may receive reduced rates. A common First Data (Fiserv) contract also comprises an early termination fee of $495 and a monthly PCI compliance fee of $19.95. Business owners should thoroughly review their contracts, keeping in mind that many fees are subject to negotiation.

Virtual Terminal and Payment Gateway Pricing

In addition to storefront payment processing, American Payment Systems promotes its virtual terminal and payment gateway services, utilizing EFSNET services for the virtual terminal. Specific pricing details for these platforms are not explicitly provided on the company’s website. Generally, additional fees such as gateway fees, technical support fees, batch fees, and transaction rates may apply to these e-commerce services.

Equipment Lease Clarifications

A complaint in the review section suggested a $3,000 cost over three years for a $500 terminal. However, this situation may be related to First American Payment Systems, known for such issues, rather than American Payment Systems. American Payment Systems’ website lists outright prices for credit card terminals (e.g., $349.99), indicating they prefer to sell rather than lease equipment.

Customer Satisfaction and Negotiable Pricing

The lack of significant complaints against American Payment Systems suggests client satisfaction with their pricing, though it’s advisable for businesses to negotiate to get closer to the rates offered by the most affordable merchant accounts. If you have insights into the company’s contract terms, sharing them in the comment section would be valuable.

For broader payment processing options, exploring our selection of top merchant account providers is recommended.

American Payment Systems Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers Yes
Telemarketing No
Misleading Marketing No
Discloses All Important Terms No

Outside Sales Team

APS appears to hire independent sales agents to market its services. This is a common practice in the industry that can often result in a sales force comprised of untrained, unregulated agents who fail to disclose important contract terms. As of this update, there are very few negative American Payment Systems reviews, so it would appear that the company oversees its agents with a greater degree of diligence than is typical of the industry. According to the company’s response to a complaint posted beneath this review, American Payment Systems does not utilize telemarketing as part of its sales strategy.

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

No Deceptive Rates

APS also does not promote any misleading rate quotes or unrealistic guarantees in its official materials. If you suspect that the company is adding hidden fees to your contract, we recommend seeking a third-party statement audit to find and eliminate undisclosed charges.

Our American Payment Systems Review Summary

Our Final Thoughts

American Payment Systems (APS) stands out as an above-average credit card processing provider based on our criteria. Its relatively strong performance and service make it a solid choice for businesses seeking dependable merchant account solutions. However, it’s crucial to emphasize that a processor with a similar name, First American Payment Systems, holds a considerably poorer reputation and could easily be mistaken for APS in search results.

The distinction between these two providers is critical, given APS’s near-pristine record, boasting almost zero complaints, which speaks to the high level of customer satisfaction. This solid track record ensures businesses can feel confident when choosing APS to manage their credit card processing needs. Despite this positive outlook, it’s always beneficial to explore a range of options. We recommend that businesses compare APS’s pricing and features with those offered by top-rated credit card processors to secure the best deal and meet their specific payment processing needs effectively.

Location & Ownership

American Payment Systems is headquartered at 7025 S 115th St Plaza, #102, La Vista, NE 68128. The company is an MSP of First Data (Fiserv), i3 Verticals, TSYS, TransFirst, and Clearent. Jim Barnes is the company’s owner and president.

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Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did American Payment Systems Treat You?

6 User Reviews

    • Jim Barnes

      American Payment Systems

      My American Payment Systems, Inc located in Omaha, Nebraska, for past 25 years has never had any contract terms. From day one, we have only offered MONTH-TO-MONTH contracts and have NEVER had any early termination fees. And we also have never just arbitrarily cancelled any of our merchants accounts. This is false information and probably has us mixed up with the other 5 or 6 companies in the U.S. that have also used the name American Payment Systems. We had our name trademarked so not sure how other companies are able to choose that name, but they have.
      Respectfully,
      Jim Barnes
      President/CEO
      (402) 502-9985
      [email protected]

  • eric nakamura

    American Payment Systems cold call and actually will harass you. I received 5 phone calls in a row from an agent who said, “If you’re listed, how can I be harassing you? She proceeded to say, I’ll keep calling until you listen to me.” It’s this type of company that you should not work with.

    • Jim Barnes - CEO

      Mr. Nakamura, I’m sure sorry you had a bad experience, but I can assure you it was not with my company American Payment Systems in Omaha, NE. My surety comes from the fact that w do not do any telemarketing whatsoever and never have. And being family owned for over 30 years I can also assure you that we never would allow any staff member of APS to talk with or conduct business with one of our merchants or even a prospective merchant in that manner. Again my apologies for your experience but it was not with my company.
      Jim Barnes – President / CEO American Payment Systems

      • Ronnie Herrera

        Jim Barnes – President / CEO American Payment Systems

        Your company just called me and portrayed themselves as the business above my merchant bc I have attained a new credit rating.

        The agent goes on to list my business to me as if he is familiar with me I ask him ok well who is my merchant? cold not answer that but stayed with that my credit score is great, he continues to try to book an appointment with me and I ask him is this a sales call he goes no not at all!

        so we book a time and at the end he ask what is my current check amount at? I tell him he does not need to know if this is not a sales call. more BS from him then I hang up.

        then a third call sure sounds like harassment, so 1. Tiffany called my business freaked out my employee by saying it was urgent that I call, She is so new I hear her beg the manager to please take the call then I talk to him he asked for check amount then I said no and hung up, 2. He calls me again, he asked again for the check amount I hang up on him again. 3. call from your company for a third time, she states that she is a floor supervisor and wants to clear things up, I ask her “are you above my current processing company” she says Yes! I ask really then why can you not name them bc we are a national company and they are a local company then says heartland I’m like nope. I flat out ask is this a sales call? she says no! but if you like what we have you may want to switch LOL!!!!!!!

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