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Should You Rely on American Verification Processing Solutions?

Name: American Verification Processing Solutions
Item: American Verification Processing Solutions
Rating: 3.5
Author: Phillip Parker

Author: Phillip Parker

Updated: September 29, 2025

Maintained Since: April 19, 2012

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We take our role in providing guidance and education regarding the card payment industry very seriously. At our own expense, we have vigorously defended our right to continue expose unethical and predatory practices in the industry, successfully defeating every attempt to silence us. However, fending off frivolous lawsuits is costly. To sustain these efforts, one of the ways we generate revenue is through affiliate partnerships with ethical providers. This means that some of our outgoing links connect business owners to trustworthy, low-cost payment processors, which is what most of our readers seek. We see this revenue channel as a win-win-win for everyone involved. Business owners find good processors, processors get good clients, and we are able to continue to provide a valuable service to the small business community. We also recommend and link to many services that do not compensate us. Our priority is to guide you to the best solutions for your needs, regardless of potential revenue. If you have questions, please feel free to contact us.

All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.

American Verification Processing Solutions

Rating

3.5/5

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Pros

Diverse payment options

High-risk merchant support

Online gateway access

Cons

Hidden fees

Contract length

High setup fees

Customer complaints

Non-transparent marketing

Overview

In this review of Paperless Transaction Corporation, we’ll examine its services and reputation with a focus on faith-based nonprofits. Founded as an ACH processing provider for retail and nonprofit groups, the company now offers debit and credit card processing, ACH services, mobile payments, online giving tools, and donor management software. We’ll break down rates and fees, review contract terms, and highlight patterns in user feedback and industry ratings, including common complaints and praise. We’ll also evaluate marketing practices, customer support, and relevant legal matters, such as a settlement with Visa and Mastercard. Finally, we’ll weigh the pros and cons to help you understand where Paperless Transaction Corporation fits in today’s competitive merchant services market.

About American Verification Processing Solutions

Screen Capture of American Verifications Processing Solutions Homepage — American Verification Processing Services Homepage

American Verification Processing Solutions is a merchant account provider that was founded in 2000 by a management team with card processing industry experience dating back to 1985. The company provides merchant accounts to standard-risk and high-risk businesses. The company also advertises Clover as a POS solution. In 2020, AVPS partnered with BeeSeen Solutions, a full-service Strategic Advisory with Expertise in Business Process Outsourcing, Digital Marketing, Process Automation, and Call Center Services.

Group ISO Connection

There have been complaints linking AVPS to Group ISO, an Irvine, California-based company led by CEO Mike Segura. The relationship between AVPS and Group ISO, and between Tiffany Segura and Mike Segura, is currently unclear. However, evidence suggests a potential connection between the two companies.

Products & Merchant Services

Payment Processing

American Verification Processing Solutions (AVPS) provides payment processing services for all major debit and credit cards, catering to various business types. Their offerings include EMV card readers and swipers, Clover POS solutions, mobile payment solutions, ACH and e-check processing, recurring billing, PCI compliance, and access to virtual terminals and payment gateways.

Online Payment Processing

For businesses operating online, AVPS offers services designed to integrate with their online storefronts, ensuring secure transactions. This includes support for various payment methods to facilitate smooth and reliable online sales.

Point of Sale Systems

AVPS supplies Point of Sale (POS) systems aimed at managing sales and inventory in physical retail environments. These systems are designed to handle transaction processing efficiently while providing tools to track sales and inventory.

Mobile Payment Solutions

AVPS provides mobile payment solutions that allow businesses to accept payments via mobile devices. This service offers flexibility for transactions across different locations, making it suitable for businesses with dynamic operational models.

Additional Merchant Services

AVPS offers supplementary merchant services such as gift and loyalty card programs, check processing services, and merchant cash advances. These services aim to provide a comprehensive suite of options to support various business needs.

Customer Reviews & Sentiment

Minimal Complaint Volume

Around 15 reviews of American Verification Processing Solutions have surfaced across various consumer protection websites, citing concerns like withheld account funds, undisclosed fees, contract disputes linked to fine print, and subpar customer service. The majority of complaints against American Verification Processing Solutions have been acknowledged and resolved by an AVPS representative. It’s worth noting that some reviews seem duplicated on multiple platforms, while certain complaints and testimonials questioning their authenticity have been discredited. Additionally, a significant number of complaints, about half, were lodged over three years ago, potentially having limited impact on the company’s overall assessment. We encourage individuals to share their personal reviews of American Verification Processing Solutions in the comments section below.

Customer Support Resources of American Verification Processing Solutions

The American Verification Processing Solutions website provides a general phone line and email address, although their specific focus on customer support remains unclear.

Industry Scores & User Ratings

Online Ratings Summary
BBB Rating	N/A

PaymentPop Rating for American Verification Processing Solutions

Negative Feedback

There are no negative reviews published about American Verification Processing Solutions on the PaymentPop website.

Positive Feedback

Working with AVPS has been a great experience. They took the time to understand our business and matched us with the right solution for both in store and online payments. Everything’s been reliable, transparent, and the personal support is a huge plus. We’re glad we made the switch.

American Verification Processing Solutions BBB Rating

As of this update, American Verification Processing Solutions has been an accredited business of the Better Business Bureau since 2006 and maintains an “A+” score. The company’s profile is currently showing 2 complaints in the last 36 months.

What Merchants Say

In addition to 2 complaints, American Verification Processing Solutions has received no informal reviews in the last 36 months. Previously, there was 1 review, which was positive, though it should be noted that informal reviews are not verified for authenticity by the BBB like complaints are. The review expressed overall satisfaction with the company’s services:

We used AVPS to help us obtain additional bank processors and we had success using Mr. Rob T*****. AVPS kept us informed as our application was submitted to a processing bank which we did not have access to. I am thankful that AVPS was able to get us the processing we needed with minimal paperwork, great customer service and follow up and a reasonable fee. I would recommend AVPS and have to others in our industry. I read some complaints and what surprised me was that this decent firm was being held accountable for banks actions. Business owners should have enough education to understand the relationship before blindly placing blame on AVPS. AVPS is not the bank. AVPS helps us save time and research by brokering our application out to banks. In our industry there is some degree of difficulty taking credit cards, but AVPS knew exactly which bank to submit our application to and as I mentioned, was succesful and treated us well and informed us up front of all costs. Highly recommend these folks. They are Pros and we know enough to understand the process and having said that, are defensive of AVPS and their great reputation. All Great.

Rates, customer service, and a straightforward application process are all important aspects of merchant services. Nevertheless, the company does not rank as one of our best merchant account providers.

An “A” Performance

In light of the company’s complaint record, we agree with the BBB’s rating. However, business owners should still note that there are reasons to be skeptical of the BBB’s reporting.

Processing Rates & Fees

Assorted Monthly Fees

There isn’t an abundance of publicly available information regarding the standard American Verification Processing Solutions contract. The company’s website previously listed fairly average Qualified rates, a monthly statement fee of $10, and a minimum monthly fee of $5, which is lower than the industry average. Some American Verification Processing Solutions complaints on other consumer protection websites mention expensive setup fees, and the company’s website states that upfront costs may vary.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, American Verification Processing Solutions also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. The company advertises Authorize.Net, NMI, and USAePay as its payment gateway providers. Pricing will depend on which gateway provider a business utilizes. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.

Possible Three-Year Contract

Specific information regarding contract length, PCI compliance fees, or termination fees is unavailable as of this update, although we did locate one complaint citing a three-year contract with automatic renewal and an unspecified American Verification Processing Solutions fee for early termination. Until we know more, we are awarding AVPS a “B” in this category due to the number of complaints it has received regarding its pricing. Business owners can assume that it does not compete with the absolute cheapest merchant accounts. If you have any knowledge of American Verification’s standard contract terms, please leave that information in the comment section of this review.

We also encourage business owners to check out our list of the providers of the best merchant services.

Lawsuits & Legal History

To date, no significant class-action lawsuits or complaints to the Federal Trade Commission (FTC) against American Verification Processing Solutions have been discovered. Clients dissatisfied with the company and seeking non-litigious avenues to address grievances are advised to report concerns to the relevant regulatory bodies.

Employee Reviews & Sales Practices

Outside Sales Representatives

American Verification Processing Solutions appears to hire independent sales agents to market its services. Some negative American Verification Processing Solutions reviews online seem to indicate that high-pressure sales tactics are employed by the company’s sales representatives, but there is no information suggesting that the company runs a “hiring mill” operation.

This does not compare favorably to our list of best credit card processors.

Rate Quoting Issues

At the time of our previous update, the company’s website quoted numerous swipe rates on its “Rates & Fees” page and on its homepage. These pages appeared to list extremely low “Qualified” rates without making any mention of the “Mid-Qualified” or “Non-Qualified” rates that clients are likely to see for the vast majority of transactions. We consider this type of rate quoting to be deceptive because it can give merchants an unrealistic expectation of the effective rate they will pay. AVPS has since removed these quotes from its website, but businesses should be on the lookout for similar quotes in any direct communication with the company. If you suspect that the company is charging you undisclosed fees, we recommend seeking a third-party statement audit.

American Verification Processing Solutions Competitors

Compare American Verification Processing Solutions to competitors that earned top marks.

Pricing

Bottom Line

American Verification Processing Solutions (AVPS) offers a detailed array of merchant services suitable for both standard and high-risk business sectors. Established in 2000, AVPS has evolved to provide comprehensive payment solutions that include EMV card readers, Clover POS systems, and mobile payment options, along with online payment processing that integrates seamlessly with business websites. Additionally, the company provides a full suite of merchant services such as ACH and e-check processing, recurring billing, and PCI compliance solutions, ensuring a broad spectrum of payment processing capabilities.

Despite its robust service offerings, AVPS has faced criticism related to its sales tactics and transparency in fee disclosure, with some complaints highlighting issues like unexpected fees and aggressive sales practices. The company has a connection with Group ISO, which has been subject to consumer complaints, though the exact nature of their relationship remains somewhat unclear. On the positive side, AVPS maintains an “A+” rating with the Better Business Bureau and demonstrates a commitment to resolving customer complaints effectively. Prospective clients should weigh these factors alongside the company’s comprehensive service offerings when considering AVPS for their payment processing needs.

Read Actual User Reviews

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All user reviews have been moved to our partner, PaymentPop.com

Contact American Verification Processing Solutions

Contact & Customer Support
CEO	Tiffany Segura
Headquarters	6737 Variel Ave, Canoga Park, California 91303
Toll-Free Customer Support	866-477-3460
General Support	818-657-3640
Website	avpsolutions.com

About Us

CardPaymentOptions.com

Established 2009

My name is Phillip Parker, and I started this website back in 2009 as a simple blog to call out shady credit card processors that were taking advantage of small business owners. At the time, I had no idea this side project would grow into a leading voice pushing for transparency and integrity in the payment processing industry. I also didn't anticipate just how far some of these companies' owners would go to try to silence me.

I was recruited out of college for a sales role with a credit card processor. At the time, I didn't realize the “training” was really about tricking me... into selling business owners expensive processing with hidden fees and long-term service agreements. In my first few sales, I unknowingly cost friends and family thousands of dollars after they trusted me to switch their services. When it finally clicked that something was seriously wrong, I was furious. I quit immediately and made a promise to expose that company and any others operating the same way. That promise is what led to the creation of this website.

As I wrote about these processors, their tactics, and the people behind them, the articles started to spread among business owners. News organizations picked up the stories, readers shared them online, and traffic to the blog took off. Unsurprisingly, that also caught the attention of the companies and individuals I was exposing.

Over the last 17 years, I've received several anonymous death threats and defeated four lawsuits meant to intimidate me into taking my blog down. Their efforts to muzzle me only made my determination to expose them even stronger, leading me to work with state authorities to help shutdown some of the worst offenders.

I'm proud to say that of the millions of people who have read my work, thousands have taken the time to write and thank me for helping them narrowly avoid a very costly mistake. This blog has played a small role in pushing the industry toward more ethical practices - but there are still bad actors out there, which means the work isn't done.

If I can offer one piece of advice, it's this: get every promise in writing, and take the time to review contracts carefully. Tools like ChatGPT can help surface red flags and uncover expensive surprises buried in the fine print.

If you've made it this far, thank you for reading. I truly appreciate you being here, and I wish you every success with your business.

Our Research Methodology

Pricing & Fees

We analyze all costs including rate structures (interchange-plus, tiered, flat-rate, etc), monthly fees, equipment costs, early termination fees, and hidden charges. This data is gathered from service agreements, statements and client feedback.

Features & Technology

Evaluation of POS systems, e-commerce integrations, mobile capabilities, reporting tools, recurring billing..., and developer resources. When possible, we directly test services and hardware. Otherwise, we rely on client feedback and public information.

Customer Support

We evaluate availability across phone, email, chat, and social channels. Measuring hold times, night and weekend availability, and client feedback regarding effectiveness, professionalism, and resolution rates.

Contract Terms & Conditions

We review service agreements and equipment contracts for reasonability, transparency, and fairness. We focus on uncovering any predatory clauses, such as unjustified early termination fees, hidden costs, and unclear cancellation policies.

User Experience

We comb the internet and interview current and former clients to evaluate the overall user experience and identify any common pain points that may impact the user experience.

Sales & Marketing Practices

We evaluate sales tactics, marketing materials, and client feedback to determine the level of transparency and ethical nature of the provider's approach. Does the provider publicly disclose pricing? Do they use teaser rates? We score based on these and other factors.

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