APS Merchant Services Review

APS Merchant Services Logo
Overall Score
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How did they treat you?

UPDATE 3/7/2019: The APS Merchant Services URL is no longer active, and public reports indicate that APS Merchant Services is no longer responding to merchants or to the Better Business Bureau. The available evidence suggests that APS Merchant Services is no longer an active business. If you have any information about APS Merchant Services' current status (including any rebrandings or DBAs), please share it in the comment section below this review.

APS Merchant Services, Inc. (apsmerchant.com) is a merchant account provider based in Danville, California. There is some evidence that APS is partnered with Elavon, likely as a reseller of Elavon contracts. APS was established in 1995 with corporate headquarters located at 8 Diamond Ct, Danville, California 94526. The company is a registered MSP under US Bank Minneapolis, Minneapolis, and John Gallups is the president of APS.

Key Points

  • Sales & Marketing: APS Merchant Services does not appear to hire independent sales agents and has not received any merchant complaints about its sales practices.
  • Costs & Contract: APS Merchant Services appears to offer variable contract terms depending on each merchant's size and business type.
  • Complaints & Service: APS Merchant Services has received fewer than 10 public complaints.
  • BBB Rating: APS Merchant Services does not have a rating with the Better Business Bureau and has received zero complaints in the past three years.
  • Rates & Fees: How Merchants Got The Best Rates With APS Merchant Services

APS Merchant Services Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

At the time of this update, we are unable to locate any complaints accusing APS of being a scam or a ripoff. The company appears to outsource its customer service and tech support to Elavon, which may result in some APS complaints being funneled to Elavon’s online profiles. Overall, though, the total absence of any negative APS reviews indicates that the company’s sales team does not mislead its clients in the first place and makes an effort to educate merchants on how to reach an Elavon representative. Despite the fact that Elavon is not known for quality customer service, a spotless complaint record compels us to award APS an “A” in this category.

APS Merchant Services Online Ratings

Here's How They Rate Online

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

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.

APS Merchant Services is not an accredited business of the Better Business Bureau and currently shows no rating. No complaints have been registered against the company with the BBB. APS also has not had any informal reviews posted to its BBB profile, although it should be noted that these reviews are not subject to verification by the BBB. In light of this information, we have adjusted the BBB’s rating to an “A.”

APS Merchant Services Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Swiped Rate Variable
Keyed-in Rate Variable
Early Termination Fee None
PCI Compliance Fee Variable
Equipment Lease Terms Variable

There is not a lot of information available about the standard APS contract, but the company’s partnership with Elavon makes it very likely that the standard APS contract resembles the standard Elavon contract. Elavon typically offers a three-year agreement with no early termination fee and monthly PCI compliance fees ranging from $29 to $59. There is a strong chance, however, that APS is authorized to alter some of these provisions as it deems necessary. Terms will likely vary depending on a merchant’s size and time in business. Overall, the absence of complaints about APS’s contract terms seems to indicate that most merchants are satisfied with their agreements.

APS Merchant Services Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms No

APS does not appear to hire independent sales agents or engage in deceptive advertising strategies. The company’s website is relatively basic and does not make any unrealistic claims. It also appears to have certain components missing, which suggests that it is not regularly updated. As of this update, we were unable to locate any APS Merchant Services reviews that complain about the company’s sales and marketing tactics. If you have had any experience with the APS sales team, please describe that communication in the comment section of this review.

Our APS Merchant Services Review Summary

Our Final Thoughts

According to our rating system, APS Merchant Services rates as a reliable merchant services provider. There are virtually no complaints filed publicly against the company, but APS’s partnership with Elavon may be a deterrent for merchants who have had negative experiences with that larger company. APS’s overall rating may change for better or for worse as more information about the company becomes available.

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Testimonials & Complaints

How Did APS Merchant Services Treat You?

1 User Reviews

  • Sam

    This company is the biggest scam I have ever come across. A man came in to my store and offered me their services, I told him I was leaving on vacation. So the salesman proceed to sign me up, send me a machine, take hundreds of dollars from my account and send me to collections multiple times after sending their unused machine back. I never even signed any paperwork or did any transactions with them and they continue to send me to collections every month. I wish this company never stepped foot in my business and the hassle they have put me through will forever haunt me.

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