APS Payments Reviews & Complaints

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How did they treat you? ▼

Pros & Cons
Pros: Cons:
Low Complaints: Fewer than 10 public complaints. Less Transparency: No dedicated support info on the website.
Live Support: Offers real-time customer assistance. Early Termination Fee: $295 if conditions aren't met.
No Deceptive Sales: Does not engage in misleading sales tactics. Swiped Rate: 2.5% + $0.20 per transaction.
Flexible Contract: Offers a three-year contract with some flexibility. Keyed-In Rate: 3.5% + $0.20 per transaction.
B2B Focused: Specializes in Business-to-Business transactions. PCI Compliance Fee: $18.80 charged quarterly.

Note: APS Payments was purchased by REPAY in 2019 and has now been fully integrated into the brand. Therefore, we will no longer be updating this profile.

Formerly Known As “American Payment Solutions”

Established in 2004, APS Payments (apspayments.com) is a merchant account provider that offers a wide range of integrated payment processing solutions. The company was previously known as “American Payment Solutions“, but it rebranded to APS Payments in 2019. The company's name could potentially be confused with a number of other payment processors, including First American Payment Systems, American Payment Systems, and APS Merchant Services. APS Payments is not affiliated with any of these other brands.

APS Payments Customer Reviews

Here's What Their Clients Say

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

Low Complaint Total

Our research has not found significant APS Payments complaints that label the company as a ripoff or scam. Currently, there are only three negative reviews found outside of the Better Business Bureau, citing unrealistic guarantees, questionable sales tactics, and poor customer service. An isolated employee complaint also points to questionable managerial practices. Nevertheless, APS Payments’ low overall complaint volume suggests that its customer service staff is generally effective in addressing and resolving issues internally. If you have an experience or complaint regarding APS Payments, we encourage you to share it in the comments below.

APS Payments Lawsuits and Fines

No outstanding class-action lawsuits or Federal Trade Commission (FTC) complaints have been found against APS Payments. Merchants seeking non-litigious resolutions are advised to consider reporting their concerns to appropriate supervisory organizations.

APS Payments Customer Service Options

It’s possible that some complaints intended for APS Payments may be mistakenly directed to TSYS, their processor, or misattributed to other similarly named companies like American Payment Systems. Currently, the APS Payments website does not list dedicated customer support contact information, which is a drawback for being considered as a top-rated merchant account provider for customer service. The absence of direct contact details could affect the ease with which customers can reach out for assistance.

APS Payments 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

No Profile

The APS Payments profile has been removed from the BBB and will therefore not be included in this review.

APS Payments Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Swiped Rate 2.5% + $0.20
Keyed-In Rate 3.5% + $0.20
Early Termination Fee $295
PCI Compliance Fee $18.80/quarter
Equipment Lease Terms Variable

APS Payments Pricing

A representative from APS Payments mentioned that their standard agreement involves a three-year term with TSYS, but they also offer flexibility in contract duration. For context, TSYS typically has rates around a swiped rate of 2.5% plus $0.20 and a keyed rate of 3.5% plus $0.20. Additionally, a standard TSYS contract usually comes with a PCI compliance fee of $18.80 charged on a quarterly basis.

APS Payments Cancellation Policy

The APS Payments team also clarified that they do not impose early termination fees (ETF) if a business owner ceases operations, transfers ownership, or if APS Payments is given the opportunity to meet or beat a competitor’s rates. Essentially, an ETF may only be applied if a business terminates the service prematurely without allowing APS Payments to match a competing offer. Typically, TSYS contracts include an ETF of $295, subject to enforcement at the company’s discretion.

Early Termination Fee Complaints

Previously, a Better Business Bureau complaint regarding APS Payments mentioned an early termination fee exceeding $1,000, and another grievance in our comments section echoed this concern. Such a significant fee could suggest the presence of a liquidated damages clause. Although the Better Business Bureau complaint was not directly addressed by APS Payments, a company representative responded to the comment on our site, disputing the claimant’s status as an APS Payments customer.

Few Contract Complaints

Given the scarcity of detailed complaints concerning the company’s pricing and contract terms, it appears most APS Payments customers are content with their services. As a result, we have given APS Payments an “A” rating for now. However, it’s important to note that APS Payments is not necessarily the most economical option for merchant accounts.

Merchants seeking competitive services are advised to explore our compilation of the premier merchant account providers.

APS Payments 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

Inside Sales Team

APS Payments appears to market itself through its referral network and an in-house sales staff. According to a company representative, APS Payments does not utilize sub-ISOs or independent sales agents to acquire new clients. APS Payments 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 APS Payments 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 APS Payments is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden costs.

Our APS Payments Review Summary

Our Final Thoughts

APS Payments rates as a reliable merchant services provider according to our rating system. The company has a strong reputation, evidenced by the very few complaints registered outside of the Better Business Bureau (BBB). APS Payments does not appear to engage in deceptive marketing tactics, which is a significant advantage in an industry where transparency and honesty are paramount.

However, even when considering highly rated credit card processors like APS Payments, it is crucial for merchants to exercise due diligence. We encourage all potential clients to meticulously review all contract terms to fully understand their commitments and obligations. COmparing APS Payments’ pricing and services to those of the top-rated overall payment processors can provide valuable context and help ensure that merchants secure the best possible deal for their business needs. Taking these steps can help businesses make informed decisions and avoid any unexpected costs or contractual pitfalls.

Location and Ownership

APS Payments is partnered with TSYS as its payment processor. The company is a registered ISO and MSP of Esquire Bank, Garden City, New York 11530; of the Canadian branch of U.S. Bank National Association and Elavon; and of Elavon, Inc. Georgia. APS Payments is headquartered at 5646 E Main St, Mesa, Arizona 85205. David Ford is listed as the CEO of American Payment Solutions.

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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 APS Payments Treat You?

1 User Reviews

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