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Is Atlantic Pacific Processing Systems a Legit Payment Processor? Read this Review

Name: Atlantic-Pacific Processing Systems
Item: Atlantic-Pacific Processing Systems
Rating: 4.8
Author: Phillip Parker

Author: Phillip Parker

Updated: September 25, 2025

Maintained Since: September 27, 2019

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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.

Atlantic-Pacific Processing Systems

Rating

4.8/5

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Overview

UPDATE: Atlantic-Pacific Processing Systems (APPS) has been acquired by STAX. In this review, we take a closer look at APPS and its credit card processing services. Their offerings include point-of-sale systems, mobile payments, and e-commerce solutions designed for different types of businesses. We’ll highlight which businesses may benefit most from these services. We’ll also review client feedback to show common trends and concerns. In addition, we’ll cover pricing, contract terms, and included services. By the end, you’ll know whether APPS is the right fit for your payment processing needs.

About Atlantic-Pacific Processing Systems

Founded in 2004, Atlantic-Pacific Processing Systems is a merchant account provider that serves most standard-risk business types. The company primarily markets to business owners, but it also counts acquirers and ISOs among its target customers.

In 2021, Atlantic-Pacific Processing Systems made a number of acquisitions, including Clique Payments Inc. and Paynomix, as well as partnerships with Global Oculus, Switch Commerce, and Splitit. This marks a significant expansion of the brand.

Products & Merchant Services

Payment Processing

Atlantic-Pacific Processing Systems handles major debit and credit card transactions for various business types. Their services include POS solutions, e-commerce options, and other business management tools.

In-Person Transaction Processing

For businesses with physical locations, APPS provides credit card processing equipment and services. These are designed to support various payment types, including debit and credit cards, contactless payments, and mobile wallet transactions.

Online Payment Processing

EMS offers payment gateways for e-commerce businesses, allowing them to securely process credit and debit card transactions online.

Virtual Terminal Service

For businesses operating over the phone or via mail order, APPS’s virtual terminal service enables card payments without physical equipment. Card details are manually entered into a secure online system.

Mobile Payment Processing

APPS provides mobile payment processing solutions, allowing businesses to accept payments on the go using a mobile device.

Customer Loyalty Programs

In addition to payment processing, APPS offers customer loyalty and gift card programs. These programs are designed to enhance customer engagement and loyalty, potentially increasing overall revenue.

Customer Reviews & Sentiment

No Recent Public Complaints

Currently, we have found only a few Atlantic-Pacific Processing Systems (APPS) reviews, one of which accuses the company of fraudulent activities or being a scam. It’s worth noting that one negative review against APPS was filed in error, while the other dates back to 2012, making it irrelevant to current and prospective merchants. As such, we do not consider these reviews particularly significant. If you have your own experience with Atlantic-Pacific Processing Systems to share, we encourage you to do so in the comments below.

Atlantic-Pacific Processing Systems Lawsuits and Fines

It’s important to note that APPS lost a lawsuit to Interbill in 2023, resulting in a substantial settlement of $943,717.91 in damages. However, the details of the lawsuit and the reasons behind it remain unclear. For dissatisfied clients seeking resolution without litigation, we recommend reporting concerns to relevant supervisory organizations.

Atlantic-Pacific Processing Systems Customer Support Options

Atlantic-Pacific Processing Systems provides dedicated customer support through a toll-free number and a customer support form on its website. Considering these options, we give Atlantic-Pacific Processing Systems an “A” rating in customer support. The company’s current support offerings align with those of top-rated processors known for exceptional customer service.

Industry Scores & User Ratings

Online Ratings Summary
PaymentPop	5
BBB Rating	1
Average Rating	1

PaymentPop Rating for Atlantic-Pacific Processing Systems

Negative Feedback

There are no negative reviews published about Atlantic-Pacific Processing Systems on the PaymentPop website.

Positive Feedback

Atlantic-Pacific Processing Systems gave us the flexibility to handle payments across multiple channels—online, in-store, and mobile. Integration was seamless, and their team provided great support throughout the process. It’s a versatile solution we can count on.

Atlantic-Pacific Processing Systems BBB Rating

Atlantic-Pacific Processing Systems has an “A+” rating with the Better Business Bureau and has been BBB accredited since 2014. The company has not received any complaints in the past 3 years. It also has not received any informal reviews. Atlantic-Pacific Processing Systems has a 1 out of 5 star rating based on 1user reviews on the Better Business Bureau website.

What Business Owners Say

The company has received 1 informal review on its BBB profile, but it appears to have been filed against the wrong company.

An “A” Performance

Given the company’s clear complaint record, we agree with the BBB’s rating at this time. Merchants should note, however, that there are good reasons to be skeptical of the BBB’s rating system.

Employee Reviews & Sales Practices

Inside/Outside Sales Team

Atlantic-Pacific Processing Systems appears to rely on a combination of independent resellers and in-house staff to market its services. We are unable to locate any Atlantic-Pacific Processing Systems complaints that report unethical behavior by the company’s sales staff. One Atlantic-Pacific Processing Systems review was filed regarding a sales agent’s conduct, but the company satisfactorily demonstrated that the complaint had mistakenly been filed against the wrong party.

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

No Misleading Quotes

Atlantic-Pacific Processing Systems does not appear to engage in any deceptive advertising strategies in its official materials. If you suspect that Atlantic-Pacific Processing Systems is charging you undisclosed fees, we recommend seeking a third-party statement audit to eliminate hidden charges.

Atlantic-Pacific Processing Systems Competitors

Compare Atlantic-Pacific Processing Systems to competitors that earned top marks.

Pricing

Bottom Line

According to all available information, Atlantic-Pacific Processing Systems is a dependable credit card processing provider. Although its contract terms are more expensive and restrictive than industry averages, the company’s nearly spotless complaint record is a promising sign. However, even when considering companies that score well according to our standards, we advise business owners to carefully scrutinize the terms of any contract before signing. It’s crucial to compare Atlantic-Pacific Processing Systems’ pricing with top-rated merchant account providers to ensure the best possible deal.

Read Actual User Reviews

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

Contact Atlantic-Pacific Processing Systems

Contact & Customer Support
President and CEO	Abe Maghaguian
Headquarters	8329 W. Sunset Road, Suite 210, Las Vegas, NV 89113
Toll-Free Support	(800) 635-3545
Additional Support Channels	Online Contact Form
Website	approcessing.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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