Atlantic-Pacific Processing Systems Review

Atlantic-Pacific Processing Systems Overview

An All-Purpose Merchant Account Provider

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.

Atlantic-Pacific Processing Systems Location and Ownership

Atlantic-Pacific Processing Systems is headquartered at 18350 Mt Langley St, Fountain Valley, California 92708, and is a registered ISO/MSP of Synovus Bank. Abe Maghaguian is the president and CEO of Atlantic-Pacific Processing Systems.

Atlantic-Pacific Processing Systems Review Table of Contents

  • Costs & Contract: Atlantic-Pacific Processing Systems offers a three-year contract through Synovus Bank with a liquidated damages-style early termination fee.
  • Complaints & Service: Atlantic-Pacific Processing Systems has received fewer than 10 public complaints.
  • BBB Rating: Atlantic-Pacific Processing Systems currently has an “A+” rating with the Better Business Bureau and has received 0 complaints in the last 3 years.
  • Sales & Marketing: Atlantic-Pacific Processing Systems hires independent sales agents but has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Atlantic-Pacific Processing Systems
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Products & Services Offered

Types of Businesses Served

  • Retail
  • E-commerce
  • Mobile
  • MOTO

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Atlantic-Pacific Processing Systems Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-in Rate 1.00% - 4.99%
Virtual Terminal 1.00% - 4.99%
Payment Gateway Fee Up to $25 Per Month
Batch Fee $0.10
Early Termination Fee Liquidated Damages
PCI Compliance Fee Variable
Equipment Lease Terms Variable

Atlantic-Pacific Processing Systems Contract Terms

The standard Atlantic-Pacific Processing Systems contract is a three-year contract through Synovus Bank with automatic one-year renewals and a liquidated damages early termination fee that is calculated as follows:

(1) computing the number of months remaining from the date of termination to the end of the then current Initial or Renewal Term; and

(2) multiplying that number by the average monthly Processing Fees over the most recent six (6) months; and then

(3) adding costs and attorneys’ fees of Bank.

This contract also makes reference to the possibility of third-party equipment leases. Merchants are generally advised not to lease equipment, as these agreements tend to be long-term, non-cancellable contracts that cost far more than the purchase price of the equipment.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Atlantic-Pacific Processing Systems also dedicates a portion of its website that advertises its virtual terminal and payment gateway services through either Authorize.Net or CyberSource. However, pricing on these services will depend on which gateway provider a merchant utilizes. Additional fees, such as Authorize.Net’s gateway fees, technical support fees, and Authorize.Net’s $0.10 batch fee may apply to these e-commerce services.

No Contract Complaints

Atlantic-Pacific Processing Systems has not received any recent public complaints about its pricing, but these contract terms are objectively not competitive with the cheapest merchant accounts. We have assigned the company a “B” to on the basis of its generally clean complaint record combined with its plainly restrictive contract terms.

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Atlantic-Pacific Processing Systems Complaints & Customer Reviews

Key Points

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

No Recent Public Complaints

We are currently able to locate two negative Atlantic-Pacific Processing Systems reviews, one of which accuses the company of being a ripoff or a scam. One complaint was filed against the company in error, while the other was posted in 2012 and is therefore not relevant to current and future merchants. We do not consider either to be especially noteworthy.

Atlantic-Pacific Processing Systems Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Atlantic-Pacific Processing Systems. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Atlantic-Pacific Processing Systems Customer Support Options

The Atlantic-Pacific Processing Systems website provides a dedicated customer support number and email address. We will award Atlantic-Pacific Processing Systems an “A” rating in this category, and the company’s current customer support options are on par with top-rated customer service processors.

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Response from Atlantic-Pacific Processing Systems

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Atlantic-Pacific Processing Systems BBB Rating Summary

Key Points - BBB

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

Clean Complaint Record

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 three years. It also has not received any informal reviews.

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.

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Response from Atlantic-Pacific Processing Systems

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms No

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. There is no evidence at this time indicating that the company employs independent sales agents, and 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 complaint was filed regarding a sales agent’s conduct, but the company satisfactorily demonstrated that the complaint had mistakenly been filed against the wrong party.

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.

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Response from Atlantic-Pacific Processing Systems

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Atlantic Pacific Processing Systems Logo

Our Opinion of Atlantic-Pacific Processing Systems

A Reliable Option for Most Merchants

According to all available information, Atlantic-Pacific Processing Systems rates as a dependable merchant services provider. The company’s contract terms are more expensive and restrictive than industry averages, but its nearly clean complaint record is a positive sign. Even when dealing with companies that rate highly by our standards, we urge merchants to thoroughly examine the terms of any contract they are given and to compare its pricing to top-rated merchant account providers.

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Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

How I Can Help You

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