Atlantic-Pacific Processing Systems Reviews & Complaints

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Overall Score
4.8
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How did they treat you?

Overview

In this review of Atlantic Pacific Processing Systems (APPS), we provide a detailed overview of the company's credit card processing services. We will discuss the range of services offered, including POS systems, mobile payments, and e-commerce solutions, and identify the types of businesses that may benefit from these offerings. We will also examine client and customer reviews to highlight common trends and potential concerns. Additionally, we will cover the company's pricing structure, contract terms, and specific services included. By the end of this article, you will have a clear understanding of whether APPS meets 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.

Atlantic-Pacific Processing Systems Products and 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 by EMS

For businesses with physical locations, EMS 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. The service integrates smoothly with many popular e-commerce platforms.

Virtual Terminal Service

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

Mobile Payment Processing

EMS provides mobile payment processing solutions, allowing businesses to accept payments on the go using a mobile device. This is particularly useful for businesses operating outside traditional retail environments.

Customer Loyalty Programs

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

Atlantic-Pacific Processing Systems Customer Reviews

Here's What Their Clients Say

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

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.

Atlantic-Pacific Processing Systems Customer Service Number

  • (800) 635-3545 – Toll-Free Support

Other Support Options

  • Contact form

Atlantic-Pacific Processing Systems Online Ratings

Here's How They Rate Online

Online Ratings Summary
Product & Service Complaints 0
BBB Reports 1

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

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.

Atlantic-Pacific Processing Systems Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties Yes
Monthly & Annual Fees Yes
Processing Rates 1.00% - 4.99%
Equipment Leasing Yes

Atlantic-Pacific Processing Systems Contract Terms

Atlantic-Pacific Processing Systems typically provides a three-year contract via Synovus Bank, featuring automatic one-year renewals. The contract includes a liquidated damages early termination fee, calculated as follows:

(1) determining the remaining months from termination to the end of the current term;

(2) multiplying this number by the average monthly Processing Fees from the past six months; and

(3) adding any legal fees incurred by the Bank.

The contract also hints at potential third-party equipment leases. It is widely recommended for business owners to avoid equipment leases, as they often involve long-term, non-cancellable agreements that exceed the equipment’s purchase price.

No Contract Complaints

Despite the lack of recent public grievances about Atlantic-Pacific Processing Systems’ rates, their contract terms are generally less appealing compared to the most affordable merchant accounts. The company earns a “B” rating, balancing its minimal complaint history against its relatively stringent contract conditions.

Business owners are advised to explore our compilation of the top merchant services for additional options.

Atlantic-Pacific Processing Systems Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers Yes
Telemarketing Likely
Misleading Marketing 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. 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.

Our Atlantic-Pacific Processing Systems Review Summary

Our Final Thoughts

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.

Location & Ownership

Atlantic-Pacific Processing Systems is headquartered at 8329 W. Sunset Road, Suite 210, Las Vegas, NV 89113, and is a registered ISO/MSP of Synovus Bank. Abe Maghaguian is the president and CEO of Atlantic-Pacific Processing Systems.

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Testimonials & Complaints

How Did Atlantic-Pacific Processing Systems Treat You?

1 User Reviews

  • Leonardo Wanda

    I am thrilled to share my outstanding experience with Atlantic-Pacific Processing Systems! Their seamless payment solutions have truly revolutionized my business. From the moment I partnered with them, I knew I was in good hands. Their team of experts guided me through the setup process, making it hassle-free and efficient.

    With Atlantic-Pacific Processing Systems, I’ve experienced faster transactions and increased customer satisfaction. Their cutting-edge technology ensures that my payments are secure and reliable, giving me peace of mind.

    What sets them apart is their exceptional customer support. Whenever I have a question or need assistance, they are always there to provide prompt and friendly help.

    In short, Atlantic-Pacific Processing Systems is the ultimate game-changer for any business seeking top-notch payment processing services. I can’t recommend them enough! Kudos to the team for their professionalism and approachability.

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