Aurora Payments is a full-service merchant account provider based in Tempe, Arizona. According to their website, Aurora Payments has existed since around 2005, operating most of that time as Applied Merchant Services. AMS was a smaller payment provider that was able to secure large volumes of merchant accounts with their acquisitions of Entrust Bankcard and Bancard Systems, Inc around 2015.
In 2018, Sabin Burrell of BlueSquare Resolutions and Jeff Brodsly of Chosen Payments joined with Brian Goudie (formerly of First Data, which is now Fiserv) to become partners under a new parent company, Aurora Solutions. BlueSquare Resolutions had already added large amounts of clients to their portfolio through prolific acquisitions including Electronic Processing Solutions LLC, Merchant Select Services, Discount Payment Services, e-Pay Commerce, Data One Payment Solutions, Secure Choice Merchant Solutions, ProPoint Card Services, and Diverse Payment Solutions.
Aurora has continued to acquire small to medium-sized payment providers to grow its client portfolio. Since the rebrand, they have acquired Harmony Pay, Altiras, and FMPS, and rebranded Chosen Payments as “an Aurora Company”, but the Chosen Payments brand has been allowed to continue operating for the time being. Aurora boasts that it serves over 23,000 merchant accounts and $8 billion in yearly processing volume.
In 2022, private equity firm Corsair purchased a majority stake in Aurora Payments. Aurora also bought One Payments in 2022 and NailSoft in 2023.
Aurora Payments Payment Processing
Aurora Payments processes most major debit and credit cards for most business types. Their services include POS systems, EMV/PIN card readers, employee and inventory management tools, data reporting and analysis, business funding, cash discounts, gift and loyalty programs, and mobile solutions.
Online Payment Gateway from Aurora Payments
Aurora Payments offers an online payment gateway to businesses. This service enables businesses to accept and process payments through their websites, providing a secure and efficient method for handling online transactions.
Point of Sale Systems by Aurora Payments
The company also provides point of sale (POS) systems. These systems are used in physical retail locations to process credit card transactions, track sales, manage inventory, and handle other retail-related tasks.
Mobile Payment Solutions by Aurora Payments
Aurora Payments delivers mobile payment solutions. These allow businesses to process credit card transactions using mobile devices, making it easier for businesses with mobile or remote operations to accept card payments.
Aurora Payments' Fraud Protection Services
To enhance the security of transactions, Aurora Payments offers fraud protection services. These services aim to detect and prevent fraudulent transactions, providing an additional layer of security to businesses and their customers.
Location & Ownership
Aurora Payments is a registered ISO and FSP of Wells Fargo Bank, N.A., Concord, CA; Esquire Bank, Jericho, NY; Elavon, Inc., N.A., Atlanta, Georgia; Evolve Bank & Trust, Memphis, TN.; Merrick Bank, South Jordan, UT; and Deutsche Bank AG, New York, NY. Aurora Payments Bank is headquartered at 1095 W Rio Salado Pkwy Ste 104, Tempe, AZ 85281. Brian Goudie is listed as the company’s CEO.
Table of Contents
- Costs & Contract: We have been unable to locate…
- Complaints & Service: Aurora Payments complaints number few to none…
- BBB Rating: Aurora Payments has an “A-” rating with the Better Business Bureau and is not…
- Sales & Marketing: Aurora Payments does not hire independent sales agents and has received…
|Competitive Rates: Structured fee system focusing on merchant profitability.
|Mixed Reviews: Some users report negative experiences and issues with service.
|Diverse Industry Support: Offers services across various sectors including retail and hospitality.
|Variable Contract Terms: Rates and terms are not publicly listed and vary.
|Cutting-Edge Technology: Provides over 100 integrations for seamless user experience.
|ion Penalties: Contracts may include early termination fees.
|Customizable Solutions: Tailors solutions to fit specific business needs.
|Cancellat Equipment Leasing: Leasing options available, which might not suit all.
|US-Based Support: Offers 24/7 in-house customer and technical support.
|Limited Transparency: Lack of clarity in contract details and provisions.
Aurora Payments Customer Reviews
Here's What Their Clients Say
|Total Online Complaints
|Live Customer Support
|Most Common Complaint (As AMS)
Few Online Complaints
Aurora appears to still be consolidating some of its recent acquisitions, so it’s difficult to find Aurora Payments reviews. We have received a few on this profile recently, some of which mention concerning behavior. There are many more Aurora Payments reviews related to companies acquired by Aurora, but we will not factor those into our review. If any of our readers have an Aurora Payments review to make, we encourage them to comment below.
As Applied Merchant Systems
We did find several complaints related to Applied Merchant Systems, all concerning AMS continuing to bill clients after service cancellation. The complaints also detailed very poor customer service interactions.
Aurora Payments Lawsuits and Fines
We have not found any outstanding class-action lawsuits or FTC complaints filed against Aurora Payments. However, it appears that a former employee named Sabon Burrell has been sued by the company in what may be a concerning situation. Details are still unclear, but it seems that Burrell has a history of being sued over alleged cons and worked for Aurora for a while. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations and by leaving a review of your own in the comment section of this article below.
Aurora Payments Customer Support Options
Aurora Payments offers 24/7 phone support to all of its merchant accounts, which is standard practice for companies of their size.
Aurora Payments Customer Service Numbers
- (833) 287-6722 – General Customer Service
Other Support Options
- Customer support form
- Live chat
We have not seen any indication that Aurora Payments goes above and beyond standard customer support options and will grade them “B” at this time.
Aurora Payments Online Ratings
Here's How They Rate Online
Profile Being Updated
Aurora Payments has been in business for 18 years according to The Better Business Bureau, primarily under the name Applied Payment Systems. The company has an “A-” rating with the BBB, with 6 complaints in the last 3 years.
What Merchants Say
Aurora Payments has received 1 review through the BBB, which is negative. The most recent negative review describes poor customer service and issues with payments:
Worst Company Ever! Do NOT use them! In 3 months they have wasted hours of my time and cost my thousands of dollars!I can’t process payments properly, their customer service is terrible…please save yourself the headache and NEVER work with this company!
A “B” Performance Overall
Taking into consideration the company’s low complaint total and high resolution rate, we have slightly adjusted the BBB’s grade to a “B” at this time.
Aurora Payments Fees, Rates & Costs
A Closer Look at The Contract
|Monthly & Annual Fees
Partnered with Elavon, Fiserv, and TSYS
Aurora Payments has partnered with many of the larger payment backend providers such as Elavon, Fiserv (formerly First Data), and TSYS. The Aurora Payments contracts could potentially include some of the standards we find in those companies’ contracts, like a $295 early termination fee and locked 4-year equipment agreements. If you have more information on Aurora Payments rates or fees, please contribute to this article by leaving a comment below.
Variable Contract Terms
Like many payment providers, Aurora Payments does not publicly list its rates. With the plethora of partnerships that Aurora has with other major service providers like Fiserv, Elavon, and TSYS, we will assume that some of their contracts could include rates familiar with these other companies. These companies utilize variable contract rates based on company size, type, and volume processed.
Negotiate Contract Pricing
We have not been able to find an Aurora Payments contract at this time. Businesses that have recently signed up for payment services through Aurora Payments are encouraged to leave a comment below describing their experience. Business owners are again encouraged to negotiate pricing and contract terms and to read all contracts thoroughly before signing in these cases. We also encourage businesses to check out our list of the providers of the best merchant accounts.
Aurora Payments Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Uses Independent Resellers
|Discloses All Important Provisions
No Independent Sales Teams
We have found no indication that Aurora Payments utilizes independent agents. This compares favorably to our list of best credit card processors. Job postings listed online have been for in-house and dedicated sales professionals.
Aurora Payments Contract Terms
Aurora Payments has openly announced their partnerships with Fiserv, Elavon, and TSYS. For more information on their particular contract details, we invite our readers to review the individual payment provider profiles.
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