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Should You Choose Authorized Credit Card Systems for Your Merchant Account?

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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.

Authorized Credit Card Systems

Rating
A
5/5
full starfull starfull starfull starfull star

Pros and Cons of Authorized Credit Card Systems

Pros

Transparent pricing models
Month-to-month contracts
Diverse payment solutions
Secure transaction processing
A+ BBB rating

Cons

Potential hidden fees
Monthly minimum charges
Early cancellation fees
Limited online reviews
No 24/7 support

Overview

In this review of Authorized Credit Card Systems, we take a closer look at the company’s credit card processing services. Their offerings include point-of-sale systems, mobile payment options, and e-commerce features built to support a variety of businesses. We’ll highlight which businesses may benefit most from these services. We’ll also review client and customer feedback to identify common trends and concerns. In addition, we’ll cover pricing, contract terms, and included services. By the end, you’ll know whether Authorized Credit Card Systems is the right fit for your payment processing needs.

About Authorized Credit Card Systems

Screen Capture of Authorized Credit Card Systems Homepage
Authorized Credit Card Systems Homepage

Founded in 2006, Authorized Credit Card Systems is a merchant account provider that serves most business types. The company is partnered with seven different back-end payment processors, and it primarily serves the medical, restaurant, construction, and automotive industries. Authorized Credit Card Systems is a reseller of Harbortouch, Talech, and Poynt point-of-sale products.

Products & Merchant Services

Payment Processing

Authorized Credit Card Systems processes major debit and credit cards for various business types.

POS Systems

Point of Sale (POS) systems are the cornerstone of retail and service operations, enabling businesses to manage sales transactions, inventory, and customer data all in one platform. These systems are designed to streamline the checkout process by supporting various payment methods, including credit cards, mobile payments, and digital wallets.

EMV Card Readers and Swipers

EMV card readers and swipers are components of secure payment processing. These devices are designed to read the chip embedded in EMV cards, which provides a higher level of security compared to traditional magnetic stripe readers.

Virtual Terminals

Virtual terminals offer businesses a flexible solution for processing payments remotely, without the need for physical card readers. These online platforms allow merchants to manually enter customer payment information received over the phone, via email, or through online forms.

Mobile Solutions

Mobile solutions provide businesses with the flexibility to accept payments on the go, whether in-store, at events, or during service calls. These solutions typically include portable card readers that connect to smartphones or tablets, enabling businesses to process payments anywhere.

Payment Gateways

Payment gateways are for businesses that process online transactions. They act as the secure bridge between a customer’s payment method and the merchant’s bank account, ensuring that payment information is transmitted safely and efficiently. A reliable payment gateway supports multiple payment methods, including credit cards, digital wallets, and direct bank transfers, while also offering fraud detection and prevention features.

ACH Processing

ACH (Automated Clearing House) processing offers businesses a cost-effective and secure method for handling electronic payments directly from customers’ bank accounts. This payment option is ideal for recurring transactions, such as subscriptions or bill payments, as it allows for automated and timely transfers with lower processing fees than credit cards.

Invoicing

Invoicing is a fundamental aspect of managing business transactions, providing a clear and professional way to request payment from customers. Modern invoicing solutions allow businesses to create, send, and track invoices digitally, making the process more efficient and reducing the likelihood of errors.

Customer Reviews & Sentiment

No Public Complaints

Currently, we are unable to find any significant Authorized Credit Card Systems reviews labeling the company as a ripoff or a scam. This absence of negative feedback might reflect well on their customer support team’s effectiveness. We encourage customers to share their own Authorized Credit Card Systems reviews in the comments section.

Authorized Credit Card Systems Lawsuits and Fines

No substantial class-action lawsuits or FTC complaints have been found against Authorized Credit Card Systems. Merchants preferring non-litigious methods for addressing issues may consider reporting to relevant supervisory organizations.

Authorized Credit Card Systems Customer Service Options

The Authorized Credit Card Systems website offers general contact information, including phone and email, but does not specify a dedicated customer support line. The company does, however, claim to provide prompt local support for merchants near the Austin area.

Industry Scores & User Ratings

Online Ratings Summary
PaymentPop5
BBB RatingN/A
Google Maps5
Average Rating5

PaymentPop Rating for Authorized Credit Card Systems

Negative Feedback

There are no negative reviews published about Authorized Credit Card Systems on the PaymentPop website.

Positive Feedback

I liked working with Authorized Credit Card Systems because everything was super easy and straight to the point. No hidden fees or extra costs. It’s been low maintenance, highly recommend.

Authorized Credit Card Systems BBB Rating

Authorized Credit Card Systems has an “A+” rating with the Better Business Bureau and has been BBB accredited since 2009. 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.

Google Maps Rating for Authorized Credit Card Systems

Authorized Credit Card Systems has a 5 out of 5 star rating based on 6 user reviews on Google Maps.

Positive Feedback

The Authorized Credit Card Systems team has been extraordinary to work with! They are kind, responsive, helpful, and gracious. I highly recommend!

Negative Feedback

There are no negative reviews published about Authorized Credit Card Systems on Google Maps.

Processing Rates & Fees

Authorized Credit Card Systems Contract Terms

There is no publicly available information about the standard Authorized Credit Card Systems contract at this time. It is probable that the company customizes its pricing and terms according to each merchant’s business type, location, and processing history. Authorized Credit Card Systems advertises no long-term contracts, an effective rate between 0.5% and 3% (which may simply be an interchange-plus markup), and free equipment for all of its merchants, which indicates that it likely does not lease credit card processing equipment.

No Red Flags

The total absence of Authorized Credit Card Systems complaints about the company’s contract terms merits an “A” in this category, but it should be noted that we are assigning this grade without any verified knowledge of specific pricing. It is difficult to assess at this time whether Authorized Credit Card Systems’ contract terms are competitive with the cheapest merchant accounts. We also encourage merchants to check out our list of the providers of the best merchant accounts.

Employee Reviews & Sales Practices

Inside Sales Team

Authorized Credit Card Systems appears to rely primarily on in-house staff to market its services. There is no evidence at this time indicating that the company employs a large team of independent sales agents, and we are unable to locate any Authorized Credit Card Systems reviews that report unethical behavior by the company’s sales staff. This compares favorably to our list ofbest credit card processors.

Authorized Credit Card Systems Rate Quotes

The Authorized Credit Card Systems website prominently quotes rates “as low as 0.5%” and “no higher than 3% per transaction” in various places. Ordinarily, we would consider these Authorized Credit Card Systems rate quotes unrealistically low and incomplete. However, the company takes care to specify that these are effective rates, which is an important factor to flag for merchants. If a company primarily discusses low effective rates rather than low per-transaction rates, it is more likely to be presenting a holistic picture of its pricing. If you suspect that Authorized Credit Card Systems is charging you undisclosed fees, we recommend seeking a third-party statement audit to eliminate hidden charges.

Authorized Credit Card Systems Competitors

Compare Authorized Credit Card Systems to competitors that earned top marks.

Bottom Line

Authorized Credit Card Systems is considered a dependable merchant services provider based on all available data. Although specific information about the company’s sales tactics and contract terms is currently limited, its clean complaint record is a strong indicator of customer satisfaction. Nevertheless, we urge merchants to meticulously review any contract terms provided, even with companies rated highly by our standards. Comparing these terms and pricing with those of top-rated merchant account providers ensures businesses receive the best value and understand the contract’s finer details. Such diligence will help you select a provider that aligns with your financial goals and protects against unexpected challenges down the road.

Read Actual User Reviews

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

Contact Authorized Credit Card Systems

Contact & Customer Support
PresidentKeith Miller
Headquarters4515 Menchaca Rd Suite 201, Austin, TX 78745
Local Office(512) 535-0120
Fax(603) 386-6610
Websiteauthorizedccs.com