Authorized Credit Card Systems Review: Fees, Complaints & Lawsuits

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Authorized Credit Card Systems
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Authorized Credit Card Systems

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PhonePhone(512) 535-0120 View Pricing

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A Full-Service Merchant Account Provider

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.

Authorized Credit Card Systems Payment Processing

Authorized Credit Card Systems processes all major debit and credit cards for most business types. Their services include POS systems from the above companies, EMV card readers and swipers, access to virtual terminals, mobile solutions, payment gateways, ACH processing, and invoicing.

Authorized Credit Card Systems Location & Ownership

Authorized Credit Card Systems is headquartered at 4515 Menchaca Rd Suite 201, Austin, TX 78745, and does not publicly list its acquiring bank. Keith Miller is the president of Authorized Credit Card Systems.

Authorized Credit Card Systems Review Table of Contents

  • Costs & Contract: Authorized Credit Card Systems offers variable contract terms depending on each merchant’s business type, size, and processing history.
  • Complaints & Service: Authorized Credit Card Systems complaints number fewer than 10 on public complaints forums.
  • BBB Rating: Authorized Credit Card Systems currently has an “A+” rating with the Better Business Bureau and has received 0 complaints in the last 3 years.
  • Sales & Marketing: Authorized Credit Card Systems does not appear to hire independent sales agents and has not received any complaints about its sales practices.
Authorized Credit Card Systems payment processing

Authorized Credit Card Systems offers a variety of payment processing services

Should You Trust Authorized Credit Card Systems?

Lawsuits, Reviews & Complaints

Here's Who We Trust.

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint

No Public Complaints

We are currently unable to locate any Authorized Credit Card Systems reviews that accuse the company of being a ripoff or a scam. This seems to indicate that Authorized Credit Card Systems employs a proactive and available customer support team. If you have your own Authorized Credit Card Systems review to make, please do so in the comments below.

Authorized Credit Card Systems Lawsuits and Fines

We have not found any outstanding class-action lawsuits or FTC complaints filed against Authorized Credit Card 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.

Authorized Credit Card Systems Customer Service Options

The Authorized Credit Card Systems website provides general phone and email contact information but does not list a dedicated customer support number. The company does claim, however, to offer round-the-clock customer support to merchants within two hours of the Austin area.

We have located multiple Authorized Credit Card Systems customer service phone numbers:

(512) 535-0120 – Local Office
(603) 386-6610 – Fax

Authorized Credit Card Systems also offers a customer support form on its website.

We will award Authorized Credit Card Systems an “A” rating in this category, but the company’s current customer support options do not qualify it as a top-rated customer service processor.

Is the BBB Rating for Authorized Credit Card Systems Accurate?

Better Business Bureau Profile

See Which Processors Offer No Monthly Fees And No Contracts.

BBB Summary

Total Complaints
Resolved Complaints

Clean Complaint Record

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.

How Expensive is Authorized Credit Card Systems Service?

Rates, Fees, and Contract Terms

Don't Fall Into An Expensive Trap. See Who The Worst Processors Are.

Cost Summary

Swiped Rate
0.5% - 3.00%
Keyed-In Rate
0.5% - 3.00%
Early Termination Fee
PCI Compliance Fee
Equipment Lease Terms

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.

Does Authorized Credit Card Systems Use Deceptive Marketing?

Advertising & Sales Strategy

Audit Your Current Statement To Find Its Hidden Fees

Processing statements are intentionally complicated so that they can overcharge you. Get clarity before you switch.

Key Points

Employs Independent Resellers
Advertises Deceptive Rates
Discloses All Important Terms

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 of best 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.

Does Authorized Credit Card Systems Deserve Your Business?

Review Summary & Our Thoughts

A Reliable Option for Most Merchants

According to all available information, Authorized Credit Card Systems rates as a dependable merchant services provider. There is not a lot of specific information available about the company’s sales tactics or contract terms at this time, but its clean complaint record is a very 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.

Customer & Employee Reviews

What Others Are Saying About Authorized Credit Card Systems

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Phillip Parker
Credit Card Processors
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