Updated 1/16/19: The Bancard Systems website has been inactive for over two years as of this update, and it appears that the company is no longer in business. If you have any knowledge of Bancard Systems’s status (including any rebrandings or DBAs, please share that information in the comment section below this review.

Founded in 1991, Bancard Systems (bancardsystems.com) is a Valencia, California-based merchant account provider that serves most standard-risk business types. The company is a reseller of First Data and Elavon products and services and is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, California, and Elavon. James Gallo is the president of Bancard Systems, which is headquartered at 25060 Avenue Stanford #260, Santa Clarita, California 91355.

Customer Reviews & Sentiment

We are currently unable to locate any negative Bancard Systems reviews, and there is no evidence to suggest that the company is a scam. This clean complaint record is exceptional for a company that has been in operation since 1991. It’s possible that Bancard Systems serves a very small merchant base, or that some complaints intended for Bancard Systems are instead filed against First Data and Elavon. However, we can find no evidence that this is occurring. Bancard Systems offers phone and email contact information on its website and states that it offers 24/7 phone support.

Client Satisfaction Ratings

Online Ratings Summary
Product & Service Complaints0
Billing & Collection Complaints0
Advertising & Sales Complaints0
Guarantee & Warranty Complaints0
Delivery Complaints0

Bancard Systems currently has an “A+” rating with the Better Business Bureau and is not showing BBB accreditation. The company has not received any complaints in the past three years. It also has not received any positive or negative informal reviews on its BBB profile, although it should be noted that these reviews are not subject to verification by the BBB. In light of the company’s spotless BBB profile, we agree with its “A+” rating.

Card Processing Rates & Fees

There is very little publicly available information about the standard Bancard Systems contract at this time. The company’s website states that it does not charge statement fees, application fees, batch header fees, or reprogramming fees, but it mentions nothing about potential early termination fees, PCI compliance fees, monthly minimum fees, or pricing structures. It is highly likely that Bancard Systems customizes its pricing according to each business’s size, time in business, and processing history, so merchants should be sure to request and review all relevant documentation before opening an account. We cannot currently find any complaints relate to Bancard Systems’s pricing and fees, so we will assume that most of the company’s merchants are content with the rates they pay. If you have any specific knowledge of the standard Bancard Systems contract, please share that information in the comment section of this review.

Bottom Line

Bancard Systems rates as a reliable merchant services provider according to all available information. The company enjoys a clean complaint record after over 20 years in business and appears to emphasize transparent sales practices and quality customer support. Our rating for Bancard Systems may be subject to change once more information is available about its contract terms.

Bancard Systems Rating

A
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