BankCard Central Overview

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A Merrick Bank Reseller

BankCard Central ( is a full-service merchant account provider serving both small and large businesses. There is some evidence that BankCard Central resells the services of Merrick Bank Merchant Services or relies on Merrick Bank for its processing network.

BankCard Central Location and Ownership

The address given on the company’s website is 1321 Burlington Street, Suite B, North Kansas City, Missouri 64116. BankCard Central is a registered ISO/MSP of Merrick Bank, South Jordan, Utah. Richard Noble is the CEO of BankCard Central.

BankCard Central Review Table of Contents

  • Costs & Contract: BankCard Central offers a two-year contract through Merrick Bank with an early termination fee of up to $395.
  • Complaints & Service: BankCard Central has received fewer than 10 public complaints.
  • BBB Rating: BankCard Central has an “A+” rating with the Better Business Bureau and has received 0 complaints in the past three years.
  • Sales & Marketing: BankCard Central appears to hire independent sales agents but has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With BankCard Central

BankCard Central Statement Analyzer

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Products & Services Offered

Types of Businesses Served

  • Retail
  • MOTO
  • E-commerce
  • Seasonal
  • Firearms
  • High risk

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BankCard Central Rates, Fees, and Costs

Key Points

Swiped Rate 2.5% + $0.20
Keyed-in Rate 3.5% + $0.20
Early Termination Fee $250 - $395
Monthly Minimum Fee $25
Monthly Support Package Fee $15
PCI Compliance Fee $4.95/mo

Two-Year Contract

The standard BankCard Central contract (available below) is a two-year agreement through Merrick Bank with an early termination fee of either $250 or $395, a monthly minimum fee of $25, a monthly support package fee of $15, and a PCI Compliance fee of $4.95 per month.

Industry-Standard Pricing

These contract terms are more or less average for the industry, but they may be subject to variation depending on a merchant’s business type, size, and time in business. Merrick Bank, who provides BankCard Central’s contracts, in turn relies upon TSYS for its back end processing. This means that the rate structure of their agreements likely resembles that of a standard TSYS merchant agreement. TSYS offers listed a swipe rate of 2.5% plus $0.20 per transaction and a keyed-in rate of 3.5% plus $0.20 per transaction. The company’s rating has been slightly raised in this section due to the absence of complaints related to its costs. Merchants are encouraged to read all contract terms before signing and to negotiate for the best rates and lowest fees (see: “Fee Sweep“). See the BankCard Central Merchant Agreement.

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Response from BankCard Central

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BankCard Central Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

No Public Complaints

As of this update, we could not locate any negative reviews of BankCard Central that accuse the company of being a scam or ripoff. This is an exceptionally low complaint rate for a company of BankCard Central’s size and time in business, and it indicates a proactive approach to customer service.

BankCard Central Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against BankCard Central. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

BankCard Central Customer Support Options

The company’s website offers dedicated phone support for both its merchant accounts and its VerePay gateway, and this combination appears to do an excellent job of resolving merchant complaints in-house. For now, BankCard Central appears to compete with even the top-rated payment processors for great customer service.

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Response from BankCard Central

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BankCard Central BBB Rating Summary

Key Points - BBB

Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Clean Complaint Record

It appears that BankCard Central has opened a file with the Better Business Bureau but is not yet accredited. At this time of review, the company has an “A+” rating and has had 0 complaints closed with the BBB within the last three years. It has also not had any informal reviews posted to its profile.

An “A” Performance

Given the company’s complaint total, we agree with the BBB’s rating at this time. However, merchants should be aware that there are good reasons to be skeptical of the BBB’s rating system.

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Response from BankCard Central

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms No

Outside Sales Team

It appears that BankCard Central utilizes independent resellers, sub-ISOs, and outside sales agents to market its services. Generally speaking, this practice makes it difficult for a company to monitor and regulate its sales team, which often results in elevated complaint rates. In the case of BankCard Central, however, it does not appear to be a problem.

No Deceptive Quotes

At the time of this review, we are unable to locate any BankCard Central reviews that mention a negative experience with the company’s sales team, and BankCard Central does not appear to engage in deceptive advertising strategies in its official materials. If you suspect, however, that BankCard Central is overcharging you, you can double-check your monthly bill with a third-party statement audit.

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Response from BankCard Central

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Our Opinion of BankCard Central

A Solid Option for Most Business Types

According to all available information, BankCard Central rates as a reliable merchant services provider. The company is not showing any complaints on this site or elsewhere, and, aside from its use of independent resellers and average contract terms, we were unable to locate any red flags that should cause merchants to have reservations about BankCard Central. Even when dealing with highly rated companies, merchants are encouraged to aggressively negotiate contract terms and to compare their quotes to those offered by top-rated merchant account providers.

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Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so built this website to help small business owners research which service providers to use and how to save money on rates and fees. I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers here. I can help you save money with your current merchant account or help you find a new one. Message me here to get started.

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