Burlington Bank Card: Card Processing Reviews & Complaints
(800) 758-1002 Company Overview
Burlington Bank Card is a merchant account provider headquartered in Burlington, Vermont. The company appears to have been founded in 2002 and is a reseller of Elavon contracts.
Article Summary
Before we dive in, here’s a short summary of what we’ll cover:
- Burlington Bank Card’s various payment processing services.
- The company has received very few complaints online.
- Burlington Bank Card’s contract offers comprehensive custom pricing tiers at interchange-plus, which is very competitive.
Burlington Bank Card Payment Processing
Burlington Bank Card processes all major debit and credit cards. The company offers 3 different tiered and 3 different interchange-plus pricing plans. The company’s virtual terminal relies on Authorize.Net and Elavon Converge for its payment gateway. The company also advertises Poynt, NCR Silver, Lavu, and Talech as POS solutions. They also offer mobile solutions, payment gateways, cash discounts, and funding.
Location & Ownership
Burlington Bank Card is an Elavon Payments Partner and registered ISO/MSP of Elavon, Inc., and the company is headquartered at 148 College Street, Suite 202 B Burlington, VT. Dave Thomas is the owner and operator of Burlington Bank Card.
Table of Contents
- Costs & Contract: Appears to offer 3 different interchange-plus and…
- Complaints & Service: Has received fewer than…
- BBB Rating: Has no rating with the Better Business Bureau and has…
- Sales & Marketing: Does not appear to hire independent sales agents and has not…
Burlington Bank Card Customer Reviews
Here's What Their Clients Say
| Item | Result |
|---|---|
| Total Online Complaints | <10 |
| Live Customer Support | Yes |
| Most Common Complaint | N/A |
| Recent Lawsuits | No |
Clean Complaint Record
We are unable to locate any negative Burlington Bank Card reviews on any consumer protection websites, which is a strong indication that the company is not a ripoff or a scam. Burlington Bank Card states that it provides 24/7/365 customer service to its clients, but it’s unclear how much of this is handled in-house by Burlington Bank Card and how much is provided by Elavon. If you have your own Burlington Bank Card review to make, please do so in the comments below.
Burlington Bank Card Lawsuits and Fines
We have not found any outstanding class-action lawsuits or FTC complaints filed against Burlington Bank Card. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
Burlington Bank Card Customer Support Options
The total lack of complaints filed against the company suggests that most Burlington Bank Card clients are able to resolve their issues in-house. We have given the company an “A” in this category as a result, and its support team appears to function at a level similar to top payment processors for customer service.
Burlington Bank Card Customer Service Numbers
- (800) 758-1002 – Toll-Free Customer Support
- (802) 861-2605 – Local Office
Other Support Options
- Customer support form
Burlington Bank Card Online Ratings
Here's How They Rate Online
| Item | Result |
|---|---|
| BBB Reports | 0 |
Clean Complaint Record
Burlington Bank Card currently has no rating with the Better Business Bureau but is not BBB-accredited. The company has received 0 complaints and 0 reviews in the last 36 months.
An “A” Overall
It is the policy of this website to afford companies with a clean complaint record an “A” in this category. As such, we agree with the BBB’s former rating of an “A” in this case.
Burlington Bank Card Fees, Rates & Costs
A Closer Look at The Contract
| Item | Result | >
|---|---|
| Cancellation Penalties | No |
| Monthly & Annual Fees | Yes |
| Processing Rates | Interchange + (Variable) |
| Equipment Leasing | Yes |
Burlington Bank Card Pricing
Burlington Bank Card offers its clients interchange-plus and tiered pricing. There are 3 interchange-plus plans. The first plan charges interchange plus 0.10% plus $0.10. with a $10 monthly fee. The second charges a $35 per month interchange-plus plan with rates of interchange plus 0.05% plus $0.05. Lastly, the third charges a $75 monthly fee but a rate of interchange plus 0.00% plus $0.05.
Alternatively, clients can choose a tiered pricing model with 3 options for plans that each carry different rates and monthly service fees. The Clear and Simple Plan assesses a swipe rate of 2.75% plus $0.09, a keyed-in rate of 3.60% plus $0.09, and a monthly service fee of $10. The Low Average Ticket Plan has a swipe rate of 2.29% plus $0.09, a keyed-in rate of 3.29% plus $0.09, and a monthly service fee of $30. The High Average Ticket Plan has a swipe rate of 1.99% plus $0.19, a keyed-in rate of 2.99% plus $0.19, and a monthly service fee of $30.
According to a sample proposal from the company, the standard Burlington Bank Card contract appears to be an agreement of indeterminate length through Elavon that includes a monthly statement fee of $4.99, an annual PCI compliance fee of $55, and an interchange-plus markup of 0.10% plus $0.10 per transaction. The proposal makes no mention of an early termination fee (ETF), and the standard Elavon contract no longer includes an ETF, so it is likely that Burlington Bank Card does not enforce a cancellation penalty. Lastly, the company lists equipment rental options on its website ranging from $10 to $20 per month.
Virtual Terminal and Payment Gateway Pricing
In addition to its storefront payment processing services, Burlington Bank Card also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. The company uses Authorize.Net for its e-commerce solutions. Authorize.Net charges a rate of 2.90% plus $0.30 per transaction, a gateway fee of $25 per month, and a batch fee of $0.10. As a reseller of the payment gateway, Burlington Bank Card reserves the right to alter these terms and conditions. Alternatively, the company offers Elavon’s payment gateway, Converge. However, the pricing of that service is not disclosed.
Competitive Contract Terms
The proposal below outlines a competitive pricing plan for businesses of all sizes, and we cannot find any public complaints related to Burlington Bank Card’s pricing. We will therefore assume for now that the majority of the company’s clients are satisfied with their contract terms, which compare favorably to some of the cheapest merchant accounts available.
Burlington Bank Card Employee Reviews & Sales Tacitcs
Should You Work For Them?
| Item | Result |
|---|---|
| Uses Independent Resellers | No |
| Telemarketing | No |
| Misleading Marketing | No |
| Discloses All Important Terms | No |
No Sales Complaints
Burlington Bank Card appears to primarily market its services via strategic partnerships, an in-house sales team, and traditional advertising. There is no evidence at this time that the company employs independently contracted sales agents, and we have not found any Burlington Bank Card complaints that accuse the company’s sales team of deceptive tactics.
This compares favorably to our list of best credit card processors.
Transparent Pricing
Burlington Bank Card appears to place an emphasis on transparent rate quotes, and the company’s website provides a large amount of information about interchange-plus pricing, the most transparent pricing model available. The company’s clean complaint record and its efforts toward full pricing disclosure have earned it an “A” rating in this category. However, if you suspect that Burlington Bank Card has added undisclosed fees to your account, we recommend seeking a third-party statement audit.
Our Burlington Bank Card Review Summary
Our Final Thoughts
Burlington Bank Card rates as an exemplary credit card processing provider according to our rating criteria. The company appears to be fully committed to transparent pricing and low-commitment contracts, and it has not received any negative feedback online. Even when dealing with “A” rated providers, readers are encouraged to carefully review all contract terms and to compare the company’s offerings to the top overall credit card processors.
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How Did Burlington Bank Card Treat You?2 Responses
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Martin A.
I knew by October 2015 I would need to switch from a large processor, partly due to needing a new terminal and partly due to fees. I searched for 4 months for a better situation, hoping for a better proposal with each contact I made. I came across Burlington’s offer and I never looked back. Not only was Dave at Burlington great to work with, but everything about Elavon and the switch to it has exceeded my expectations. When you have smooth terminal setup, timely deposits, and no hidden fees, what else can you ask for!
CPO
Hi Martin,
Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!