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Card Concepts Review: Fees, Comparisons, Complaints & Lawsuits
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A Global Payments Reseller
Card Concepts Merchant Services is a merchant account provider that was established in 2009. Card Concepts appears to be an independent reseller of Global Payments contracts. It should be noted that the company may easily be confused with Card Concepts, Inc., a vended laundry payment solutions company, but the two entities are entirely unrelated.
Card Concepts Merchant Services Payment Processing
Card Concepts Merchant Services processes all major debit and credit cards for most business types. Their services include POS solutions from Elev8POS, e-commerce solutions, mobile solutions, gift and loyalty programs, check processing, and ATM services.
Card Concepts Merchant Services Location & Ownership
The company’s corporate address is located at 711 Deerwood Ave., Suite A, Neenah, Wisconsin 54956, and Card Concepts is a registered ISO/MSP of Wells Fargo Bank, N.A., Concord, California. Travis Rogers is the president of Card Concepts Merchant Services.
Card Concepts Review Table of Contents
- Costs & Contract: Card Concepts appears to offer variable contract terms through Global Payments.
- Complaints & Service: Card Concepts complaints number fewer than 10 on public complaints forums.
- BBB Rating: Card Concepts Merchant Services has an “A+” with the Better Business Bureau and has received 0 complaints in the past 3 years.
- Sales & Marketing: Card Concepts appears to hire independent sales agents and has received at least one complaint about its sales practices.
Card Concepts Customer Reviews
Here's What Their Clients Say
|Total Online Complaints||<10|
|Live Customer Support||Yes|
|Most Common Complaint||N/A|
Low Complaint Total
As of this update, we are able to locate only one negative Card Concepts Merchant Services review, and this review does not describe the company as a scam. This Card Concepts complaint mentions poor sales representation by the company and difficulty reaching the company’s customer service in order to complain about this sales experience. It appears to be an isolated incident. If you have your own Card Concepts review to make, please do so in the comments below.
Card Concepts Lawsuits
We have not found any outstanding class-action lawsuits or FTC complaints filed against Card Concepts. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
Card Concepts Service Options
Merchants should be aware that Card Concepts possibly outsources its customer support to Global Payments, which could result in the larger company receiving the bulk of complaints. The Card Concepts website features a contact form and a customer service phone number. Customer service hours are M-F 8:30am-4:30pm.
We have located a single Card Concepts customer service number:
(877) 705-1515 – Toll-Free General Customer Service
Card Concepts does not offer a dedicated email support address, however it does a support form on its website.
The company does not qualify as a top credit card processor for customer service. Even so, the general lack of complaints about the company compels us to award it an “A” in this category.
Card Concepts Online Ratings
Here's How They Rate Online
No BBB Complaints
Card Concepts Merchant Services is not an accredited business of the Better Business Bureau and presently has an “A+” rating. The complaint section of its profile shows 0 complaints in the last 36 months. The BBB cites the company’s time in business as a major factor improving its grade.
An “A” Performance
Given the company’s clean complaint record and good standing with the BBB, we agree with the BBB’s rating. Merchants should note, however, that there are good reasons to be skeptical of the BBB’s rating system.
Card Concepts Fees, Rates & Costs
A Closer Look at The Contract
|Swiped Rate||1.00% - 4.99%|
|Keyed-in Rate||1.00% - 4.99%|
|Virtual Terminal Rate||1.00% - 4.99%|
|Payment Gateway Fee||Undisclosed|
|Early Termination Fee||$500 or Liquidated Damages|
|Annual Maintenance Fee||$299|
|Equipment Lease Terms||48 Month (locked)|
Variable Contract Terms
At this time, we are unable to locate any complaints about the standard Card Concepts contract, and we therefore have very little information about it. Card Concepts rates are not list directly on its website, instead providing contact information for merchants to have their current rates reviewed in respect to a quote that the company can offer them.
The company appears to resell the services of Global Payments, so it is likely that its standard Card Concepts contract terms resemble those of Global Payments. Global Payments offers a wide variety of processing rates likely to vary depending on a merchant’s business type, size, and time in business.
For the purposes of this review, Global Payments fees are referenced to approximate what merchants can expect from Card Concepts. Fees associated with a typical contract with Global payments include an early termination fee of $500 per location or Liquidated Damages, whichever is greater, which is as expensive as termination fees get, as well as a 48-month equipment lease which cannot be canceled. Merchant reviews have also claimed being charged an undisclosed $299 annual maintenance fee, account holds, and difficulty closing their accounts.
Virtual Terminal and Payment Gateway Pricing
In addition to its storefront payment processing services, Card Concepts also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. However, pricing is not disclosed on either of those services. Additional Card Concepts rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.
Share What You Know
To ensure that merchants receive the best rates, we recommend selecting from the cheapest merchant accounts. If you have any knowledge of Card Concepts’ standard contract (including any early termination fees or monthly minimum fees, please leave that information in the comment section below.
Card Concepts Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Employs Independent Resellers||Yes|
|Advertises Deceptive Rates||No|
|Discloses All Important Terms||No|
Independent Sales Team
Card Concepts appears to primarily market its services through its website and through independent sales offices. Despite its use of resellers, there is only one public Card Concepts review at this time that mentions inept and misleading sales tactics by a company representative. If you suspect that Card Concepts is charging you undisclosed fees, we recommend seeking a free third-party statement audit to find and eliminate hidden costs.
No Deceptive Advertising
To its credit, the company does not appear to engage in deceptive advertising tactics in its official materials. If you have had any experience with the Card Concepts sales force, please describe that communication in the comment section below.
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