Card Concepts Review: Fees, Comparisons, Complaints & Lawsuits

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Card Concepts Rating
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image of a phone image of a phone that changes when your mouse hovers over it (877) 705-1515 View Pricing

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 Merchant Services payment processing

Card Concepts Merchant Servies offers standard payment processing services

Card Concepts Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Item Result
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

Online Ratings Summary
Item Result
Total Complaints 0
Resolved Complaints 0

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

Cost & Fees Summary
Item Result
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 Merchant Services e-commerce

Card Concepts Merchant Services offers e-commerce services including virtual terminals and payment gateways

Card Concepts Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Item Result
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.

Our Card Concepts Review Summary

Our Final Thoughts

Solid Option for Most Standard-Risk Merchants

Card Concepts Merchant Services rates as a reliable merchant services provider. The credit card processor is showing only one complaint on other consumer protection websites, and although little is known about its contract terms at this time, we did not find any information that suggests that the company is a scam. Merchants who sign up with Card Concepts can probably expect the same contract terms and customer service that Global Payments provides. Merchants should still inquire about all possible terms before signing up for service, and compare Card Concepts’ opportunities to those offered by top-rated payment processors.

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Your Comments & Reviews

How Did Card Concepts Treat You?

2 Responses

  • Peter Jessie

    Card Concepts has been a game-changer for my business! Their payment processing solutions are top-notch and have significantly streamlined our operations. From the moment we partnered with them, the whole experience has been seamless.

    The range of services they offer is impressive, catering to our specific needs and industry requirements effortlessly. The team’s expertise and support are unparalleled; they’re always just a call away to assist with any questions or concerns.

    With Card Concepts, our transactions have become faster, more secure, and reliable. I especially appreciate the user-friendly interface, which has made training our staff a breeze. Our customers also appreciate the convenience and ease of making payments.

    I wholeheartedly recommend Card Concepts to any business seeking a trustworthy payment processing partner. Their professionalism and approachability make them stand out from the competition. We couldn’t be happier with their services!

    • Travis Rogers

      Card Concepts Merchant Services, Inc

      Thank you!! That means a lot to us and we thank you for your business.

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