Card One International Review

Card One International Overview

A Full-Service Merchant Account Provider

Founded in 2003, Card One International is a merchant account provider that serves most business types. The company is a First Data and TSYS reseller. The “international” in the company’s name appears to refer to the fact that its merchants can accept payments from buyers in other countries, not any overseas offices or banking partners maintained by Card One.

Card One International Location and Ownership

Card One International is headquartered at 11661 San Vicente Blvd., Suite 901 Los Angeles, California 90049, and is a registered ISO/MSP of Wells Fargo Bank NA, Concord, CA. Alex Hemmat is the CEO of Card One International.

Card One International Review Table of Contents

  • Costs & Contract: Card One International offers a three-year contract through First Data with a variable termination fee.
  • Complaints & Service: Card One International has received more than 15 public complaints.
  • BBB Rating: Card One International currently has an “A+” rating with the Better Business Bureau and has received 7 complaints in the last 3 years.
  • Sales & Marketing: Card One International hires independent sales agents and has received over 10 complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Card One International
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Products & Services Offered

Types of Businesses Served

  • Retail
  • E-commerce
  • Mobile
  • MOTO

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Card One International Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-In Rate 1.00% - 4.99%
Virtual Terminal Rate 1.89% + $0.23 - 2.90% + $0.30
Payment Gateway Fee None
Payeezy Pro Plan Fee $19.95
Annual Fee $150
Early Termination Fee Variable
PCI Compliance Fee $150
Equipment Lease Terms 48 Month (locked)

Three-Year Contract

The Card1 merchant application and program guide detail a three-year contract through First Data with an unspecified early termination fee, a $150 annual fee, and a built-in equipment lease through First Data Global Leasing. The company likely enters custom rates and fees for each merchant, so business owners are encouraged to request all contractual documentation to avoid unpleasant surprises.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Card One International’s program guide also refers to virtual terminal and payment gateway through Payeezy, powered by First Data. Payeezy offers 2 separate plans, the Basic Plan and Pro Plan. Neither plan charges setup fees, statement fees, or gateway fees. The Basic Plan charges a rate of 2.90% plus $0.30. Meanwhile, the Pro Plan offers a lower rate of 1.89% plus $0.23 and a monthly fee of $19.95.

Industry-Average Contract

Most of the publicly available complaints about Card One International describe hidden fees or difficulty canceling service, two problems that are directly related to the company’s contract terms. The company’s base contract terms are not competitive with the cheapest merchant accounts, and there is potential (based on the actual numbers entered into the merchant application and leasing agreement) for them to cost far more than the average merchant account.

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Response from Card One International

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Card One International Complaints & Customer Reviews

Key Points

Total Online Complaints 15+
Live Customer Support No
Most Common Complaint Hidden Fees

Low-to-Moderate Complaint Total

We are currently able to locate over 15 Card One International complaints, some of which accuse the company of being a ripoff or a scam. Common complaints include higher-than-expected rates, undisclosed fees, and difficulty cancelling service. The majority of these complaints appear to stem from negative interactions with sales agents and customer service.

Card One International Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Card One International. 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 One International Customer Support Options

The Card One International website provides general phone and email contact information but does not list a dedicated customer support number. We will award Card One International an “A” rating in this category, but the company’s current customer support options do not qualify it as a top-rated customer service processor.

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Response from Card One International

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Card One International BBB Rating Summary

Key Points - BBB

Product & Service Complaints 3
Billing & Collection Complaints 4
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Under 10 Complaints

Card One International has an “A+” rating with the Better Business Bureau and is not BBB accredited. The company has received six complaints in the past 36 months, with 4 related to billing and collection and 3 related to product or service problems. The company has successfully resolved 1 complaint, while the remaining 6 complaints have been answered but have yet to receive a final response from the merchant.

An “A” Performance

Given the company’s low complaint total, we agree with the BBB’s rating at this time. This may change, however, if the complaint total continues to climb.

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Response from Card One International

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers Yes
Advertises Deceptive Rates Yes
Discloses All Important Terms Yes

Outside Sales Team

Card One International appears to rely on a team of independent sales agents to market its services. The use of independent sales agents is often linked to higher-than-average complaint totals, and we have found over 10 Card One International complaints that report hidden fees and unexpectedly high rates through Card One International.

Card One International Rate Quotes

The Card One International website currently promotes a “1.15% rate and free machine” on its homepage. This quote is likely the company’s qualified debit rate, and there is no mention of higher mid-qualified and non-qualified rates that the company charges. We consider this type of rate quote to be deceptive because it could give merchants an unrealistic expectation of the rates they will pay.

Average Sales Approach

To its credit, the company provides all of its blank contractual documentation on its website. If you suspect that Card One International is charging you undisclosed fees, we recommend seeking a third-party statement audit to eliminate hidden charges.

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Response from Card One International

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Card One International Logo

Our Opinion of Card One International

A Standard Option for Most Merchants

According to all available information, Card One International rates as an average merchant services provider. The company’s sales approach and contract terms are about standard for the industry, but its complaint record doesn’t indicate major issues with the company. When dealing with a company they are unsure about, we urge merchants to thoroughly examine the terms of any contract they are given and to compare its pricing to top-rated merchant account providers.

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Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, 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 on this website.

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