Card One International Reviews & Complaints

Card One International Logo
Overall Score
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How did they treat you?
Pros and Cons
Pros: Cons:
Security: Offers fraud prevention and PCI compliance. Fraud Risk: Higher susceptibility to credit card fraud.
Fast Payment: Enables quicker transactions. Processing Fees: Can be high, especially for B2B.
Global Acceptance: Accepted worldwide. Security Concerns: Requires strong security measures to protect data.
Customer Reach: Expands online customer base. Chargebacks: Risk of financial implications for the merchant.
Versatile: Accepts major card brands and mobile payments. Complexity: Requires detailed bookkeeping and management.
Enhanced Cash Flow: Facilitates immediate funds transfer. Set-Up Effort: Initial setup and integration may be involved.


In this review of Card One International, we will provide a detailed overview of the company's credit card processing services. We will cover the range of services they offer, including point-of-sale (POS) systems, mobile payment solutions, and e-commerce capabilities. The review will identify the types of businesses that might benefit from these services. Additionally, we will examine client and customer reviews to highlight common trends and potential concerns. The article will also address the company's pricing structure, contract terms, and specific features provided. By the end of this review, you will understand whether Card One International meets your payment processing needs.

About Card One International

Founded in 2003, Card One International is a merchant account provider that serves most business types. The company is a First Data (now Fiserv) 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 Products and Services

Payment Processing

Card One International processes major debit and credit cards for various business types. Their services include POS systems, mobile payments, virtual terminals, payment gateways, fraud prevention, ACH and e-check processing, recurring billing, and QuickBooks compatibility.

Point of Sale Systems

Card One International offers point-of-sale (POS) systems to help businesses manage in-person transactions. These systems track sales data, manage inventory, and generate reports, providing a comprehensive overview of sales operations.

E-commerce Solutions

For online businesses, Card One International provides secure and efficient e-commerce solutions. Their platform processes online transactions, meeting the needs of online retailers.

Mobile Payment Processing

Card One International also offers mobile payment processing, enabling businesses to accept card payments via mobile devices. This service is useful for businesses operating in multiple locations or with mobile operations.

Merchant Services

In addition to payment processing, Card One International provides check processing, gift and loyalty programs, and cash advance services, offering a comprehensive suite of services beyond credit card processing.

Card One International Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints 15+
Live Customer Support No
Most Common Complaint Hidden Fees
Recent Lawsuits No

Analysis of Card One International Reviews

Our research uncovered over 15 negative Card One International reviews on various platforms. Some of these reviews label the company as a ripoff or a scam. Predominant complaints from customers include unexpected high rates, undisclosed fees, and issues with canceling services. These grievances seem mainly related to interactions with sales agents and customer service. We encourage those with experiences with Card One International to share their reviews in the comments for a more comprehensive understanding.

Legal Standing of Card One International

No class-action lawsuits or FTC complaints have been filed against Card One International to date. Clients seeking alternative ways to resolve disputes are advised to report to relevant supervisory bodies.

Evaluating Card One International’s Customer Support

Card One International offers general contact options, including phone and email, but lacks a specific customer support number. This could impact the efficiency of their customer service.

Card One International Contact Information

  • (800) 366-1841 – Toll-Free Customer Support
  • (866) 427-7297 – White Glove Customer Service
  • (310) 826-7000 – Local Office

Despite the availability of these contact options, an “A” rating is awarded for effort in customer support. However, to be considered a top-rated customer service processor, Card One International might need to enhance their support structure and clarity.

Card One International Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Reports 46

Under 5 Complaints

Card One International has an “A+” rating with the Better Business Bureau and is not BBB accredited. The company has received 3 complaints in the past 3 years.

What Merchants Say

In addition to 3 complaints, Card One International, Inc. has acquired 43 informal reviews on its BBB profile in the last 3 years, 2 of which are negative in tone. The vast majority of these reviews have been posted recently and some use very similar language, leading us to believe that these new reviews may be at the request of the company. The most recent negative review details misleading contract terms and bad customer service:

Cancelled our contract with this merchant account company. We were given a good rate at the beginning; within the next three months, our fees were more than doubled. When we questioned this, we were told that our clients had been using more rewards credit cards than in the past. However, we have repeat business from the same clients and they were using the same cards. When we did not accept this explanation and threatened to move our account, we were told our plan would be changed to get back to the lower fees, but this was not begun until two months after the date promised. We cancelled in February and were required to sign an agreement that our account could stay open an additional 30-60 days in case of chargebacks. I was told the account would be closed quickly. However, it was not closed till the beginning of May (after I called and complained) and we were charged a service fee of $5 for March and April, as well as a minimum processing fee of $25 for each month. We are OK with the service fees but not the minimum processing fees as we had no intention of processing any transactions with Card One after February and we had cancelled in writing. I would not recommend this company to anyone. They gave no satisfactory explanation for the highly increased fees, did not credit any amounts when we complained, and were very slow to handle our cancellation. The agreement I was required to sign mentioned nothing about continued fees and it was at the discretion of Card One as to when they actually got around to closing the account. I am not surprised that Card One is not BBB accredited.

Clients who find themselves in this position may benefit from taking the steps to cancel service without paying a termination fee.

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.

Card One International Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties Possible
Monthly & Annual Fees Yes
Processing Rates 1.00% - 4.99%
Equipment Leasing Yes

Three-Year Contract

The standard Card One International agreement features a three-year term in partnership with First Data (Fiserv), including a not specifically detailed early termination fee, an annual fee of $150, and an equipment lease facilitated through First Data Global Leasing. It is customary for Card One International to negotiate tailored rates and fees for each merchant, hence business owners should ensure they review all contract details comprehensively to preclude any unexpected costs.

Industry-Average Contract

Feedback on Card One International often points to issues like undisclosed fees and challenges encountered when attempting to terminate the service—issues that stem from the specifics of the contract. While the foundational contract terms do not align with those of the most competitive merchant accounts in terms of cost, the actual impact on merchants will depend on the specifics negotiated within the individual agreement. For further insight, prospective clients can refer to the Card1 Merchant Application and Card1 Program Guide.

For merchants seeking alternatives that might offer more favorable terms, we recommend exploring our selection of the best merchant account providers.

Card One International Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers Yes
Telemarketing Yes
Misleading Marketing 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 negative Card One International reviews that report hidden Card One International fees and unexpectedly high rates through Card One International. This does not compare favorably to our list of best credit card processors.

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.

Our Card One International Review Summary

Our Final Thoughts

According to all available information, Card One International rates as an average credit card processing provider. The company’s sales approach and contract terms appear to align with industry standards, suggesting a typical level of service without any standout features or significant drawbacks. While the company’s complaint record does not indicate major issues, it is important to note that the absence of severe complaints does not necessarily equate to exceptional service.

Merchants should exercise due diligence when considering Card One International, especially if they are unsure about the company’s offerings. Thoroughly examining the terms of any contract and comparing its pricing to those of top-rated merchant account providers is essential. This comparison can help ensure that merchants secure the most favorable terms and conditions, potentially avoiding unexpected costs or unfavorable contract clauses. By taking these steps, business owners can make more informed decisions and possibly find better deals with higher-rated providers.

Location & 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.

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Testimonials & Complaints

How Did Card One International Treat You?

15 User Reviews

  • Dan Maxwell

    Maxwell Law firm

    Honestly the lowest processing rates, fair contract, and amazing service. We do not have any complaints with card one international. This is a go to merchant service company if you want low monthly rates. Highly recommend them!

  • Laura Samuel

    My restaurant just received free credit card devices from card one and we couldn’t be happier. Great company with low rates, friendly agents, fair contracts and free devices!!. I recommend card one to any one who has a business and wants low rates.

  • David Beal

    Cooking Mates

    We’ve been using card one for 7 years and we are more than happy with their service. Its always a pleasure doing business with them and their friend team. I truly recommend card one to any business.

  • Todd G.

    I highly recommend card 1. We’ve been with Card1 since 2014 and our rates are much lower than the other credit card processors we’ve used before, that is why we switched. Their BBB rating is at 4.8 out of 5. This site should be updated

  • Michael Chin

    I cannot recommend Card One International because the customer service person who I was working with was either purposefully withholding information to delay the closure of my account or was just plain ignorant/incompetent. When I closed my business in 2018 I called Card One to close my account. I was told there would be an early termination fee although I had been a customer for over 4 years. Apparently the contract automatically renewed every 2 years and mine renewed earlier that year. I asked to see where that was stated on my contract and was emailed a copy of a contract with the 2 year renewal information seemingly pasted to the bottom of the contract in fine print. I elected to keep the account open and pay $37.50 per month for the remainder of the contract instead of paying over $1,000 in early termination fees. I emailed them several times to remind them to close the account as the next renewal date approached. When they continued to withdraw fees after the account should have been closed I was told that I needed to fax them a “request to close account” form. I was never told that in the 18 months from when I originally requested to close the account. Therefore, the account remained open longer than it should have and I ended up paying more fees.

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