Card Payment Direct Review

Card Payment Direct Overview

Card Payment Direct May Have Overcharged You

If you accepted credit cards through Card Payment Direct or any other credit card processing company between 2017 and 2019, recent changes to the law may entitle you to refunds of certain debit card and credit card processing errors and overcharges. See this post to find out if your were among the businesses affected and to learn how you can get your money back.

A Possible iPayment Reseller

Card Payment Direct is a merchant account provider headquartered in Scottsdale, Arizona. The company caters to small and medium-sized retail and e-commerce businesses in the United States. It appears to be an ISO of iPayment.

Card Payment Direct Location and Ownership

Launched in 2006, the company is a registered ISO/MSP of Wells Fargo Bank, N. A. in Walnut Creek, California, and is located at 13845 North Northsight Blvd., Suite 105, Scottsdale, Arizona 85260. David Moser is listed as the founder and CEO of Card Payment Direct.

Card Payment Direct Review Table of Contents

  • Costs & Contract: Card Payment Direct offers a three-year contract through iPayment with an early termination fee of $350.
  • Complaints & Service: Card Payment Direct has received fewer than 10 public complaints.
  • BBB Rating: Card Payment Direct has an “A+” rating and has received 1 complaint and 1 review in the past three years. The company has been accredited by the BBB since 2011.
  • Sales & Marketing: Card Payment Direct appears to hire independent sales representatives and has received some complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Card Payment Direct
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Products & Services Offered

Types of Businesses Served

  • Retail
  • MOTO
  • Mobile
  • E-commerce

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Card Payment Direct Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-in Rate 1.00% - 4.99%
Virtual Rate 1.00% - 4.99%
Payment Gateway Fee Undisclosed
Monthly Minimum $25
Chargeback Fee $25
Account Maintenance and Statement Fee $9.99 Per Month
Application and Set Up Fee $195
Gateway Fee $10 Per Month
Wireless Terminal Fee $19.95 Per Month Per Terminal
Annual Fee $99
Early Termination Fee $250-$350
PCI Non-Compliance Fee $30 Per Month
PCI Compliance Fee Variable
Business Verification Fee $25
Regulatory Fee $2
Equipment Lease Terms 48 Month (locked)

Three-Year Contract

The standard Card Payment Direct merchant agreement is a three-year agreement with tiered pricing, an early termination fee of $250 to $350, a $25 monthly minimum fee, a $99 annual fee, an application and setup fee of $195, a monthly account maintenance and statement fee of $9.99, a monthly iAccess Online Viewing fee of 14.95, a chargeback fee of $25 per incident, a monthly gateway fee of $10, a wireless terminal monthly gateway fee of $19.50 per terminal, an annual PCI Compliance fee that will vary according to the merchant’s compliance history, a monthly PCI non-compliance penalty of $30 for merchants who have not completed their PCI self-assessment, a one-time $25 business verification fee due within 30 days of account setup, and a $2 regulatory fee.

Expensive equipment leases through First Data Global Leasing are also associated with Card Payment Direct through iPayment, whose agreements last 48 months and cannot be canceled.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Card Payment also dedicates a portion of its website that advertises its virtual terminal and payment gateway services. However, pricing on either of those services is not disclosed. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.

Fees Galore

All told, this document lists 13 different fees of varying amounts that merchants may encounter. Some of these fees may be waived by sales agents after strong negotiation, and, given the fact that this sample document is a MOTO application, some of these fees may not apply to face-to-face merchants. Even so, the overall cost of a Card Payment Direct merchant agreement appears to be much higher than the cheapest merchant accounts, which is consistent with other reports of iPayment’s contract terms.

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Response from Card Payment Direct

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Card Payment Direct Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

Low Complaint Total

We are currently able to locate fewer than 10 Card Payment Direct complaints outside of the BBB, and these complaints do not outright accuse the company of being a scam or a ripoff. Most complaints are from merchants, but at least one is from a sales agent who worked for the company. The merchant complaints report misleading sales tactics, difficulty cancelling service, unexpected fees, and poor customer service, while the employee complaint accuses a sales manager of paying out far less in commissions than the employee deserved.

Card Payment Direct Lawsuits

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

Considering the company’s size, time in business, and contract terms, this is a low number of complaints. The Card Payment Direct website lists a dedicated phone number for merchant support, although this service may actually be outsourced to iPayment. We do not consider the company a top-rated payment processor for great customer service at this time.

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Response from Card Payment Direct

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Card Payment Direct BBB Rating Summary

Key Points - BBB

Product & Service Complaints 1
Billing & Collection Complaints 2
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Only 1 Complaint

Card Payment Direct is an accredited business with the Better Business Bureau. As of this review, the company has an “A+” rating with the BBB and has received just 1 complaint filed against it in the last 36 months. The single complaint involved a billing and collections issue. The complaint was successfully resolved, while the other two either were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant.

What Merchants Say

Card Payment Direct also has 1 negative review with the BBB, which has been contested by the company. The original complaint is brief and vague:

Buyer beware!!!! Hidden fees.

Card Payment Direct replied to this review with the following post:

This is NOT a customer of our company, but rather a former disgruntled employee who is no longer with us and is now vigorously trying to disparage our online reputation. We will forward this bogus / fake review along with other activity being perpetrated by this former employee to our legal representation in order to stop / cease this kind of malicious behavior. We apologize (on behalf of this former disgruntled employee) that you (the BBB) was brought into this matter. Based on this explanation, please do NOT publish this review as it is 100% bogus and NOT made by one of our great & wonderful customers. Thank you

The original poster then replied to Card Payment Direct:

I am a customer (going to be former customer) not a disgruntled employee if you need I can provide my customer account #

There’s no way at this time to conclusively determine what happened, but merchants are always encouraged to view BBB profiles with a healthy amount of skepticism.

An “A” Performance

In light of the company’s complaint total and resolution ratio, we agree with the BBB’s rating.

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Response from Card Payment Direct

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms No

Outside Sales Team

Card Payment Direct appears to hire independently contracted sales agents to market its services. This is a common hiring practice within the industry that often is responsible for elevated complaint rates among merchants. In this case, we are currently able to locate four negative Card Payment Direct reviews that accuse the company’s sales agents of nondisclosure or misrepresentation. Most of these complaints describe inaccurate rate promotion and nondisclosure of fees by sales agents.

High Employee Turnover

We have also found multiple cases in which the agent who signed a merchant up for service was no longer employed by the company within a short span of time. Although the company is showing a low number of complaints related to its marketing tactics, it is apparent that Card Payment Direct does struggle to monitor the conduct of at least a few of its agents. If you suspect that your agent has added hidden fees to your contract, we recommend seeking a third-party statement audit.

Did you get what you expected from Card Payment Direct? Tell us why, or why not.

Response from Card Payment Direct

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Card Payment Direct Marketing Example

Card Payment Direct Logo

Our Opinion of Card Payment Direct

A Standard Option for Standard-Risk Business Types

Card Payment Direct rates as a slightly better-than-average merchant services provider according to our rating system. Despite what appear to be costly contract terms, the company is showing very few complaints across all consumer protection websites and even has multiple positive testimonials online. Merchants are encouraged to strongly negotiate their contract terms to obtain the best rates and fees they can.

We rely on your feedback about Card Payment Direct to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

Thank you for reading my review. I hope that it has helped you with your research.

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.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

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10 Reviews Leave Your Review for Card Payment Direct Below

  1. Ben says:

    On July 2016 I signed up with ” CARD PAYMENT DIRECT/1ST CARD DIRECT, By October of 2016 I decided to cancel it due to very high fees. By their own instruction I mailed their equipment along with a letter of cancellation with certified mail on 11/1/16. On 11/3/16 I was charged for last payment. On 12/2/16 I was charged again and also on !/2/17 and 2/2/17. On 2/8/17 I called them and after hours of transferring me to different departments I got nothing, since then I have called them a few more times with no result. what should I do now?

  2. This company sounded good and started off good, but took a drastic turn for the worst after about 6 months. When EMV cards started coming into play, I started getting warnings on my statements that I needed to have an EMV compliant credit card machine. What they DIDN’T mention was that they were charging $30 a month until I started using the new machine. I began to look for another credit card processing company and specifically instructed Card Direct to NOT send me the new EMV machine they had pitched to me. They sent it anyways, charged me $225.00 for it and now they will not accept return of the un-used machine for refund. They SUCK. Their wait time on the phone for support averages 20-30 minutes. Does your business have time for that??!! Also was promised a $100.00 gift card that I never received. Find another company! I recommend Hartland.

    1. Maggie says:

      The fine print on the bottom of the card says that the gift card will be sent once you have processed $10,000 in credit card sales. If you are small business, don’t hold your breath! It could be years… Most of my customers pay cash

    2. JBraxton says:

      Wow!! Same thing happened to me i returns both machines and was charged almost 1000.00 with no bathes or usage after i cancelled.,total fraud

  3. S.N. says:

    This company contacted me to change processors based on 2015 regulations, to stay current I said I would give them a try. When I received the equipment it was not what I was told I had to have to be compliant. When I contacted them they told me there was no such equipment and that they only told people that to get them to change processers. Based on that I told them I did not want their service and returned the equipment never having been used or even setup. Still they started billing my account and I can not get the account never used closed. And I am told that if I block there company at my bank they will send the account I never used to collections.

  4. Krista Brown says:

    Not exactly sure how Card Payment Direct is keeping such a good standing with the BBC because since I have been trying to close my account with them, I’ve been having nothing but problems. Our sales rep told me that cancellation was effective on the date they received their equipment and a signed cancellation letter but we were still charged for the following month. That was August and I am still, today, trying to get the refund after being charged for services in a time period when I didn’t even have procession of the equipment. I was told in September that I’d see the refund in “7-10 business days” by our sales rep, who happens to no longer be with the company. I DID get a statement from Card Payment Direct for the month of August that says there should be $60.10 funded to our account, but the credit hasn’t appeared in the account as of yet (October 2nd). The rep I spoke to today, when she would let me speak without interrupting me, and when she was done basically calling me liar because “We don’t send out refund statements like that” and “Scott (our last rep) was not authorized to give you a credit on your account”. She finally agreed to submit a “refund request” whatever that means, so we’ll see what happens. But I have a feeling this is far from over. Just flat out shady and terrible customer service.

    1. JBraxton says:

      Wow!! Same thing happened to me i returns both machines and was charged almost 1000.00 with no bathes or usage after i cancelled.,total fraud

  5. Carrie Miller says:

    I don’t usually post feedback (good or bad) regarding any of the vendors that support my business (as my time is limited with running my business), but in this case with Card Payment Direct I felt compelled to quickly state my overall experience and impressions thus far. We signed up our Auto Repair business almost 2 years ago and have had nothing short of a positive experience with the Comany, the service and the rates / fees we get charged. Everything that was promised by our Sales Rep has been fulfilled and we have currently been saving on average $100 – $150 (depending on our monthly processing) a month compared to what we were paying with a large National Bank used previously. The ONLY thing that I can find or deem as a minor negative with our experience so far is that our Sales Rep is no longer with the Company (we really liked him), but our internal contact at the corp. office that took over our account (after our Sales Rep left) has been wonderful to us and very helpful, she always takes my calls and or at least call me right back when I can’t reach her directly. Overall – VERY satisfied and happy.

    1. Phillip Parker says:

      Hi Carrie,

      In order to verify this testimonial, please add a reply to this comment with your business name and location. Thanks!

    2. yvette says:

      Thanks for the positive feedback. I recently signed up with this payment processor and was worried I had made a bad decision. your feedback helped ease my mind.

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