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Card Payment Direct Review
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Note: As of September 2021, the Card Payment Direct website has been down for some time, and it appears they have opened a new business under the name Automotive Payment Club. We will be writing a review for this new business soon and will no longer be updating this review.
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 15821 N 79th St Ste 1 Scottsdale, AZ 85260. David Moser is listed as the founder and CEO of Card Payment Direct. As of 2020, the main website no longer seems to work and may indicate Card Payment Direct is no longer in business. If any readers have any up-to-date knowledge on the status of the company please leave a comment below.
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 0 complaints and 0 reviews 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
Card Payment Direct Customer Reviews
Here's What Their Clients Say
|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 canceling 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.
Card Payment Direct Online Ratings
Here's How They Rate Online
|Product & Service Complaints||0|
|Billing & Collection Complaints||0|
|Advertising & Sales Complaints||0|
|Guarantee & Warranty Complaints||0|
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 no complaints filed against it in the last 36 months.
What Merchants Say
Card Payment Direct has received 0 reviews in the last 36 months. Before that period Card Payment Direct had 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.
Card Payment Direct Fees, Rates & Costs
A Closer Look at The Contract
|Swiped Rate||1.00% - 4.99%|
|Keyed-in Rate||1.00% - 4.99%|
|Virtual Rate||1.00% - 4.99%|
|Payment Gateway Fee||Undisclosed|
|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|
|Early Termination Fee||$250-$350|
|PCI Non-Compliance Fee||$30 Per Month|
|PCI Compliance Fee||Variable|
|Business Verification Fee||$25|
|Equipment Lease Terms||48 Month (locked)|
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 to advertising its virtual terminal and payment gateway services. However, pricing is not disclosed on either of those services. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.
All told, a document we received 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.
Card Payment Direct Employee Reviews & Sales Tacitcs
Should You Work For Them?
|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.
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