Note: It appears Cardience is no longer in business.
Unclear Affiliation with Outsourced Sales Service Credico
Cardience is a merchant account provider that offers payment processing services for multiple business types. The company’s website highlights restaurants, bars, retailers, lodging & tourism, and taxi & limousine businesses as the focus of their merchant services. Its website also advertises its payment gateway services. There is some evidence that the company is associated with an outsourced sales service called Credico, but the exact nature of this relationship is currently unknown.
Cardience Headquarters and Ownership
Based in Chicago, Illinois, the company is a registered ISO/MSP of Merrick Bank, South Jordan, Utah, with headquarters located at 525 W Monroe St Ste 900 Chicago, IL 60661-3793. This is the same address as Credico. Antoine Nohra is listed as the founder and CEO of Credico.
Cardience Review Table of Contents
- Costs & Contract: Cardience appears to offer multi-year contracts with early termination fees ranging from $295 to $500.
- Complaints & Service: Cardience has received fewer than 10 public complaints.
- BBB Rating: Cardience (as Credico (USA), LLC) has an “A-” rating with the Better Business Bureau and has received 3 complaints and 1 review in the past 3 years.
- Sales & Marketing: Cardience appears to hire independent sales representatives and has received a low number of complaints about its sales practices.
- Rates & Fees: How Merchants Got The Best Rates With Cardience
Cardience Customer Reviews
Here's What Their Clients Say
|Total Online Complaints||<10|
|Live Customer Support||Yes|
|Most Common Complaint||N/A|
Low Complaint Total
There are only a few Cardience negative reviews outside of this review and the BBB, which would normally indicate that the company is not a scam or ripoff. However, the complaints filed with the BBB have historically described aggressive, deceptive sales practices by the company’s agents and expensive contract terms. These complaints are echoed in the comment section below this review and elsewhere. Many complainants also mention difficulty reaching a company rep to cancel service and unhelpful customer support when they did get through.
We have not found any outstanding class-action lawsuits or FTC complaints filed against Cardience. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
Cardience Support Options
In this case, the company’s score has been lowered by the content and consistency of the complaints rather than the volume of complaints. Cardience only offers a dedicated phone support line to its customers on its website. This support channel is not sufficient to qualify it as a top-rated credit card processor for customer service at this time.
Cardience Online Ratings
Here's How They Rate Online
Online Ratings Summary
|Product & Service Complaints||1|
|Billing & Collection Complaints||0|
|Advertising & Sales Complaints||2|
|Guarantee & Warranty Complaints||0|
Under 5 Complaints
Cardience is listed on the Better Business Bureau as Credico (USA), LLC and currently has an “A-” rating based on 3 complaints filed in the past 36 months along with 1 closed in the last 12 months. 1 complaint is related to a product or service issue and 2 pertain to an advertising and sales issue. 1 of these 3 complaints was resolved by the company to the satisfaction of the merchant. The remaining 2 were resolved to the dissatisfaction of the merchant or received no final response. The company also received 1 informal review, but this appears to pertain to a different business entirely.
An “A” Performance
Given the company’s low complaint total and in spite of 2 unanswered complaints, we agree with the BBB’s rating. Merchants should note, however, that there are valid reasons to be skeptical of the BBB’s rating system.
Cardience Fees, Rates & Costs
A Closer Look at The Contract
|Swiped Rate||1.00% - 4.99%|
|Keyed-in Rate||1.00% - 4.99%|
|Virtual Terminal Rate||1.00% - 4.99%|
|Payment Gateway Fee||Undisclosed|
|Statement Fee||$8 Per Month|
|Monthly Minimum Fee||$30+|
|Early Termination Fee||$295-$500|
|PCI Compliance Fee||Undisclosed|
|Equipment Lease Terms||Undisclosed|
Cardience Contract Terms
According to merchant complaints, the standard Cardience contract appears to be a multi-year agreement with an early termination fee between $295 and $500. It is unclear whether these figures may partially be derived from cancellation penalties associated with equipment leases, but they are nonetheless higher than industry averages. Merchants are more likely to see savings with a low-cost payment processor.
A dedicated section of the Cardience website also details its hardware options. The company advertises that it provides countertop, wireless, mobile and virtual terminals. It appears that its terminal offering is their own proprietary hardware and software, though each section doesn’t detail the brand or model of the terminals. In addition, the company provides gateway services for its merchants. However, like the equipment leasing structure of their agreements, no gateway fees are disclosed.
Virtual Terminal and Payment Gateway Pricing
In addition to its storefront payment processing services, Cardience 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.
Complainants also mention an $8 monthly statement fee and monthly minimum fees that total over $30. We have not found any specific mention of Cardience PCI Compliance fees, but the company may still charge them. If you have had any experience with the standard Cardience contract, please share that information in the comment section of this review.
Cardience Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Employs Independent Resellers||Yes|
|Advertises Deceptive Rates||No|
|Discloses All Important Terms||No|
Outside Sales Staff
Cardience appears to utilize independent sales representatives to market its services, which is a common practice within the merchant services industry. The use of independent reps is often linked to high complaint totals among merchants, as these representatives typically receive less training and supervision than W2-employed, in-house sales reps. In this case, we’ve managed to find four negative Cardience reviews that describe a pattern of nondisclosure and misrepresentation by the company’s sales team, specifically regarding unsolicited, in-person sales calls.
No Deceptive Quotes
Although Cardience does not appear to use deceptive advertising in its public-facing materials, the company’s score in this section is in danger of falling if further complaints arise regarding its sales team. If you suspect that Cardience is charging you undisclosed fees, we recommend seeking a third-party statement audit to eliminate hidden costs.
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