Should You Choose CardPay? Full Review Inside

Established in 2000, Card/Pay is a merchant account provider serving most standard-risk business types. Card/Pay is “powered by” First Data (now Fiserv), which means that the company either resells First Data (Fiserv) contracts or relies on First Data (Fiserv) for its processing network. Restaurant merchant accounts and lodging merchant accounts are two of Card/Pay’s primary focus areas.

Payment Processing

Card/Pay processes major debit and credit cards for a variety of business types.

Clover POS Solutions

Clover offers a range of point-of-sale (POS) solutions designed to cater to businesses of varying sizes. Their systems integrate hardware and software to process payments, manage transactions, and streamline operations.

EMV Card Readers and Swipers

EMV card readers and swipers are essential for businesses seeking to comply with current payment security standards. These devices allow merchants to accept chip-enabled cards, enhancing transaction security compared to traditional magnetic stripe methods.

MOTO Payments

Mail Order/Telephone Order (MOTO) payments allow businesses to accept credit card transactions without the physical presence of the card. This is useful for industries like hospitality, professional services, and retail, where orders are often placed remotely.

e-Commerce Solutions

E-commerce solutions enable businesses to set up and manage online stores, handling everything from product listings to payment processing.

Recurring Billing

Recurring billing services are designed for businesses that offer subscription-based models or repeat billing, such as gyms, software services, or membership organizations. These systems automatically charge customers at specified intervals, reducing manual processes and ensuring consistent revenue streams for the business.

Customer Database Management

Customer database management systems assist businesses in storing, organizing, and accessing customer information. This helps businesses better understand customer preferences, track purchasing behavior, and offer personalized services.

Gift Card Programs

Gift card programs provide businesses with an additional revenue stream and a way to enhance customer loyalty. Offering both physical and digital gift cards allows companies to cater to a wide range of consumers.

Low Complaint Total

There are currently no available reviews labeling Card/Pay as a scam or ripoff. The scarcity of such reviews could be attributed to the company’s name being hard to search or its association with First Data (Fiserv). It’s plausible that dissatisfied Card/Pay clients might direct their complaints to First Data (Fiserv) rather than Card/Pay itself. If you have a Card/Pay review to share, feel free to post it in the comment section below.

Card/Pay Lawsuits

No class-action lawsuits or FTC complaints have been identified against Card/Pay. Merchants seeking non-litigious ways to resolve disputes with the company can report their issues to appropriate supervisory organizations.

PaymentPop Rating for Card/Pay

Negative Feedback

There are no negative reviews published about Card/Pay on the PaymentPop website.

Positive Feedback

Card/Pay has made it easy to keep things running smoothly. The dashboard is clean, payouts are quick, and their support team actually answers when you need them. It’s made the payment side of things feel way less stressful.

Card/Pay BBB Rating

Card/Pay is not an accredited business of the Better Business Bureau and currently maintains an “A+” rating at the time of this review. The company first received a BBB file in 2004 and has registered 0 merchant complaints in the past 36 months. Card/Pay has also not received any informal reviews, although it should be noted that these reviews are not subject to verification by the BBB.

An “A” Performance

Given the company’s clean complaint record, we agree with the BBB’s rating in this case. However, merchants should note that there are reasons to be skeptical of the BBB’s ratings.

No Public Documentation

There is very little specific information available online about the standard Card/Pay contract. Given that the company is powered by First Data (Fiserv), it’s probable that the standard Card/Pay contract closely resembles the standard First Data (Fiserv) contract.

First Data (Fiserv) offers a wide array of services, typically with multi-year terms and a variable termination fee. For instance, merchants processing up to $50,000 monthly through First Data (Fiserv) receive a swiped rate of 2.69% plus $0.19 and a keyed-in rate of 3.69% plus $0.19. Meanwhile, those with charges exceeding $50,000 monthly receive a swiped rate of 2.29% plus $0.19 and a keyed-in rate of 3.29% plus $0.19. Common terms in contracts with First Data (Fiserv) include a $495 early termination fee, a $19.95 monthly PCI compliance fee, and a 48-month equipment lease that cannot be canceled.

Despite its market share, First Data (Fiserv) does not typically offer rates lower than the industry average. However, Card/Pay’s status as a reseller of their services suggests that a negotiated rate lower than First Data (Fiserv)’s standard rates could be possible.

No Pricing Complaints

Card/Pay contract terms may vary depending on the agent setting up the account and the merchant’s business specifics. Consequently, merchants could potentially obtain competitive pricing comparable to the cheapest merchant accounts. The absence of complaints regarding Card/Pay contracts suggests that most of the company’s merchants are satisfied with the rates and fees they incur. If you possess any insights about the standard Card/Pay contract, please share them in the comment section below this review.

No Sales Complaints

Card/Pay appears to partner with sub-ISOs and independent sales agents to market its services. This practice is common within the credit card processing industry and tends to produce a network of loosely regulated, untrained sales entities under the same company. Card/Pay does not appear to suffer from utilizing this hiring strategy, as we are unable to locate any negative Card/Pay reviews that mention difficulties with the sales team.

No Sneaky Quotes

In addition, the company does not appear to engage in any deceptive advertising tactics in its official materials. If you suspect that Card/Pay is charging you hidden fees, we recommend seeking a third-party statement audit to eliminate undisclosed charges.

Card/Pay currently rates as a reliable merchant services provider based on our criteria. The company has maintained a spotless record across consumer protection websites, reinforcing its positive reputation. However, its affiliation with First Data (Fiserv) means that merchants should carefully read their contracts, ensuring that terms and conditions align with their expectations.

Card/Pay’s rating may shift as additional information becomes available regarding its service terms and sales practices. In the meantime, merchants should compare Card/Pay with the top overall credit card processors to ensure they’re receiving the most favorable pricing and features for their specific needs. Conducting this comparison will help businesses make informed decisions and secure a processing partner that best aligns with their operational goals.