Card/Pay Review: Fees, Comparisons, Complaints & Lawsuits

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Card/Pay Rating
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image of a phone image of a phone that changes when your mouse hovers over it (503) 384-0131 View Pricing

A First Data (Fiserv) Reseller

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.

Card/Pay Payment Processing

Card/Pay processes all major debit and credit cards for most business types. Their services include POS solutions from Clover, EMV readers and card swipers, MOTO payments, e-commerce solutions, recurring billing, customer database management, and gift card programs.

Card/Pay Location & Ownership

The company’s corporate address is located at 7110 SW Hazelfern Rd Ste 260, Tigard, Oregon. Card/Pay LLC is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, California. Craig Lum is listed as the CEO and co-founder of Card/Pay.

Card/Pay Review Table of Contents

  • Costs & Contract: Card/Pay appears to offer contract terms that vary according to each merchant’s business type and processing history.
  • Complaints & Service: Card/Pay complaints number fewer than 10 on public complaints forums.
  • BBB Rating: Card/Pay has an “A+” rating with the Better Business Bureau and has received 0 complaints in the past 3 years.
  • Sales & Marketing: Card/Pay appears to hire independent sales representatives but has not received any complaints about its sales practices.
Card/Pay payment processing

Card/Pay offers standard payment processing services through First Data (Fiserv)

Card/Pay Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Item Result
Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

Low Complaint Total

We are currently unable to locate any Card/Pay reviews that describe the company as a ripoff or a scam. This may be due in part to its difficult-to-search name, or it may be a product of Card/Pay’s relationship with First Data (Fiserv). It is possible, for instance, that Card/Pay clients who are seeking to file complaints will do so with First Data (Fiserv) online profiles rather than Card/Pay’s. If you have your own Card/Pay review to make, please do so in the comment section below.

Card/Pay Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Card/Pay. 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/Pay Customer Service Options

Card/Pay appears to outsource its customer service to First Data (Fiserv) and Chase Merchant Services (formerly known as Chase Paymentech), which indicates that Chase Merchant Services may be another processor that Card/Pay is partnered with.

We have located multiple Card/Pay customer service numbers:

(877) 883-0131 – Toll-Free General Customer Service
(503) 384-0131 – Office
(503) 595-2218 – Fax

Either way, Card/Pay does not appear to offer in-house customer support. This falls short of our expectations for top-rated payment processors for customer service.

Card/Pay Online Ratings

Here's How They Rate Online

Online Ratings Summary
Item Result
Total Complaints 0
Resolved Complaints 0

Clean Complaint Record

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.

Card/Pay Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Item Result
Swiped Rate 2.69% + $0.19
Keyed-in Rate 3.69% + $0.19
Early Termination Fee $495
PCI Compliance Fee $19.95 Per Month
Equipment Lease Terms 48 Month (locked)

No Public Documentation

There is very little specific information to be found online about the standard Card/Pay contract. The company is powered by First Data (Fiserv), so it is likely that the standard Card/Pay contract closely resembles the standard First Data (Fiserv) contract.

First Data (Fiserv) offers a wide array of services, but its agreements are typically for multi-year terms and usually include a variable termination fee. For reference, Merchants who process up to $50,000 each month through First Data (Fiserv) will receive a swiped rate of 2.69% plus $0.19 and a keyed-in rate of 3.69% plus $0.19. Merchants whose monthly charges exceed $50,000 will receive a swiped rate of 2.29% plus $0.19 and a keyed-in rate of 3.29% plus $0.19. Additional terms typical among contracts with First Data (Fiserv) include an early termination fee of $495, a monthly PCI compliance fee of $19.95, and a 48-month lease term for equipment that cannot be canceled.

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

No Pricing Complaints

Card/Pay contract terms may be subject to variation depending on the agent setting up the account and the merchant’s business type, size, and time in business. It’s therefore possible that merchants could obtain pricing that is competitive with the cheapest merchant accounts. The total absence of Card/Pay contract complaints indicates that most of the company’s merchants are satisfied with the rates and fees they pay. If you have any knowledge about the standard Card/Pay contract, please leave that information in the comment section of this review.

Card/Pay Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Item Result
Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms No

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.

Our Card/Pay Review Summary

Our Final Thoughts

A Solid Option for Most Businesses

Card/Pay rates as a reliable merchant services provider according to our criteria. The company is showing 0 complaints across all consumer protection websites, but its affiliation with First Data (Fiserv) means that merchants should read their contracts carefully. Card/Pay’s score is likely to change as more information becomes available regarding its service terms and sales strategies. For now, merchants should compare the company to the top overall credit card processors.

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Your Comments & Reviews

How Did Card/Pay Treat You?

2 Responses

  • Adam Rita

    Card/Pay has been a game-changer for my business! It’s been a smooth sail since I integrated their payment system. Handling transactions is a breeze now, and my customers have noticed the difference too. With their user-friendly interface and secure payment processing, I can rest easy knowing that my customers’ data is safe.

    The real-time analytics feature is a total lifesaver. It gives me valuable insights into my sales and customer behavior, allowing me to make informed decisions and grow my business effectively. And whenever I had a question or needed assistance, their customer support team was quick to respond and incredibly helpful.

    Card/Pay has truly simplified my payment processes, boosted customer satisfaction, and ultimately helped me take my business to the next level. I couldn’t be happier with their service. Highly recommended!

  • Carson Lillian

    I’ve been using Card/Pay for my business transactions, and I must say, it’s been an absolute game-changer! The convenience and efficiency it brings to my daily operations are unparalleled. From seamless payment processing to easy-to-use invoicing tools, Card/Pay has made managing my finances a breeze.

    What really sets Card/Pay apart is their top-notch customer support. Anytime I had a question or needed assistance, their team was quick to respond and provided clear and helpful guidance. It’s reassuring to know that they have my back.

    I highly recommend Card/Pay to all fellow business owners out there. It’s not just a payment platform; it’s a true partner in success. With Card/Pay on my side, I feel more confident and in control of my financial matters. Trust me, you won’t be disappointed!

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