Card/Pay Reviews & Complaints
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 Customer Reviews
Here's What Their Clients Say
Total Online Complaints | <10 |
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Live Customer Support | Yes |
Most Common Complaint | N/A |
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.
Card/Pay Customer Service Options
Card/Pay seems to delegate its customer service responsibilities to First Data (Fiserv) and Chase Merchant Services (previously Chase Paymentech), hinting at a partnership with Chase Merchant Services. Available customer service contacts for Card/Pay include:
(877) 883-0131 – Toll-Free General Customer Service
(503) 384-0131 – Office
(503) 595-2218 – Fax
However, it appears that Card/Pay lacks in-house customer support capabilities, which does not align with the standards set by top-rated payment processors for exemplary customer service.
Card/Pay Online Ratings
Here's How They Rate Online
Total Complaints | 0 |
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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
Swiped Rate | 2.69% + $0.19 |
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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 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.
Card/Pay Employee Reviews & Sales Tacitcs
Should You Work For Them?
Employs Independent Resellers | Yes |
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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.
If you found this article helpful, please share it!
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!