Century Business Solutions Review


Century Business Solutions (centurybizsolutions.net) is an Irvine, California-based merchant account provider that specializes in developing custom payment software for merchants. The company was founded in 2005 and is a reseller of First Data’s merchant services. There is another company called Century Business Solutions (centurybusinesssolutions.com) that may be confused with the company that is the subject of this review. This other Century Business Solutions is an office supply retailer based in Santa Fe Springs, California, and it does not appear to be related to the Irvine-based Century Business Solutions.

Century Business Solutions is headquartered at 20 Pacifica Suite 1450 Irvine, California 92618, and the company is a registered ISO/MSP of Wells Fargo Bank N.A., Walnut Creek, California. Thomas Cadden is the CEO of Century Business Solutions.

Key Points

  • Sales & Marketing: Century Business Solutions does not appear to hire independent sales agents and has not received any complaints about its sales practices.
  • Costs & Contract: Century Business Solutions appears to offer variable contract terms that depend on each merchant’s business type and processing history.
  • Complaints & Service: Century Business Solutions has received fewer than 10 public complaints.
  • BBB Rating: Century Business Solutions has an “A+” rating with the Better Business Bureau and has received one complaint in the past three years.
  • Rates & Fees: How Merchants Got The Best Rates With Century Business Solutions

Century Business Solutions Products and Services


  • Retail
  • Mobile
  • E-commerce
  • MOTO
  • B2B
  • Non-profit

Sales & Marketing

Key Points - Sales & Marketing

Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms No

Century Business Solutions appears to primarily market itself through an inside sales team, strategic partnerships, and traditional advertising. The company does not seem to employ a large number of independently contracted sales agents, and there are no Century Business Solutions complaints that accuse the company’s sales team of deceptive sales practices. As an additional point in its favor, Century Business Solutions does not list any misleading rate quotes or unrealistic guarantees on its website. We have therefore assigned the company an “A” rating in this category.

Century Business Solutions Marketing Example


Costs & Contract

Key Points - Costs & Contract

Swiped Rate Variable
Keyed-in Rate Variable
Early Termination Fee Variable
PCI Compliance Fee Variable
Equipment Lease Terms Variable

There is very little specific information available at this time regarding the standard Century Business Solutions contract. The company does not list its pricing on its website, and there are no merchant complaints that describe the company’s fees in detail. In general, this is a positive sign that Century tends to offer low-commitment contracts with reasonable fees. It is likely that the company’s reseller partnership with First Data affords it a great degree of flexibility to customize pricing for each merchant, so the company’s terms may vary depending on each applicant’s business type, time in business, and processing history. Given the total lack of complaints related to its pricing and fees, we will assume for the time being that Century Business Solutions generally provides competitive rates and terms. If you have any specific knowledge of the standard Century Business Solutions contract (including any early termination fees or PCI compliance fees), please share that information in the comment section below this review.


Complaints & Service

Key Points - Complaints & Service

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

We have found a total of two negative Century Business Solutions reviews, one of which accuses the company of being a ripoff. Both complaints are related to difficulty closing accounts and unauthorized charges made after account cancellation. One complaint did not receive a public response from the company, while the other (filed with the Better Business Bureau) was resolved through refunds of the improperly charged amounts. These appear to be isolated incidents and do not seem to reflect a larger issue at the company.

It should also be noted that there are a large number of complaints filed against an unrelated, Santa Fe Springs-based company called Century Business Solutions. This could cause some confusion among merchants researching the Century Business Solutions that is the subject of this review. Merchants should understand that the two companies do not appear to be related. Century Business Solution provides 24/7 support to all of its merchants.



Key Points - BBB

Product & Service Complaints 0
Billing & Collection Complaints 1
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Century Business Solutions currently has an “A+” rating with the Better Business Bureau and has been accredited since May 2014. The company has received one complaint to its BBB profile in the past 36 months, and this complaint was related to a billing or collection dispute. Century Business Solutions offered a limited refund of the disputed payments to resolve the issue. The merchant has yet to state whether this proposed resolution is satisfactory. Given the company’s lone complaint and effort toward resolution, we agree with the BBB’s rating at this time.

Century Business Solutions Logo

Century Business Solutions Bottom Line

Century Business Solutions rates as a reliable merchant services provider according to all available information. The company has received very few complaints, but we are unable to determine the specifics of its pricing at this time. For this reason, merchants are encouraged to request and study all relevant documentation.

Hi, I’m Phillip Parker and I believe that the merchant account industry has been overrun by people who engage in fraud and deception in order to steal from hard working business owners. I created this website to help you avoid the bad players, save money on fees, and get peace of mind with your merchant account. If you would like to help support my work, check out my cost analysis service. I can evaluate your statement and tell you exactly how much you're overpaying for your merchant account. Get more information here.

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1 Review Leave Your Review Below

  1. If this is the same merchant service account company (or parent company) as First Data which has a boat load of negative reviews (no surprise), then beware. We’ve been in business for 32 years and it appears we will not be approved. Crazy! I’ve even offered personal guarantee. We were told 1-2 days and it’s now been 11 days and they won’t even return our calls. LabLogic made no mention of this being a potential problem. Otherwise we would have done that step first. I hate to think what our next step may have to be.

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