Century Business Solutions Review

Century Business Solutions Overview

Century Business Solutions May Have Overcharged You

If you accepted credit cards through Century Business Solutions or any other credit card processing company between 2017 and 2019, recent changes to the law may entitle you to refunds of certain debit card and credit card processing errors and overcharges. See this post to find out if your were among the businesses affected and to learn how you can get your money back.

A California-Based First Data Reseller

Century Business Solutions 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 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 Location and Ownership

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.

Century Business Solutions Review Table of Contents

  • 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 0 complaints and 10 reviews in the past 3 years.
  • Sales & Marketing: Century Business Solutions does not appear to hire independent sales agents and has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Century Business Solutions
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Products & Services Offered

Types of Businesses Served

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

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Century Business Solutions Rates, Fees, and Costs

Key Points

Swiped Rate 2.69% + $0.19
Keyed-in Rate 3.69% + $0.19
Virtual Terminal Rate 1.00% - 4.99%
Payment Gateway Fee Undisclosed
Early Termination Fee Up To $495
PCI Compliance Fee $19.95 Per Month
Equipment Lease Terms 48 Month (locked)

Variable Contract Terms

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.

First Data offers a wide variety of contract terms and pricing plans, but its standard agreement is typically a multiyear contract with an early termination fee of $495, a monthly PCI compliance fee of $19.95, and tiered pricing. Merchants who process up to $50,000 each month 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. Another facet of these contracts are non-cancellable, long term equipment leases through First Data Global Leasing.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Century Business Solutions also dedicates a portion of its website that advertises its virtual terminal and payment gateway, the EBizCharge Payment Gateway. The company advertises Woo Commerce and Magento as its payment gateway providers. However, pricing on either of those services is not disclosed. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.

No Contract Complaints

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. However, we do not expect its standard pricing to compete with that offered by the cheapest merchant accounts. 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.

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Response from Century Business Solutions

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Century Business Solutions Complaints & Customer Reviews

Key Points

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

Low Complaint Total

We have found only a few negative Century Business Solutions reviews, one of which accuses the company of being a ripoff. Complainants primarily mention poor communication, difficulty closing accounts, and unauthorized charges made after account cancellation. 1 complaint did not receive a public response from the company, while another (filed with the Better Business Bureau) was resolved through refunds of the improperly charged amounts. All complaints appear to be isolated incidents and do not seem to reflect a larger issue at the company.

Potential for Confusion

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 Solutions Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Century Business Solutions. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Century Business Solutions Customer Support Options

Century Business Solution provides 24/7 phone and email support to all of its merchants. Although this is a level of availability that many providers do not offer, the scattered complaints filed against the company prevent it from ranking among our top-rated payment processors for great customer service.

Do you have a complaint or testimonial about Century Business Solutions? Make your voice heard before you go!

Response from Century Business Solutions

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Century Business Solutions BBB Rating Summary

Key Points - BBB

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

Clean Complaint Record

Century Business Solutions currently has an “A+” rating with the Better Business Bureau and has been accredited since May 2014. The company has had 0 any complaints to its BBB profile in the past 36 months.

What Merchants Say

The company has received 10 informal reviews on its BBB profile. 8 reviews are positive and 2 are negative. It should be noted that these reviews are not subject to authentication by the BBB. The most recent review describes false promises of software integration:

Century states on their website that they offer software integration solutions with their credit card processing. We approached them for that reason. The sales person was more interested in signing us as a customer with the promise that we would not be charged monthly and annual fees until the integration was completed. After several months of no software progress after numerous conference calls, the monthly and annual fees debits starting occurring. We have asked multiple sales reps, a VP Scott McEwing, and a Client Ambassador Kristina Engen to stop charging and for a complete refund. Despite numerous verbal promises and apologizing emails, nothing has happened. One excuse or the other. We now have no other option to file with our bank a fraudulent transactions claim to recover our funds. The worst part is not the effort to recover the money, but the 10-15 hours wasted by our technical staff working on a now meaningless project.

Merchants who are interested in integrating their payment processing service with in-house software should consider working with a top-rated processor for developers.

An “A” Performance

Given the company’s lone complaint and effort toward resolution, we agree with the BBB’s rating at this time.

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Response from Century Business Solutions

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Truth In Marketing & Advertising

Key Points

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

Inside/Outside Sales Team

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.

No Deceptive Quotes

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. However, if you suspect that you are overpaying for your Century Business Solutions account, you can double-check your pricing with a third-party statement audit.

Did you get what you expected from Century Business Solutions? Tell us why, or why not.

Response from Century Business Solutions

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Century Business Solutions Marketing Example

Century Business Solutions Logo

Our Opinion of Century Business Solutions

A Solid Option, But Some Questions Persist

Century Business Solutions rates as a reliable merchant services provider according to all available information. The company has received a handful complaints and we are unable to determine the specifics of its pricing at this time. For this reason, merchants are encouraged to compare the company’s pricing to that offered by top-rated credit card processors in order to obtain the best possible deal.

We rely on your feedback about Century Business Solutions to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

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2 Reviews Leave Your Review for Century Business Solutions Below

  1. Have been a client for over three years. Using their software inside of our accounting software, Sage100. We have walk in customers that pay with their credit card. Their hardware and software is not compatible with the use of a chip reader. Chargebacks are inevitable – so beware going with this company. No support after the sale, especially if you are an unhappy customer.

    From The Editor
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  2. Phil Lisle says:

    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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