Century Business Solutions Reviews & Complaints

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How did they treat you? ▼

Pros & Cons
Pros: Cons:
24/7 in-house support Pricing not transparently disclosed
Customizable integrations available Cancellation penalties applicable
B2B and B2C merchant service Monthly and annual fees charged
Advanced reporting options Equipment leasing required
Multiple fraud prevention modules Variable contract terms


In this review of Century Business Solutions, we will provide a detailed overview of the company's credit card processing services. We will cover the range of services they offer, including point-of-sale (POS) systems, mobile payment solutions, and e-commerce capabilities. The review will identify the types of businesses that might benefit from these services. Additionally, we will examine client and customer reviews to highlight common trends and potential concerns. The article will also address the company's pricing structure, contract terms, and specific services provided. By the end of this review, you will understand whether Century Business Solutions meets your payment processing needs.

About Century Business Solutions

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 (now Fiserv) 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 Payment Processing

Century Business Solutions processes all major debit and credit cards for most business types. Their services include the EBizCharge payment platform, EMV card readers and swipers, virtual terminals, text-to-pay, mobile solutions, e-check processing, and QuickBooks integration.

Century Business Solutions Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints 10+
Live Customer Support Yes
Most Common Complaint Sales Tactics
Recent Lawsuits No

Low Complaint Total

Our research uncovered slightly over 10 negative Century Business Solutions reviews. One review labels the company as a ripoff, but this claim appears isolated. The primary focus of complaints is on the company’s marketing strategies, with mentions of unsolicited emails and telemarketing, suggesting aggressive sales tactics akin to slamming. We encourage you to share your personal experiences with Century Business Solutions in the comments below.

Potential for Confusion

Note that there are numerous complaints against a different business located in Santa Fe Springs, also named Century Business Solutions. This coincidence may lead to confusion among those researching the subject of this review. It’s important to clarify that these are separate entities.

Century Business Solutions Lawsuits and Fines

No substantial class-action lawsuits or FTC complaints have been filed against Century Business Solutions. Clients looking for non-litigious ways to address issues with the company are encouraged to report them to relevant supervisory organizations.

Century Business Solutions Customer Support Options

Century Business Solutions offers 24/7 phone and email support to its clients, a level of service not commonly found in the industry. Despite this, the few complaints received prevent the company from being listed among the top-rated payment processors for customer service.

Century Business Solutions Customer Service Number

  • (888) 500-7798 – Toll-Free Customer Support

Other Support Options

Century Business Solutions Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Reports 9

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 received 5 complaints to its BBB profile in the past 36 months. 1 complaint was either resolved to the dissatisfaction of the merchant or received no final response. The other 4 complaints were resolved to the satisfaction of the client.

What Merchants Say

The company has received 4 informal reviews on its BBB profile, 3 positive and 1 negative. It should be noted that these reviews are not subject to authentication by the BBB. The negative review describes unexpected rate increases and poor customer support:

After being a very satisfied customer of ******************** for 6 years with great rates, we suddenly noticed our rates increased without notification, fees increased, and invalid charges for PCI Compliance were being made.When we reached out to CBS to inquire why, they informed us that their processor, PaySafe, increased the rates without telling anyone. Then, CBS researched and found there was a mistake and a large amount of funds were due to be refunded.We worked with them for over a year and still have yet to receive any refund that they have agreed to provide.Now, when calling, we only get voicemails and no response from email. No call backs. Nothing.We are NOT happy as a customer being ghosted by a vendor that owes thousands of dollars as this is not a way to do legitimate business.We would not recommend anyone else use this service, and for those that are current customers, you may want to get out your magnifying glass for your statements.

Clients 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.

Century Business Solutions Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties Yes
Monthly & Annual Fees Yes
Processing Rates 1.00% - 4.99%
Equipment Leasing Yes

Overview of Century Business Solutions Contract Options

The specifics regarding Century Business Solutions’ contract are not readily available to the public. Without direct disclosure of pricing or detailed client feedback on the company’s fee structure, one might infer that Century Business Solutions is inclined towards offering flexible contracts with favorable terms.

The collaboration with First Data/Fiserv likely enhances Century Business Solutions’ ability to tailor contracts according to individual client needs. These could be influenced by factors such as business type, operational tenure, and transactional volume.

Standard agreements by First Data/Fiserv usually entail multi-year commitments inclusive of an early termination fee of $495, a monthly PCI compliance fee of $19.95, and tiered pricing models. Specific rates offered include a swiped rate of 2.69% plus $0.19 and a keyed rate of 3.69% plus $0.19 for businesses processing up to $50,000 monthly. Higher volumes adjust the rates to 2.29% plus $0.19 and 3.29% plus $0.19 respectively. Moreover, some contracts might involve irrevocable, extended equipment leases via First Data Global Leasing.

Virtual Terminal and Payment Gateway Solutions

Century Business Solutions features its EBizCharge Payment Gateway prominently, presenting integration capabilities with WooCommerce and Magento for e-commerce businesses. Despite this visibility, detailed pricing remains undisclosed. It’s anticipated that additional fees, such as gateway and technical support fees, batch fees, and other transaction-related charges, apply to their e-commerce solutions.

Feedback on Contractual Terms

The absence of complaints or grievances related to Century Business Solutions’ fee structure and contractual terms suggests that their offerings are likely in line with market expectations. Nonetheless, without concrete details, it’s challenging to compare their rates directly against the most affordable merchant account services available.

For those with firsthand experience or insights into Century Business Solutions’ contracts, including details on early termination and PCI compliance fees, your contributions in the comments section would greatly enhance understanding of their services.

For broader options, we invite you to explore our curated list of top-tier merchant service providers.

Century Business Solutions Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers Yes
Telemarketing No
Misleading Marketing 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.

This compares favorably to our list of best credit card processors.

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.

Our Century Business Solutions Review Summary

Our Final Thoughts

It sounds like Century Business Solutions has a generally favorable reputation but lacks transparent pricing information, which can be crucial when selecting a credit card processor. When evaluating providers, it’s advisable to gather quotes from multiple companies and assess the total cost, including transaction fees, monthly fees, and any potential hidden charges. Pay attention to user reviews and the quality of customer support to ensure a smooth payment processing experience. Comparing these factors will help you secure a credit card processing partner that best suits your business needs.

Location & Ownership

Century Business Solutions is headquartered at 20 Pacifica Suite 1450 Irvine, CA, and the company is a registered ISO/MSP of Wells Fargo Bank N.A., Walnut Creek, California, and Wells Fargo Bank N.A., Canadian Branch. Helen Chu is the CEO and owner of Century Business Solutions.

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Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did Century Business Solutions Treat You?

3 User Reviews

  • Grant

    We acquired a company that used Century Business Solutions. We wanted them to export the company’s data so we can port it over to a new, lower-cost processor. They refused and their bedside manner was horrible. It appears to me that they want to lock customers in so they cannot switch processors.

  • Kimberly Hobbie

    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.

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  • Phil Lisle

    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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