Century Business Solutions Review

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.

Payment Processing

Century Business Solutions offers a range of products and services designed to streamline payment processing for businesses, focusing on integration and flexibility across different payment methods.

eBizCharge Payment Platform

eBizCharge is the flagship payment platform provided by Century Business Solutions. It is designed to integrate with a variety of accounting, ERP, and CRM systems, offering businesses an all-in-one solution for managing transactions.

EMV Card Readers and Swipers

Century Business Solutions provides EMV card readers and traditional swipers for businesses that handle in-person transactions. These devices offer a secure method for processing chip card payments.

Virtual Terminals

The company also offers virtual terminals, allowing businesses to accept payments from any internet-connected device. This feature is for companies that operate remotely or those that require a versatile payment solution without the need for physical hardware.

Text-to-Pay

Text-to-Pay is a feature that enables businesses to request payments via text message. This solution adds convenience for customers, who can complete transactions on their mobile devices.

Mobile Payment Solutions

For businesses on the move, Century Business Solutions offers mobile payment solutions that allow users to process transactions via smartphones or tablets. This service is for businesses that operate outside of a traditional storefront, such as mobile vendors or service providers.

e-Check Processing

Century Business Solutions includes e-check processing as part of its suite of services. This allows businesses to accept electronic checks, offering an alternative payment method to customers who prefer not to use credit cards.

Quickbooks Integration

A key feature of Century Business Solutions is its integration with QuickBooks. This allows businesses to sync their transactions directly with their accounting software, streamlining bookkeeping processes and reducing the risk of errors from manual data entry.

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.

PaymentPop Rating for Century Business Solutions

Positive Feedback

There are no positive reviews published about Century Business Solutions on the PaymentPop website.

Century Business Solutions BBB Rating

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.

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:

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.

Google Maps Rating for Century Business Solutions

Century Business Solutions has a 4.6 out of 5 star rating based on 172 user reviews on Google Maps.

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.

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.

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.