Certified Payment Processing Review

6 Replies

Credit Card Processors
Certified Payment Processing Logo
Category Breakdown
Sales & Marketing rated D
Costs & Contract rated D
Complaints & Service rated D
BBB Rating rated F

Overall Rating


Certified Payment Processing Logo

Certified Payment Processing Logo

Certified Payment Processing (cpp-360.com) is a merchant account provider launched in 1991. Certified Payment Processing and its partner companies, TransTech Merchant Group and Summit Merchant Solutions, are owned by First American Payment Systems. Certified Payment Processing also provides a variety of point-of-sale and payment processing devices through a partnership with Lease Finance Group, a DBA of Northern Leasing Systems. Certified Payment Processing is a registered ISO/MSP of Fifth Third Bank in Cincinnati, Ohio, and Wells Fargo Bank, N.A., Walnut Creek, California. The company is located at 3350 Boyington Dr, Carrollton, Texas 75006. Tony Norrie is listed as the president of Certified Payment Processing.

CPP Products and Services

  • Debit and credit card processing
  • Online payment gateway
  • Gift and loyalty programs
  • Recurring billing
  • POS equipment
  • ATM placement

Industries served:

  • Retail
  • Mobile
  • MOTO
  • E-commerce

Related: Find The Best Processor For Your Business Type

Sales & Marketing | D

Key Points – Sales & Marketing
Uses independent resellers? Yes
Promotes deceptive rate quotes? No
Discloses all important terms? No

Certified Payment Processing utilizes telemarketing and independent sales agents to market its services. This practice appears to be a major source of merchant frustration, as we are currently able to locate numerous negative Certified Payment Processing reviews that describe nondisclosure and misrepresentation by the company’s telephone and in-person sales agents. Additionally, there are multiple complaints filed publicly by the company’s agents in which the complainants describe incomplete training, poor or expired leads, a high-pressure work environment, and inadequate compensation for their time. These types of complaints are especially alarming, as a sales agent’s expertise and job satisfaction factor heavily into the kind of service a merchant will receive. As a slightly positive sign, the company does not appear to engage in deceptive advertising in its official materials.

Certified Payment Processing Marketing Example

Related: Find The Best Providers By Processor Type

Costs & Contract | D

Key Points – Costs & Contract Terms
Swiped rate: Variable
Keyed-in rate: Variable
Termination fee: $495-$595
PCI compliance fee: $124.75
Equipment lease: Non-cancellable

The standard Certified Payment Processing contract appears to be a modified version of the standard First American Payment Systems contract, which is a three-year agreement with automatic renewal, an early termination fee of $495-$595, an annual fee of $95, and various other fees that may include a monthly minimum of $25, a PCI Compliance fee of $124.75, and variable other fees. Overall, the consensus among complainants is that the rates offered adhere to a tiered pricing model, and these rates are often misrepresented at the point of signing. The service length and early termination fee also appear to be a source of confusion among merchants. Overall, the company’s contract terms are less competitive than industry averages, and most complaints about Certified Payment Processing’s contract express a sentiment among merchants that they are overpaying for services.

Related: Best Processors For Quickbooks Integration

Complaints & Service | D

Key Points – Complaints & Service
Total complaints: 50+
Live customer support: Yes
Most common complaint: Hidden fees

We are currently able to locate over 50 Certified Payment Processing complaints, most of which accuse the company and its related businesses (Summit Merchant Solutions and TransTech Merchant Group) of being a ripoff or a scam. A large number of these complaints are from current and former sales employees of the company who allege a lack of training or support, bad leads, and a high-pressure, aggressive work environment. Among merchants, complaints tend to cite expensive contract terms, misrepresentation via phone or in person of rates and fees, an inability to resolve the issue through the company’s customer service, and rude or unprofessional communication on the company’s end. Numerous complainants also describe expensive equipment leases through Lease Finance Group. The Certified Payment Processing website does not appear to list dedicated support contact information.

Related: Best iPad & Tablet Point of Sale Services

BBB Report | F

Key Points – BBB Report
Product/service: 219
Billing/collection: 19
Advertising/sales: 54
Guarantee/warranty: 1
Other: 0

Certified Payment Processing is not an accredited business with the Better Business Bureau. As of this review, the company holds an “F” rating with the BBB and has had 293 complaints filed against it in the last 36 months (down from 330 at the time of our last review). Of those complaints, one stemmed from issues with guarantees or warranties, 19 involved billing or collections issues, and 54 were filed in regards to problems with advertising or sales tactics. The majority of the complaints, however, stemmed from problems with the company’s products and services, with 219 such complaints filed. Out of all 293 complaints, only 184 have been successfully resolved. Fifty-nine were not resolved to the customer’s satisfaction and 50 remain unresolved entirely. Taking this high complaint rate and low resolution rate into account, we agree with the BBB’s rating.

Related: Best Processors For E-Commerce

Bottom Line

Certified Payment Processing Review

Rated 1 out of 5 Stars
Reviewed by Phillip Parker
Reviewed on 2015-03-27

Like other companies in the First American Payment Systems network of businesses, Certified Payment Processing rates as a substandard credit card processor according to our rating system. The company’s high volume of complaints, many of which have been filed by current and former employees, coupled with its pedestrian contract terms and poor complaint resolution rate, have all lowered its overall rating in this review. Business owners are advised to carefully examine all contract terms before signing an agreement with this merchant services provider.

This review was originally published on 2/14/13 and was last updated on 3/27/15.

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  1. Kelly

    CPP calls our shop quite regularly asking for our business. It is a complete nuisance and very time-consuming! I have asked that they remove us from their calling list and have started noting dates and times of the calls. I will report them to the FCC next.

  2. Nikki Nguyen

    This company is a joke. Their sales Reps are rude by calling my business several times a day just asked for the owner and then hang up the phone or cussed out with my associates. Unprofessional and improper traning

  3. Melodie McBride

    I feel this is a particularly a brutally biased report considering that more than half of the issues were resolved. As far as those issues that weren’t resolved to customer satisfaction, I can personally attest that many companies with more acclaim have not resolved issues to my satisfaction like FedEx not delivering my package upon my specific request when I have not been physically able to be at home to sign for my package. I consider this pretty detestable and unresolved, and disrespectful to the customer when I have a porch and quiet neighbors and know it would be waiting for me when I got home…..oh and I’m sure the cancellation fee for a cell phone company is much larger than Certified Payment Processing, not to mention that every time I talk to people, they always tell me that telephone never makes it to the 2 year agreement and they always are stuck using a refurbished unit til they end their contract…so they don’t have to pay to cancel with a very large fee. Don’t forget Summit has an equipment maintenance program,replacing any unit that does not work during the entire agreement with free printer paper ribbons and manual imprint slips and customize your receipts. Of the clients that I have found using the service honestly, they all said they were saving money. It seems that the biggest cancellation and complaints are coming from folks that are reading negative reviews, panicking, and not openly negotiating with the company and allowing them to make billing corrections or resolve normal issues. Good grief, my local phone company has much worse prorated charges that can kill any budget, and still they don’t even have an F rating. This report is so shameful that it has not even compared other companies complaint ratios. It has chosen only one company to pick on completely out of context. I work for Summit and feel that only non sales people could have so many antagonistic experiences. I have managed to find over 100 new clients who liked what we offer in comparison to their existing service in the last 3 months. My pay reflects good performance. Lowsy reps are weeded out quick in my opinion and cut out company waste. We are still in the top 25 companies in America, tough cut throat competition, and some other companies are rejecting as high as 20% of their applications. Does this mean they are refusing to do business with 20% of American businesses? Summits approval rating is 98%. I guess that means we give more people a chance for credit card service than other providers that deny them. That alone means we take greater risk for the sake of business.

    1. Ron

      I’m unclear who you actually work for. You’re defending the business practices of Certified Payment Processing but then you say you work for Summit? Other than the fact that you can’t seem to write or spell correctly, you started pointing out your issues with OTHER companies. Everyone knows (except maybe you) that when you want to take the attention off of yourself, you point the finger at others. Your defense of Certified and Summit spells it out clearly what type of company you work for. Nowhere did you state the companies didn’t do what the complaints were about. You just blindly defended them and tried to call out other companies. This afternoon I was approached by a sales rep. When I said no, she called her supervisor, Walter “Trey” Rush, who proceeded to tell me he could get me better rates on my merchant account without doing a credit check and give me a specified time period to respond. The sales rep started filling out an “application” asking for my date of birth, company info, and my social security number. When I wouldn’t give her my social, she called her supervisor again and put the phone on speaker. When I asked why they wanted my social, he said “How am I supposed to give you rates without it”? Any idiot would know the rates were based on a credit check (even though he told me he wouldn’t do one). When I said “That’s it, I’m done”, the rep took the phone off speaker but didn’t have it far enough away from me for me not to hear him say “WHAT A DUMBASS!”. The sales rep apologized for what the supervisor said. I told her “NO, I’m sorry you have to work for a person like that”. This pretty much sums up MY experience with Certified. SO, Melodie McBride, I hope you’re proud of the people you work with. Some of your customers are not.

  4. joseph murphy

    Certified payment processing keeps calling my cell number and then hanging up when i answer. I hear operators specking in the background. it is a nuisance. they call constantly. how do i stop this?

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