C&H Financial Services Review

C&H Financial Services Overview

From the Founders of Unified Payments and Process Pink Payments

Founded in 2008, C&H Financial Services is a merchant account provider that serves most standard-risk business types in the United States. The company is a reseller of First Data, Priority Payment Systems, and Merrick Bank. C&H was founded by a former divisional president of Unified Payments and co-founder of Process Pink and Money Movers of America, but it is unclear whether the company is still affiliated with these organizations. In 2015, the company acquired Regal Payment Systems.

C&H Financial Services provides standard payment options for merchants. In addition to credit, debit, ACH payments, merchant cash advances, and gift card processing, the company also provides a cash discount program to merchants.

C&H Financial Services Location and Ownership

C&H Financial Services is a registered ISO of Esquire Bank, N.A., Jericho, NY, Wells Fargo Bank N.A., Concord, CA, Citizens Bank, N.A., Providence, RI, and of Woodforest National Bank, N.A., The Woodlands, TX. The company is headquartered at 1 Westbrook Corporate Center, Suite 300, Westchester, Illinois. Anthony Holder is the CEO of C&H Financial Services.

C&H Financial Services Review Table of Contents

  • Costs & Contract: C&H Financial Services offers a three-year contract with a variable early termination fee.
  • Complaints & Service: C&H Financial Services has received fewer than 10 public complaints.
  • BBB Rating: C&H Financial Services currently has an “A+” rating with the Better Business Bureau and has received 9 complaints and 8 reviews in the last 3 years.
  • Sales & Marketing: C&H Financial Services hires hire independent sales agents and has not received some complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With C&H Financial Services
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Products & Services Offered

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce
  • MOTO

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C&H Financial Services Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-In Rate 1.00% - 4.99%
Early Termination Fee $500+
PCI Compliance Fee Variable
Equipment Lease Terms 48-month (locked)

Three-Year Contract

The C&H Financial Services First Data Program Guide,  TSYS Program Guide, and Esquire Bank Program Guide each reflect the variable pricing structure of the company. The First Data-backed contract includes an equipment lease through First Data Global Leasing. We are unable to locate any specific information regarding C&H’s transaction fees and recurring fees, so merchants should be prepared for some variation in these costs. The company also offers a cash discount pricing program that has the potential to offset all of a merchant’s fees, but this is achieved by passing those fees directly to customers.

Industry-Average Terms

We are currently able to locate a few C&H Financial Services complaints that mention high early termination fees and unexpected costs. When coupled with the company’s standard First Data contract terms, these complaints do not suggest that the company’s pricing can compete with the cheapest merchant accounts.

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Response from C&H Financial Services

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C&H Financial Services Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support No
Most Common Complaint N/A

Low Complaint Total

We are currently able to locate a handful of negative C&H Financial Services reviews, none of which accuse the company of being a ripoff or a scam. The complainants mention unprofessional sales conduct, higher-than-expected fees, large early termination fees, poor customer service, and a negative internal environment for sales contractors. There is no consistent theme to the company’s complaints, which may indicate that a few of these complaints are isolated incidents.

C&H Financial Services Lawsuits

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

C&H Financial Services Customer Support Options

The C&H Financial Services website does not appear to list any dedicated customer support contact information. We will award C&H Financial Services an “A” rating in this category due to its low complaint total, but the company’s current customer support options do not qualify it as a top-rated customer service processor.

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Response from C&H Financial Services

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C&H Financial Services BBB Rating Summary

Key Points - BBB

Product & Service Complaints 7
Billing & Collection Complaints 2
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.

Just Under 10 Complaints

C&H Financial Services currently has an “A+” rating with the Better Business Bureau and has been BBB-accredited since 2015. The company has received 9 total complaints in the past 36 months, with 7 related to the product or service and 2 related to billing and collections. 1 complaint was resolved while the remaining 8 were answered but did not receive a final response from the merchant.

What Merchants Say

C&H Financial Services has also received 8 informal reviews on its BBB profile. 6 reviews were positive in tone and 2 were negative. The most recent negative review describes sudden debits from the merchant’s bank account:

HORRIBLE CUSTOMER SERVICE. They made a mistake over a period of 6 monthes and deostied money onto my account. Then with no notice or offer to fix it gradually they debited it all from my business bank account ALL AT ONE TIME….causing payments to bounce and credit ttooo look horrible….OVER 400 in NSF fee’s, then the following month they did it again…… This is the financial company tht Sprts engine websie uses BE VERY CAREFUL…..do not recommend

Merchants who are experiencing bank account abuse can halt the payments by canceling their merchant account immediately.

A “B” Performance

In light of the company’s complaint total and resolution ratio, we have slightly adjusted the BBB’s rating to a “B”.

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Response from C&H Financial Services

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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

C&H Financial Services appears to rely on an in-house sales staff, strategic partnerships, and independently contracted sales agents to market its services. The use of independent sales agents is commonly linked to elevated complaint rates in the credit card processing industry, and it appears to have generated a few C&H Financial Services complaints about the company’s sales staff. The issues reported include high-pressure sales tactics, misrepresentation of contract terms, and erratic conduct from sales agents.

No Misleading Quotes

To its credit, C&H Financial Services does not appear to engage in any deceptive advertising strategies in its official materials. The company even provides some of its contract documentation on its website for public review. If you suspect that C&H Financial Services is charging you undisclosed fees, we recommend seeking a third-party statement audit to eliminate hidden charges.

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Response from C&H Financial Services

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Our Opinion of C&H Financial Services

A Standard Option for Most Merchants

According to all available information, C&H Financial Services rates as an above-average merchant services provider. The company’s contract terms appear to be about standard for the industry, and its complaint record suggests that there are some minor issues with its customer service team. Merchants may be able to obtain a better deal by working with a top-rated merchant account provider.

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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.

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