C&H Financial Services Reviews & Complaints

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How did they treat you? ▼

Pros & Cons
Pros: Cons:
No misleading marketing tactics. Relies on independent sales agents.
Wide industry coverage. Variable contract terms and fees.
Various processing products and services. Complaints about customer service.

Company Overview

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 (now Fiserv), 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.

In 2023, C&H Financial Services was purchased by Priority. It appears that Priority is absorbing C&H Financial Services, and we will keep you updated as more information comes out.

C&H Financial Services Payment Processing

C&H Financial Services processes all major debit and credit cards for most business types. Their services include EMV card readers and swipers, POS solutions, wireless solutions, access to payment gateways, cash discounts, gift and loyalty programs, ACH and e-check processing, chargeback management, and digital concierge solutions.

Point of Sale Solutions by C&H Financial Services

The company offers point-of-sale (POS) solutions. POS systems help businesses in managing sales, inventory, and customer relationships.

Merchant Cash Advances by C&H Financial Services

Another service provided by C&H Financial Services is merchant cash advances. This is a form of business financing, where a business sells a portion of its future sales in return for immediate cash.

Check Processing Services

C&H Financial Services provides check processing services. This enables businesses to accept and process paper checks electronically, which can help reduce the risk of fraud and returned checks.

Gift and Loyalty Card Programs

C&H Financial Services offers gift and loyalty card programs. These can help businesses attract new customers, retain existing ones, and increase overall sales.

C&H Financial Services Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints <10
Live Customer Support No
Most Common Complaint N/A
Recent Lawsuits Yes

Detailed Review of C&H Financial Services

Our investigation into C&H Financial Services reviews reveals a limited number of negative comments online. These do not categorize the company as a scam or a ripoff, but they do bring up issues like unprofessional sales practices, higher-than-expected fees, considerable early termination fees, inadequate customer service, and difficulties faced by sales contractors. The variability of these complaints might suggest they are isolated incidents rather than systemic problems. We encourage readers to share their own experiences with C&H Financial Services in the comments for a more comprehensive understanding.

Current Legal Situation of C&H Financial Services

In 2023, C&H Financial Services was involved in a legal dispute over alleged mismanagement in bookkeeping, which adversely affected a client’s financials. This case is ongoing. Clients looking for non-litigious ways to resolve issues are advised to contact relevant supervisory organizations.

Evaluating C&H Financial Services’ Customer Support

While C&H Financial Services provides a toll-free customer support number, the extent of support available through this medium is not fully clear. Enhanced clarity and accessibility in customer service would be beneficial.

Contacting C&H Financial Services

  • (855) 600-2437 – Toll-Free Customer Support

Considering the minimal number of complaints and the presence of a dedicated customer service line, C&H Financial Services earns an “A” rating in this category. Further development in their customer support infrastructure could elevate their status as a premier customer service provider in the financial services sector.

C&H Financial Services Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Reports 2

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.

Under 5 Complaints

C&H Financial Services currently has an “A-” rating with the Better Business Bureau and is not BBB-accredited. The company has received 2 total complaints in the past 36 months.

What Merchants Say

C&H Financial Services has also received 1 informal review on its BBB profile, which was positive. A previous negative review described sudden debits from the client’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

Clients 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”.

C&H Financial Services 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

Three-Year Contract

The C&H Financial Services contracts, supported by First Data (Fiserv), TSYS, and Esquire Bank, showcase a flexible pricing model. The agreement with First Data (Fiserv) includes equipment leasing options through First Data Global Leasing. Specific details on transaction and recurring fees are not provided, indicating potential variability in these charges. Additionally, C&H offers a cash discount program designed to mitigate merchant fees by transferring them to the customers.

Industry-Average Terms

A limited number of complaints have been found regarding C&H Financial Services, focusing on high early termination fees and unforeseen charges. These issues, in conjunction with standard contract terms from First Data (Fiserv), suggest that C&H Financial Services’ pricing may not align with the most competitive rates available in the market.

For businesses seeking alternatives, we recommend exploring our curated list of the top merchant account providers to find options that might offer more advantageous terms.

C&H Financial Services Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers Yes
Telemarketing Likely
Misleading Marketing 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 reviews about the company’s sales staff. The issues reported include high-pressure sales tactics, misrepresentation of contract terms, and erratic conduct from sales agents.

This does not compare favorably to our list of best credit card processors.

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 you are being charged undisclosed C&H Financial Services fees, we recommend seeking a third-party statement audit to eliminate hidden charges.

Our C&H Financial Services Review Summary

Our Final Thoughts

According to all available information, C&H Financial Services rates as an above-average credit card processing provider. The company offers contract terms that align with industry standards, suggesting a level of transparency and fairness in its dealings with clients. However, despite its generally positive standing, there are some minor issues noted in its complaint record, particularly concerning its customer service team. These issues, while not overwhelming, indicate areas where the company could improve to enhance overall customer satisfaction.

Business owners seeking the best possible deal may still find it beneficial to compare C&H Financial Services with top-rated merchant account providers. These providers often offer more competitive rates and superior customer service, which could result in better overall value. While C&H Financial Services demonstrates reliability and competence in its services, exploring multiple options can ensure that businesses secure the most favorable terms and support for their specific needs.

Location & Ownership

C&H Financial Services is a registered ISO/MSP of Esquire Bank, N.A.; of Wells Fargo Bank N.A., Concord, CA; of Synovus Bank, Columbus, GA.; and of Woodforest National Bank, N.A., The Woodlands, TX. The company is headquartered at 1 Westbrook Corporate Center, Suite 300, Westchester, Illinois 60154-6596. Anthony Holder is the CEO of C&H Financial Services.

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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 C&H Financial Services Treat You?

2 User Reviews

  • Noha Labib

    Noha's Gymnastics Academy

    C & H is the company that process my customers credit cards payments. The processed payment have not been deposited in my bank account for 19 days now. I have been trying to reach out to them for over a week now with no one answering. I called and stayed on the phone of an hour and 45 mins one day until it was hung up no answer. Next day I called and pressed 1 to have a rep call me back never happened. I sent an email, no one responded. I called when they were closed and left a message 3 different times. Still no one call back. I am trying to leave a review may be I will get an answer.

    Terrible customer service.

  • Matthew Kathleen

    I’ve been in business for many years, and I must say that partnering with C&H Financial Services has been a game-changer for me. These folks really know their stuff!

    From the moment I reached out to them, I could tell they were different. Their team was incredibly responsive and took the time to understand my unique payment processing needs. They didn’t try to sell me a one-size-fits-all solution, but instead, offered a tailored approach that perfectly aligned with my business.

    C&H’s platform is a breeze to use. I’m not the most tech-savvy person, but their system is so intuitive that I had it up and running in no time. I can process transactions, manage customer data, and generate reports without any hassle. It has definitely streamlined my operations and saved me precious time.

    When it comes to pricing, C&H is refreshingly transparent. No hidden fees or surprises. Their rates are competitive, and they lay everything out upfront, which I appreciate. It’s nice to work with a company that values honesty and doesn’t try to nickel and dime you.

    But what really sets C&H apart is their outstanding customer service. Whenever I’ve had a question or needed support, they’ve been there for me, day or night. Their team is friendly, knowledgeable, and genuinely cares about my business’s success. It’s like having a reliable partner by your side.

    Security is paramount in today’s digital world, and C&H takes it seriously. I feel confident knowing that my customers’ data is protected with their state-of-the-art security measures. It’s one less thing to worry about in my day-to-day operations.

    Switching to C&H Financial Services has been one of the best decisions I’ve made for my business. They’ve not only improved my payment processing but also provided me with the peace of mind that comes with knowing I’m in good hands. If you’re looking for a professional yet approachable payment processing partner, I wholeheartedly recommend C&H Financial Services. They’ve earned my trust, and I’m sure they’ll exceed your expectations too.

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