Credit Card Processing 2023: Reviews & Complaints
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Company Overview is a merchant account provider that has been in business since 1995. The company was bought by Pipeline Data (a subsidiary of Cynergy Data) in 2005. Neither Pipeline Data or Cynergy Data are still operating: Pipeline went bankrupt and Cynergy was absorbed into Priority Payment Systems, so it is probable that is now also part of Priority Payment Systems. The company resells Authorize.Net for its payment gateway services. focuses primarily on supplying credit card processing services and equipment but can also provide e-commerce solutions for merchants who require them. Payment Processing processes Visa, MasterCard, Amex, Discover, and checks instantly online, in-person, by phone, mail, or fax for almost any business type. They offer a free terminal or swiper, mobile solutions, a virtual terminal, e-commerce solutions such as shopping carts, SEO services, online management and reporting, and SSL certification.

Virtual Terminals provides virtual terminals that enable businesses to accept payments online through a secure web-based platform. This service is ideal for businesses that do not have a physical storefront or that primarily operate online.

E-commerce Payment Solutions by

For businesses operating in the online space, provides e-commerce payment solutions. These include a secure payment gateway that integrates seamlessly with business websites, enabling real-time online transaction processing. Such e-commerce solutions allow businesses to accept payments from customers globally, expanding their reach beyond geographical boundaries.’s Mobile Payment Processing provides mobile payment processing services that enable businesses to accept card payments on the go using mobile devices. This service is designed to cater to businesses that operate outside of traditional brick-and-mortar environments, providing a flexible and convenient payment processing solution.

POS Systems from

Point of Sale (POS) systems provided by are aimed at facilitating business operations beyond just payment processing. The POS systems can manage sales transactions, track inventory, and store customer information, making them a comprehensive tool for business management. For specifics about which POS systems they offer, it would be best to directly contact the company.

Recurring Billing and Subscription Management by

For businesses that operate on a subscription model or require recurring billing, offers relevant solutions. These services help automate the billing process, enabling businesses to regularly collect payments for ongoing services or subscriptions without manual intervention.

ACH Processing provides ACH processing services that enable businesses to accept electronic payments directly from bank accounts. This service is designed to be fast, secure, and reliable, and it is ideal for businesses that receive recurring payments or that need to process large volumes of payments.

Chargeback Prevention offers chargeback prevention services that help businesses reduce the risk of chargebacks, which can result in lost revenue and increased processing fees. Their chargeback prevention services are designed to be proactive and help businesses resolve disputes quickly and efficiently.

Location & Leadership

The company is headquartered at 9715 W Broward Blvd # 182, Plantation, FL 33324-2351 and is a registered ISO of Wells Fargo Bank, N.A., Walnut Creek, California. Greg Danzig is listed as the president and CEO of Pros and Cons


  • Veteran Prescence in the Industry
  • Fewer Complaints Than Expected


  • Does Not Disclose All Important Terms
  • Reports of Unethical Sales Tactics

Video Summary

YouTube video

Table of Contents

  • Costs & Contract: Appears to offer a three-year contract with a $495 early termination fee and…
  • Complaints & Service: Has received more than 45 public complaints regarding…
  • BBB Rating: Has an “A+” rating with the Better Business Bureau and has received 0 complaints in…
  • Sales & Marketing: Appears to hire independent sales representatives and has received some complaints about its… payment processing advertises that they will work with just about any business Customer Complaints & Reviews

Here's What Users Think

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint
Hidden Fees
Recent Lawsuits

Moderate Complaint Total

There is a low number of negative reviews filed online for a provider of its size and time in business; however, it should be noted that its former parent company (Pipeline Data) and processor (Cynergy Data) amassed very high complaint counts. seems to have a consistent pattern of public complaints filed on Ripoff Report, although a handful of these reviews may be filed against other businesses with “” in their names. The majority of the complaints report unexpected and hidden fees, nondisclosure of the PCI Compliance fee, high cancellation fees, and unauthorized debits from business’ checking accounts. If you have your own review to make, please do so in the comments below. Lawsuits and Fines

We have not found any outstanding class-action lawsuits or FTC complaints filed against Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations. Customer Support Options

As of this update, the company’s complaint volume appears to have slowed from previous years, which may be an indication of improved policies and customer service. It could also be a sign that’s business has slowed, or that the company is making use of a DBA. offers 24/7 phone support to its clients, though this channel is not sufficient enough to qualify it as a top-rated payment processor for customer service. Customer Service Number

  • (888) 496-4818 – Toll-Free General Customer Service

Other Support Options

  • Customer support form on its website
  • Customer service email address at [email protected] BBB Rating and Report

Our Better Business Bureau Profile Assessment

BBB Summary

BBB Reports

No Complaints

As of this update, the Better Business Bureau is reporting that has an “A+” rating based on no complaints.

What Merchants Say

At the time of a previous review, one client described issues with customer service and funds charged after account cancellation:

I ordered,then cancelled my service with these guys. They took monies from me,and will not refund. They even took monies after I cancelled service. I cancelled their service shortly after signing up. I was told I would be getting a refund. Instead,they took 19.95,and then another 64.95. I had to go to my bank and block them from taking any more money,because clearly they have committed a fraud. I call their phone,I hold for 19 minutes the 1st time. 11 more the last time,for NO solution. I have an email chain with a Mr Scott,of 8-9 emails asking me to produce an email that I cant seem to locate,but at this time what difference would it make? Customer service is poor.

Businesses stuck in a similar situation can benefit from knowing how to cancel an account without paying a fee.

No Rating Assigned

We agree with the BBB’s rating at this time, but business owners should note that there are good reasons to be skeptical of BBB scores. Fees and Rates

A Closer Look at the Contract

Cost Summary

Cancellation Penalties
Monthly & Annual Fees
Processing Rates
Equipment Leasing

Variable Pricing’s pricing appears to vary from business to business based on business type and processing volume. As discussed in a later section of this review, the company promotes deceptive price quotes that could easily confuse clients.

Three-Year Contract Term

A copy of the company’s standard contract terms includes a 36-month service agreement with an Early Termination Fee (ETF) of $495, a monthly statement fee of $25 (applied only in the event that creates a reserve account for the client), a one-time fee of $35 if the business’ keyed-in transactions constitute more than 15% of its overall transactions in any given month, and a monthly fee of $25 for governmental compliance. The company also charges an annual PCI Compliance fee of up to $185 (but not in excess of $300), which is much higher than the industry average. Additionally, as a reseller of, clients who choose the company’s gateway services will be charged a fee of $25 per month. We always encourage business owners to check out our list of the providers of the best merchant services.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. The company resells the services of Authorize.Net, whose pricing is readily known. Businesses using’s payment gateway will be charged a 2.9% plus $0.30 per-transaction fee, a $25 monthly gateway fee, and a daily batch fee of $0.10 in addition to the $25 monthly gateway fee.

It should be noted that as a reseller of Authorize.Net and other payment gateway services, may alter the terms and conditions of those rates and fees.’s rates are not competitive with the cheapest merchant accounts available. Jobs and Employment

Hiring Standards and Ethical Marketing Assessment

Key Points

Uses Independent Resellers
MIsleading Marketing
Discloses All Important Terms
No Sales Approach’s marketing strategy appears to rely heavily on independent sales agents, online marketing, and affiliate partnerships. has received a low score in this section because the company promotes highly misleading pricing on its website. This does not compare favorably to our list of the best credit card processors.

Deceptive Quotes

The company advertises itself as “the most trusted name in payments” with rates “as low as 0.25%” and a transaction fee “as low as $0.15.” promotes these rates in a way that fails to disclose the Downgrade Fees for Mid-Qualified and Non-Qualified transactions. Additionally, the company’s website advertises that it does not charge cancellation fees yet its merchant agreement explicitly lists an early termination fee of $495.

The website quotes reviews from companies like Apple, NBC Internet, America Online, and Yahoo!, but it doesn’t provide links to these sources or explain why these companies would be reviewing In general, appears to rely heavily on selective disclosure and vague testimonials to build trust with clients. If you suspect that is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden charges. review

The questionable reviews as seen on Review Summary

Our Final Thoughts and Opinions has been in the credit card processing industry for more than 20 years; however, the company suffers from the typical complaints found with less reputable credit card processors. The company can improve its rating by fully disclosing all fees and contract terms of its own services (as well as the ones it resells to businesses) and by preventing future negative reviews regarding deceptive sales tactics. We will continue to monitor the company’s reputation to determine whether it will become one of the worst-rated providers or a worthy competitor to the top-rated providers.

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Customer & Employee Reviews

What Others Are Saying About

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10 Responses

  • WilliamKirkland

    My order for charger placed 8/26/19, received, not compatible, phoned them they tried to talk me out of returning by offering a 25% discount. Why buy if it won’t work, I asked. Returned 9/5/2019 by USPO to Pacoima, CA…my Visa charged and no credit issued in 5 weeks. Another example of an electronic company ripping customers off, same thing happened with a personal fan device…no more internet purchashes for me.

  • Roux Mohammed

    Customer Service is poooooooooooooooooor. You email them or call them it’s hard to get hold of them. Advice to higher level invest in Sales and Customer Service team or may be train them better name a few Meredith A. Mitchell & Deborah D. Adler.

    This post will help: Best Merchant Accounts for Great Customer Service


  • Jason Jones is an amazing company. I got set up the same day I applied and they are saving me 40% off of what I was paying with another company. I would not hesitate to recommend.

    • CPO

      Hi Jason,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  • Mark Trujillo

    worst experience ever. Got charged so many fees that im doubling my fees with my own bank with stop payments. They advertise one thing, but they neglect to tell you that their several departments have their own billing processes. We’re warned about scam artist? These crooks are those very ones we were warned about. If you havent signed up with them, do a full research first .

  • Posy Lane

    I sent them an email asking if they could beat the rates I am paying now. They were higher than what I am paying, and twice what I found another reputable vendor quoted.

    They sent me an email asking why I didn’t choose them, and so I told them about their rates compared to others. Then they sent an insulting email back in response.

    If they will treat me like crap before I am even a customer, I can’t imagine how they would treat me after I signed up.


    this company does a bait and switch i was told no contract no canclation fees monthy fees of 10 bucks . this is what i was charge 30 a month for non use 3 precent with fee no statements no one to talk to at . dont trust them crooks

  • Pam

    It has been a very difficult dealing with this company. Very very poor service and poor business practices! I feel taken advantage of and ripped OFF!

  • John

    Do not use these switch and bait they get access to your account and hit you for fees in the first month and don’t pay you… THEY DO NOT PAY MERCHANTS STAY AWAY FROM THEM.

  • Stuf

    Very poor company. Undisclosed fees galore. Do not sign up. Use Square


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About CPO

We are committed to ensuring the accountability of credit card processors by bringing transparency to their business practices. Our primary objective is to safeguard North American businesses from unscrupulous processors that impose substantial rate markups, unjustifiable fees, and exploitative contracts that result in annual losses of billions of dollars for small business owners.

We have been in operation since 2009, diligently conducting comprehensive research, publishing extensive reviews, and monitoring more than 1,000 payment processors. Our expertise in the merchant services industry has garnered recognition from esteemed publications such as the Los Angeles Times, INC Magazine, The Atlantic, and the Miami Herald, among others.

How We Score Processors

Please note that our rating system was overhauled on April 26th, 2023. Reviews dated before this date may not score in accordance with the following.

Star Rating Criteria:

At the start of our research, all processors are awarded five stars. We deduct stars if the processor engages in any of the following business practices:

– One star deduction if the processor has any junk fees.

– One star deduction if the processor does not post its pricing clearly on its website.

– One Star deduction if the processor is suffering from moderate client complaints.

– Multiple Star deductions if a processor is suffering from severe complaints, imposes unjust cancellation fees, markets non-cancellable equipment leases, engages in predatory rate pricing, or may be engaged in illegal activities.

Get all of the details regarding out rating criteria here.

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