Review: Fees, Complaints, Comparisons & Lawsuits Logo Rating
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image of a phone image of a phone that changes when your mouse hovers over it (424) 322-2573 View Pricing

A Full-Service Merchant Account Provider

Founded in 1998, is a merchant account provider that specializes in serving high-risk and hard-to-place business types. The company advertises that it can assist medical marijuana vendors with payment processing, but it does not explicitly state whether it can process credit card payment payments for marijuana and CBD merchants. Payment Processing processes all major debit and credit cards for most business types. Their services include Access to a payment gateway, ACH processing, and chargeback protection. Location & Ownership is headquartered at 520 Broadway, Santa Monica, California, and is a registered ISO of Humboldt Merchant Services, Eureka, California. JW Epply is the CEO of Review Table of Contents

  • Costs & Contract: offers variable contract terms depending on each merchant’s business type, size, and processing history.
  • Complaints & Service: complaints number fewer than 10 on public complaints forums.
  • BBB Rating: currently has an “A+” rating with the Better Business Bureau and has received 0 complaints in the last 3 years.
  • Sales & Marketing: hires independent sales agents but has not received any complaints about its sales practices. payment processing offers payment processing services for most business types including high-risk Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Item Result
Total Online Complaints <10
Live Customer Support No
Most Common Complaint N/A

No Public Complaints

We are currently unable to locate any complaints that accuse the company of being a ripoff or a scam. This seems to indicate that employs a proactive and available customer support team, as high-risk processors typically receive more complaints than standard-risk processors. Lawsuits

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

The website provides general phone and email contact information but does not list a dedicated customer support number.

We have located a single customer service number:

(424) 322-2573 – General Customer Service also offers a support form on its website.

We will award an “A” rating in this category, but the company’s current customer support options do not qualify it as a top-rated customer service processor. Online Ratings

Here's How They Rate Online

Online Ratings Summary
Item Result
Total Complaints 0
Resolved Complaints 0

Clean Complaint Record has an “A+” rating with the Better Business Bureau and has been BBB accredited since 2016. The company has not received any complaints in the past 3 years. It also has not received any informal reviews.

An “A” Performance

Given the company’s clear complaint record, we agree with the BBB’s rating at this time. Merchants should note, however, that there are good reasons to be skeptical of the BBB’s rating system. Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Item Result
Swiped Rate 1.00% - 4.99%+
Keyed-In Rate 1.00% - 4.99%+
Early Termination Fee Variable
PCI Compliance Fee Variable
Equipment Lease Terms Variable Contract Terms

There is no publicly available information about the standard contract at this time. It is likely that the company customizes its pricing and terms according to each merchant’s business type, location, and processing history. The company’s wide range of preferred merchant types means that it could offer long-term equipment leases for certain merchants’ needs.

High Risk, High Fees

High-risk payment processors tend to charge higher-than-average rates due to the increased risk of chargebacks in high-risk industries. They may also enforce cash reserves to insulate themselves from fraud losses. High-risk merchants should therefore expect to receive stricter contract terms when processing payments through

No Red Flags

The total absence of complaints about the company’s contract terms merits an “A” in this category, but it should be noted that we are assigning this grade without any verified knowledge of specific pricing. It is unlikely that’s high-risk pricing will be competitive with the cheapest merchant accounts. We also encourage merchants to check out our list of the providers of the best merchant accounts. Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Item Result
Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms No

Inside/Outside Sales Team appears to rely on a combination of independent resellers and in-house staff to market its services. There is no evidence at this time indicating that the company employs a large team of independent sales agents, and we are unable to locate any reviews that report unethical behavior by the company’s sales staff. This compares favorably to our list of best credit card processors.

No Misleading Quotes does not appear to engage in any deceptive advertising strategies in its official materials. If you suspect that you are being charged undisclosed fees, we recommend seeking a third-party statement audit to eliminate hidden charges.

Our Review Summary

Our Final Thoughts

A Reliable Option for Most Merchants

According to all available information, rates as a dependable merchant services provider. There is not a lot of specific information available about the company’s sales tactics or contract terms at this time, but its clean complaint record is a very positive sign. Even when dealing with companies that rate highly by our standards, we urge merchants to thoroughly examine the terms of any contract they are given and to compare its pricing to top-rated high-risk processors.

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Your Comments & Reviews

How Did Treat You?

1 Responses

  • Theo April has been a game-changer for my business! The seamless integration of their services into our operations has streamlined our workflow like never before. From managing customer data to tracking sales, everything is a breeze now. The user-friendly interface makes it easy for my team to adapt quickly, saving us valuable time and effort.

    I can’t emphasize enough how much has boosted our productivity and efficiency. Their prompt customer support is impressive, always addressing our queries with utmost professionalism. With, I feel more in control of my business, making informed decisions based on real-time insights.

    I highly recommend to any business looking to stay ahead in this fast-paced digital world. It’s a reliable, robust, and indispensable tool that has truly revolutionized the way we operate. Thank you,, for being an invaluable partner in our success!

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