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Why Some Merchants Are Avoiding Credit Card Processing Specialists

Name: Credit Card Processing Specialists
Item: Credit Card Processing Specialists
Rating: 3
Author: Phillip Parker

Author: Phillip Parker

Updated: September 30, 2025

Maintained Since: November 6, 2015

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We take our role in providing guidance and education regarding the card payment industry very seriously. At our own expense, we have vigorously defended our right to continue expose unethical and predatory practices in the industry, successfully defeating every attempt to silence us. However, fending off frivolous lawsuits is costly. To sustain these efforts, one of the ways we generate revenue is through affiliate partnerships with ethical providers. This means that some of our outgoing links connect business owners to trustworthy, low-cost payment processors, which is what most of our readers seek. We see this revenue channel as a win-win-win for everyone involved. Business owners find good processors, processors get good clients, and we are able to continue to provide a valuable service to the small business community. We also recommend and link to many services that do not compensate us. Our priority is to guide you to the best solutions for your needs, regardless of potential revenue. If you have questions, please feel free to contact us.

All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.

Credit Card Processing Specialists

Rating

3/5

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Pros

Competitive Rates

Diverse Solutions

Customer Support

Cons

Early Termination Fees

Equipment Costs

Limited Transparency

Inconsistent Service

Long-Term Contracts

Overview

In this review of Credit Card Processing Specialists, we examine the company’s services and the lack of transparency about its ownership and physical location, both of which raise questions for potential clients. We cover their rates, fees, contract terms, and cancellation policies, as well as customer feedback, industry ratings, and common complaints about misleading practices. The review also looks at the payment processing options they provide across industries, including available equipment, online features, and integration capabilities. Finally, we assess the efficiency of their customer support and analyze their pricing structure to give readers a clear and balanced view of how Credit Card Processing Specialists operates within the merchant services industry.

About Credit Card Processing Specialists

Screen Capture of Credit Card Processing Specialists Homepage — Credit Card Processing Specialists Homepage

Credit Card Processing Specialists is a merchant account provider that appears to serve most standard-risk business types. The company’s website discloses almost no information about its affiliated companies, its processing network, its ownership, its location, or its time in business. This degree of privacy is common among companies that are DBAs or subsidiaries of larger companies, but we are unable to determine whether Credit Card Processing Solutions is its own entity or just an alternate name for a parent organization at this time.

Products & Merchant Services

Payment Processing

Credit Card Processing Specialists handle most major credit and debit card payments for standard-risk businesses, with a focus on industries such as retail, hospitality, lodging, small ticket sales, Level 2 & 3 B2B transactions, direct response, kiosks/self-service, medical, e-commerce, restaurants, financial institutions, utilities, mail/telephone orders, education, and mass transit. Their offerings include a mobile application, wireless terminals, the (link unavailable) payment gateway, QuickBooks integration, virtual terminals, check processing, international payments, gift and loyalty programs, cash advances, and various POS solutions from Omni, Verifone, Nurit, Equinox, and ChargeEasy.

Merchant Accounts

Credit Card Processing Specialists provide a variety of merchant accounts tailored to businesses of different sizes and types.

Equipment and Terminals

Qualified merchants receive free credit card terminals upon signing up. The company offers a wide range of credit card processing terminals to meet different business needs.

Online Features

The company offers advanced online reporting and integrates with (link unavailable) and other gateways. Their advanced gateway features include tools for risk management.

No Long-Term Contracts

Credit Card Processing Specialists do not require long-term contracts and only ask for a 60-day notice for service cancellation.

Additional Services

The company also provides merchant cash advances, mobile payment processing, a payment gateway, and an agent program for those interested in reselling their services.

Customer Reviews & Sentiment

Spotless Reputation

Our thorough search has not revealed any negative Credit Card Processing Specialists reviews, suggesting that the company operates with integrity, and there’s no evidence to indicate it’s involved in scams or deceptive practices. Notably, Credit Card Processing Specialists maintains a low profile regarding its geographical location, team, or affiliations, a strategy often seen in DBAs (Doing Business As) of larger entities. This could mean any grievances might be directed at its parent company, though we’ve found no such occurrences. If you have experiences with Credit Card Processing Specialists to share, your input in the comments below would be invaluable.

Customer Support Overview

Credit Card Processing Specialists provides extensive customer support through various technical support email addresses and a contact number listed on its website. The company likely leverages its backend processor to manage after-hours inquiries, ensuring continuous assistance.

Industry Scores & User Ratings

Online Ratings Summary
PaymentPop	5
BBB	N/A

PaymentPop Rating for Credit Card Processing Specialists

Negative Feedback

There are no negative reviews published about Credit Card Processing Specialists on the PaymentPop website.

Positive Feedback

Credit Card Processing Specialists helped us start saving money right away. They reviewed our old statements, showed us where we were overpaying, and made the switch super easy. We were up and running fast, and their support team is always available when we need them. No pushy sales—just honest, helpful service.

No BBB Profile

The Better Business Bureau does not maintain a profile for Credit Card Processing Specialists at this time. Accordingly, we will not factor a BBB rating into this review.

Processing Rates & Fees

Flexible Contract Terms

Currently, there’s limited publicly available information about the standard Credit Card Processing Specialists contract. The company advertises a flexible contract allowing cancellation with 60 days’ notice and no associated cancellation fees. It’s probable that the company predominantly offers tiered pricing over interchange-plus pricing. However, specifics about additional charges like PCI compliance fees, monthly minimum fees, statement fees, or annual fees are currently unavailable. This stands positively against our listed top credit card processors.

Lack of Contract Complaints

As of now, there are no negative reviews regarding Credit Card Processing Specialists’ pricing, indicating overall satisfaction among clients regarding rates and fees. However, it’s uncertain whether the company’s pricing competes with the industry’s most affordable merchant accounts. For insights into the standard Credit Card Processing Specialists merchant agreement, we invite you to share your knowledge in the comments section below this review.

Lawsuits & Legal History

No significant class-action lawsuits or Federal Trade Commission (FTC) complaints have been discovered against Credit Card Processing Specialists. Clients looking for non-litigious resolutions with the company are advised to contact relevant regulatory bodies for potential mediation.

Employee Reviews & Sales Practices

Outside Sales Team

Credit Card Processing Specialists appears to primarily market itself through paid advertising, referral partnerships, and independent sales agents. The use of independent sales agents is commonly tied to high complaint rates in the credit card processing industry, but we are currently unable to locate any Credit Card Processing Specialists reviews that describe unethical conduct by the company’s sales team. If you suspect that you are being overcharged by Credit Card Processing Specialists, you can find and eliminate hidden fees in your monthly bill with a third-party statement audit.

Credit Card Processing Specialists Rate Quotes

The Credit Card Processing Specialists website prominently advertises “swiped rates as low as 0.35%.” This is likely the company’s “Qualified” debit rate, and this rate quote does not mention the higher “Mid-Qualified” and “Non-Qualified” rates that clients will pay on the majority of transactions. We consider this type of rate quote to be deceptive because it could give clients an unrealistic expectation of the rates they will pay. Interestingly, another ISO/MSP of Deutsche Bank is known to prominently quote the same 0.35% rate: Commerce Payment Systems. We have found no evidence linking the two companies, but the similarity bears mentioning. We also encourage businesses to check out our list of the providers of the best merchant accounts.

Credit Card Processing Specialists Competitors

Compare Credit Card Processing Specialists to competitors that earned top marks.

Pricing

Bottom Line

We have assigned a 3-star rating to Credit Card Processing Specialists, mainly because concrete details about the company are hard to come by. While the absence of customer complaints could suggest that it is a reliable provider, the lack of transparency regarding its ownership, location, duration of operation, and its relationships with processors is concerning and needs to be clarified before we can confidently give a definitive rating.

Given this uncertainty, businesses considering this provider should thoroughly assess and compare Credit Card Processing Specialists’ pricing with that of leading credit card processors. This comparison is vital to ensure that they secure the most advantageous deal possible, while also partnering with a processor that is transparent and established in the industry.

Read Actual User Reviews

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All user reviews have been moved to our partner, PaymentPop.com

Contact Credit Card Processing Specialists

Contact & Customer Support
Toll-Free Customer Support	866-470-1705
Website	creditcardprocessingspecialists.com

About Us

CardPaymentOptions.com

Established 2009

My name is Phillip Parker, and I started this website back in 2009 as a simple blog to call out shady credit card processors that were taking advantage of small business owners. At the time, I had no idea this side project would grow into a leading voice pushing for transparency and integrity in the payment processing industry. I also didn't anticipate just how far some of these companies' owners would go to try to silence me.

I was recruited out of college for a sales role with a credit card processor. At the time, I didn't realize the “training” was really about tricking me... into selling business owners expensive processing with hidden fees and long-term service agreements. In my first few sales, I unknowingly cost friends and family thousands of dollars after they trusted me to switch their services. When it finally clicked that something was seriously wrong, I was furious. I quit immediately and made a promise to expose that company and any others operating the same way. That promise is what led to the creation of this website.

As I wrote about these processors, their tactics, and the people behind them, the articles started to spread among business owners. News organizations picked up the stories, readers shared them online, and traffic to the blog took off. Unsurprisingly, that also caught the attention of the companies and individuals I was exposing.

Over the last 17 years, I've received several anonymous death threats and defeated four lawsuits meant to intimidate me into taking my blog down. Their efforts to muzzle me only made my determination to expose them even stronger, leading me to work with state authorities to help shutdown some of the worst offenders.

I'm proud to say that of the millions of people who have read my work, thousands have taken the time to write and thank me for helping them narrowly avoid a very costly mistake. This blog has played a small role in pushing the industry toward more ethical practices - but there are still bad actors out there, which means the work isn't done.

If I can offer one piece of advice, it's this: get every promise in writing, and take the time to review contracts carefully. Tools like ChatGPT can help surface red flags and uncover expensive surprises buried in the fine print.

If you've made it this far, thank you for reading. I truly appreciate you being here, and I wish you every success with your business.

Our Research Methodology

Pricing & Fees

We analyze all costs including rate structures (interchange-plus, tiered, flat-rate, etc), monthly fees, equipment costs, early termination fees, and hidden charges. This data is gathered from service agreements, statements and client feedback.

Features & Technology

Evaluation of POS systems, e-commerce integrations, mobile capabilities, reporting tools, recurring billing..., and developer resources. When possible, we directly test services and hardware. Otherwise, we rely on client feedback and public information.

Customer Support

We evaluate availability across phone, email, chat, and social channels. Measuring hold times, night and weekend availability, and client feedback regarding effectiveness, professionalism, and resolution rates.

Contract Terms & Conditions

We review service agreements and equipment contracts for reasonability, transparency, and fairness. We focus on uncovering any predatory clauses, such as unjustified early termination fees, hidden costs, and unclear cancellation policies.

User Experience

We comb the internet and interview current and former clients to evaluate the overall user experience and identify any common pain points that may impact the user experience.

Sales & Marketing Practices

We evaluate sales tactics, marketing materials, and client feedback to determine the level of transparency and ethical nature of the provider's approach. Does the provider publicly disclose pricing? Do they use teaser rates? We score based on these and other factors.

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