Credit Card Processing Specialists 2023: Reviews & Complaints

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Credit Card Processing Specialists Rating
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Company Overview

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.

Article Summary

Before we dive in, here’s a short summary of what we’ll cover:

  • Credit Card Processing Specialists’ various payment processing services.
  • The company has received few complaints online.
  • There is not much information available on the CCPS contract.

Credit Card Processing Specialists Payment Processing

Credit Card Processing Specialists process most major credit and debit cards for standard-risk businesses, specifically focusing on retail, hospitality and lodging, SmallTicket, Level 2 & 3 B2B, direct response, kiosk/self-service, medical, e-commerce, restaurants, financial institutions, utilities, mail/telephone order, education, and mass transit. They offer a mobile application, wireless terminals, the Authorize.Net payment gateway, Quickbooks integration, virtual terminals, check processing, international payments, gift and loyalty programs, cash advances, and a variety of POS solutions from Omni, Verifone, Nurit, Equinox, and ChargeEasy.

Merchant Accounts

The company offers different types of merchant accounts to suit businesses of all sizes and types. These accounts are designed to help businesses process their payments effectively.

Equipment and Terminals

Qualified merchants are offered free credit card terminals upon signing up. The company provides a variety of credit card processing terminals.

Online Features

They offer advanced online reporting features and are integrated with and most other gateways. The company also provides advanced gateway features for risk management.

No Long-term Contracts

The company does not require long-term contracts and only requires a 60-day notice for cancellation of services.

Additional Services

They offer services like merchant cash advances and mobile payment processing. They also provide a payment gateway and have an agent program.

Location & Ownership

The Credit Card Processing Specialists website lists a U.S. address at 503-B Harkle Road, Ste. 100, Santa Fe, New Mexico 87505, but this address is actually the location of a First National Santa Fe. The company also lists addresses in China, Singapore, Japan, New Zealand, Hong Kong, Netherlands, Spain, Canada, the UK, and Australia. According to, Credit Card Processing Specialists is headquartered at 2885 Sanford Ave., Grandville, Michigan 49418, but this address is simply a mail forwarding address. also lists a “Mike Konig” as the primary contact at Credit Card Processing Solutions, but we have not found any social media profiles, press releases, websites, interviews, advertisements, contracts, or other sources that identify Mr. Konig as an employee or owner of Credit Card Processing Specialists. Even the testimonial from “Matt Kowschenki, Solutions Expert” on the Credit Card Processing Specialists homepage does not turn anything up in search engines. The Credit Card Processing Specialists website does state that the company is a registered ISO/MSP of Deutsche Bank, AG, New York, and the company resells a PowerPay mobile processing solution called AppCharge. These details indicate that Credit Card Processing Specialists is likely a reseller of PowerPay or of EVO Payments International.

Table of Contents

Credit Card Processing Specialists payment processing
Credit Card Processing Specialists offers standard payment processing services

Credit Card Processing Specialists Customer Reviews

Here's What Their Clients Say

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

No Public Complaints

We cannot find any negative Credit Card Processing Specialists reviews, which is a strong indication that the company is not a scam or a ripoff. As noted elsewhere in this review, Credit Card Processing Specialists provides very little information about its location, staff, or corporate affiliations to the public, which is a common feature among DBAs of larger companies. If the company is indeed a subsidiary or DBA, then it is probable that some complaints filed against it may be filed against its parent company instead. However, we have found no evidence that this is occurring. If you have your own Credit Card Processing Specialists review to make, please do so in the comments below.

Credit Card Processing Specialists Lawsuits and Fines

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

Credit Card Processing Specialists Customer Support Options

Credit Card Processing Specialists lists a number of technical support email addresses on its website as well as a phone number. It is very likely that the company outsources after-hours support to its backend processor, whatever company that might be.

Credit Card Processing Specialists Customer Service Number

  • 866-470-1705 – Toll-Free Customer Support

Other Support Options

Credit Card Processing Specialists Online Ratings

Here's How They Rate Online

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.

Credit Card Processing Specialists Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Item Result
Cancellation Penalties No
Monthly & Annual Fees Unlikely
Processing Rates 0.35% - 4.99%
Equipment Leasing Yes

Variable Contract Terms

There is very little publicly available information regarding the standard Credit Card Processing Specialists contract at this time. The company advertises that it offers a contract that can be canceled anytime with 60 days’ notice and no cancellation fees. It’s likely that it also offers tiered pricing rather than interchange-plus pricing to most businesses. However, we cannot find any details at this time regarding any PCI compliance fees, monthly minimum fees, statement fees, or annual fees that the company may charge. This compares favorably to our list of best credit card processors.

No Contract Complaints

We also cannot locate any negative Credit Card Processing Specialists reviews related to their pricing at this time, which suggests that most of the company’s clients are satisfied with the rates and fees they pay. However, we have no reason to believe that the company’s pricing is competitive with the cheapest merchant accounts in the industry. If you have any specific knowledge about the standard Credit Card Processing Specialists merchant agreement, please share that information in the comment section below this review.

Credit Card Processing Specialists Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Item Result
Uses Independent Resellers Yes
Telemarketing Possible
Misleading Marketing Yes
Discloses All Important Terms No

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.

Our Credit Card Processing Specialists Review Summary

Our Final Thoughts

We are assigning a 3-star rating for Credit Card Processing Specialists at this time due to the fact that we cannot locate any concrete information about the company. The lack of Credit Card Processing Specialists complaints is a strong indicator that it is a quality provider, but the apparent secrecy surrounding its ownership, location, time in business, and processing relationships will need to be resolved before we can confidently assign an overall grade. For now, businesses are encouraged to compare the company’s pricing to that offered by top-rated credit card processors in order to obtain the best possible deal.

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Your Comments & Reviews

How Did Credit Card Processing Specialists Treat You?

1 Responses

  • Sadie Causey

    I sent a money order in the amount of $95.95 to the address being Global Processing, 2885 Sanford Avenue, Grandville, MI and found out this is a scam site. This will be reported to the property authorities..

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