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Datalink Bankcard Services Company is a merchant account provider headquartered in Richardson, Texas. Founded in 1989, the company appears to act as a reseller of First Data (Fiserv) and Merrick Bank’s merchant. There is also some evidence that Datalink Bankcard does business under the names “Main Street Processing” and “Tier 1 Processing.” Datalink Bankcard Services Company should not be confused with another company by the name of “Datalink,” which appears to deal with data transfer and storage and is unrelated to the company described in this review. The company also partners with Clover to offer merchants POS solutions.
Datalink Bankcard Services Company Payment Processing
Datalink Bankcard Services Company processes all major debit and credit cards for most business types. Their services are extensive and include AMEX processing, cash advances, check services, point-of-sale and mobile solutions from Clover, e-commerce solutions, the eMerchant payment gateway, EMV processing, encryption and tokenization, gift and loyalty solutions, NFC payment options, PCI compliance, and card swipers.
Point of Sale (POS) Systems
Datalink Bankcard Services Company provides POS systems that enable businesses to manage their sales, inventory, and payment processing. The POS systems come with features such as inventory management, employee management, and customer management. Additionally, the platform offers POS systems that can be customized to meet the specific needs of a business.
Datalink Bankcard Services Company provides businesses with a virtual terminal that allows them to accept payments from anywhere. The virtual terminal can be accessed through any web-enabled device, making it easy for businesses to process payments on the go. The virtual terminal also comes with features such as recurring payments and electronic invoicing.
Mobile Payment Solutions
Datalink Bankcard Services Company offers mobile payment solutions that enable businesses to accept payments through smartphones and tablets. The platform supports both iOS and Android devices, and it provides users with a mobile app that allows them to manage their transactions on the go.
Datalink Bankcard Services Company provides e-commerce solutions that enable businesses to sell products and services online. The platform supports various e-commerce platforms, including Shopify, WooCommerce, and Magento. Additionally, it provides users with a virtual terminal that allows them to accept payments over the phone or through email.
Location & Ownership
Steve Odom is listed as the CEO and president of Datalink Bankcard Services Company, which is a registered ISO/MSP of Merrick Bank, South Jordan, Utah; and Wells Fargo Bank, N.A., Concord, California. The payment processor is headquartered at 3505 Token Drive, Richardson, Texas 75082.
Table of Contents
- Costs & Contract: Offers a three-year contract through Merrick Bank with…
- Complaints & Service: Complaints number more than 5 on…
- BBB Rating: Has an “A+” rating and has received 3 complaints and 5 reviews in the past 3 years across 2 different profiles. The company’s main profile has…
- Sales & Marketing: Appears to hire independently contracted sales agents and has…
Datalink Bankcard Services Customer Complaints & Reviews
Here's What Users Think
Total Online Complaints
Live Customer Support
Most Common Complaint
Low Complaint Volume
There are currently over 20 negative Datalink Bankcard reviews online, some of which describe the company as a scam or a ripoff. Common themes among complainants include deceptive sales tactics, unprofessional hiring policies, account holds, nondisclosure of termination fees, misleading rate quotes, and unhelpful customer support. A handful of Datalink Bankcard reviews online against the company appear to be the result of a personal agenda and are therefore without merit, but these have been discounted for the purposes of this review. A company representative has responded to the apparently false allegations made against the company, but there are no instances outside of the BBB in which legitimately frustrated merchants received a public response from Datalink. If you have your own Datalink Bankcard review to make, please do so below.
Datalink Bankcard Lawsuits and Fines
We have not found any outstanding class-action lawsuits or FTC complaints filed against Datalink Bank Card. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
Datalink Bankcard Customer Support Options
Datalink offers extensive customer service contact information on its website, including a phone number, email addresses, and a contact form, but it does not currently rate as a top merchant account provider for customer service.
Datalink Bankcard Customer Service Numbers
- (800) 694-7999 – Toll-Free General Customer Service
- (214) 342-9797 – Fax
Other Support Options
- Customer service email at [email protected]
Although the content of some of these Datalink Bankcard complaints is troubling, the overall complaint volume does not justify a grade lower than “C” at this time.
Datalink Bankcard Services Reviews Online
Our Better Business Bureau Profile Assessment
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 BBB Complaints
Datalink Bankcard Services has been an accredited business of the Better Business Bureau since 2006 and currently has an “A+” rating. Datalink’s alternate business name of “Main Street Processing” also has a BBB page and is not currently BBB accredited with an “A+” rating. 3 complaints were filed across the profiles within the last 36 months.
What Clients Say
In addition to the 3 complaints posted to Datalink Bankcard’s two separate BBB profiles, the company has also received 5 informal reviews between them. 2 of the current reviews are positive in tone and the remaining 3 are negative. A recent negative review was left by a client alleging conduct that is emblematic of slamming tactics:
This company uses fraudulent means to capture your business and they do not provide sufficient means to “read” the agreement before signing.
Businesses stuck in similar situations could benefit from understanding how to cancel a merchant account without paying a fee.
A “C” Performance
Overall, by combining the two BBB reports, we have come to an adjusted BBB grade of “C” for the purposes of this review.
Datalink Bankcard Services Fees and Rates
A Closer Look at the Contract
Monthly & Annual Fees
1.89% - 3.50%+
According to a copy of the Datalink Bankcard Services Company merchant agreement, the company offers a 3-year agreement through Merrick Bank Merchant Services with automatic renewal for two years. Typical Datalink Bankcard rates under those contracts are 2.50% plus $0.20 per transaction and a keyed-in rate of 3.50% plus $0.20. The Datalink Bankcard Services Company contract also includes an early termination fee of datalinkonline.net or Liquidated Damages (whichever is greater), an undisclosed annual membership fee, a $25 chargeback fee, and a 48-month non-cancellable equipment lease. The company may also charge PCI Compliance fees or monthly minimum fees that are not listed in this agreement.
Virtual Terminal and Payment Gateway Pricing
In addition to its storefront payment processing services, Datalink Bankcard Services Company also dedicates a portion of its website to advertising its virtual terminal and payment gateway services through Payeezy, powered by First Data (Fiserv). Payeezy offers 2 separate plans, the Basic Plan and Pro Plan. Neither plan charges setup fees, statement fees, or gateway fees. The Basic Plan charges a rate of 2.90% plus $0.30. Meanwhile, the Pro Plan offers a lower rate of 1.89% plus $0.23 and a monthly fee of $19.95.
Datalink Bankcard Contract Complaints
Datalink receives a low score in this section because of its long-term contract with automatic renewal and its potentially very costly Datalink Bankcard fee for early termination. This fee is calculated by multiplying the client’s monthly cost by the number of months remaining in the contract, and it can easily exceed the $250 minimum that will be charged upon termination. A number of business complaints about Datalink mention its termination fees and claim that sales agents verbally promised that there would be no such fees. For this reason, clients should be sure to check the actual language of the contract despite what a sales agent claims. Datalink Bankcard’s terms are not competitive with the cheapest merchant accounts available.
We also encourage businesses to check out our list of the providers of the best merchant accounts.
Datalink Bankcard Services Jobs and Employment
Hiring Standards and Ethical Marketing Assessment
Uses Independent Resellers
Discloses All Important Terms
Telemarketing and Outside Agents
Datalink Bankcard appears to utilize telemarketing and independently contracted sales agents to market its services. This “hiring mill” practice is described in two different online Datalink Bankcard reviews from former employees, who outline an unethical sales policy that intentionally misleads customers over the phone. According to these Datalink Bankcard complaints, it seems that Datalink representatives (sometimes using the name “Main Street Processing”) are trained to inform business owners that they can save money on their credit card processing because of “the Durbin Amendment,” which is a ploy to get businesses to fax over their current statements for review. There is also a Datalink Bankcard review stating that Datalink representatives are encouraged to pose as a business’ current processor, a practice known as “slamming.” Businesses should be aware that the Durbin Amendment does not require them to switch their providers or change their service, and all business owners should be wary of calls claiming only to be “with Visa” or “your processor.” This practice by Datalink does not compare favorably to our list of best credit card processors.
Although there are only a handful of these specific claims from former employees, they are corroborated by a moderate number of publicly available Datalink Bankcard reviews that accuse the company’s sales agents of misrepresenting contract terms or failing to disclose the complete costs associated with its service. To its credit, Datalink does not appear to engage in deceptive advertising strategies in its official materials, but the detailed complaints about misleading sales practices raise enough concerns at this time to lower the company’s rating to a “D.” If you suspect you are being charged undisclosed Datalink Bankcard fees, we recommend seeking an independent statement audit to find and eliminate hidden charges.