Datalink Bankcard Services Review: Fees, Complaints & Lawsuits

Datalink Bankcard Services
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Datalink Bankcard Services

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PhonePhone(800) 694-7999 View Pricing

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Established in 1989

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.

Datalink Bankcard Services Company 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.

Datalink Bankcard Services Review Table of Contents

  • Costs & Contract: Datalink Bankcard Services Company offers a three-year contract through Merrick Bank with an early termination fee of $250 or more.
  • Complaints & Service: Datalink Bankcard Services Company complaints number more than 5 on public complaints forums.
  • BBB Rating: Datalink Bankcard Services Company has an “A+” rating and has received 2 complaints and 4 reviews in the past 3 years across 2 different profiles. The company’s main profile has been accredited by the Better Business Bureau since 2006.
  • Sales & Marketing: Datalink Bankcard Services Company appears to hire independently contracted sales agents and has received some serious complaints about its sales team.
Datalink Bankcard Services Company point of sale

Datalink offers POS solutions among other services

Should You Trust Datalink Bankcard Services?

Lawsuits, Reviews & Complaints

Here's Who We Trust.

Complaint Summary

Total Online Complaints
20+
Live Customer Support
Yes
Most Common Complaint
Sales Tactics

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 complaints 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 Service 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.

We have located multiple Datalink Bankcard customer service numbers:

(800) 694-7999 – Toll-Free General Customer Service
(214) 342-9797 – Fax

Datalink Bankcard also offers a customer service email at info@datalinkonline.net

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.

Is the BBB Rating for Datalink Bankcard Services Accurate?

Better Business Bureau Profile

See Which Processors Offer No Monthly Fees And No Contracts.

BBB Summary

Total Complaints
2
Resolved Complaints
2

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. 2 complaints were filed across the profiles within the last 36 months. Both complaints were resolved to the satisfaction of the merchant.

What Merchants Say

In addition to the 2 complaints posted to Datalink Bankcard’s two separate BBB profiles, the company has also received 4 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 merchant alleging conduct that is emblematic of slamming tactics:

I had a 2 year merchant agreement and fulfilled this contracted time. After my 2 year period was up I began looking for a less expensive processor and made the switch. Once the new account was setup I was told to notify Datalink that I had switched to a new processor. I used Datalink’s own suggested form format and sent an email and a fax (I have copies of both) stating that I was cancelling my account and did not want any further charges deducted from my account. I contacted Datalink after more fees were deducted and was told I had to complete one of their cancellation forms and sent it back to them, which I did. The lady I spoke with told me that there would be a $250 early cancellation fee because my account auto-renewed – which I was not aware of. Now this month I received another fee deducted from my account. My bank advised that the best way to stop the charges was to close my account and open a new one.

Merchants 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.

How Expensive is Datalink Bankcard Services Service?

Rates, Fees, and Contract Terms

Don't Fall Into An Expensive Trap. See Who The Worst Processors Are.

Cost Summary

Swiped Rate
2.50% + $0.20
Keyed-in Rate
3.50% + $0.20
Virtual Terminal Rate
1.89% + $0.23 - 2.90% + $0.30
Payment Gateway Fee
None
Payeezy Pro Plan Fee
$19.95 Per Month
Early Termination Fee
$250+
PCI Compliance Fee
Undisclosed
Equipment Lease Terms
48 Month (locked)

Three-Year Agreement

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 merchant’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 merchant complaints about Datalink mention its termination fees and claim that sales agents verbally promised that there would be no such fees. For this reason, merchants 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 merchants to check out our list of the providers of the best merchant accounts.

Datalink Bankcard Services Company payment gateway

Datalink Bankcard Services Company offers access to multiple payment gateways, including eMerchant

Does Datalink Bankcard Services Use Deceptive Marketing?

Advertising & Sales Strategy

Audit Your Current Statement To Find Its Hidden Fees

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Key Points

Employs Independent Resellers
Yes
Advertises Deceptive Rates
No
Discloses All Important Terms
No

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 merchants that they can save money on their credit card processing because of “the Durbin Amendment,” which is a ploy to get merchants 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 merchant’s current processor, a practice known as “slamming.” Merchants 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.

Merchant Sales Complaints

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.

Does Datalink Bankcard Services Deserve Your Business?

Review Summary & Our Thoughts

An Average Option

Datalink rates as an average merchant services provider according to our rating system. The credit card processor has received a moderate complaint volume related to its sales practices and contract terms, and the details of its contract suggest that its service can be more expensive than industry averages. Datalink can improve its overall rating by removing the liquidated damages clause from its contract terms and by altering its apparent sales tactics. For now, merchants are advised to compare the company’s pricing to the top overall providers to get the best deal.

Customer & Employee Reviews

What Others Are Saying About Datalink Bankcard Services

6 Responses

  • Mack Hendrick

    I am a local rep for a reputable ISO. Today a Data-Link rep, Sasha called one of my customers and did a total Slamming job. She first falsely identified herself as being an agent for my company. Then when the merchant said that they already had a rep, Sasha said that she couldn’t remember that guy’s name, but he is no longer with the company. She went on to say that the deal she had was terrible and that the hardware was bad and that it needed to be replaced. She was so persuasive that the merchant signed up. Afterward the merchant started thinking and called me to check on this. She then realized how badly she had been scammed. The merchant has now called and spoken with the sales manager and he agreed to cancel everything. The merchant then followed up with an email to the company to verify the conversation and the agreement to cancel. I was a witness to the call and the email. Now we will wait to see if they really cancelled or if they will come back with more lies.
    This seems to be a regular sales technique with this company which is partly responsible for the terrible reputation of the industry. Let me guarantee that if this happened in my company that Sasha would be fired immediately, even if she was the top producer in the company.

    [Last sentence redacted due to self-promotion which is not allowed]

  • Nancy Erwin

    Every time I turn around they are charging a fee for this and for that. It’s like they sit around and just think up things to charge for, like pci compliance fee. I don’t even take credit cards on-line but yet I’m charged for it every three months and still have to go through the test, or another fee monthly until you do.


    This post will help: Best Merchant Accounts for Lodging

    -Phillip

  • Beverly Vasterling

    This is the absolute worst company I’ve ever had to deal with. I have been since last Thursday trying to close it down and find out the address to where I can ship these worthless machines back to them. My boss had to OK that I could talk with them and still can’t get them to close this account. I’ve already changed over to a much better company. Every time I’ve had to call I never could hear them. So when I asked nicely for them to repeat? They became a little irritated. Every single time. You need more training on customer service.


    This post will help: Cancelling a Merchant Account Without Paying a Fee

    -Phillip

  • Barbara

    Still being billed for services, have not used in over 2 years. Non compliance fee, and $3.00 fee for whatever. MC located fee.

  • Eva Cooper

    I had dealt with company over 15 years! Recently had some issues with service. Decided to cancel the service mid MARCH this year. After 2weeks of phone calls I was told it had been canceled and no further fees would be charged. This was end if March. I was charged the monthly fee early April. Figured that one would happen. Got bank statement today, May 16, discover I was charged the monthly fee for April AaND THE QUARTERLY “PORTAL FEE”! Call and get multiple excuses, againwent to my bank and file dispute charges! It’s not a large amount, ITS THE PRINCIPAL!!!

  • Eric McNamee

    There is a company called Tier 1 Processing that is affiliated with Datalink. I came across them before and now some of my merchants are being contacted using the sales pitch that they are affiliated with my company, which obviously they are not. The phone number they are using is 855-455-6851 and their fax is 855-792-7161. They’ve called a couple of clients of mine multiple times and each time it’s a different representative. From your reviews I think contacting Tier 1 and posting a review about them would be advantageous to merchants who are unaware of these weak ploys to scam merchants into a new contract with expensive leases.

    Also Tier 1’s website is conveniently down all the time.

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Phillip Parker
Credit Card Processors
2 min read
6 Comments
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