Datalink Bankcard Services Review

Datalink Bankcard Services Overview

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Established in 1989

Datalink Bankcard Services ( is a merchant account provider headquartered in Richardson, Texas. Founded in 1989, the company appears to act as a reseller of First Data and Merrick Bank’s merchant services. There is also some evidence that Datalink Bankcard does business under the names “Main Street Processing” and “Tier 1 Processing.” Datalink Bankcard Services 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.

Datalink Bankcard Services Location and Ownership

Steve Odom is listed as the CEO and president of Datalink Bankcard Services, 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 offers a three-year contract through Merrick Bank with an early termination fee of $250 or more.
  • Complaints & Service: Datalink Bankcard Services has received more than 15 public complaints.
  • BBB Rating: Datalink Bankcard Services has an “A+” rating with the Better Business Bureau and has received 10 complaints in the past three years.
  • Sales & Marketing: Datalink Bankcard Services appears to hire independently contracted sales agents and has received some serious complaints about its sales team.
  • Rates & Fees: How Merchants Got The Best Rates With Datalink Bankcard Services

Datalink Bankcard Services Statement Analyzer

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Products & Services Offered

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce

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Datalink Bankcard Services Rates, Fees, and Costs

Key Points

Swiped Rate Variable
Keyed-in Rate Variable
Early Termination Fee $250+
PCI Compliance Fee Variable
Equipment Lease Terms Variable

Three-Year Agreement

According to a copy of the Datalink merchant agreement (available below), the company offers a three-year agreement through Merrick Bank with automatic renewal for two years, an early termination fee of $250 or Liquidated Damages (whichever is greater), an undisclosed annual membership fee, and a $25 chargeback fee. The company may also charge PCI Compliance fees or monthly minimum fees that are not listed in this agreement.

Datalink Bankcard Contract Terms

Datalink receives a low score in this section because of its long-term contract with automatic renewal and its potentially very costly early termination fee. 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. Dantalink Bankcard’s terms are not competitive with the cheapest merchant accounts available. See the Datalink Bankcard Services Terms & Conditions.

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Response from Datalink Bankcard Services

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Datalink Bankcard Services Complaints & Customer Reviews

Key Points

Total Online Complaints 15+
Live Customer Support Yes
Most Common Complaint Sales Tactics

Low Complaint Volume

There are currently over 15 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.

Datalink Bankcard Customer Support

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 offers extensive customer service contact information on its website, including phone number, email addresses, and a contact form, but it does not currently rate as a top merchant account provider for customer service.

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Response from Datalink Bankcard Services

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Datalink Bankcard Services BBB Rating Summary

Key Points - BBB

Product & Service Complaints 3
Billing & Collection Complaints 3
Advertising & Sales Complaints 4
Guarantee & Warranty Complaints 0
Delivery Complaints 0

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.

10 BBB Complaints

Datalink Bankcard Services has been an accredited business of the Better Business Bureau since 2006 and currently has an “A+” rating despite 10 complaints filed within the last three years. Of these complaints, three were related to problems with the product or service, three had to do with billing or collection disputes, and four were due to advertising or sales issues. Five of these complaints were resolved with BBB assistance, while the remaining 5 either were resolved to the dissatisfaction of the merchant or did not receive a final response from Datalink Bankcard.

A Second BBB Profile

Datalink’s alternate business name of “Main Street Processing” also has a BBB page and is not currently BBB accredited with no rating assigned. Twelve of the company’s 15 complaints were due to advertising or sales issues, while the remaining three were due to billing or collection and problems with the product or service. Three were successfully resolved.

What Merchants Say

One merchant describes frustration with aggressive telemarketing practices:

Repeated contact from aggressive sales rep who falsely claim account authority. Repeatedly asked to be placed on “do not call list” without compliance Repeated unsolicited calls from sales representatives who berate call recipients demanding CC processing account info. Caller falsely claims to provide CC processing services to our company even when we tell them we are not interested in their business. False claims of authority over our merchant processing accounts are made and information is demanded throughout the call. When contacted directly Datalink accepts zero responsibility for call representatives and even worse, claims they are unaware of who is making such calls on their behalf. These practices seem elusive, deceitful and fraudulent. Our concerns of theft or fraud as a small company are amplified specifically with the aggressive nature of these calls and the type of information demanded. This has been ongoing for months. (undocumented but my best memory of the timeframe)

Merchants stuck in similar situations would benefit from knowing how to shut down sales calls.

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.

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Response from Datalink Bankcard Services

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Truth In Marketing & Advertising

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 complaints from former employees, who outline an unethical sales policy that intentionally misleads customers over the phone. According to these 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 report 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.”

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 merchant 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 that Datalink Bankcard is charging you undisclosed fees, we recommend seeking an independent statement audit to find and eliminate hidden charges.

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Response from Datalink Bankcard Services

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Datalink Bankcard Services Logo

Our Opinion of Datalink Bankcard Services

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.

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Thank you for reading my review. I hope that it has helped you with your research.

My Qualifications

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so decided to build this website to help you research which providers to use and how to save money on rates and fees. I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers here. Simply scroll to the top of the page to find the search bar. You can also message me if you need any guidance.

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4 Reviews Leave Your Review for Datalink Bankcard Services Below

  1. Beverly Vasterling says:

    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


  2. Barbara says:

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

  3. Eva Cooper says:

    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!!!

  4. Eric McNamee says:

    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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