Entrust Bankcard Merchant Services 2023: Reviews & Complaints

Entrust Bankcard Logo
3.3/5
full star idicating a 3.3 out of 5 star rating full star idicating a 3.3 out of 5 star rating full star idicating a 3.3 out of 5 star rating empty star indicating a 3.3 out of 5 star rating empty star indicating a 3.3 out of 5 star rating

How did they treat you? ▼

Company Overview

Entrust Bankcard is a Mesa, Arizona-based merchant account provider that was founded in 2006. The company offers both traditional and high-risk merchant accounts. According to the LinkedIn profile of former Entrust Bankcard CEO Nathan Reis:

Entrust Bankcard was sold to Aurora Payments, a large payments industry ISO in 2014. Entrust Bankcard was a two time Inc 500 | 5000 fastest growing private companies in the US. Sales operations began to wind down in May of 2012.”

This seems to suggest that the Entrust Bankcard brand was discontinued upon its acquisition by Aurora Payments, but the company's website is active and it has received public complaints within the last few years. Additionally, the company lists Bill Richardson as its current CEO. The change in leadership following its acquisition by Aurora Payments may indicate that it still operates as a DBA of that company. This review will treat the company as an active entity for now, despite some evidence that it has been rebranded and restructured multiple times.

Entrust Bankcard Payment Processing

Entrust Bankcard processes most major credit and debit cards for high-risk businesses. They particularly focus on retail and online businesses. Among their offerings are iProcess mobile processing, swipe-safe chargeback protection, an online payment gateway, a virtual terminal, e-commerce solutions with 24/7 support, MOTO payments, gift card and loyalty programs, and POS solutions.

Mobile Payments

The company offers mobile payment solutions that allow merchants to process payments using smartphones. This feature is designed to make transactions more convenient for both the merchant and the customer.

Point-of-Sale Solutions

Entrust Bankcard provides point-of-sale (POS) solutions that include wireless and online gateway payment services. These are tailored to meet the specific needs of small businesses.

High-Risk Merchant Accounts

The company also supports high-risk merchant accounts, including businesses in industries like credit repair, computer repair service, and telemarketing among others.

Additional Services

Entrust Bankcard offers services like electronic check conversion and online reporting. They also provide ATM/PIN debit card processing and high-risk merchant services.

Location & Ownership

Entrust Bankcard appears to share a large number of current or former employees with Allied Commercial Financial, MobiSquad, and Paradigm Direct, all of which are credit card processors based in the Phoenix, Arizona, area. Nathan Reis was the previous CEO of Entrust Bankcard, and was also listed as the current founder and CEO of a company called blueacorn.co. The website now mentions Bill Richardson as the current CEO. Entrust Bankcard is a registered ISO/MSP of Merrick Bank and of HSBC Bank, N.A., Buffalo, New York. The company is headquartered at 1255 W. Baseline Road, #D288, Mesa, AZ.

Entrust Bankcard payment processing
Entrust Bankcard offers standard payment processing services
Pros & Cons
Pros: Cons:
Supports high risk merchants Customer service complaints
Offers mobile payment solutions Unclear hidden fees
Provides POS and loyalty programs High early termination fees
Expensive leasing costs
Undisclosed PCI compliance fee
Persistent marketing calls

Entrust Bankcard Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints 50+
Live Customer Support Yes
Most Common Complaint Hidden Fees
Recent Lawsuits No

Moderate Complaint Total

We have found over 50 negative Entrust Bankcard reviews, many of which accuse the company of being a ripoff or a scam. Common themes among complaints include undisclosed fees, persistent sales calls, difficulty reaching a representative after signing the contract, exorbitant equipment lease costs, and poor customer service. This is a moderate-to-high complaint total for a company of Entrust Bankcard’s size, and the content of the reviews is very consistent from post to post. If you have your own Entrust Bankcard review to make, please do so below.

Entrust Bankcard Lawsuits and Fines

We have not found any outstanding class-action lawsuits or FTC complaints filed against Entrust Bankcard.

However, we did uncover evidence of a 2011 lawsuit brought against Entrust by what appears to be a client that previously had a contract with the company. The case seems to have centered around a contract, and the plaintiff won the case against Entrust and was awarded at least $5000.

Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Entrust Bankcard Customer Support Options

The company’s complaint rate declined rapidly after 2013, which supports the CEO’s assertion that sales operations wound down in May of 2012. Even if businesses are no longer being marketed to under the Entrust Bankcard name, it’s possible that some business owners are still dealing with Entrust due to the company’s long-term merchant agreements.

Entrust Bankcard Customer Service Number

  • (866) 855-6732 – Toll-Free General Customer Service

Other Support Options

  • Customer support form

This falls well short of our standard for the top merchant accounts for customer service.

Entrust Bankcard Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Reports 0

No BBB Complaints

Entrust Bankcard currently has no rating with the Better Business Bureau and is not BBB accredited, though it previously had an “A+” rating. The company has received 0 complaints in the past three years. It also has not received any informal reviews through the BBB, although it should be noted that these reviews are not subject to verification by the BBB.

An “A” Performance

In light of the company’s complaint total and resolution ratio, we see no reason to adjust the BBB’s former grade. However, we will caution merchants against blindly trusting the grades that the BBB assigns.

Entrust Bankcard Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties Yes
Monthly & Annual Fees Yes
Processing Rates 1.00% - 4.99%
Equipment Leasing Yes

Three-Year Contract

According to client complaints, the standard Entrust Bankcard contract is a three-year agreement with an early termination fee of $500, higher-than-expected tiered pricing, and a long-term, non-cancellable equipment lease through MBF Leasing. Clients also describe monthly and annual fees of varying amounts, but they do not specify the names given to these fees or the frequency with which they are charged.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Entrust BankCard also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. Though the company services high-risk businesses, which often includes offshore businesses, it appears that the company only provides these services to domestic clients, high-risk or otherwise. However, pricing is not disclosed on either of those services. Additional Entrust Bankcard rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.

Beware Equipment Leases

The most commonly cited Entrust Bankcard complaint is the use of equipment leases from MBF Leasing. These leases typically run for at least four years, cost thousands of dollars for equipment that can be bought for under $500, and cannot be canceled by clients. Many complainants state that the full lease terms were not disclosed upon account activation. There are also multiple complaints that claim that the Entrust Bankcard fee for early termination was never disclosed.

Consistently Poor Reports

Even without reliable information about the company’s PCI compliance fees, monthly minimum fees, or statement fees, we have found enough negative feedback about Entrust’s contract terms to assign it a “C” in this section. It certainly does not appear to be competitive with the cheapest merchant accounts available. If you have any specific knowledge of the standard Entrust Bankcard rates and contract, please share that information in the comment section below this review. We also encourage merchants to check out our list of the providers of the best merchant accounts.

Entrust Bankcard Rates
The advertised rates and fees for Entrust Bankcard.

Entrust Bankcard Employee Reviews & Sales Tacitcs

Should You Work For Them?

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

Outside Sales Team

Entrust Bankcard appears to primarily market its services through a combination of telemarketing and independently contracted sales agents. This practice is commonly linked to elevated complaint rates within the credit card processing industry, and Entrust Bankcard is no exception. We have found over 30 Entrust Bankcard reviews that mention hidden fees, aggressive sales calls, and outright lies from sales representatives. There is also an Entrust Bankcard complaint from a former employee that states that the company’s “sales pitch is a hit it and quit it and there is no relationship building after the contract is signed,” and that “[m]ost of the time, you won’t be able to save merchant any money.” This does not compare favorably to our list of best credit card processors.

A Clear Pattern

These Entrust Bankcard reviews about the company’s sales team are consistent with complaints that we have seen about Paradigm Direct, MobiSquad, and Allied Commercial Financial. In fact, many Entrust Bankcard reviews also mention these other companies as involved parties. This suggests that the company’s owners and executive leaders employ the same sales tactics across multiple brands. The consistency of the problems and the quantity of public grievances have combined to warrant a “D” rating in this category. If you suspect that you’re being charged undisclosed Entrust Bankcard fees, we recommend seeking a third-party statement audit.

Our Entrust Bankcard Review Summary

Our Final Thoughts

Entrust Bankcard rates as a run-of-the-mill credit card processing provider according to all available information. The company’s agents routinely appear to do a poor job of disclosing its contract terms, which are more expensive than industry averages. Entrust Bankcard may no longer be an active brand, so businesses are advised to diligently research any companies that may be operated by former Entrust Bankcard owners or employees before signing up for service and compare those companies with top-rated payment processors.

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Testimonials & Complaints

How Did Entrust Bankcard Treat You?

1 User Reviews

  • Jay Miller

    Archer Gallery

    Entrust is a scam operation. After being aggressively marketed & signed up, it took us a year and a lawsuit to unhook from the outrageously high monthly expenses & equipment lease.

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