ExpiTrans Credit Card Processing 2023: Reviews & Complaints
Formerly known as Occent Merchant Services, ExpiTrans is a merchant account provider based in Santa Margarita, California and founded in 2003. The company’s integrated payment processing partners are TSYS, First Data, Global Payments, and Chase Merchant Services.
Before we dive in, here’s a short summary of what we’ll cover:
- ExpiTrans’ various payment processing services.
- ExpiTrans has received a number of serious complaints, including recently.
- The company has also received a number of positive reviews.
- There is little information about the ExpiTrans contract.
ExpiTrans Payment Processing
ExpiTrans processes all major debit and credit cards for most business types. Their services include POS solutions, EMV card readers and swipers, mobile processing, e-commerce options, a card vault, ACH processing, and loyalty programs.
Point of Sale Solutions
ExpiTrans has Point of Sale (POS) solutions that allow businesses to process payments at physical locations. This includes the integration of hardware and software to facilitate smooth and efficient transactions.
For businesses that operate online, ExpiTrans offers e-commerce payment gateways. These solutions enable secure online transactions and can be customized to fit the specific needs of the merchant’s online store.
Mobile Payment Solutions
ExpiTrans recognizes the need for mobility in payment processing and offers mobile payment solutions. Merchants can accept payments through smartphones and tablets, providing flexibility in payment acceptance.
Location & Ownership
ExpiTrans is a registered ISO/MSP of Avidia Bank, Hudson MA; Wells Fargo Bank, N.A., Walnut Creek, CA; Merrick Bank, South Jordan, UT; and Mission Valley Bank, Sun Valley, CA. ExpiTrans’s headquarters can be found at 22412 Gilberto Rancho #B, Santa Margarita, California. Scott Vickers is the president and CEO of ExpiTrans.
Table of Contents
ExpiTrans Customer Reviews
Here's What Their Clients Say
|Total Online Complaints||<10|
|Live Customer Support||Yes|
|Most Common Complaint||N/A|
Low Complaint Total
There are fewer than 10 negative ExpiTrans reviews to be found online, a few of which accuse the company of being a scam and a ripoff. Some complaints were filed on WebHostingTalk.com, with one ExpiTrans complaint posted originally in 2006 and another posted in 2013. The 2006 complaint and its ensuing comment thread cite poor customer service and delayed payouts from ExpiTrans, while the 2013 complaint was filed regarding problems with an international processing account created by an independent agent of ExpiTrans. An ExpiTrans representative has informed us that neither complainant was a direct merchant of ExpiTrans. In the comment section below this review and on other websites, further complaints describe a chaotic work environment at the company, deceptive sales tactics, billing errors, and poor customer service. If you have your own ExpiTrans review to make, please do so in the comments.
ExpiTrans Lawsuits and Fines
We have not found any outstanding class-action lawsuits or FTC complaints filed against ExpiTrans. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
ExpiTrans Customer Support Options
ExpiTrans offers live chat and a very limited help center on its website. These options do not meet our expectations of the top-rated payment processors for great customer service, but ExpiTrans appears to have avoided the high complaint rate we would predict.
ExpiTrans Customer Service Number
- (888) 270-3642 – Toll-Free Customer Support
Other Support Options
- Customer support form
- Customer service email address at [email protected]
ExpiTrans Online Ratings
Here's How They Rate Online
Online Ratings Summary
Under 5 Complaints
ExpiTrans currently has a “D-” rating with the Better Business Bureau and is not accredited. The company is showing 2 complaints in the last 36 months. 1 of the complaints was resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant. The other complaint was resolved to the satisfaction of the client.
What Merchants Say
ExpiTrans has also received 9 informal reviews to its BBB profile, all negative in tone. The most recent negative review accuses the company of fraud:
This company are thieves. They will rob merchants of every last ***** by charging outrageous hidden fees, and holding funds. They are the worst payments company I’ve worked with in 8 years in this industry. They are also deceitful to their agents. So if you’re looking for a partner don’t choose them!
Businesses in a situation similar to this should research how to effectively dispute chargebacks on their account that they deem to be erroneous or unauthorized.
A “C” Performance
In light of these figures, we have modified the BBB’s rating to a “C”.
ExpiTrans Fees, Rates & Costs
A Closer Look at The Contract
|Monthly & Annual Fees||Yes|
|Processing Rates||1.00% - 4.99%|
Variable Contract Terms
There isn’t much information available about the standard ExpiTrans contract at this time. The company is partnered with four separate backend processors, and businesses have reported varying details about its contract terms. Some of these details include a three-year agreement with a $400 early termination fee, a $40 monthly minimum fee, and an unidentified $160 monthly fee.
Virtual Terminal and Payment Gateway Pricing
In addition to its storefront payment processing services, ExpiTrans also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. The company advertises multiple partnerships with gateway providers including Authorize.Net, Cayan, USAePay, and NMI, among others. However, pricing is not disclosed on either of those services. However, Authorize.Net advertises a transaction rate of 2.90% plus $0.30 as well as a gateway fee of $25 per month and a batch fee of $0.10, all of which may apply to clients using these services through ExpiTrans. Additional rates and fees, including technical support fees, may apply to these e-commerce services.
It is likely that these terms and fees will vary from client to client, but the available evidence suggests that ExpiTrans’s pricing does not compete with the cheapest merchant accounts. If you have any specific knowledge regarding the standard ExpiTrans merchant agreement (including any early termination fees, PCI compliance fees, monthly minimum fees, or other costs), please share that information in the comment section of this review.
We also encourage readers to check out our list of the providers of the best merchant accounts.
ExpiTrans Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Uses Independent Resellers||Yes|
|Discloses All Important Terms||No|
Outside Sales Team
ExpiTrans appears to market itself primarily through sub-ISOs, independent sales agents, and referral partners. As a general rule, the use of independent sales agents is commonly linked to elevated complaint rates in the credit card processing industry. We have found a few ExpiTrans reviews that describe unethical or unprofessional conduct by the company’s sales team. According to one ExpiTrans complaint (found in the comment section below), the company intentionally leads businesses to believe that they are the business’ current processor and that sales reps forge documents. While this is an extremely serious accusation, it is the only one of its kind and appears to be an outlier. In general, this compares favorably to our list of best credit card processors.
No Deceptive Quotes
As a point in its favor, ExpiTrans does not list misleading rate quotes in its official materials. However, ExpiTrans complaints about its sales team lower its rating to a “B” in this section. If you suspect that an ExpiTrans representative misrepresented your pricing, you can double-check them with a third-party statement audit.
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