ExpiTrans Overview

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A Reseller of Multiple Payment Processors

Formerly known as Occent Merchant Services, ExpiTrans is a merchant account provider based in Santa Margarita, California. The company’s integrated payment processing partners are TSYS, First Data, Global Payments, and Chase Paymentech. Founded in 2003, ExpiTrans is a registered ISO/MSP of Deutsche Bank AG, New York, and of Merrick Bank, South Jordan, Utah.

ExpiTrans Location and Ownership

ExpiTrans’s headquarters can be found at 22412 Gilberto Rancho, Santa Margarita, California 92688. Scott Vickers is the president and CEO of ExpiTrans.

ExpiTrans Review Table of Contents

  • Costs & Contract: ExpiTrans appears to offer variable contract terms through its various backend processors and payment gateways.
  • Complaints & Service: ExpiTrans has received fewer than 10 public complaints.
  • BBB Rating: ExpiTrans has a “B-” rating with the Better Business Bureau and has received 3 complaints and 5 reviews in the past 3 years.
  • Sales & Marketing: ExpiTrans appears to hire independent sales representatives but has received a few complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With ExpiTrans

ExpiTrans Statement Analyzer

Find hidden fees, pricing errors, and overcharges in your ExpiTrans merchant account statement. Not with ExpiTrans? That's ok, we can find excessive fees in any credit card processing statement. We've already found $1,156,834 in hidden fees this year! Submit a recent statement to try it out for free!

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Products & Services Offered

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce
  • Restaurant
  • Hospitality

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ExpiTrans Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-in Rate 1.00% - 4.99%
Virtual Terminal Rate 2.90% + $0.30
Payment Gateway Fee $25 Per Month
Batch Fee $0.10
Monthly Minimum Fee $40
Monthly Fee $160
Early Termination Fee $400
PCI Compliance Fee Undisclosed
Equipment Lease Terms Undisclosed

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 merchants 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 that advertises its virtual terminal and payment gateway services. The company advertises multiple partnerships with gateway providers including Authorize.Net, USAePay, and NMI, among others. However, pricing on either of those services is not disclosed. 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 merchants using these services through ExpiTrans. Additional rates and fees, including technical support fees, may apply to these e-commerce services.

Industry-Average Pricing

It is likely that these terms and fees will vary from merchant to merchant, 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.

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Response from ExpiTrans

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ExpiTrans Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

Low Complaint Total

There are only a handful of negative ExpiTrans reviews to be found online, a few of which accuses the company of being a scam and a ripoff. Some complaints were filed on WebHostingTalk.com, with one 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.

ExpiTrans Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against ExpiTrans. Dissatisfied merchants 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.

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Response from ExpiTrans

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ExpiTrans BBB Rating Summary

Key Points - BBB

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

Under 5 Complaints

ExpiTrans currently has a “B-” rating with the Better Business Bureau and is not accredited. The company is showing 3 complaints in the last 36 months. The 3 complaints related to billing or collection. Additionally all 3 complaints were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant.

What Merchants Say

ExpiTrans has also received 5 negative informal reviews to its BBB profile. The most recent review accuses the company of fraud:

CRIMINALS! If I could rate 0 stars, then I would. They lied the entire time I was setting up service with them, didn’t actually know what they were doing, and then charged me for services that I didn’t sign up for! Then I had one small chargeback, and they held the entire batch for that day in addition to bouncing the small charge back, so I am out money. And now they are saying they will not release the funds for 6 months! Liars and criminals. I went back to my old company, Global Banking, and have had no problems. Please don’t do what I did and get caught up in their scam!!!

Merchants 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 “B” Performance

In light of these figures, we agree with the BBB’s rating.

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Response from ExpiTrans

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers Yes
Advertises Deceptive Rates No
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 negative reviews that describe unethical or unprofessional conduct by the company’s sales team. One complaint (found in the comment section below) claims that the company intentionally leads merchants to believe that they are the merchants’ 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.

No Deceptive Quotes

As a point in its favor, ExpiTrans does not list misleading rate quotes in its official materials. However, it has received enough complaints about its sales team to 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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Response from ExpiTrans

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ExpiTrans Marketing Example

ExpiTrans Logo

Our Opinion of ExpiTrans

A Solid Option for Most Business Types

ExpiTrans rates as a dependable merchant services provider according to our rating standards. The company is showing a low number of complaints and does not appear to engage in deceptive advertising strategies. Our grade for ExpiTrans may change once more information is available regarding its standard contract. Merchants are encouraged to compare ExpiTrans’s pricing and services to those offered by top-rated merchant account providers in order to obtain the best deal possible.

We rely on your feedback about ExpiTrans to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

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

Why I'm Qualified to Write About Credit Card Processing

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 built this website to help small business owners research which service 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. I can help you save money with your current merchant account or help you find a new one. Message me here to get started.

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10 Reviews Leave Your Review for ExpiTrans Below

  1. Kostas Paloumbas / Oscar Aguilar says:

    I also wish to thank ExpiTrans for their superb technical support during the installation of our credit card processing service at Pancho’s Antojitos Mexicanos restaurant in NYC. I especially want to congratulate you on assembling a most expert tech support team which includes such pleasant and expert technicians like Johnathan S and Jackie F. Johnathan S. provided such timely and seasoned tech support that our new credit card processing system was installed and operational so seamlessly, efficiently and in a most timely manner.

    Johnathan S. was so efficient and patient during the installation that we felt like an ExpiTrans premier client. He efficiently stepped us through the entire implementation process and made sure we were operational in no time. It was so pleasant to work with someone as patient as Johnathan S. since we are not tech savvy about credit card processing. No one does it better than ExpiTrans.

  2. Cecilio Ballinas says:

    This review expresses my utmost gratitude and respect towards the delightful customer service staff and superior tech support staff at ExpiTrans. As a new client of ExpiTrans, I want to thank your customer service staff, Darlene L. and Jackie F., for such a delightful experience in implementing your services for our Pizza Chef restaurant in NYC. The customer service staff was so delightful to deal with and they were meticulous in tending to every detail to make our transition to ExpiTrans such a pleasant experience.

  3. Barbara Schmidt says:

    I have found the customer service at ExpiTrans to be above par. I have worked with Matt K., Danny G., Darlene L., and James W. and have been very happy with the support they have provided.

    When I call in with a question they respond quickly and are very helpful. I always receive an update on anything that is going on with my account.

    This experience is much different from other processor where you call in and the support team doesn’t even know who you are or you are transferred form one department to another.

    Very good and responsive personnel.

    1. Phillip says:

      Hi Barbara,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  4. Diana Dernehl says:

    CRIMINALS! If I could rate 0 stars, then I would. They lied the entire time I was setting up service with them, didn’t actually know what they were doing, and then charged me for services that I didn’t sign up for! Then I had one small chargeback, and they held the entire batch for that day in addition to bouncing the small charge back, so I am out money. And now they are saying they will not release the funds for 6 months! Liars and criminals. I went back to my old company, Global Banking, and have had no problems. Please don’t do what I did and get caught up in their scam!!!

    This post will help: How to Make Your Payment Processor Release Your Money


  5. bryan says:

    This company is a complete scam. I have no idea if they offer any legitimate services, but you better hope you never have a problem. They had me wait, assuring me they would refund the money they incorrectly charged, instead during that time they were making more fraudulent charges to my account, and of course never refunded anything. They are not even responding to my emails now. EXPITRANS IS A COMPLETE SCAM. EXPITRANS IS A RIPOFF. EXPITRANS SCAM SCAM SCAM EXPITRANS FRAUD

  6. Byron says:

    This SCAM company told me there would be no monthly fee. $166 was then pulled from my bank account. They have told me at least 20 times over the last 6 weeks that either I will be refunded or the refund is already processed or some variation. Still, I don’t have my money back. AS I’M WRITING THIS REVIEW, I SEE THAT THEY PULLED ANOTHER $160 FROM MY ACCOUNT. THIS IS AFTER I TOLD THEM TO DELETE ALL MY INFORMATION, AS I WOULD NEVER USE THEIR SERVICES.


  7. molly says:

    Agree with all the above. The will not stop sending statements for account maintenance…even though we cancelled their services over 2 years ago! ‘Had to block their withdrawals at the bank. I personally spoke to Scott Vickers (the owner) about this and he has done nothing. Annoying, poorly managed business.

  8. Brian says:

    This company does not have a 24 hour hotline and very little customer service. I’ve personally seen ill play happen at this “Company “. They lie to there employees and say they can get High Risk deals done. Which they can but only let there top guys reap the benefits. They lie to their employees and say they can get them appointments and they cannot at least not within a fashionable Timley manner. They have burned many bridges much more to come. Almost everything they say is a lie. I’ve seen companies lose thousands of dollars because they make promises they cannot keep

  9. Jason says:

    Expitrans is an Un organized, deceitful company. They bait and switch, they call companies saying that they are their current processor and don’t tell them till the very end. They have no tech support, no 24 hour customer service, or any customer service, they forge documents and make promises they can’t keep.

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