ExpiTrans Reviews & Complaints

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How did they treat you? ▼

Pros & Cons
Pros: Cons:
Competitive rates Limited global reach
Fast proessing Occasional downtime
Reliable security Complex fee structure
User-friendly interface Delayed fund access
Diverse payment solutions Stringent approval proecss
Good customer support Inadequate small business support


In this article of ExpiTrans, a merchant account provider known for its versatile payment processing solutions, we will provide a detailed overview of their services. We'll cover their extensive range of options, including POS solutions, mobile and e-commerce payment options, as well as their rates, fees, and contract terms. We'll also examine common complaints and industry ratings to give you a balanced perspective on ExpiTrans in the competitive payment processing market.

We'll look at ExpiTrans' employee reviews and marketing tactics, giving potential clients and employees a clearer understanding of the company’s work environment and business practices. Additionally, we'll highlight user reviews and customer feedback, pointing out both strengths and areas of concern in ExpiTrans' services.

Our analysis includes a review of ExpiTrans' legal history, examining any lawsuits or fines that might affect their reputation. We'll evaluate their customer support options and online ratings to provide you with essential information about their reliability and responsiveness.

Finally, we'll break down ExpiTrans' fees, rates, and costs to offer a transparent view of their financial dealings. This article aims to equip you with all the necessary information to decide if ExpiTrans is the right payment processing partner for your business needs.

About ExpiTrans

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.

ExpiTrans Products and Services

Payment Processing

ExpiTrans handles payment processing for all major debit and credit cards, serving a wide range of business types. Their services include POS systems, EMV card readers and swipers, mobile payment solutions, e-commerce options, a card vault, ACH processing, and loyalty programs.

Point of Sale Solutions

ExpiTrans provides Point of Sale (POS) systems that integrate hardware and software to facilitate efficient payment processing at physical locations. These systems help businesses manage transactions smoothly.

E-Commerce Solutions

For online businesses, ExpiTrans offers e-commerce payment gateways designed to enable secure transactions. These solutions can be customized to meet the specific needs of an online store, ensuring a secure and efficient checkout process.

Mobile Payment Solutions

ExpiTrans offers mobile payment solutions to accommodate the need for payment processing on the go. With these solutions, merchants can accept payments via smartphones and tablets, offering flexibility and convenience in payment acceptance.

ExpiTrans Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A
Recent Lawsuits No

Low Complaint Total

There are fewer than 10 negative ExpiTrans reviews found online, some of which accuse the company of being a scam and a ripoff. Complaints on WebHostingTalk.com include one from 2006 citing poor customer service and delayed payouts and another from 2013 about issues with an international processing account set up by an independent agent of ExpiTrans. An ExpiTrans representative clarified that neither complainant was a direct merchant of ExpiTrans. Additional complaints describe a chaotic work environment, deceptive sales tactics, billing errors, and subpar customer service. If you have your own review of ExpiTrans to share, please feel free to do so in the comments.

ExpiTrans Lawsuits and Fines

No outstanding class-action lawsuits or FTC complaints have been found against ExpiTrans. Dissatisfied clients seeking non-litigious solutions against the company should consider reporting it to the relevant supervisory organizations.

ExpiTrans Customer Support Options

ExpiTrans offers live chat and a limited help center on its website. While these options do not meet the expectations of the top-rated payment processors for excellent customer service, ExpiTrans has managed to avoid a high complaint rate.

ExpiTrans Customer Service Number

  • (888) 270-3642 – Toll-Free Customer Support

Other Support Options

ExpiTrans Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Reports 11

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

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

Variable Contract Terms

Details regarding the standard ExpiTrans contract are currently scarce. The company is affiliated with four distinct backend processors, resulting in varying reported contract terms. Some reported details include a three-year agreement, a $400 early termination fee, a $40 monthly minimum fee, and an undisclosed $160 monthly fee.

Virtual Terminal and Payment Gateway Pricing

Besides its in-store payment processing services, ExpiTrans showcases its virtual terminal and payment gateway services on its website. The company highlights partnerships with various gateway providers like Authorize.Net, Cayan, USAePay, and NMI. However, pricing details for these services are not disclosed. Nevertheless, Authorize.Net lists a transaction rate of 2.90% plus $0.30, a $25 monthly gateway fee, and a $0.10 batch fee, which may apply to ExpiTrans clients using these services. Additional rates and fees, including technical support fees, may also be applicable to these e-commerce services.

Industry-Average Pricing

While terms and fees may vary depending on the client, available evidence indicates that ExpiTrans’s pricing is generally in line with industry averages rather than competing with the cheapest merchant accounts. If you possess specific knowledge regarding the standard ExpiTrans merchant agreement, including early termination fees, PCI compliance fees, monthly minimum fees, or other costs, please share that information in the comments section of this review.

We also encourage readers to explore our list of the best merchant accounts.

ExpiTrans Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers Yes
Telemarketing Likely
Misleading Marketing 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 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.

Our ExpiTrans Review Summary

Our Final Thoughts

ExpiTrans, known previously as Occent Merchant Services and partnered with major processors like TSYS and First Data, provides a robust range of payment processing solutions from POS systems to e-commerce gateways. Despite this variety, the company faces critiques over its pricing structure, which tends to sit above the industry average, potentially deterring cost-conscious businesses. On the flip side, the relatively low volume of complaints suggests a level of service competence that meets the needs of many customers, showcasing a degree of reliability in their offerings.

Support services at ExpiTrans are primarily underpinned by the infrastructures of their large backend processors like First Data, which ensures a standardized level of customer service that benefits from extensive resources and experience. However, this arrangement might not always translate to personalized assistance for specific needs related to ExpiTrans’s unique services. Prospective clients are encouraged to meticulously review contract terms and compare them with those from leading providers in the industry, paying special attention not only to costs but also to the flexibility of terms and the quality of support, to make a well-informed decision about their merchant services partner.

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.

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Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did ExpiTrans Treat You?

16 User Reviews

  • Simon Menkes CPA

    Sespe Suds LLC

    Following my review of 10/25/22, Expitrans responded to my concerns, an a mutual dialogue took place. This resulted in ExpiTrans and Sespe Suds reaching a mutual agreement that both sides feelis fair and satisfactory. I and Sespe Suds appreciate Expitrans’s willingness to respond to our concerns and to resolve matters. –Simon Menkes

  • Simon Menkes CPA

    Sespe Suds LLC

    I apologize for creating 2 comments, but it’s important to note that my client, Sespe Suds, does not have significant chargebacks, so there was no legitimate reason that Expitrans withheld the ETF’s they did. (Please feel free to combine this with my prior comment.)

  • Simon Menkes CPA

    Sespe Suds LLC

    I am a CPA for a company that has been victimized by Expitrans, and after numerous phone calls as well as sending emails to their customer service department, Director of Risk Management, and Director of Operations, and getting virtually no response, I have today filed with the FTC and the California Attorney General. Over a period of eight days, Expitrans continued to process my client’s credit cards but stopped sending them their money, ending up withholding $38,261.36. My client was never given an explanation and stopped processing with them. Nine months later, Expitrans returned to them $19,725.19, keeping $18,536.17 as Early Termination Fees. I would strongly suggest you look elsewhere for a company to do business with.

  • Michael Charls

    North Country Processing LLC

    I have had Expitrans on board for our office since 2020 initially for high risk accounts. We have used them for traditional accounts since then. At least with our office we are in control of what we do with contracts and pricing. I cannot speak for the rest of the independent agents but we’re happy and we do not have issues with customers being messed with.

  • Kostas Paloumbas / Oscar Aguilar

    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.

  • Cecilio Ballinas

    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.

  • Barbara Schmidt

    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.

  • Diana Dernehl

    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


  • bryan

    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

  • Byron

    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.


  • molly

    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.

  • Brian

    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

  • Jason

    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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