Should You Trust EXS for Payment Processing?

EXS Electronic Exchange Systems is a merchant account provider headquartered in Newport Beach, California. The company was sold to Total Merchant Services but continues to operate as a separate brand. EXS is an ISO of Global Payments. EXS also goes by the name of Universal Business Systems and PayPro Processing. Founded in 1997, the credit card processor appears to own a number of websites, and a couple use different business names to target different industries. Some of EXS Electronic Exchange Systems’s web addresses are listed below:

• • timesharesmerchantaccount.com

• • utakecreditcards.com

• • payproprocessing.com

Payment Processing

Electronic Exchange Systems (EXS) handles the processing of all major debit and credit cards for a variety of business types.

EMV Card Readers and Swipers

EXS provides EMV card readers and swipers to ensure secure, chip-based transactions for businesses. These devices help reduce fraud and comply with industry standards for card-present payments. The options range from standalone units to integrated devices that can work with existing POS systems.

POS Solutions

EXS offers point-of-sale (POS) solutions that cater to businesses of various sizes. These systems are designed to streamline the checkout process, manage inventory, and integrate with other services such as payment processing and customer management.

MOTO Services

For businesses that handle payments over the phone or by mail, EXS provides Mail Order/Telephone Order (MOTO) services. These services allow merchants to securely process card-not-present transactions.

e-Commerce Solutions

EXS e-commerce solutions support online businesses by offering secure payment gateways for website transactions.

Check and e-Check Processing

To accommodate customers who prefer traditional payment methods, EXS offers check and e-check processing services. These options provide an electronic way to process paper checks or direct bank payments.

Cash Advances

EXS provides cash advance services for businesses in need of quick access to capital. These advances are based on future sales, allowing businesses to receive funds upfront.

Gift and Loyalty Programs

EXS offers gift and loyalty programs that enable businesses to engage with customers by offering branded gift cards and loyalty incentives.

EBT Processing

For merchants who need to accept Electronic Benefit Transfer (EBT) payments, EXS provides processing services that facilitate these transactions.

Range of Account Types

EXS Processing supports a wide range of business types, including mail order, telephone order, retail, and internet accounts. This indicates that they offer customized solutions tailored to the specific needs of different sales environments.

Assessment of Complaint Volume

Our review has identified over 10 negative EXS Electronic Exchange Systems reviews across various platforms. A segment of these reviews critically labels the company as fraudulent or deceptive. Common complaints include aggressive and misleading sales approaches, substandard customer service, and chargeback procedures that seem to disproportionately benefit the consumer. We encourage individuals with personal experiences with EXS Electronic Exchange Systems to share their reviews in the comments section below.

Customer Support Offered by EXS Electronic Exchange Systems

Given its establishment in 1997, the volume of complaints regarding EXS Electronic Exchange Systems is relatively minor. It’s important to note, however, that the company’s affiliations with DBAs, ISOs, and the Global Payments processing network could potentially redirect some complaints to these associated entities. Without concrete evidence of such redirection, we provisionally assign a “B” rating in this area. The company publicizes a dedicated toll-free support line and an email address on its website, though these resources alone do not elevate it to the status of a premier merchant account provider in customer service.