Fidelity Payment Systems Review

Category Breakdown
Sales & Marketing rated A
Costs & Contract rated A
Complaints & Service rated A plus
BBB Rating rated A

Overall Rating


Fidelity Payment Systems ( is a merchant account provider headquartered in Jacksonville, Florida. The company’s in-store solution is known as “Fidelity Point,” while its online debit and credit card processing service is known as “Fidelity Link.” Fidelity Payment Systems, LLC, is a registered ISO/MSP of Wells Fargo Bank, N.A., in Walnut Creek, California, and is located at 10302 Deerwood Park Blvd Suite 150, Jacksonville, Florida 32256. Barry Grahek is listed as the principal for Fidelity Payment Systems.

Fidelity Products and Services Industries Served
  • Debit and credit card processing
  • POS equipment
  • Recurring billing
  • Fraud protection
  • ACH processing
  • Level II and III processing
  • Retail
  • E-commerce

Related: Find The Best Processor For Your Business Type

Sales & Marketing | A

Key Points – Sales & Marketing
Uses independent resellers? No
Promotes deceptive rate quotes? No
Discloses all important terms? No

Fidelity Payment Systems appears to primarily market itself through its website. There is no evidence at this time that the company partners with ISOs, independent sales agents, or other resellers to market its services. In addition, we are unable to locate any complaints about the company that mention unethical conduct by its sales agents. The Fidelity Payment Systems website does not appear to engage in any deceptive advertising strategies, although it discloses very little about the company.

Related: Find The Best Providers By Processor Type

Costs & Contract | A

Key Points – Costs & Contract Terms
Swiped rate: Variable
Keyed-in rate: Variable
Termination fee: Variable
PCI compliance fee: Variable
Equipment lease: Variable

There is no publicly available information about the standard Fidelity Payment Systems contract at this time. It is very likely that the company is a reseller of a much larger credit card processor’s services, but the identity of this larger company is currently unknown. We cannot find any complaints related to the Fidelity Payment Systems contract, so we will assume at this time that most of the company’s clients are satisfied with their contract terms. If you have any knowledge of the standard Fidelity Payment Systems contract, including its service length, early termination fee, and PCI Compliance fee, please leave that information in the comment section of this review.

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Complaints & Service | A+

Key Points – Complaints & Service
Total complaints: <10
Live customer support: Yes
Most common complaint: N/A

We are currently unable to locate any Fidelity Payment Systems complaints that accuse the company of being a scam or a ripoff. In fact, the company is showing zero complaints or reviews across all consumer protection websites at this time. Fidelity Payment Systems appears to be a very small company as of this update, so it may be that the company simply hasn’t done enough business to generate any reviews. It is also possible that if the company is a reseller of another company’s services, complaints about Fidelity Payment Systems are redirected to the online profiles of its processor. Given the total absence of complaints about the company, however, we are inclined to assume at this time that the company employs a capable and reachable customer service staff that does an effective job of resolving complaints in-house.

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BBB Report | A*

Key Points – BBB Report
Product/service: 0
Billing/collection: 0
Advertising/sales: 0
Guarantee/warranty: 0
Delivery: 0

Fidelity Payment Systems is not an accredited business with the Better Business Bureau. As of this review, the company does not have a rating with the BBB and has had no complaints filed against it in the last 36 months. The BBB states that it has not issued a rating because it is currently reviewing or updating the company’s profile. Given the company’s clean complaint record both outside of the BBB and with the BBB, we have adjusted the BBB’s rating to an “A” for the purposes of this review.

* Denotes CPO-adjusted BBB score

Related: Best Processors For E-Commerce

Bottom Line

Fidelity Payment Systems Review

Rated 4.6 out of 5 Stars
Reviewed by Phillip Parker
Reviewed on 2015-04-21

According to all available information, Fidelity Payment Systems is a reliable merchant services provider. The company is showing zero complaints across all consumer protection websites at this time, but there are also very few details available about its contract terms, business partners, hiring practices, or support apparatus. It is worth noting that the company could potentially be confused with Fidelity Payment Services in search results, but there is no indication as of this review that the two companies are related.

This review was originally published on 3/12/13 and was last updated on 4/21/15.

Leave your review of Fidelity Payment Systems in the comment section below:

Phillip Parker is a former merchant services agent turned small business advocate and the author of "Fee Sweep," which teaches merchants how to dramatically lower their processing rates, eliminate junk fees, and avoid fine-print scams. He founded to help merchants enact positive change in the credit card processing industry. Schedule a Consultation with Phillip

Schedule a Consultation with Phillip

1 Review Leave Your Review Below

  1. Stay away from this business. I had a terrible experience with their SA and their representatives not taking responsibility for their agent’s actions. I filed a report with BBB and they say that I was being fraudulent in my reporting. In addition, to make it easier for all parties involved I asked that a specific date be set for cancellation. They cancelled two business days before the date I asked for leaving me stranded with my customers. Overall, terrible experience and unprofessional customer service all around.

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