UPDATE 9/27/2018: The First Choice Payments website is currently unavailable, and we cannot find any evidence that it has been active since 2017. The company’s partner processors, North American Processing Solutions and Smart Choice Payments, are still active brands, and the Smart Choice Payments website even describes it as “First Choice Payments, LLC doing business as Smart Choice Payments.” It therefore appears that First Choice has been shuttered in favor of a focus on Smart Choice Payments. If you have any knowledge of First Choice Payments’s current status, please share it in the comment section below this review.
Headquartered in Beaverton, Oregon, First Choice Payments (fcpayments.com) is a merchant account provider that primarily offers credit card processing for U.S.-based businesses. The company appears to be a DBA of Wholesale Merchant Processing, Smart Choice Payments, and North American Processing Solutions. According to a complaint on our Payment Systems Corporation review, Smart Choice Payments, First Choice Payments, and North American Processing Solutions are subsidiaries of Payment Systems Corporation; however, other information suggests that the companies’ backend processor may instead be Federated Payments.
Todd McCartney is listed as the president of Wholesale Merchant Processing, Smart Choice Payments, and American Payment Systems, and he is listed as the authorized representative for First Choice Payments. All of these companies are headquartered at 11000 SW Stratus St., Ste. 150, Beaverton, Oregon 97008, although the First Choice Payments website lists its address as 1350 E. Flamingo Rd., Suite 718, Las Vegas, Nevada 89119. First Choice Payments is indeed a registered corporation in Nevada, but its Nevada location appears to simply be a UPS Store. First Choice Payments does not list an acquiring bank on its website.