Fortis Payment Systems Review

Fortis Payment Systems Overview

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Payment Processing for Standard-Risk Businesses

Formerly known as Cambridge Payment Systems, Fortis Payment Systems is a merchant account provider based in Novi, Michigan. The company primarily focuses on providing hospitality, chiropractic, restaurant, veterinary, medical, non-profit, retail, automotive, liquor, grocery, fitness, and e-commerce merchant accounts. To serve those merchants, Fortis Payment Systems relies upon the Zeamster payment gateway

Fortis Payment Systems Location and Ownership

The company is a registered ISO/MSP of Compass Bank, an Alabama State Chartered Bank and of Elavon. The company is headquartered at 43155 Main St. Suite 2310-C Novi, Michigan 48375. Jimmy Nafso is the CEO of Fortis Payment Systems.

Fortis Payment Systems Review Table of Contents

  • Costs & Contract: Fortis Payment Systems appears to offer variable contract terms that may or may not include an early termination fee.
  • Complaints & Service: Fortis Payment Systems has received fewer than 10 public complaints.
  • BBB Rating: Fortis Payment Systems does not have a profile with the Better Business Bureau at this time.
  • Sales & Marketing: Fortis Payment Systems appears to hire independent sales representatives and has received a few complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Fortis Payment Systems
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Products & Services Offered

Types of Businesses Served

  • Retail
  • E-commerce
  • MOTO
  • Restaurant
  • Hospitality

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Fortis Payment Systems Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-in Rate 1.00% - 4.99%
Transaction Fee 1.00% - 4.99%
Payment Gateway Fee Undisclosed
Early Termination Fee Up To $695
PCI Compliance Fee $30 Per Month
Equipment Lease Terms 48 Month (locked)

Variable Contract Terms

There is no specific information to be found regarding the standard Fortis Payment Systems contract at this time, but there are a few details available about the terms offered by its former business name of Cambridge Payment Systems. According to one merchant complaint, Cambridge Payment Systems enforced an early termination fee of $495-$695, an undisclosed PCI compliance fee, and a monthly PCI noncompliance fee of $30. Although these fees are more expensive than industry averages, it is unclear at this time whether Fortis offers similar pricing.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Fortis Payment Systems also dedicates a portion of its website that advertises its virtual terminal and payment gateway services, through Zeamster. However, pricing on that service is not disclosed. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.

Few Contract Complaints

We have seen a few Fortis complaints that mention hidden fees, but the amounts and names of these fees are unclear. The low complaint total suggests that Fortis generally does not overcharge its merchants, but its standard pricing is not likely to be competitive with the cheapest merchant accounts. If you have any knowledge of the standard Fortis Payments contract, please leave that information in the comment section below this review.

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Response from Fortis Payment Systems

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Fortis Payment Systems Complaints & Customer Reviews

Key Points

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

Low Complaint Total

There are fewer than 10 Fortis Payments reviews to be found across all of the usual consumer protection websites, and there is no evidence that the company is scamming its clients. Most of the available complaints are found in the comment section below this review and cite hidden fees, nondisclosure of contract terms, and difficulty cancelling service. As noted above, the company’s former name of Cambridge Payment Systems did attract three complaints on CPO, but these reviews do not necessarily apply to Fortis as well.

Fortis Payment Systems

We have not found any outstanding class-action lawsuits or FTC complaints filed against Fortis Payment Systems. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Fortis Payment Systems Customer Support Options

Given the general lack of complaints about specific issues, we will award the company an “A” rating at this time. Fortis offers phone and email contact information to its merchants as well as a dedicated account manager. This is a respectable level of customer support, but Fortis does not quite rank among our top-rated payment processors for great customer service.

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Response from Fortis Payment Systems

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Fortis Payment Systems BBB Rating Summary

No BBB Profile

The Better Business Bureau does not maintain a profile for Fortis Payment Systems at this time. As a result, we will not factor a BBB rating into the company’s overall grade. However, it should be noted that the BBB profile for Cambridge Payment Systems is currently showing a no rating and has not received any complaints.

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Response from Fortis Payment Systems

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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

Fortis Payments appears to utilize ISOs and independent sales agents to market its services. The use of independent agents is commonly linked to elevated complaint rates due to the lack of training and oversight that these agents typically receive. In this case, we have found a few Fortis Payments negative reviews that mention hidden fees, false pricing, and nondisclosure of contract terms. These complaints do not elaborate beyond these claims, so it’s hard to say what exact items might have been concealed by Fortis agents.

No Deceptive Quotes

As a point in the company’s favor, the Fortis Payments website does not promote any misleading rate quotes intended to deceive merchants. Considering the fact that it has only received a few vague complaints, we will assign the company an “A” rating at this time. If you suspect, however, that Fortis is overcharging you, you can double-check your monthly bill with a third-party statement audit.

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Response from Fortis Payment Systems

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Fortis Payment Systems Marketing Example

Fortis Payment Systems Logo

Our Opinion of Fortis Payment Systems

A Solid Option for Most Business Types

Fortis Payment Systems rates as a reliable merchant services provider according to our rating standards. The company maintains a low complaint total at this time, and its last few years have seen fewer negative reviews from merchants. Merchants are advised to carefully read all contract terms and compare them to those offered by top-rated merchant account providers.

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Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, 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 on this website.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

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7 Reviews Leave Your Review for Fortis Payment Systems Below

  1. Jason says:

    Wrost company ever! Never ever deal with this company! They have false pricing system and wrost agreement! They will give you xtremly hard time to cancel your service with them.. all kinda hidden fees will show up! Also rude customer server, even with treating you! Please alert your business or friend to stay away from this company!

  2. Fred Perry says:

    Our flight school had some significant difficulties after canceling our service with FORTIS due to the fact that another provider was integral to our ability to use a specific aviation related scheduling system. However, once the problem was elevated to the ownership level of FORTIS, the issue became understood, and FORTIS did everything they could to remedy the situation. They recovered nearly a thousand dollars on our behalf and solved the problem in a couple of weeks when it took others over a year with no positive results. Anyone can provide good service to an existing customer, but FORTIS provided us with exemplary service, recovered monies and treated us like we were the most important client in the world to them….all after we had left the firm. For that, I give them Five Stars and look forward to doing business with them again one day.

  3. Nancy says:

    Fortis payment system sucks and they give all false pricing and get business and later hold you for contract . Don’t join fortis payment . No service at all . I am going to sue them

  4. Christina Henley says:

    This is the worst company i have ever dealt with. I have been trying to cancel this account for over a year. Someone telling me they were the owner called and asked if there was any way to keep our biz. We use a software for billing that only gave us one option to process through their system. We explained this and ended the conversation cordially. since then they have charged us over $900 and refuse to close our account. They even billed us again this month! We are now taking action.

  5. Jim says:

    I think their sales reps are sneaky and can’t believe they haven’t been sued. I had originally signed up for a different company that offered me a free terminal. The application was missing info or something and I couldn’t get in touch with my original sales rep to figure it out. Months later, a rep claiming to work for the same company comes to help me and get me the deal I had originally wanted. I didn’t realize until afterwards that she had signed me with Fortis (a completely different company) and I was now required to pay $50/mo for the terminal. It would appear that this rep used to work for the previous company and misrepresented herself to me using their info. Not only do I feel cheated, but this rep should be sued.

  6. Sam P says:

    Service Sucks! After being with them for 2 year, They cancel my account middle of the day without any notice! No explanation was giving.

    1. Timothy says:

      Hi Sam,
      I noticed you posted that your account was closed without any notice. I would be more than happy to review the account information with you in order to provide feedback as to what occurred. Please feel free to email me directly with your business name and we can determine the issue.

      Thank you Sam.

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