NCR POS Review: Fees, Complaints & Lawsuits

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The Very First Point-Of-Sale (POS) Company

Based in Atlanta, Georgia, NCR is a large publicly-traded corporation that manufactures ATMs, point-of-sale systems, and other physical scanning equipment. NCR, or the National Cash Register Company as it was known historically, was started in 1879 by James Ritty. Ritty started the company to utilize his new patent and invention “Ritty's Incorruptible Cashier,” the very first mechanical cash register.

While ultimately Ritty’s time at his new company would be short-lived, it would go on to become one of the largest producers of cash registers for over a century. Briefly acquired by AT&T in 1991, NCR would reemerge as an independent company as a part of the restructuring of AT&T in 1996. Today NCR is a large international corporation employing over thirty thousand employees in 160 countries.

NCR's Merchant Services

Historically NCR has focused strictly on the production of physical sales kiosks and barcode scanning equipment. In 2018 NCR acquired payment processor JetPay, and this allowed them to offer debit and credit card processing services to accent their expansive sales terminal catalog. NCR’s merchant services have become equally robust, and the company now offers payment gateways, eCheck processing, and a range of business management platforms targeted at retail, hospitality, and banking merchants.

NCR Location and Ownership

NCR is headquartered at 864 Spring St NW, Atlanta, GA 30308.

The CEO of NCR is Michael Hayford.

NCR Payment Solutions, LLC is a registered ISO/MSP of Citizens Bank, N.A., Providence, RI; BMO Harris Bank, Chicago, IL.

NCR Review Table of Contents

NCR first cash register.
NCR Corporation has over 100 years of company history.

NCR Corporation Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints 20+
Live Customer Support 24/7
Most Common Complaint Undisclosed Fees

NCR Complaints for Point Of Sale Equipment

We have been able to locate few NCR complaints, however there are several lingering internet reviews concerning contract terms and fees associated with NCR’s Silver POS system. Some of the complaints describe continued charges after accounts are canceled. Most are posted by small business owners who are either being forced to pay termination charges or steep fees associated with various penalties imposed by NCR.

NCR Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against NCR. Dissatisfied business owners who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations and by leaving a review of your own in the comment section of this article below.

NCR Customer Service Options

NCR’s customer service offers many options with dedicated numbers for specific merchant departments. Overall it looks like NCR is making good efforts to support its customer base.

  • Main NCR Customer Service: 1-800-CALL-NCR
  • Payment processing dedicated Customer Service: 1-800-834-4405

NCR Corporation Online Ratings

Here's How They Rate Online

Online Ratings Summary
Advertising/Sales 3
Billing/Collections 4
Delivery Issues 0
Guarantee/Warranty 2
Problem with a Product or Service 4

Over A Dozen Better Business Bureau Complaints

According to the Better Business Bureau, NCR has received 13 complaints and two reviews in the past 36 months. Currently it holds a “D-” rating and has not been accredited by the Better Business Bureau.

Of the 13 complaints, four were due to billings and collections issues, three with advertising and sales, four concerned a product or service, and two issues with a guarantee or warranty. NCR has successfully resolved 5 of these complaints.

What Merchants Say

NCR also received 2 reviews in the past 36 months. Both are negative in tone. The most recent negative review concerns NCR’s overall quality of service:

“Recently there was a change to our website. NCR notified us of a re-hosting to a new server. After the change the latest information on the site was six months old. When we contacted NCR they said they took the image of our ******** months ago and just now move the site, using the old image on the new server. We pay for data backups in addition to the hosting fee. We asked the data to be restored so to recover the last 6 months, we were told those backups don’t exist and there was nothing NCR could do. This is inexcusable and a loss to our company that will cost us to try and recover. Our IT staff say they might be able to recover >50% of the lost data. The fact that NCR has washed it hands of this is deplorable. We will be moving our site as soon as possible.”

An “D” Performance Overall

It’s difficult to make a call on NCR’s rating as a payment provider, but based on the amount of complaints concerning unresolved contracting and billing issues, we agree with the Better Business Bureau’s rating of a “D” at this time.

NCR Corporation Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Swiped Rate Variable
Keyed-in Rate Variable
Early Termination Fee Yes
Equipment Lease Terms Undisclosed

Unclear Terms for NCR Fees

NCR does not clearly list its rates and terms online. There are NCR reviews with reports of the NCR Silver system costing around $79 dollars monthly, but this rate is for the POS system alone and does not include credit card transaction rates. NCR’s credit card processing rates are not advertised online. This is a red flag for merchant service providers and likely indicates NCR offers variable rates. While this can work in favor of businesses with large transaction volume, smaller businesses might end up paying more than they should.

Negotiate Contract Pricing

We have not been able to locate a NCR merchant account contract at this time. New customers who have recently signed up for payment services through NCR are encouraged to leave a customer review below describing their experience. Business owners are again encouraged to negotiate their merchant account pricing and contract terms and to read all documents thoroughly before signing.

NCR Corporation Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms No

No Evidence of Independent Sales Teams

Currently we cannot locate any concerning job posts or complaints indicating NCR utilizes independent or outside sales representatives. We also cannot locate any complaints directly related to its sales practices or indications of misleading quotes.

NCR Contract Terms

NCR has been reported to impose some very aggressive contract terms. Some of these reported terms include 4-year self-renewing contracts with steep early termination fees. None of this information is present on their website, and from the amount of complaints concerning penalties and additional charges incurred by business owners, there appears to be some credibility to these accusations. We would advise all potential NCR customers to proceed with caution when signing up and to read all documents carefully.

Our NCR Corporation Review Summary

Our Final Thoughts

NCR Could Use More Rate & Fee Transparency

NCR is a large point-of-sale provider and credit card processor. There are several NCR reviews complaining of unexpected fees regarding contract terminations. The company has a long history in the point-of-sale and barcode scanning equipment industry. In previous years NCR would partner with various payment processors to support their hardware. It will be interesting to see as NCR pivots more into the payment processing world. The lack of any NCR’s rates is always concerning when we review a payment processor. At best it can be an oversight, and at worst it can mean some ugly fees and contracts waiting to surprise you down the road. With a company of NCR’s size, we would expect more clarity with pricing and contract information. While NCR looks like a capable payment processor, we advise business owners to proceed with caution.

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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 NCR Corporation Treat You?

2 User Reviews

  • Nanxy

    Cheese Cake Heaven

    I’m surprised there is not a class action lawsuit against NCR for their price gouging and horrible service to small business. I was somewhat forced into switching with little available time to check options due to holiday demand and lack of staff. They do not seem very organized. The only thing they are good at is billing. I am trying to sort it all out as the fees are horrendous. I deeply regret signing on with NCR. I do like my Aloha pos but if I cannot find local support in wis. I will move on to another system at the end of the year.

  • Lisa Bondurant

    Shiman Chu LLC dba No Coast Sushi

    NCR does not care to provide any form of customer service in their sales department.

    I contacted them on Nov 2022 to let them know I am selling my company and asked them to reach out to the new owner to see if he could take over my contract or get a new one. This was 6 weeks ago. Despite leaving innumerable messages weekly by phone calls, texts, and emails- nothing has been done.

    The only reason the new owner waited, instead of starting his own service with a different company is because we were told this would be an easy switch – when we got ahold of sales rep Sean Dinsmore on December 6, 2022. And he was reassured it was being taken care of on Jan 4.(three days after the new owner was in place).

    As of Wed Jan 11, 2023
    I am still on the account
    and receiving the new owners deposits despite doing everything possible to change ownership .

    The new owner is switching companies as soon as possible. It is obvious that NCR doesn’t want his business and I wouldn’t either. I honestly can not believe how horrible NCR is.

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