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Is Omega Bank Card Services the Right Fit for Your Business?

Name: Omega Bank Card Services
Item: Omega Bank Card Services
Rating: 5
Author: Phillip Parker

Author: Phillip Parker

Updated: September 23, 2025

Maintained Since: May 6, 2014

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We take our role in providing guidance and education regarding the card payment industry very seriously. At our own expense, we have vigorously defended our right to continue expose unethical and predatory practices in the industry, successfully defeating every attempt to silence us. However, fending off frivolous lawsuits is costly. To sustain these efforts, one of the ways we generate revenue is through affiliate partnerships with ethical providers. This means that some of our outgoing links connect business owners to trustworthy, low-cost payment processors, which is what most of our readers seek. We see this revenue channel as a win-win-win for everyone involved. Business owners find good processors, processors get good clients, and we are able to continue to provide a valuable service to the small business community. We also recommend and link to many services that do not compensate us. Our priority is to guide you to the best solutions for your needs, regardless of potential revenue. If you have questions, please feel free to contact us.

All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.

Omega Bank Card Services

Rating

5/5

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Pros

Transparent pricing structure

No termination fees

Free equipment offerings

No setup fees

Positive customer testimonials

Cons

PCI compliance fee

Three-year contract terms

No mobile app

Limited high-risk support

No international processing

Overview

In this review of Omega Bank Card Services, we take a closer look at the company’s payment processing solutions, including credit card processing, point-of-sale systems, and e-commerce services. We examine their pricing, contract terms, and customer feedback to provide a clear picture of what the company offers. The review also considers fee transparency, the quality of customer support, and overall merchant satisfaction. By the end, you will know whether Omega Bank Card Services is the right fit for your business’s payment processing needs.

About Omega Bank Card Services

Screen Capture of Omega Bank Card Services Homepage — Omega Bank Card Services Homepage

Omega Bank Card, also known as Omega Financial Solutions, is a merchant account provider that offers flat fee processing. The company is based in Birmingham, Alabama with 2 additional offices in Georgia. The company is a reseller of First Data (now Fiserv) and Clearent. Omega Bank Card Services should not be confused with Omega Processing, a Kentucky-based merchant services provider that has no affiliation with the company profiled in this review.

Products & Merchant Services

Payment Processing

Omega Bank Card offers payment processing services for major debit and credit cards. This service allows businesses to accept payments from a variety of card networks.

POS Systems

Omega Bank Card provides Point of Sale (POS) systems, including OVII and Clover. These systems offer comprehensive solutions for managing sales, inventory, and customer interactions.

EMV Card Readers and Swipers

Omega Bank Card supplies EMV card readers and swipers. These devices are for securely processing chip-enabled cards, enhancing payment security and reducing fraud.

Mobile and Wireless Payments

Omega Bank Card supports mobile and wireless payments, enabling businesses to accept transactions via smartphones and other mobile devices.

Payment Gateway

Omega Bank Card offers a payment gateway service, facilitating secure online transactions.

Online Ordering for Restaurants

Omega Bank Card provides online ordering solutions for restaurants. This service allows customers to place orders online, improving convenience and streamlining the ordering process for restaurant businesses.

Crypto Payments

Omega Bank Card includes crypto payment solutions, allowing businesses to accept cryptocurrencies as payment.

Business Loans

Omega Bank Card offers business loan services, providing financial support to businesses for expansion, inventory purchases, or other operational needs.

Check Guarantee Services

Omega Bank Card provides check guarantee services, ensuring that businesses receive payment for checks.

Gift and Loyalty Programs

Omega Bank Card supports gift and loyalty programs, helping businesses to implement customer reward initiatives.

ATMs

Omega Bank Card offers ATM services, enabling businesses to provide cash withdrawal options for their customers.

Customer Reviews & Sentiment

Clean Complaint Record

Currently, we are unable to find a single negative review for Omega Bank Card Services, suggesting a highly satisfactory experience for its customers. This lack of negative feedback indicates that Omega Bank Card Services is not involved in any fraudulent activities or scams. If you have your own experience with Omega Bank Card Services to share, please feel free to do so in the comments section below.

Legal Standing and Penalties

As of our search, there are no reported class-action lawsuits or complaints filed with the FTC against Omega Bank Card Services. Customers with grievances who wish to pursue alternative resolution methods are advised to report their concerns to the relevant supervisory organizations.

Omega Bank Card Services Customer Support Options

According to the company’s website, Omega Bank Card Services offers 24/7 customer support to all its clients. It is likely that the company outsources its customer service operations to First Data (Fiserv). While there is a possibility that some complaints intended for Omega Bank Card Services may be mistakenly directed at First Data (Fiserv), there is no concrete evidence to support this. Therefore, we rate Omega Bank Card Services highly in this category, acknowledging its efficient support options and performance, which are on par with leading payment processors in terms of customer service.

Industry Scores & User Ratings

Online Ratings Summary
PaymentPop	5
BBB Rating	N/A
Google Maps	4.9
Average Rating	4.95

PaymentPop Rating for Omega Bank Card Services

Negative Feedback

There are no negative reviews published about Omega Bank Card Services on the PaymentPop website.

Positive Feedback

We’ve been using Omega Bank Card Services for a while now, and it’s been steady and reliable. Getting started was simple, and their team made sure we understood what to expect. No surprise fees, and everything works the way it should.

Omega Bank Card Services BBB Rating

Omega Bank Card (listed under the name “Omega BankCard Services”) currently maintains an “A+” rating with the Better Business Bureau and has been accredited since 2004. The company has had 0 complaints filed against it in the last 36 months. It has also not received any informal reviews, although it should be noted that these reviews are not always subject to verification by the BBB.

An “A” Performance Overall

In light of this information, we agree with the BBB’s rating. Readers should note, however, that there are reasons to view the BBB’s information with skepticism.

Google Maps Rating for Omega Bank Card Services

Omega Bank Card Services has a 4.9 out of 5 star rating based on 126 user reviews on Google Maps.

Positive Feedback

We have been with them a year now and it’s an excellent system. The customer service team is amazing. Thank you!

Negative Feedback

There are no negative reviews published about Omega Bank Card Services on Google Maps.

Processing Rates & Fees

Omega Bank Card Pricing

Omega Bank Card’s standard rates and contract, as per the Omega Bank Card Merchant Application and the Omega Bank Card Program Guide, are set for a three-year duration with First Data (Fiserv). The plan includes interchange-plus pricing, with no annual fees and a $7.50 monthly regulatory fee that encompasses PCI compliance. Additionally, there is a monthly minimum fee of $10. Omega Bank Card doesn’t impose an early termination fee, except in cases where equipment is provided. The $199 fee is waived if the equipment is returned within 30 days. Terminal rentals are offered at $9.95 per month.

Flat Fee Pricing

Omega Bank Card also promotes a cash discount program which applies a surcharge to non-cash purchases, thereby covering the client’s per-transaction fees. This plan is priced at a flat rate of $35 per month and is designed to remove per-transaction fees, possibly including certain one-time and incidental fees.

Virtual Terminal and Payment Gateway Pricing

The company provides virtual terminal and payment gateway services via Payeezy, a platform powered by First Data (Fiserv). Payeezy offers two plans: the Basic Plan with a rate of 2.90% plus $0.30, and the Pro Plan with a lower rate of 1.89% plus $0.23 and a monthly fee of $19.95. Both plans exclude setup fees, statement fees, or gateway fees. Additionally, the merchant agreement indicates the option to use a third-party online gateway for e-commerce transactions.

No Contract Complaints

Omega Bank Card’s pricing structures are generally aligned with industry standards. Currently, there are no known complaints about their pricing and fees. Business owners are advised to thoroughly review their merchant agreements and compare Omega’s rates with those of the most affordable merchant accounts to ensure optimal pricing.

Readers are also encouraged to explore our selection of the top merchant account providers for further comparisons.

Employee Reviews & Sales Practices

No Sales Complaints

Omega Bank Card Services appears to utilize a team of independent sales agents and in-house appointment setters to market its services. Independent sales agents are often a cause for complaint within the credit card processing industry due to the minimal training and oversight they can receive. In this case, though, we are currently unable to locate any Omega Bank Card reviews that accuse the company’s sales team of deceptive practices.

This compares favorably to our list of best credit card processors.

Transparent Pricing

Omega Bank Card has recently added a couple of new pricing plans on its website. The first is its “Limitless” program, which is a cash discount program that costs a flat $35 per month but reimburses clients for their per-transaction fees via surcharges. The second plan is an interchange-plus plan that appears to charge different markups on different card types. This plan appears to revolve around a transparent interchange-plus markup, and Omega Bank Card provides a helpful table that prominently lists all relevant rates.

No Red Flags

In light of these plainly disclosed plans and the lack of Omega Bank Card Services complaints, we are assigning the company an “A” rating in this category. Omega is charging you undisclosed fees, however, we recommend seeking an independent statement audit to spot hidden charges.

Omega Bank Card Services Competitors

Compare Omega Bank Card Services to competitors that earned top marks.

Pricing

Bottom Line

Omega Bank Card Services rates as a reliable credit card processing provider based on all available information. With zero complaints and no indications of deceptive sales tactics, the company stands out for its trustworthy practices. Furthermore, its contract terms are quite competitive when measured against industry averages.

Despite these positive indicators, readers should always carefully review all paperwork before signing with any provider, even those highly rated. Comparing Omega Bank Card Services’ rates with those of the top overall credit card processors will help ensure that businesses receive the best value for their specific needs.

Read Actual User Reviews

See User Reviews Write a Review

All user reviews have been moved to our partner, PaymentPop.com

Contact Omega Bank Card Services

Contact & Customer Support
Owner	David Elkins
Owner	Keehn Berry
Headquarters	5604 Wendy Bagwell Pkwy STE 213, Hiram, GA 30141
General Support	(770) 766-4928
Hiram Office	(770) 222-8510
Rincon Office	(912) 826-0721
Birmingham (Hoover) Office	(205) 914-1950
Additional Support Channels	Online Contact Form
Website	omegabankcard.com

About Us

CardPaymentOptions.com

Established 2009

My name is Phillip Parker, and I started this website back in 2009 as a simple blog to call out shady credit card processors that were taking advantage of small business owners. At the time, I had no idea this side project would grow into a leading voice pushing for transparency and integrity in the payment processing industry. I also didn't anticipate just how far some of these companies' owners would go to try to silence me.

I was recruited out of college for a sales role with a credit card processor. At the time, I didn't realize the “training” was really about tricking me... into selling business owners expensive processing with hidden fees and long-term service agreements. In my first few sales, I unknowingly cost friends and family thousands of dollars after they trusted me to switch their services. When it finally clicked that something was seriously wrong, I was furious. I quit immediately and made a promise to expose that company and any others operating the same way. That promise is what led to the creation of this website.

As I wrote about these processors, their tactics, and the people behind them, the articles started to spread among business owners. News organizations picked up the stories, readers shared them online, and traffic to the blog took off. Unsurprisingly, that also caught the attention of the companies and individuals I was exposing.

Over the last 17 years, I've received several anonymous death threats and defeated four lawsuits meant to intimidate me into taking my blog down. Their efforts to muzzle me only made my determination to expose them even stronger, leading me to work with state authorities to help shutdown some of the worst offenders.

I'm proud to say that of the millions of people who have read my work, thousands have taken the time to write and thank me for helping them narrowly avoid a very costly mistake. This blog has played a small role in pushing the industry toward more ethical practices - but there are still bad actors out there, which means the work isn't done.

If I can offer one piece of advice, it's this: get every promise in writing, and take the time to review contracts carefully. Tools like ChatGPT can help surface red flags and uncover expensive surprises buried in the fine print.

If you've made it this far, thank you for reading. I truly appreciate you being here, and I wish you every success with your business.

Our Research Methodology

Pricing & Fees

We analyze all costs including rate structures (interchange-plus, tiered, flat-rate, etc), monthly fees, equipment costs, early termination fees, and hidden charges. This data is gathered from service agreements, statements and client feedback.

Features & Technology

Evaluation of POS systems, e-commerce integrations, mobile capabilities, reporting tools, recurring billing..., and developer resources. When possible, we directly test services and hardware. Otherwise, we rely on client feedback and public information.

Customer Support

We evaluate availability across phone, email, chat, and social channels. Measuring hold times, night and weekend availability, and client feedback regarding effectiveness, professionalism, and resolution rates.

Contract Terms & Conditions

We review service agreements and equipment contracts for reasonability, transparency, and fairness. We focus on uncovering any predatory clauses, such as unjustified early termination fees, hidden costs, and unclear cancellation policies.

User Experience

We comb the internet and interview current and former clients to evaluate the overall user experience and identify any common pain points that may impact the user experience.

Sales & Marketing Practices

We evaluate sales tactics, marketing materials, and client feedback to determine the level of transparency and ethical nature of the provider's approach. Does the provider publicly disclose pricing? Do they use teaser rates? We score based on these and other factors.

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