Omega Bank Card Services Review

Omega Bank Card Services Overview

Omega Bank Card Services May Have Overcharged You

If you accepted credit cards through Omega Bank Card Services or any other credit card processing company between 2017 and 2019, recent changes to the law may entitle you to refunds of certain debit card and credit card processing errors and overcharges. See this post to find out if your were among the businesses affected and to learn how you can get your money back.

First Data and Clearent Reseller

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 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. The company advertises Poynt and Clover as its POS solutions.

Omega Bank Card Location and Ownership

Omega Bank Card is a registered ISO/MSP of Wells Fargo Bank, N.A., Concord, California, and is headquartered at 234 Aquarius Dr, #100, Homewood, Alabama 35209Fletch Leonard is listed as the co-owner of Omega Bank Card.

Omega Bank Card Services Review Table of Contents

  • Costs & Contract: Omega Bank Card Services offers a three-year contract and a flat fee processing plan through First Data with no early termination fee.
  • Complaints & Service: Omega Bank Card Services has received fewer than 10 public complaints.
  • BBB Rating: Omega Bank Card Services has an “A+” rating and has received 0 complaints in the past 3 years. The company has been accredited by the Better Business Bureau since 2004.
  • Sales & Marketing: Omega Bank Card Services appears to hire independent sales representatives but has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Omega Bank Card Services
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Products & Services Offered

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce
  • MOTO

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Omega Bank Card Services Rates, Fees, and Costs

Key Points

Swiped Rate Interchange-Plus
Keyed-in Rate Interchange-Plus
Virtual Terminal Rate 1.89% + $0.23 - 2.90% + $0.30
Payment Gateway Fee None
Payeezy Pro Plan Fee $19.95
Monthly Minimum Fee $10
Limitless Program Fee $35 Per Month
Early Termination Fee None
PCI Compliance Fee $7.50 Per Month
Equipment Lease Cost $9.95 Per Month

Omega Bank Card Pricing

According to an Omega Bank Card representative,  the Omega Bank Card Merchant Application, and the Omega Bank Card Program Guide, Omega’s standard contract is a three-year term through First Data with Interchange-plus pricing, no annual fees, a $7.50 monthly regulatory fee that includes PCI compliance, and a monthly minimum fee of $10. The company does not charge an early termination fee unless it places equipment with a merchant, but the merchant will not pay this $199 fee as long as the equipment is returned to Omega Bank Card within 30 days. The company also offers terminal rental for $9.95 per month.

Flat Fee Pricing

As described below, Omega Bank Card also offers a cash discount program that adds a surcharge to customers’ non-cash purchases to offset the merchant’s per-transaction fees. This plan costs a flat $35 per month and likely includes one-time and incidental fees, but its main selling point is the elimination of per-transaction fees.

Virtual Terminal and Payment Gateway Pricing

The Omega Bank Card Services references a virtual terminal and payment gateway through Payeezy, powered by First Data. Payeezy offers 2 separate plans, the Basic Plan and Pro Plan. Neither plan charges setup fees, statement fees, or gateway fees. The Basic Plan charges a rate of 2.90% plus $0.30. Meanwhile, the Pro Plan offers a lower rate of 1.89% plus $0.23 and a monthly fee of $19.95. The company’s merchant agreement also indicates that merchants can also defer to a third party online gateway for e-commerce transactions.

No Contract Complaints

These pricing plans compare favorably to industry averages, and the company is accordingly showing zero complaints regarding its pricing and fees at this time. Merchants are encouraged to read their merchant agreements carefully and to compare Omega’s rates to the cheapest merchant accounts to ensure that they are receiving the best possible pricing.

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Response from Omega Bank Card Services

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Omega Bank Card Services Complaints & Customer Reviews

Key Points

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

Clean Complaint Record

We are currently unable to locate any negative Omega Bank Card Services reviews, which indicates that the company is not a ripoff or a scam.

Omega Bank Card Services Lawsuits

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

Omega Bank Card Services Customer Service Options

The company’s website states that all Omega merchants have access to 24/7 customer support, so the company most likely outsources its customer service to First Data. Because of this, it’s possible that some complaints intended for Omega Bank Card are instead filed against First Data. In the absence of any evidence that this is occurring, however, we will award Omega Bank Card an “A” in this category. The company’s support options and performance stack up well compared to top payment processors for customer service.

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Response from Omega Bank Card Services

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Omega Bank Card Services BBB Rating Summary

Key Points - BBB

Product & Service Complaints 0
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

No BBB Complaints

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. Merchants should note, however, that there are reasons to view the BBB’s information with skepticism.

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Response from Omega Bank Card Services

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms No

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 complaints that accuse the company’s sales team of deceptive practices.

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 merchants 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 complaints filed against Omega, 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.

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Response from Omega Bank Card Services

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Omega Bank Card Services Marketing Example

Omega Bank Card Services Logo

Our Opinion of Omega Bank Card Services

A Competitive Option For Most Merchants

Omega Bank Card Services rates as a reliable merchant services provider according to all available information. The company is showing zero complaints and does not appear to engage in deceptive sales tactics. In addition, its contract terms are very competitive when compared to industry averages. Even when dealing with highly rated providers, merchants are encouraged to carefully read all paperwork before signing and to compare rates to the top overall credit card processors.

We rely on your feedback about Omega Bank Card Services to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

Thank you for reading my review. I hope that it has helped you with your research.

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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4 Reviews Leave Your Review for Omega Bank Card Services Below

  1. Bill Kreiser says:

    I’m the IT Manager Courtesy Automotive Group in Conyers, GA. I don’t write many reviews because i’m not normally impressed. But we purchased and installed 14 credit card reader from Omega Card Services. Laura Green was my consultant for the installation and training. Together we removed all the old units, and 14 units Omega were installed in 6 hours, including training! Laura was professional, knowledgeable, courteous, and a pleasure to work with. Good job Laura, you made Omega look good!

  2. Tondee’s Furniture

    2429 Shorter Ave SW
    Rome, Georgia 30165
    (706)232-4557

  3. LARRY E TONDEE says:

    After many years in business, I have finally found the perfect Card solution for my business, It was not until my frustrations and patience with my past card program and their personnel ran thin that I knew a change was needed. Fortunately, your associate, Laura Green, just happened to make a Cold Call to my business. She was knowledgeable and meet all of my business needs. Thank you, Ms. Green and Omega Bank Card Services for meeting my needs.

    1. CPO Admin says:

      Hi Larry,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

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