Omega Bank Card Services Review

Omega Bank Card Services Overview

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First Data and Clearent Reseller

Omega Bank Card (omegabankcard.com), also known as Omega Financial Solutions, is a merchant account provider based in Birmingham, Alabama with two 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.

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 offers a three-year contract through First Data with no early termination fee.
  • Complaints & Service: Omega Bank Card has received fewer than 10 public complaints.
  • BBB Rating: Omega Bank Card has an “A+” rating with the Better Business Bureau and has received zero complaints in the past three years.
  • Sales & Marketing: Omega Bank Card 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

Omega Bank Card Services Statement Analyzer

Find hidden fees, pricing errors, and overcharges in your Omega Bank Card Services merchant account statement. Not with Omega Bank Card Services? That's ok, we can find excessive fees in any statement. In fact, We've found $798,496 in hidden fees in 2019 already! Submit a recent statement to try it out for free!

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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 Variable
Keyed-in Rate Variable
Early Termination Fee None
PCI Compliance Fee $7.50 Per Month
Equipment Lease Terms Variable

Omega Bank Card Pricing

According to an Omega Bank Card representative and a copy of the company’s merchant agreement (available below), 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.

Limitless Program

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.

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. See the Omega Bank Card Merchant Application and the Omega Bank Card Program Guide.

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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 reviews, which indicates that the company is not a ripoff or a scam. 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 zero complaints filed against it in the last three years. 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.

My Qualifications

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so decided to build this website to help you research which providers to use and how to save money on rates and fees. 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 here. Simply scroll to the top of the page to find the search bar. You can also message me if you need any guidance.

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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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