Omega Bank Card Services Reviews & Complaints

Omega Bank Card Services Logo
Overall Score
full star full star full star full star full star
How did they treat you?


In this review of Omega Bank Card Services, we will provide a detailed overview of the company's payment processing solutions, including credit card processing, point-of-sale systems, and e-commerce services. We will discuss the pricing structure, contract terms, and customer feedback to give you a clear understanding of what Omega Bank Card Services offers. Additionally, we will examine the transparency of their fees, the quality of their customer support, and the overall satisfaction levels reported by their clients. By the end of this article, you will have a comprehensive understanding of whether Omega Bank Card Services meets your business's payment processing needs.

About Omega Bank Card Services

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.

Omega Bank Card Services Homepage

Omega Bank Card Payment Processing

Omega Bank Card processes all major debit and credit cards for most business types. Their services include POS systems from OVII and Clover, EMV card readers and swipers, mobile and wireless payments, access to a payment gateway, online ordering for restaurants, crypto payments, business loans, check guarantee services, gift and loyalty programs, and ATMs.

Omega Bank Card Services Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A
Recent Lawsuits No

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.

Omega Bank Card Services Customer Service Contacts

  • (770) 766-4928 – General Support
  • (770) 222-8510 – Hiram Office
  • (912) 826-0721 – Rincon Office
  • (205) 914-1950 – Birmingham (Hoover) Office

Other Support Options

Omega Bank Card Services Online Ratings

Here's How They Rate Online

Online Ratings Summary
BBB Reports 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. Readers should note, however, that there are reasons to view the BBB’s information with skepticism.

Omega Bank Card Services Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties No
Monthly & Annual Fees Yes
Processing Rates Interchange-Plus
Equipment Leasing Yes

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.

Omega Bank Card Services Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Uses Independent Resellers Yes
Telemarketing Likely
Misleading Marketing 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 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.

Our Omega Bank Card Services Review Summary

Our Final Thoughts

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.

Location & Ownership

Omega Bank Card is a registered ISO/MSP of Wells Fargo Bank, N.A., Concord, California, and is headquartered at 5604 Wendy Bagwell Pkwy STE 213, Hiram, GA 30141. David Elkins and Keehn Berry are listed as owners of Omega Bank Card.

If you found this article helpful, please share it!

Testimonials & Complaints

How Did Omega Bank Card Services Treat You?

4 User Reviews

  • Bill Kreiser

    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!


    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.

Tell Us How They Treated You

Sharing your experience influences our rating and helps other business owners make informed decisions. Promotional content and contact information will not be published. Please provide a detailed summary of your experience.


Copyright © 2024, Inc. (Digital Fingerprint: 0d38c6720f0d78a701b74d58653af608). Getting paid to re-write this page? Click here to earn a reward.

Any unauthorized copying and reproduction of the content of this page, including all meta data and computer code, is strictly prohibited. While the information in the above article is believed to be accurate as of its publish date, the author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is,” and without warranties. Any and all use of trade names and/or marks are for identification purposes only and shall not be construed as a claim of affiliation, or otherwise, with, Inc. ("CPO") in any form. The sole purpose of the material presented herein is to alert, educate, and inform readers. It is not intended as legal or financial advice. We may earn revenue if you obtain services from a provider that we recommend. See this page to learn how we support our operations.