Omega Bank Card Services Reviews & Complaints
Company Overview
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 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.
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.
Omega Bank Card Services Customer Reviews
Here's What Their Clients Say
Total Online Complaints | <10 |
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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
- Customer support form
- Customer service via email at [email protected]
Omega Bank Card Services Online Ratings
Here's How They Rate Online
BBB Reports | 0 |
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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
Cancellation Penalties | No |
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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?
Uses Independent Resellers | Yes |
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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 according to all available information. The company is showing 0 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, readers are encouraged to carefully read all paperwork before signing and to compare rates to the top overall credit card processors.
If you found this article helpful, please share it!
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!
Larry Tondee
Tondee’s Furniture
2429 Shorter Ave SW
Rome, Georgia 30165
(706)232-4557
LARRY E TONDEE
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.
CPO
Hi Larry,
Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!