Omega Processing Overview

Omega Processing May Have Overcharged You

If you accepted credit cards through Omega Processing 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.

An EVO Payments International Reseller

Omega Processing Solutions is a merchant account provider headquartered in Fort Thomas, Kentucky. The company should not be confused with Omega Bank Card Services, which is a different company based in Alabama. Founded in 2003, Omega Processing is a reseller of EVO Payments International. The company also advertises POS integration services to merchants.

Omega Processing Location and Ownership

Omega Processing is located at 1538 Alexandria Pike, Suite 12, Fort Thomas, Kentucky 41075, and is a registered ISO/MSP for Deutsche Bank, AG New York and Woodforest National Bank, Houston, Texas. Todd McHugh serves as the company’s President and R. Scott Anderson serves as its CEO.

Omega Processing Review Table of Contents

  • Costs & Contract: Omega Processing offers a month-to-month contract with an account closure fee of $60.
  • Complaints & Service: Omega Processing has received fewer than 10 public complaints.
  • BBB Rating: Omega Processing has an “A+” rating and has received 2 complaints and 1 review in the last 3 years. The company has been accredited by the Better Business Bureau Since 2005.
  • Sales & Marketing: Omega Processing may hire independent sales representatives but has not received any merchant complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Omega Processing
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Products & Services Offered

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce
  • MOTO

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Omega Processing Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-in Rate 1.00% - 4.99%
Virtual Terminal Fee 1.00% - 4.99%
Payment Gateway Fee Undisclosed
Early Termination Fee $60
PCI Compliance Fee $120 Per Year
Equipment Lease Terms 48 Month (locked)

Tiered Pricing Structure

The standard Omega Processing contract is a month-to-month agreement through EVO Payments International with an account closure fee of $60. The contract also stipulates that for merchants under tiered pricing plans, the quoted rate only applies to “Qualified” transactions, while “Mid-Qualified” transactions are subject to an additional surcharge of “up to 1.48% + $0.20” and “Non-Qualified” transactions are subject to a surcharge of “up to 1.98% + $0.20.” At first glance, this appears to be an attempt by either EVO or Omega to codify a type of rate quoting that we consider deceptive. However, the lack of complaints regarding this potential issue indicates that the company’s sales agents tend to disclose all possible rates.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Omega Processing also dedicates a portion of its website that advertises its virtual terminal and payment gateway services. However, pricing on either of those services is not disclosed. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.

Level 2 and Level 3 Processing Services

In addition to its traditional merchant services, Omega Processing also advertises that it provides level 2 and level 3 processing for b2b and b2g transactions through its virtual terminal. Level 2 and level 3 processing rely upon different interchange rates than traditional consumer credit transactions. Accommodating those rates requires different payment processing technology from a merchant account provider to transmit the amount of data required to facilitate the transactions. These services are reserved for b2b and b2g purchases that utilize corporate credit cards.

Industry-Average Terms

Omega’s month-to-month agreement and low termination fee make its standard contract competitive when compared to industry averages. It is unknown whether the company charges a PCI compliance fee though a stand EVO Payments International contract includes one of $120 per year. That standard contract also includes a non-cancellable equipment lease lasting for the term of the contract. Overall, the lack of complaints about the company’s contract terms and the low cost of its confirmed rates and fees incline us to award Omega Processing an “A” at this time, but its terms are still not as favorable as some of the cheapest merchant accounts available.

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Response from Omega Processing

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Omega Processing Complaints & Customer Reviews

Key Points

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

Low Complaint Total

We have located only a few negative Omega Processing reviews outside of the Better Business Bureau, none of which accuse the company of being a ripoff or scam. One complaint was filed in the comment section below this review and seems to describe aggressive collection attempts by the company on an account that is either closed or never existed. The others are scattered across various profiles and generally describe technical issues and poor customer service.

Omega Processing Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Omega Processing. 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 Processing Customer Support Options

Omega’s generally low complaint rate is most likely attributable to the company’s use of an in-house customer service and support staff. The Omega Processing website provides contact information for phone and email support, and these channels of communication appear to do a reliable job of resolving merchant complaints before they go public. Overall, the company’s support channels compare favorably to top-rated payment processors for great customer service.

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Response from Omega Processing

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Omega Processing BBB Rating Summary

Key Points - BBB

Product & Service Complaints 1
Billing & Collection Complaints 1
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Under 10 Complaints

Omega Processing has been an accredited business of the BBB since 2005 and currently has an “A+” rating based on 2 merchant complaints in the past three years. 1 complaint was filed in relation to a billing or collection dispute and 1 was related to a problem with product or service. Both complaints either were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant.

What Merchants Say

In addition to 2 complaints, the company has received 1 informal review on its BBB profile. However, the review is positive in tone and may not accurately reflect issues that merchants may encounter with the company.

An “A” Performance

Given Omega’s time in business and the fact that it has only received three complaints in the past three years, we agree with the BBB’s rating. Merchants should note, however, that there are good reasons to be skeptical of the BBB’s rating system.

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Response from Omega Processing

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Truth In Marketing & Advertising

Key Points

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

Inside and Outside Sales Staff

Omega Processing appears to rely on a W-2 employed sales team, outside sales agents, and local partnerships to market its services. There is no evidence that the company engages in “hiring mill” tactics, and we cannot find any Omega Processing complaints that allege unethical behavior by sales agents.

No Deceptive Rate Quotes

Additionally, the Omega website does not engage in deceptive rate quoting or misleading advertising language. We have accordingly assigned the company an “A” rating in this category. That said, we always urge merchants to seek a third-party statement audit to find and eliminate hidden fees.

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Response from Omega Processing

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Omega Processing Marketing Example

Omega Processing Logo

Our Opinion of Omega Processing

No Red Flags

Omega Processing rates as a reliable merchant services provider according to our rating system. The company is showing very few public complaints and does not appear to engage in deceptive sales practices. Even when dealing with highly rated providers, merchants are encouraged to read all contract terms carefully and to compare pricing to the top overall credit card processors.

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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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1 Review Leave Your Review for Omega Processing Below

  1. Catherine Levine says:

    These people have been bothering me for almost 2 years. I pay all my bills. I do not owe them or anyone else. They call on a line with no way to block. Yhey have my mailing address I have told them put it in writing so I can turn it over to my attorney. But all they do is call. I am 72 and they are making me ill.

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