Orbis Payment Services Review

Orbis Payment Services Overview

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A Reseller of Multiple Processors

Orbis Payment Services is a merchant account provider headquartered in Novato, California. The company is partnered with TSYS Merchant Solutions, Chase Paymentech, and Global Payments as its backend processors. The company also provides e-commerce merchants with its own proprietary payment gateway for online payments as well as Poynt as a POS solution.

Orbis Payment Services Location and Ownership

Founded in 2001, Orbis Payment Services is a registered ISO of Wells Fargo Bank, N.A., Concord, California. The company is headquartered at 42 Digital Drive, Suite 1, Novato, California. Bill Isetta is listed as the owner and CEO of Orbis Payment Services while Dominic Isetta is the company’s president.

Orbis Payment Services Review Table of Contents

  • Costs & Contract: Orbis Payment Services appears to offer variable contract terms that will depend on each merchant’s business type and processing history. The company also provides its own payment gateway as an e-commerce solution.
  • Complaints & Service: Orbis Payment Services has received fewer than 10 public complaints.
  • BBB Rating: Orbis Payment 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 2009.
  • Sales & Marketing: Orbis Payment Services does not appear to hire independent sales representatives and has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Orbis Payment Services
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Products & Services Offered

  • Debit and credit card processing
  • Check conversion
  • POS equipment
  • Mobile processing
  • Online payment gateway
  • Gift and loyalty programs

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce

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Orbis Payment Services Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-in Rate 1.00% - 4.99%
Virtual Terminal Rate 1.00% - 4.99%
Payment Gateway Fee Undisclosed
Early Termination Fee Up to $500
PCI Compliance Fee Undisclosed
Equipment Lease Terms 48 Month (locked)

Variable Contract Terms

The fact that Orbis Payment Services is partnered with multiple backend processors means that its standard contract could resemble any of those companies’ basic agreements. The company may offer a wide variety of service terms, ranging from five-year agreements with $500 early termination fees to month-to-month agreements with no penalty for cancellation.

Pricing and fees for a merchant account will vary by reseller and whose services are being resold. Orbis Payment Services repackages the services of several different merchant account providers including TSYS Merchant Solutions, Chase Paymentech, and Global Payments.

As a reference point, the typical TSYS Merchant Solutions rates and fees are as follows. TSYS offers three pricing plans. The “Pursue” plan listed a swipe rate of 2.5% plus $0.20 per transaction and a keyed rate of 3.5% plus $0.20 per transaction. The “Grow” plan listed a swipe rate of 1.99% plus $0.20 per transaction and a keyed rate of 3.1% plus $0.20 per transaction. The “Accelerate” plan listed a swipe rate of 1.7% plus $0.20 per transaction and a keyed rate of 3% plus $0.20 per transaction. In addition, merchants are charged a quarterly PCI compliance fee of $18.80 ($75.20 a year) and non-cancellable equipment lease terms lasting 48 months,

Merchants are encouraged to read “Fee Sweep” to learn how to negotiate the best rates and fees. Since Orbis Payment Services is a reseller of TSYS contracts among others, understanding the rates and fees offered by those merchant account providers is crucial for being able to negotiate reasonable contract terms.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Orbis Payment Services also dedicates a portion of its website that advertises its proprietary virtual terminal and payment gateway service, dubbed OrbisPay. However, pricing on this platform 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.

No Red Flags

There are currently no public complaints filed against Orbis that mention expensive contract terms like high early termination fees or PCI Compliance fees, so we are inclined to believe that most of the company’s clients are satisfied with their service. Even so, merchants are advised to carefully examine their contract terms and compare them with the cheapest merchant accounts. If you have any knowledge of the standard Orbis Payment Services agreement, please leave that information in the comment section of this review.

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Response from Orbis Payment Services

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Orbis Payment 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 Orbis Payment Services complaints that accuse the company of being a scam or a ripoff. In fact, the company is showing zero complaints or reviews across all non-BBB websites. This indicates that Orbis employs a capable and reachable customer service team, but it’s also possible that some complaints intended for Orbis are funneled to the online profiles of its backend processors. In the absence of any evidence that this is occurring, we are awarding the company an “A” rating in this category.

Orbis Payment Services Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Orbis Payment 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.

Orbis Payment Services Customer Support Options

The Orbis website lists dedicated phone and email contact information for customer support. This is a standard we expect of the top-rated providers for great customer service and it appears to serve the company’s merchants well.

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Response from Orbis Payment Services

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Orbis Payment 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

Orbis Payment Services has been accredited with the Better Business Bureau since 2009. As of this review, the company holds an “A+” rating with the BBB and has 0 complaints filed against it in the last 36 months. The company has also not received any informal reviews on its BBB page, although it should be noted that these reviews are not subject to verification by the BBB.

An “A” Performance

In light of the company’s clean complaint record, 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 Orbis Payment Services

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Truth In Marketing & Advertising

Key Points

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

No Sales Complaints

Orbis Payment Services appears to market itself primarily through its website and traditional advertising. It is unclear at this time whether Orbis employs an in-house sales staff or relies on independently contracted sales agents to market its services. We are currently unable to locate any negative Orbis Payment Services reviews that accuse the company’s sales staff of unethical conduct.

No Deceptive Quotes

Additionally, the company does not appear to engage in any deceptive advertising strategies in its official materials. We therefore award it an “A” rating in this category for the time being. If you suspect that Orbis is sneaking hidden fees into your statement, we recommend seeking a third-party statement audit.

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Response from Orbis Payment Services

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Orbis Payment Services Logo

Our Opinion of Orbis Payment Services

A Solid Option for Most Business Types

Orbis Payment Services rates as a reliable merchant services provider according to our rating criteria. The company is showing zero complaints outside of the BBB and does not appear to engage in deceptive sales tactics. Even when dealing with a highly rated merchant account provider, merchants are encouraged to compare its pricing to top-rated merchant accounts to obtain the best deal.

We rely on your feedback about Orbis Payment 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.

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