Pacific Payment Systems Review

Pacific Payment Systems Overview

Pacific Payment Systems May Have Overcharged You

If you accepted credit cards through Pacific Payment Systems 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.

A First Data Reseller

Founded in 2016, Pacific Payment Solutions is a merchant account provider that serves most standard business types. The company resells First Data products and services, specifically Clover‘s POS systems.

Pacific Payment Solutions Location and Ownership

Pacific Payment Solutions is headquartered at 30 Lindbergh Ave, Livermore, California 94551, and is a registered ISO of Wells Fargo Bank, N.A., Concord, CA. Nikolai Novak is the registered agent of Pacific Payment Solutions.

Pacific Payment Systems Review Table of Contents

  • Costs & Contract: Pacific Payment Systems offers a three-year contract through First Data with an unspecified early termination fee.
  • Complaints & Service: Pacific Payment Systems has received fewer than 10 public complaints.
  • BBB Rating: Pacific Payment Systems currently does not have a profile with the Better Business Bureau.
  • Sales & Marketing: Pacific Payment Systems does not hire independent sales agents and has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Pacific Payment Systems
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Products & Services Offered

Types of Businesses Served

  • Retail
  • E-commerce
  • Mobile
  • MOTO

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Pacific Payment Systems 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 Undisclosed
PCI Compliance Fee Undisclosed
Equipment Lease Terms Undisclosed

Pacific Payment Solutions Contract Terms

The standard Pacific Payment Solutions contract is a three-year agreement through First Data with an unspecified early termination fee and a built-in equipment lease from First Data Global Leasing. The specific rates and fees charged on a monthly basis are determined by each merchant’s sales agent and listed in a separate document called a “merchant application.” Merchants can likely expect standard industry pricing with some customization depending on their business type and processing history.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Pacific Payment Systems 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 fees, including gateway fees, technical support fees, and batch fees may apply to these e-commerce services.

No Red Flags

The total absence of complaints about the company’s contract terms merits an “A” in this category, but it should be noted that we are assigning this grade without any verified knowledge of specific pricing. Due to the company’s standard First Data contract, it is unlikely that Pacific Payment Solutions’s contract terms are competitive with the cheapest merchant accounts.

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Pacific Payment Systems Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support No
Most Common Complaint N/A

No Public Complaints

We are currently unable to locate any Pacific Payment Solutions complaints that accuse the company of being a ripoff or a scam. In fact, the credit card processor is showing no complaints or reviews whatsoever across various consumer protection websites. This seems to indicate that Pacific Payment Solutions employs a proactive and available customer support team.

Pacific Payment Solutions Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Pacific Payment Solutions. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Pacific Payment Solutions Customer Support Options

The Pacific Payment Solutions website provides a contact form for customer support and does not list a dedicated customer support number. We will award Pacific Payment Solutions an “A” rating in this category, but the company’s current customer support options do not qualify it as a top-rated customer service processor.

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Pacific Payment Systems BBB Rating Summary

No Profile Available

The Better Business Bureau does not maintain a profile for Pacific Payment Solutions at this time. We therefore will not factor a BBB rating into this review.

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Truth In Marketing & Advertising

Key Points

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

In-House Sales Team

Pacific Payment Solutions appears to rely on its in-house sales team and traditional advertising to market its services. There is no evidence at this time indicating that the company employs independent sales agents, and we are unable to locate any Pacific Payment Solutions complaints that report unethical behavior by the company’s sales staff.

No Misleading Quotes

Pacific Payment Solutions does not appear to engage in any deceptive advertising strategies in its official materials. In fact, its website provides a limited amount of information in general. If you suspect that Pacific Payment Solutions is charging you undisclosed fees, we recommend seeking a third-party statement audit to eliminate hidden charges.

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Pacific Payment Systems Logo

Our Opinion of Pacific Payment Systems

Solid Option for Most Merchants

According to all available information, Pacific Payment Solutions rates as a dependable merchant services provider. There is not a lot of specific information available about the company’s sales tactics or contract terms at this time, and it is possible that the company’s rating will change once more becomes known. Even when dealing with companies that rate highly by our standards, we urge merchants to thoroughly examine the terms of any contract they are given and to compare its pricing to top-rated merchant account providers.

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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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