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Pacific Payment Systems: A Closer Look at Reputation and Fees

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All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.

Pacific Payment Systems

Rating
A
5/5
full starfull starfull starfull starfull star

Pros and Cons of Pacific Payment Systems

Pros

Competitive pricing options
Advanced payment technology
Fraud prevention tools
Quick account setup
Dedicated client support

Cons

Three-year contracts
Potential cancellation fees
Equipment lease agreements
Potential hidden fees
Transparency concerns

Overview

In this review of Pacific Payment Systems, we provide a clear overview of their credit card processing services, including point-of-sale systems, mobile payment solutions, and e-commerce tools. We’ll examine which types of businesses might benefit from their offerings while also analyzing customer feedback to highlight common trends and concerns. The review will cover pricing, contract terms, and specific service details to give readers a full understanding of what to expect. By the end, you’ll have a balanced view of Pacific Payment Systems and whether their services align with your business’s payment processing needs.

About Pacific Payment Systems

Screen Capture of Pacific Payment Systems Homepage
Pacific Payment Systems Homepage

Founded in 2016, Pacific Payment Solutions is a merchant account provider that serves most standard business types. The company resells First Data (now Fiserv) products and services, specifically Clover point-of-sale processing equipment.

Products & Merchant Services

Payment Processing

Pacific Payment Solutions processes major debit and credit cards for a variety of business types.

POS Solutions

Point of Sale (POS) solutions are the backbone of retail and service-based businesses, offering a comprehensive system for managing sales transactions, inventory, and customer interactions. These solutions are designed to streamline the checkout process, enabling businesses to accept a variety of payment methods, including credit cards, debit cards, and mobile payments.

Payment Gateways

Payment gateways are for businesses that process online transactions, acting as the secure link between the customer’s payment method and the merchant’s bank. These gateways ensure that sensitive payment data is transmitted safely, with encryption and fraud detection mechanisms in place to protect both the business and the customer.

e-Commerce Solutions with Shopping Cart Integration

e-Commerce solutions with shopping cart integration are for businesses looking to succeed in the online marketplace. These platforms enable businesses to create an online store, manage product listings, and facilitate customer purchases through a user-friendly shopping cart system.

MOTO (Mail Order/Telephone Order) Payments

MOTO (Mail Order/Telephone Order) payments provide a secure and convenient way for businesses to process transactions without the customer being physically present. This payment method is ideal for businesses that take orders over the phone or through mail, such as catalog sales or service providers.

Customer Reviews & Sentiment

No Public Complaints

We are currently unable to locate any extensive Pacific Payment Solutions reviews that accuse the company of being a ripoff or a scam. A single complaint or review mentions an issue with hardware compatibility, as noted in the comments section. This limited feedback suggests that Pacific Payment Solutions is committed to proactive customer support. We encourage sharing your own experiences or Pacific Payment Solutions customer reviews in the comments below.

Pacific Payment Solutions Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Pacific Payment Solutions. For merchants seeking non-litigious resolutions, we recommend considering reporting to relevant supervisory organizations.

Industry Scores & User Ratings

Online Ratings Summary
BBB RatingN/A

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.

Processing Rates & Fees

Pacific Payment Solutions Contract Terms

The standard Pacific Payment Solutions contract is a three-year agreement through First Data (Fiserv) with an unspecified early termination fee and a built-in equipment lease from First Data Global Leasing. The specific Pacific Payment Solutions 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.

No Red Flags

The total absence of Pacific Payment Solutions 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 (Fiserv) contract, it is unlikely that Pacific Payment Solutions’ contract terms are competitive with the cheapest merchant accounts. See the Pacific Payment Solutions Omaha Program Guide and the Pacific Payment Solutions North Program Guide. We would also encourage merchants to check out our list of the providers of the best merchant accounts.

Employee Reviews & Sales Practices

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 reviews that report unethical behavior by the company’s sales staff. This compares favorably to our list ofbest credit card processors.

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 you are being charged undisclosed Pacific Payment Solutions fees, we recommend seeking a third-party statement audit to eliminate hidden charges.

Pacific Payment Systems Competitors

Compare Pacific Payment Systems to competitors that earned top marks.

Bottom Line

Pacific Payment Solutions is currently regarded as a dependable merchant services provider based on the information available. However, specifics on the company’s sales tactics and contract terms remain scarce, leaving room for potential adjustments in its rating as more details emerge. Even when considering companies that score highly according to our standards, we strongly encourage merchants to carefully scrutinize the terms of any contract offered. By comparing the pricing against that of top-rated merchant account providers, businesses can ensure they are securing the best value and terms. This careful examination helps prevent unforeseen challenges and aligns the chosen provider with their unique needs and financial objectives.

Read Actual User Reviews

All user reviews have been moved to our partner, PaymentPop.com

Contact Pacific Payment Systems

Contact & Customer Support
Headquarters30 Lindbergh Ave, Livermore, California 94551
Toll-Free General Customer Service(877) 360-4353
Websitepacpayments.com