In this review of Pacific Payment Systems, we will provide a detailed overview of the company's credit card processing services. We will cover the range of services they offer, including point-of-sale (POS) systems, mobile payment solutions, and e-commerce capabilities. The review will identify the types of businesses that might benefit from these services. Additionally, we will examine client and customer reviews to highlight common trends and potential concerns. The article will also address the company's pricing structure, contract terms, and specific services provided. By the end of this review, you will have a clear understanding of whether Pacific Payment Systems meets your payment processing needs.
About Pacific Payment Solutions
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 Cloverpoint-of-sale processing equipment.
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.
Pacific Payment Systems offers standard payment processing services
Pacific Payment Systems Customer Reviews
Here's What Their Clients Say
Customer Reviews Summary
Total Online Complaints
<10
Live Customer Support
No
Most Common Complaint
N/A
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.
Pacific Payment Systems Online Ratings
Here's How They Rate Online
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.
Pacific Payment Systems Fees, Rates & Costs
A Closer Look at The Contract
Rates & Fees Summary
Swiped Rate
1.00% - 4.99%
Keyed-In Rate
1.00% - 4.99%
Early Termination Fee
Variable
PCI Compliance Fee
Variable
Equipment Lease Terms
Variable
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.
Pacific Payment Systems Employee Reviews & Sales Tacitcs
Should You Work For Them?
Jobs & Marketing Summary
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 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.
Our Pacific Payment Systems Review Summary
Our Final Thoughts
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.
Contact Pacific Payment Systems
Contact & Customer Support
Address
30 Lindbergh Ave, Livermore, California 94551
Toll-Free General Customer Service
(877) 360-4353
Testimonials & Complaints
How Did Pacific Payment Systems Treat You?
5 User Reviews
Jay McGraw
The review for MR Pizza South needs removed. I signed him up when I was working for Edje Solutions and NOT pacific payment systems. Ryan is a customer for Edje Solutions and thus review needs to be placed appropriately and with accurate information and not false info. I worked for Edje shortly during the pandemic correct and did do a lease with him but because he needed new machines in order to do cash discount but the changed his mind and didn’t want the customer to get upset so we switched him to tiered pricing, then he wasn’t happy with his bill because he started a promotion doing $4 slices which drove his transactions through the roof. I left Edje and he continued to work with their staff and team and a gentleman named Lucas to take care of the matter. From what I understand they ended up making him a great deal and even made an agreement to remove all negative reviews since he was happy. I do not know why 3 years later he is writing a review and naming pacific payment systems but this is entirely false and inaccurate information and needs to be addressed ASAP! Please feel free to contact me if you have any questions or want proof in regards to this matter. [Auto-moderated: contact information removed.]
Janelle Thompson
Pacific Payment Systems
Ryan,
We do not have you or your business as a customer currently or at any time our company. We have contacted Jay to get a hold of you and this review site to clear this matter up. This review is not reflective of our company or practices and ask that this review be kindly removed. We do not even have a relationship with, nor ever had one with Ascentium Capital for equipment leasing. I am confident Ascentuium Capital will confirm this. We do apologize for any confusions and\or issues you may have had with whatever company you dealt with but this review needs to be removed. If you would like we would gladly offer to educate you on how billing works, costs associated and mark up and would love to give you a quote to earn your business as we pride ourselves in merchant education and fair and transparent pricing. We only do cash discounting and interchange plus pricing and we have no termination fees. Our customers are free to leave at any time with no penalties.
Sincerely,
Janelle Thompson
Ryan
Mr. Pizza South
Jay McGraw of Pacific Payment Systems scammed me into a 48-month lease with Ascentium Capital at $300/ month ($15,000 total) for equipment that can be purchased for roughly $700-$800 total.
Jay cold called me June of 2020, while my small business was in government mandated shutdown, claiming he would save me a lot of money on credit card processing. He had me sign an application (which is what the top of the document says), assuring me that it was a no risk trial, and I could cancel at any time. He rushed me to sign over the internet (the first document that I had ever signed online in my life). The document was auto complete that you just click through and sign where needed. At the very end was a 48-month non-cancellable lease through a completely different leasing company (Ascentium Capital) that he does not mention is involved. In fact, he is not even an employee of leasing company. Therefore, he can tell you anything he wants to get you to sign and the third-party leasing company has me in a contract that I am still in. Any lies that he tells to get you to sign do not matter as he is not an employee of the leasing company!
To make things worse, my equipment is now malfunctioning, and I have to BUY a new credit card terminal for $250 while still paying the $300/month for equipment that does not work.
Lies Jay will tell you to get you to sign.
1. This is just and application for a trial that you can cancel at any time.
Actual: This is a two-year non-cancellable processing contract and a 48-month non-cancellable lease with a completely different company that you do not want to be involved with. Go look up Ascentium Capital on this site and you will see.
2. You can send in your equipment for new if you have any problems with it at any time.
Actual: You are paying the $15,000 lease for only the original equipment worth around$700 total! Any issues with the equipment and you have to buy new while continuing to pay the lease.
3. Jay says that he will save you money on your processing fees.
Actual: My bill came back charging me higher processing fees than my previous company, plus a $300/month 48-month lease. All completely non-cancellable.
4. Jay said that he would help me with any questions or issues that I had with my service or equipment.
Actual: Jay has not spoken with me since he scammed me in to signing the “application.” All of my calls and emails to him went unanswered to this day.
Jay will say that he is for small businesses, but he is actually out to destroy them with very shady sales practices.
I can honestly say that signing the application with Jay McGraw was the single biggest mistake of my entire life. Please do not make the same mistake.
Jay McGraw
Pacific Payment Systems
Judith, I do believe that your complaint was addressed and we did apologize for the mistake the rep made (who was new in training) and we canceled your account and refunded those two bills you as well. By all means please let us know if there is anything else we can do as we pride ourselves in having the best customer service and do not check review sites regularly.
Judith Anderson
When I was solicited over the phone, I was promised the equipment would work with my existing Elo cash register. I was sent equipment with a promise that I would receive support in setting things up. Neither of these promises were ever followed through. I called about where to return the equipment and sent e-mails. No response. I have sent several e-mails and made several calls to this company to cancel this service as I have not made one charge with it. I later received one follow up from a help-desk type person who said he would talk to someone about integrating the equipment. Its been over a month and no follow up call has ever been received. Only a second bill of $100+ for a service I have not been able to use.
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Jay McGraw
The review for MR Pizza South needs removed. I signed him up when I was working for Edje Solutions and NOT pacific payment systems. Ryan is a customer for Edje Solutions and thus review needs to be placed appropriately and with accurate information and not false info. I worked for Edje shortly during the pandemic correct and did do a lease with him but because he needed new machines in order to do cash discount but the changed his mind and didn’t want the customer to get upset so we switched him to tiered pricing, then he wasn’t happy with his bill because he started a promotion doing $4 slices which drove his transactions through the roof. I left Edje and he continued to work with their staff and team and a gentleman named Lucas to take care of the matter. From what I understand they ended up making him a great deal and even made an agreement to remove all negative reviews since he was happy. I do not know why 3 years later he is writing a review and naming pacific payment systems but this is entirely false and inaccurate information and needs to be addressed ASAP! Please feel free to contact me if you have any questions or want proof in regards to this matter. [Auto-moderated: contact information removed.]
Janelle Thompson
Ryan,
We do not have you or your business as a customer currently or at any time our company. We have contacted Jay to get a hold of you and this review site to clear this matter up. This review is not reflective of our company or practices and ask that this review be kindly removed. We do not even have a relationship with, nor ever had one with Ascentium Capital for equipment leasing. I am confident Ascentuium Capital will confirm this. We do apologize for any confusions and\or issues you may have had with whatever company you dealt with but this review needs to be removed. If you would like we would gladly offer to educate you on how billing works, costs associated and mark up and would love to give you a quote to earn your business as we pride ourselves in merchant education and fair and transparent pricing. We only do cash discounting and interchange plus pricing and we have no termination fees. Our customers are free to leave at any time with no penalties.
Sincerely,
Janelle Thompson
Ryan
Jay McGraw of Pacific Payment Systems scammed me into a 48-month lease with Ascentium Capital at $300/ month ($15,000 total) for equipment that can be purchased for roughly $700-$800 total.
Jay cold called me June of 2020, while my small business was in government mandated shutdown, claiming he would save me a lot of money on credit card processing. He had me sign an application (which is what the top of the document says), assuring me that it was a no risk trial, and I could cancel at any time. He rushed me to sign over the internet (the first document that I had ever signed online in my life). The document was auto complete that you just click through and sign where needed. At the very end was a 48-month non-cancellable lease through a completely different leasing company (Ascentium Capital) that he does not mention is involved. In fact, he is not even an employee of leasing company. Therefore, he can tell you anything he wants to get you to sign and the third-party leasing company has me in a contract that I am still in. Any lies that he tells to get you to sign do not matter as he is not an employee of the leasing company!
To make things worse, my equipment is now malfunctioning, and I have to BUY a new credit card terminal for $250 while still paying the $300/month for equipment that does not work.
Lies Jay will tell you to get you to sign.
1. This is just and application for a trial that you can cancel at any time.
Actual: This is a two-year non-cancellable processing contract and a 48-month non-cancellable lease with a completely different company that you do not want to be involved with. Go look up Ascentium Capital on this site and you will see.
2. You can send in your equipment for new if you have any problems with it at any time.
Actual: You are paying the $15,000 lease for only the original equipment worth around$700 total! Any issues with the equipment and you have to buy new while continuing to pay the lease.
3. Jay says that he will save you money on your processing fees.
Actual: My bill came back charging me higher processing fees than my previous company, plus a $300/month 48-month lease. All completely non-cancellable.
4. Jay said that he would help me with any questions or issues that I had with my service or equipment.
Actual: Jay has not spoken with me since he scammed me in to signing the “application.” All of my calls and emails to him went unanswered to this day.
Jay will say that he is for small businesses, but he is actually out to destroy them with very shady sales practices.
I can honestly say that signing the application with Jay McGraw was the single biggest mistake of my entire life. Please do not make the same mistake.
Jay McGraw
Judith, I do believe that your complaint was addressed and we did apologize for the mistake the rep made (who was new in training) and we canceled your account and refunded those two bills you as well. By all means please let us know if there is anything else we can do as we pride ourselves in having the best customer service and do not check review sites regularly.
Judith Anderson
When I was solicited over the phone, I was promised the equipment would work with my existing Elo cash register. I was sent equipment with a promise that I would receive support in setting things up. Neither of these promises were ever followed through. I called about where to return the equipment and sent e-mails. No response. I have sent several e-mails and made several calls to this company to cancel this service as I have not made one charge with it. I later received one follow up from a help-desk type person who said he would talk to someone about integrating the equipment. Its been over a month and no follow up call has ever been received. Only a second bill of $100+ for a service I have not been able to use.