Patriot Payment Group Review

By Phillip ParkerMarch 26, 2026

CPO was created by business owners to help others avoid unethical and expensive merchant account providers. To support the continued operation of this website we sell advertising to ethical... processors who have earned top marks in pricing, support, and business practices. Some of the recommendations found on this website may be paid placements.

UPDATE 2/4/2019: The Patriot Payment Group website is currently unavailable, and it appears that the site has been down since mid-2016. All available evidence indicates that Patriot Payment Group is no longer an active brand. The lone executive-level employee that has been publicly associated with Patriot Payment Group now appears to work at a company called PayDyne, LLC (topratedpointofsale.com). If you have any information about Patriot Payment Group’s current status (including any DBAs or rebrandings), please share it in the comment section below this review.

Patriot Payment Group and North American Bancard were ordered to pay a $3.7 million class action settlement in April 2017 after a merchant alleged that the company engaged in illegal telemarketing. Details of the settlement can be found here.

Patriot Payment Group (patriotpaymentgroup.com) is a merchant account provider headquartered in Dallas, Texas. “Powered” by PayProTec, Patriot Payment Group resells North American Bancard products and services. Patriot Payment Group is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, California, and is headquartered at 12100 Ford Road, Suite 200, Dallas, Texas 75234. The Better Business Bureau lists Jose Amador as the principal for Patriot Payment Group.

About The Author

Phillip Parker

CPO Creator & Founder

Since 2009, I have researched over 1,000 merchant services providers and published hundreds of payment education-related articles. This work has received national recognition, and my expertise in payments is regularly sought by large media outlets such as CNN, MSN, and INC Magazine, among dozens of others.

Shortly after graduating from college, I was recruited into a sales role with a credit card processor. Only later did I realize that the so-called "training" centered on selling expensive processing agreements... layered with hidden fees and long-term contracts. In my earliest transactions, I unknowingly steered friends and family into costly arrangements after they trusted my recommendation. When I fully understood the structure of what I had been selling, I resigned immediately and committed myself to exposing those practices. That commitment became the foundation of this website.

As Has Appeared In

About Us

CardPaymentOptions.com

Established 2009

This website was launched in 2009 as a modest blog dedicated to exposing questionable marketing and pricing practices within the credit card processing industry and how they negatively impact small business owners. What began as a side project has since evolved into a widely recognized platform advocating for transparency, accountability, and ethical standards in merchant services.

Our Research Methodology

Pricing & Fees

We analyze all costs including rate structures (interchange-plus, tiered, flat-rate, etc), monthly fees, equipment costs, early termination fees, and hidden charges. This data is gathered from service agreements, statements and client feedback.

Features & Technology

Evaluation of POS systems, e-commerce integrations, mobile capabilities, reporting tools, recurring billing..., and developer resources. When possible, we directly test services and hardware. Otherwise, we rely on client feedback and public information.

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