Payment Processing Consultants, Inc. Review

Payment Processing Consultants, Inc. Overview

Payment Processing Consultants, Inc. May Have Overcharged You

If you accepted credit cards through Payment Processing Consultants, Inc. 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 Full-Service Merchant Account Provider

Founded in 1998, Payment Processing Consultants, Inc. is a merchant account provider that serves most standard-risk business types. The company is a reseller of First Data products and services, specifically Clover point-of-sale solutions.

Payment Processing Consultants, Inc. Location and Ownership

Payment Processing Consultants, Inc. is headquartered at 67 Monroe Ave. Pittsford, New York 14534, and is a is a registered ISO/MSP of Wells Fargo Bank NA, Walnut Creek, CA, and of Woodforest National Bank, The Woodlands, TX. Mike DiNardo is the CEO of Payment Processing Consultants, Inc.

Payment Processing Consultants, Inc. Review Table of Contents

  • Costs & Contract: Payment Processing Consultants, Inc. offers variable contract terms depending on each merchant’s business type and processing history.
  • Complaints & Service: Payment Processing Consultants, Inc. has received fewer than 10 public complaints.
  • BBB Rating: Payment Processing Consultants, Inc. currently has an “A+” rating with the Better Business Bureau and has received 0 complaints in the last 3 years.
  • Sales & Marketing: Payment Processing Consultants, Inc. 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 Payment Processing Consultants, Inc.
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Products & Services Offered

Types of Businesses Served

  • Retail
  • E-commerce
  • Mobile
  • MOTO

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Payment Processing Consultants, Inc. 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

Payment Processing Consultants, Inc. Contract Terms

There is no publicly available information about the standard Payment Processing Consultants, Inc. contract at this time. The company claims that it does not enforce long-term contracts, does not charge annual fees, and does not charge early termination fees, but it does not supply documentation in support of these claims. It is likely that the company customizes its pricing and terms according to each merchant’s business type, location, and processing history.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Payment Processing Consultants, Inc. 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 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

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. It is difficult to assess at this time whether PPC’s contract terms are competitive with the cheapest merchant accounts.

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Payment Processing Consultants, Inc. Complaints & Customer Reviews

Key Points

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

Low Complaint Total

We are currently able to locate only one negative Payment Processing Consultants, Inc. complaint, and this complaint does not accuse the company of being a ripoff or a scam. This lone complaint claims that the company shut off the merchant’s account abruptly and without warning after a period of inactivity. It appears to be an isolated incident and does not seem to reflect a broader issue at PPC.

Payment Processing Consultants, Inc. Lawsuits

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

Payment Processing Consultants, Inc. Customer Support Options

The Payment Processing Consultants, Inc. website provides general phone and email contact information but does not list a dedicated customer support number. We will award Payment Processing Consultants, Inc. 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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Payment Processing Consultants, Inc. 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

Clean Complaint Record

Payment Processing Consultants, Inc. has an “A+” rating with the Better Business Bureau and has been BBB accredited since 1999. The company has not received any complaints in the past three years. It also has received exclusively positive informal reviews.

An “A” Performance

Given the company’s clear complaint record, we agree with the BBB’s rating at this time. Merchants should note, however, that there are good reasons to be skeptical of the BBB’s rating system.

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Truth In Marketing & Advertising

Key Points

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

Inside Sales Team

Payment Processing Consultants, Inc. appears to rely on a combination of referrals and in-house staff 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 Payment Processing Consultants, Inc. complaints that report unethical behavior by the company’s sales staff.

No Misleading Quotes

Payment Processing Consultants, Inc. does not appear to engage in any deceptive advertising strategies in its official materials. If you suspect that PPC is charging you undisclosed fees, we recommend seeking a third-party statement audit to eliminate hidden charges.

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Our Opinion of Payment Processing Consultants, Inc.

A Reliable Option for Most Merchants

According to all available information, Payment Processing Consultants, Inc. 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, but its nearly clean complaint record is a very positive sign. 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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