Premier One Payments Overview

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Serving Hard-to-Place Business Types

Located in Chatsworth, California, Premier One Payments is a merchant account provider that specializes in high risk processing solutions. Premier One Payments formerly operated under the name “Trust Payments” but appears to have rebranded in 2017. The company particularly emphasizes its ability to provide collections merchant accounts, e-cigarette merchant accounts, payday loan merchant accounts, and multi-level marketing merchant accounts.

Partnered With Multiple Banks

Premier One Payments does not list a backend processor or an acquiring bank on its website, but it’s likely that it maintains multiple banking relationships in order to place different high risk merchant types. Daniel Gomez is the vice president of national sales at Premier One Payments, which is headquartered at 9400 Topanga Canyon Blvd, Chatsworth, California 91311.

Premier One Payments Review Table of Contents

  • Costs & Contract: Premier One Payments offers variable pricing and contract terms depending on each merchant’s business type.
  • Complaints & Service: Premier One Payments has received fewer than 10 public complaints.
  • BBB Rating: Premier One Payments does not have a profile with the Better Business Bureau at this time.
  • Sales & Marketing: Premier One Payments appears to hire independent sales agents but has not received any complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Premier One Payments
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Products & Services Offered

Types of Businesses Served

  • High risk
  • E-commerce
  • Offshore
  • E-cigarette
  • High volume
  • Credit repair

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Premier One Payments Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-In Rate 1.00% - 4.99%
Early Termination Fee Undisclosed
PCI Compliance Fee Undisclosed
Equipment Lease Terms Undisclosed

Custom Pricing

There is very little publicly available information about the standard Premier One Payments contract at this time, and the company does not provide any of its pricing details for public viewing. Premier One Payments’s focus on high risk business types likely requires multiple processing partnerships, which could cause its pricing and fees to vary. In addition, high risk businesses are often evaluated on an individual basis according to their business types, processing histories, and amount of time in business. This means that Premier One Payments likely customizes its pricing for each individual merchant.

Higher Risk, Higher Fees

Merchants should be aware that it is common for high risk merchant accounts to charge higher fees than standard risk accounts due to the increased potential for chargebacks. For this reason, merchants should not expect Premier One Payments to offer pricing that can compete with the cheapest merchant accounts in the industry.

No Contract Complaints

We are unable to locate any complaints related to Premier One Payments’s contract terms at this time, so we will assume that most of the company’s merchants are satisfied with the rates and fees they pay. If you have any specific knowledge of the standard Premier One Payments contract (including any early termination fees, PCI compliance fees, or monthly minimum fees), please share that information in the comment section below this review.

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Response from Premier One Payments

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Premier One Payments Complaints & Customer Reviews

Key Points

Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

Clean Complaint Record

We are unable to locate any negative Premier One Payments reviews, and there is no evidence to suggest that the company is a scam or a ripoff. Regardless of how large the company is or how long it has been in business, a clean complaint record is an uncommon achievement among high risk specialists.

Premier One Payments Lawsuits

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

Premier One Payments Customer Support Options

Premier One Payments offers a phone support number on its website, but it may also outsource after-hours customer support to its partner banks. This level of support is consistent with that offered by payment processors with great customer service reputations. We have therefore assigned the company an “A” rating in this category.

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Response from Premier One Payments

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Premier One Payments BBB Rating Summary

No Profile Available

The Better Business Bureau does not maintain a profile for Premier One Payments at this time. We therefore will not factor a BBB rating into this review.

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Response from Premier One Payments

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Truth In Marketing & Advertising

Key Points

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

No Sales Complaints

Premier One Payments appears to market its services through a referral program, an independent sales agent program, and traditional advertising. The use of independent sales agents is commonly linked to elevated complaint rates within the credit card processing industry. However, we are unable to find any Premier One Payments complaints that accuse the company’s sales team of unethical conduct. This suggests that Premier One Payments may provide better-than-average oversight and training for its independent agents, or that the company has a very small team of independent agents.

No Red Flags

As an additional point in the company’s favor, we cannot find any misleading rate quotes or unrealistic guarantees on the Premier One Payments website. Premier One is therefore worthy of an “A” in this section by our standards. If you suspect that Premier One is charging you undisclosed fees, we recommend seeking an independent statement audit to find and eliminate fees.

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Response from Premier One Payments

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Premier One Payments Logo

Our Opinion of Premier One Payments

A Good Option for High Risk

Premier One Payments rates as a reliable high risk merchant services provider according to all available information. The company is not showing any public complaints, but we are unable to verify any details about its contract terms at this time. Premier One appears to perform at a level comparable to the top high risk processors. Even when dealing with “A” rated providers, merchants are advised to request and review all relevant documentation.

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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.

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