PPS USA, formerly known as Prestige Payment Systems, LLC (ppsusa.com), is a merchant account provider serving a wide range of business types. PPS USA is a reseller of Elavon’s merchant services. Founded in 2006, the company is located at the address 1080 South La Cienega Blvd Suite 301-305, Los Angeles, California 90035. Izak Zabek is listed as the president and CEO of PPS USA, which is a registered ISO/MSP of Elavon.
PPS USA changed its original name in order to differentiate itself from a different Prestige Payment Systems (affordablepaymentsolution.com) located in Portland, Oregon. The two companies are not related, as Prestige Payment Systems of Portland is a subsidiary of National Payment Systems. Prestige Payment Systems of Portland has a very negative reputation among merchants and has received numerous complaints related to its sales practices and contract terms. Merchants are cautioned to read complaints filed against “Prestige Payment Systems” carefully in order to determine which company is the subject of the complaint. We will refer to PPS USA by its new name throughout this review in order to clarify which provider we are discussing.
- High risk
Sales & Marketing
Key Points - Sales & Marketing
|Employs Independent Resellers||Yes|
|Advertises Deceptive Rates||No|
|Discloses All Important Terms||Yes|
PPS USA appears to rely on traditional advertising and a team of independent sales agents to market its services. The use of independently contracted resellers commonly results in complaints from merchants, but we are unable to locate any PPS USA reviews to that effect. There is only one complaint related to PPS USA’s marketing strategy, and this complaint describes persistent, unwanted telephone calls from a California area code. PPS USA’s representatives have denied repeatedly that the company uses a call center for outbound telemarketing, so it is possible that the complainant is mistaken about the identity of the company calling him. One positive sign about PPS USA is that it does not utilize any deceptive advertising strategies on its website. We therefore award it an “A” rating in this category for the time being.
Costs & Contract
Key Points - Costs & Contract
|Early Termination Fee||Variable|
|PCI Compliance Fee||Variable|
|Equipment Lease Terms||Variable|
PPS USA resells Elavon contracts, and a company representative has stated in the comment section of this review that the company’s standard agreement may be cancelled at any time. Whether PPS USA charges an early termination fee, PCI Compliance fee, or monthly minimum fee is unknown at this time, but there are currently no complaints to be found online about its contract terms. The same company representative has stated that PPS USA resells equipment leases through Ladco Leasing, but that the monthly fees on these leases are capped. Merchants are still encouraged to purchase rather than lease terminals whenever possible.
Elavon offers a wide range of contract terms and has recently done away with its early termination fee in some cases, so it’s possible that PPS USA offers fairly competitive rates and fees for the industry. If you have any specific knowledge of the standard PPS USA contract, please leave that information in the comment section of this review.
Complaints & Service
Key Points - Complaints & Service
|Total Online Complaints||<10|
|Live Customer Support||Yes|
|Most Common Complaint||N/A|
We are currently able to locate a handful of PPS USA complaints, but it is unclear how many of these are directed at the company in this review. Most of the negative reviews accusing the company of being a scam or a ripoff appear to be intended for the Vancouver-based Prestige Payment Systems, which is not affiliated with the company under review in this article. One or two complainants may be referring to PPS USA, which is headquartered in Los Angeles, but the complaints are not specific enough for us to make a determination either way. Even if we assume the worst about these questionable complaints, PPS USA has a low complaint rate for its time in business. Common issues include difficulty cancelling service or resolving billing disputes, but again, these problems may not actually be related to Prestige Payment Systems of Los Angeles. The company’s website lists phone and email contact information, indicating that live support may be available for the company’s clients.
Key Points - BBB
|Product & Service Complaints||1|
|Billing & Collection Complaints||0|
|Advertising & Sales Complaints||0|
|Guarantee & Warranty Complaints||0|
PPS USA has been accredited with the Better Business Bureau since 2010 and is currently showing an “A+” rating. Only one complaint has been filed in the past three years, and this complaint was actually intended for the Portland-based Prestige Payment Systems. When a PPS USA informed the complainant of this, the complainant accepted the response. By contrast, the Portland-based Prestige Payment Systems has a “A-” with the BBB due to 17 complaints filed within the last three years. Given the fact that Prestige Payment Systems of Los Angeles has zero valid complaints, we agree with the BBB’s rating.
About Phillip Parker
Phillip Parker is a former merchant services agent turned small business advocate and the author of "Fee Sweep," which teaches merchants how to dramatically lower their processing rates, eliminate junk fees, and avoid fine-print scams. He founded CardPaymentOptions.com to help merchants enact positive change in the credit card processing industry. Schedule a Consultation with PhillipSchedule a Consultation with Phillip
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