Regal Payment Systems Review

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How did they treat you?

Updated 1/25/2019: Regal Payment Systems has been acquired by C&H Financial Services. The Regal Payment Systems website now redirects to C&H Financial Services, indicating that the Regal brand has likely been retired. We will no longer update this review. Please refer to our review of C&H Financial Services for more up-to-date information.

Regal Payment Systems ( is a Columbia, Tennessee-based merchant account provider. Founded in 2007, the company is a reseller of First Data and National Processing Company (NPC) contracts. Regal Payment Systems is headquartered at 803 South Garden St., Suite 201, Columbia, Tennessee 38401, and is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA, and of First National Bank of Omaha, Omaha, NE. Les Kessler is listed as the senior vice president of Regal Payment Systems, while Karen Whiteley serves as the company's vice president of sales.

Regal Payment Systems Customer Reviews

Here's What Their Clients Say

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

We cannot locate any Regal Payment Systems negative reviews that accuse that company of being a ripoff or a scam. The company provides phone and email support information on its website, and it appears as though these channels are sufficient to resolve most merchant complaints in-house. Merchants may receive support through First Data or through NPC depending on which contract they sign, or Regal Payments may employ an in-house support staff. Regardless, there are no apparent issues with the company’s service at this time.

Regal Payment Systems Online Ratings

Here's How They Rate Online

Online Ratings Summary
Product & Service Complaints 1
Billing & Collection Complaints 0
Advertising & Sales Complaints 0
Guarantee & Warranty Complaints 0
Delivery Complaints 0

Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.

Regal Payment Systems has been accredited with the Better Business Bureau since September 2012 and currently boasts an “A” rating based on only one complaint in the last three years. This complaint was filed in relation to a problem with a product or service and either was not resolved to the satisfaction of the merchant or did not receive a final evaluation from the merchant. In light of this single complaint and its outcome, we have slightly adjusted the BBB‘s rating to an “A” for the purposes of this review.

Regal Payment Systems Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Swiped Rate Variable
Keyed-in Rate Variable
Early Termination Fee Variable
PCI Compliance Fee Variable
Equipment Lease Terms Variable

The Regal Payment Systems website provides the company’s contract terms through First Data and through NPC. The standard Regal Payments/First Data contract (available below) is a three- to five-year agreement with an undisclosed early termination fee. The company’s NPC contract (also available below) is a three-year agreement with automatic renewal for two-year terms, and it also includes an unknown early termination fee. Any equipment leases sold by the company will likely come with their own contract terms as well. The documents made available by Regal Payment Systems do not disclose exact costs of potential PCI Compliance fees, monthly minimum fees, or other fees, but we are not seeing complaints about these terms filed online at this time. If you have any specific knowledge of the rates and fees charged by Regal Payment Systems, please share that information in the comment section of this review. See the Regal Payment Systems First Data Program Guide and the Regal Payment Systems NPC Contract.

Regal Payment Systems Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms No

Regal Payment Systems appears to utilize independent sales agents and ISOs to market its services, although the exact nature of the company’s ISO program is unclear at this time. The use of independent resellers often generates complaints for companies, as it is difficult for any organization to closely supervise the conduct of outside sales teams. In this case, however, we cannot find any negative Regal Payment Systems reviews that accuse the company’s sales team of unethical sales practices. Regal Payments Systems also does not appear to engage in any deceptive advertising strategies in its official materials. We have therefore assigned it an “A” rating at this time.

Our Regal Payment Systems Review Summary

Our Final Thoughts

Regal Payment Systems rates as a reliable merchant services provider according to our criteria. The company is showing nearly zero complaints online and appears to offer industry-average contract terms. Our overall rating for Regal Payment Systems may be subject to change once more specific information is known about its pricing.

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Testimonials & Complaints

How Did Regal Payment Systems Treat You?

1 User Reviews

  • Walker Carrie

    Regal Payment Systems has been a game-changer for my business! Their seamless and secure payment processing solutions have simplified transactions, giving my customers a hassle-free experience. From the moment I partnered with Regal, I noticed a significant increase in sales and customer satisfaction.

    The user-friendly interface of their payment platform makes it a breeze to navigate, saving me valuable time during my busy workdays. Moreover, their prompt and efficient customer support team has always been there to address any questions or concerns, ensuring a smooth operation.

    With Regal Payment Systems, I no longer worry about payment hiccups or security issues. It’s such a relief to have a reliable payment processing partner that I can trust. I highly recommend Regal to any business looking for top-notch payment solutions that elevate the customer experience!

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