Update: Retriever Payment Systems no longer operates as a unified organization, but there are multiple independent offices across the country that still use the Retriever brand name. We have left this review up as a general resource for merchants, but we have also published reviews of several individual Retriever offices. Comments on this review are now closed; please see if we have already published a separate review for your specific Retriever office:
- Retriever of Waterville, Ohio (nationalpaymentcorporation.com), now known as National Payment Corporation
- Retriever Merchant Solutions of South Holland, Illinois (rmsnpc.com)
- Rectangle Health of Valhalla, New York (rectanglehealth.com), formerly known as Retriever Medical/Dental Payments, Inc. of Valhalla, New York
- Retriever of Orlando, Florida, and of Memphis, Tennessee (localccprocessing.com)
- Payroc (payroc.com), formerly known as Retriever Payment Chicago of Geneva, Illinois
- ConsumerPay (consumerpay.net), formerly known as Retriever of Jackson, Mississippi
- Retriever of Concord, California (retrieverps.com)
Originally founded in 1993, Retriever Payment Systems was a merchant account provider that was purchased by Iron Triangle Payment Systems in 2006 and subsequently converted into a subsidiary of National Processing Company (NPC), which itself is now a part of Vantiv. Although there is no longer a single, unified organization named “Retriever Payment Systems,” there are multiple independent sales offices across the country that still use the Retriever name and logo. Despite the fact that they share the Retriever brand, these offices function independently of one another. They do not report to a shared parent organization.
This review was originally intended to cover Retriever Payment Systems as a single organization. In light of the fact that there is no longer a unified entity known as “Retriever Payment Systems,” this review will now serve as an overview of all Retriever locations. Merchants should note that pricing, hiring practices, and customer service will vary between the separate Retriever offices; however, we believe that these offices will share certain characteristics as resellers of NPC/Vantiv contracts. NPC is a registered ISO/MSP of Vantiv (formerly Fifth Third Bank). James Oberman is listed as the executive vice president of NPC while Thomas A Wimsett is the president and CEO.
Retriever Payment Systems Point of Sale
Retriever Payment Systems solutions support all payment platforms including EMV, PIN debit, contactless, Bluetooth, Apple Pay, Google Wallet, PayPal, QR Code, and MSR (magnetic stripe). They offer full-range EMV-enabled countertop POS terminals, PIN Pads, and wireless solutions and peripherals to businesses in the Bay Area, including Concord, San Francisco, and beyond.
Retriever Payment Systems offers a wide range of payment processing solutions for businesses of all sizes. They support various payment types, including credit and debit cards, ACH transactions, and contactless payments. The company aims to provide fast, secure, and reliable processing to help businesses increase their revenue and enhance customer satisfaction.
Mobile and E-commerce Solutions
Understanding the importance of mobile and online transactions, Retriever Payment Systems provides businesses with the tools necessary to accept payments across multiple channels. Their mobile payment solutions allow merchants to process transactions on the go, while their e-commerce solutions enable businesses to accept payments through their websites, ensuring a seamless and secure online shopping experience for customers.
Security and Compliance
To protect both businesses and their customers, Retriever Payment Systems emphasizes the importance of security and compliance. The company adheres to industry standards and best practices, such as the Payment Card Industry Data Security Standard (PCI DSS). This helps to safeguard sensitive data and reduce the risk of fraud and data breaches.
|Detailed transaction reports.
|Potential technical issues.
|Fast transaction processing.
|Transaction fees apply.
|Enhanced security features.
|Multiple payment options.
|Integration with accounting systems.
|Limited offline functionality.
Retriever Payment Systems Customer Reviews
Here's What Their Clients Say
|Total Online Complaints
|Live Customer Support
|Most Common Complaint
Moderate Complaint Total
We are currently able to locate over 70 Retriever Payment Systems reviews on this and other consumer protection websites, and many of these reviews accuse the company of being a scam or a ripoff. Common themes among complainants include deceptive sales tactics, expensive contracts, poor customer service, and unprofessional conduct by the company’s employees. Retriever Payment Systems representatives have responded to some of these complaints with varying degrees of sincerity and helpfulness. The primary issues generating complaints about Retriever appear to be its sales practices and its contract terms, which do not appear to have shown much improvement since we first published this Retriever Payment Systems complaint. It should be noted that some Retriever complaints may be filed against NPC rather than Retriever, as NPC provides the actual merchant accounts for the company. If you have your own Retriever Payment Systems review to make, please do so in the comment section below.
Retriever Payment Systems Online Ratings
Here's How They Rate Online
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.
Retriever Payment Systems has several Better Business Bureau profiles because of offices located in several states, but it shares its main BBB profile with National Processing Company. As of this review, the BBB has cleared the profile for updating, but at our last review, they reported an “A+” rating with 170 complaints filed in the last 36 months (down from 268 as of our last review).
A “C” Score
Although some of these complaints may not have originated with the service provided by Retriever Payment Systems, Retriever is linked closely enough to National Processing Company that we will also award it a CPO-adjusted BBB score of “C.”
Retriever Payment Systems Fees, Rates & Costs
A Closer Look at The Contract
|Depends on local office
|Monthly & Annual Fees
|Depends on local office
|Depends on local office
|Depends on local office
Retriever Payment Systems Contract Terms
According to multiple complaints, the standard Retriever Payment Systems rates and contract involve an automatically renewing three-year agreement through National Processing Company with an early termination fee of at least $250, a PCI Compliance fee of $49-$180 per year, an annual fee of $99, PCI non-compliance fees of $19.95 per month, and other smaller fees. These terms may vary depending on the agent and office setting up the account, but we have seen Retriever Payment Systems reviews that report a sales agent crossing off or altering a term in the contract only for it to be enforced later. Business owners are encouraged to negotiate terms strongly and follow up on any alterations to the standard language.
Leasing Through Retriever
There are multiple Retriever Payment Systems reviews online that claim that Retriever Payment Systems signs merchants up for 48-month, non-cancellable equipment leases through Lease Finance Group, a DBA of Northern Leasing Systems. Aside from the poor contract terms, Northern Leasing is notorious for poor service, deceptive advertising, and costly equipment. Retriever Payment’s rating in this section and its rating overall has been lowered due to the reports linking its various locations to Northern Leasing. We encourage business owners to check out our list of the providers of the best merchant services.
Retriever Payment Systems Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Uses Independent Resellers
|Discloses All Important Terms
In-House and Outside Sales Teams
Retriever Payment Systems appears to utilize a combination of in-house agents, telemarketing, and independent sales agents to market its services. Generally speaking, this combination usually results in high complaint rates for a company, and Retriever Payment Systems appears to be no exception. There are currently numerous Retriever Payment Systems reviews online that describe nondisclosure of fees, misrepresentation of terms, unprofessional conduct, and deceptive sales tactics by the company’s sales agents. These issues have been consistently reported over time and do not appear to be tied to a specific agent or office. This does not compare favorably to our list of best credit card processors.
One of the Retriever Payment Systems websites (goretriever.com) advertises rates that “start at 1.35%” on its homepage. This figure is the company’s rate for signature debit transactions, and the website makes no mention of the higher “Qualified,” “Mid-Qualified” and “Non-Qualified” rates that clients will pay on the majority of their transactions. We consider this type of rate quoting to be deceptive, since it may give businesses an unrealistic expectation of the rates they will be charged. This is consistent with a number of Retriever Payment Systems complaints that mention their various offices charging undisclosed fees.
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