SekureCard / Sekure Merchant Solutions Review


SekureCard Services (, Sekure Merchant Solutions (, and Sekure Cost Review ( appear to be the same merchant account provider operating in the U.S and possibly Canada. SekureCard (also spelled Sekure Card) and the other two companies present themselves as referral agents for multiple processors, but there is a significant amount of evidence online indicating that they are all primarily resellers of North American Bancard’s services. Headquartered in New York City (sources indicate an office in Montreal as well) the companies do not disclose the identities of their executive leadership.

SekureCard / Sekure Merchant Solutions Products and Services


  • Retail
  • Mobile
  • E-commerce
  • Restaurant
  • Grocery
  • Petroleum

Sales & Marketing

Key Points - Sales & Marketing

Uses Independent Resellers Yes
Promotes Deceptive Rate Quotes No
Discloses All Important Terms No

SekureCard appears to market itself primarily through telemarketing. The vast majority of complaints about the company cite aggressive, repeated sales calls from SekureCard representatives, sometimes in defiance of merchant requests to stop calling. Although this problem should be easily corrected and indicates a troubling lack of organization within the company, a larger problem with SekureCard has to do with how it represents itself.

Both the SekureCard and Sekure Merchant Solutions websites emphasize the company’s mission to educate merchants and lower their rates, even including prompts for merchants to undergo a free initial statement analysis. These websites generally push a message of merchant advocacy, presenting the company as more of a referral service than a sales organization. The trouble with this representation is that we have located multiple sources online indicating that SekureCard is simply a reseller of North American Bancard’s merchant services. If this is the case, then SekureCard is going to great lengths to paint itself as something it is not. There is currently no mention of North American Bancard on the SekureCard websites, and the company does not disclose at any point that it is affiliated with any one particular processor. Some merchants have reported receiving service from both Global Payments and North American Bancard through SekureCard, but North American Bancard is simply a reseller of Global Payments. As far as we are able to determine at this time, SekureCard’s primary mission is to sell North American Bancard contracts, and merchants should keep this in mind when they receive a call from the company.

SekureCard / Sekure Merchant Solutions Marketing Example


Costs & Contract

Key Points - Costs & Contract

Swiped Rate Variable
Keyed-in Rate Variable
Termination Fee Liquidated Damages
PCI Compliance Fee Variable
Equipment Lease Variable

According to merchant complaints, the standard SekureCard contract appears to be a three-year agreement through North American Bancard with a Liquidated Damages early termination fee, expensive tiered pricing, and various other fees. We are unable to locate specifics about PCI Compliance fees or monthly minimum fees because these terms possibly vary depending on a merchant’s size, business type, and time in business. It should be noted that we have found no evidence of SekureCard providing a merchant account through any other providers besides North American Bancard.

The primary factor lowering SekureCard’s rating in this section is its apparent inclusion of a Liquidated Damages clause in its contracts. A Liquidated Damages fee is calculated by taking either a set amount (sometimes about $25) or a merchant’s average monthly processing costs and multiplying that amount by the remaining months in a contract. This effectively forces a merchant to buy out the rest of his or her contract upon early cancellation, and it can cost merchants in excess of $900. We consider this type of fee to be excessive and have accordingly lowered SekureCard’s rating.


Complaints & Service

Key Points - Complaints & Service

Total Complaints 30+
Live Customer Support Yes
Most Common Complaint Sales Tactics

There are currently over 30 SekureCard negative reviews online, many of which accuse the company of being a scam. By far the largest issue mentioned by complainants is the company’s telemarketing strategy, which they allege is generally aggressive, deceptive, and rude. Additional issues include extremely high cancellation fees, increased rates after signing, and difficulty cancelling service. We have also found some positive testimonials about SekureCard’s services, although the validity of these reports is usually called into question by other reviewers. Overall, the company’s inability to effectively regulate its sales calls reflects poorly on its customer service, but there are not many complaints directly criticizing the company’s customer service. SekureCard therefore received an average “C” grade in this section.



Key Points - BBB

Product & Service Complaints 20
Billing & Collection Complaints 4
Advertising & Sales Complaints 35
Guarantee & Warranty Complaints 1
Delivery Complaints 0

SekureCard Services (listed as Sekure Merchant Solutions on its profile) is an accredited business with the Better Business Bureau. As of this review, the company has an “A+” rating with the BBB and has had 60 complaints filed against it in the last 36 months (up from 32 as of our last review). Thirty-five of those complaints stemmed from advertising or sales issues, four from billing or collection issues, and another 20 from problems with Sekure’s products or services. Of the total complaints, 31 were successfully resolved, while 29 either were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant. SekureCard has also received 43 positive informal reviews on its profile as well as 15 negative reviews. The sharp increase in complaints filed against the company (31 in the last year) appears to be mostly related to its persistent telemarketing efforts and phone support. In light of this information, we have adjusted the BBB’s rating to a “C.”

Sekure Card Services Logo

SekureCard / Sekure Merchant Solutions Bottom Line

SekureCard rates as a slightly worse-than-average merchant services provider according to our rating system. The company appears to market itself very deceptively, as all available evidence indicates that it is a North American Bancard reseller rather than a merchant advocacy/referral agency. The company’s contract terms are also apparently very costly. SekureCard is showing an increasing number of online complaints, and its rating is trending downward.

Hi, I’m Phillip and I’m disgusted by the state of credit card processing in the U.S. and abroad. I believe that the industry has been overrun by people who engage in fraud and deception in order to steal money from hard working business owners. I’ve made it my mission to expose the companies and individuals who engage in predatory marketing, pricing, and contracts, or just provide terrible service. Along with uncovering the bad guys, I’ve also discovered the good guys who do stand out from the status quo. CPO is a website where you will find ratings and reviews of these companies along with advice on how to save money and which service providers consider. Together we can move the industry in a positive direction. If you would like to help support my work, please checkout “Fee Sweep” my eGuide to getting the lowest possible fees when accepting card payments. If you haven’t heard of “interchange” this advice will save you hundreds, even thousands, in processing fees.

Schedule a Consultation with Phillip

42 Reviews Leave Your Review Below

  1. While having some problems with vpos I talked with Everald Ellis. He was very helpful and professional and the issue was resolved.

    1. Hi Pam,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  2. I’m just trying to get them to stop calling. Wow, the phone rep will not answer any questions. The rep keeps talking about a “mandate” and regulations they will verify…attempt at scare tactics, super crazy.

  3. I would steer clear of this company…strong inclination they may be an equipment leasing company or someone with strong ties to them and trying to go back after their clients for their processing accounts..some merchants were told they would get a overall rate of 1.2% but was really set up at 120 basis points over interchange which cost them much more money. Merchants are switching back after seeing the first months bill. Usually they have to close their checking account too so they don’t bill them an undisclosed fee for early termination. STAY AWAY AND SAVE YOUR SELF THE NIGHTMARE.

  4. Received a call from the company asking to compare rates. I let them, and sure enough they were able to offer a lower rate than what I was paying. I decided to make the switch as I was comfortable with using North American Bankcard as a processor. Set up was easy and everything went fine… That was until they decided to change their fees while under contract. In my contract there weren’t supposed to be any annual fees, but sure enough I got charged with one. When I called to correct the issue I was told that it wasn’t possible that my contract stated no annual fees (I still have my contract). I told them they violated the contract and they need to either correct it or cancel my service. They eventually canceled my service and charged me nearly $650 in cancellation fees. It’s not worth my time to take them to court, but I will never do business with this company again, they are garbage.

  5. I got one call and an email. If I was interested I would have responded. Duhh. While working I received about 8 calls a day for several days. I finally answered out of frustration. They had all my personal information and the guy would hardly let me speak. I thought I would think about the numbers he had to offer but his nasty attitude overshadowed the whole experience. Simply put the experience was nothing more than rude solicitations that I didn’t even ask for.

  6. Awful pushy and persistent. I’ve received at least 5 calls in the past week all during all of which I’ve asked for more information through email. After I finally received the email, I was called to verify I’d received it (which I did and responded with a request to be removed) and I said , “Yes and I replied and said that we weren’t interested and to remove us from your list.” She then proceeded to try and sell/tell me all the great benefits again at which point I hung up.

  7. When I told them I was going to review the information and we would let them know in our own time if we were interested or not, Lee Cassidy at extension 134 insulted me by saying I was not smart enough to see the great deal they were offering and then hung up on me.

  8. Trying to be as pragmatic as possible, I understand everyone’s complaints about their sales tactics. GOT IT! However, while persistent, they never treated me to bad. In the end, I sent them my rates which I know are really, really low and they beat them. I am waiting to sign, and doing more due diligence but so far they are proposing a lower rate period.

    So do I care that they are really just representing NorthAmerican? I really don’t care since they Sekure is who I contact for support.
    Most if not all of the comments here relate to sales NOT actual customer experiences, which is unfortunate for those like me who can get past
    the sales crap and just look at better rates.

    If I do move ahead, I will certainly let folks know how my experience is.
    Portland, Or
    The Mattress Guy

  9. Companies reps lie and say they’re based out of NY but are infact located in Mtl, Canada. They resell for a processor called North American Bancard, also known as NAB. They have very poor customer service. They also lie and say that their rates are guarnteed for 3 years when they’re not. Don’t do business with tgem. Stay away. Buyer beware.

    1. Mike, what are you basing your information on? I am thinking of going with them and they do put in writing that they guarantee their rates. But you say they are not really. So what are you basing that comment on? I hate to press, but so many comments in here are based on very general statements without any discussion about how you conclude your information. So for it to be helpful to me, please expand. That way I can challenge them if your information is real.

      The Mattress Guy

  10. I received a phone call from Don from Sekure Merchants Solutions today. Giving me the same information as the previous clients have given. I was told that I would be put in with us with other merchants to get us the prices to do our processing. He said he talked to me back in October, but I don’t remember talking to them. May have been by another name. He also told me the same as Chloe Jones that they would put us with other companies worth $5 to $20 million in monthly processing to get us lower rates. I have heard this before and I told him I wasn’t interested. I have gone through this man;y times and have always gone back to the processor we have. I know that we may pay a few dollars more than what they say we will be saving with them but I know somewhere’s down the line we will slowly creep up and pay the same or different fees with them. I did tell him I am not interested but he still wants me to fax over a copy of our most recent statement so they can give me a review of all the savings they can give us. I will tell him no today and see what happens from there. If I don’t send it to him by 2 pm today he will call me to find out why and to see if I am going to send it to have them process it. I think I will stand clear of this company. More bad review vs good. Myself and our company don’t need the hassle and lies.

  11. Harassing phone calls. I finally answered phone and requested information – agent hung up on me. DANGER signal. What happened to no-phone solicitation? This company is an example of why these regulations are necessary.

    1. So many phone calls! Then the last call came up as a private number…they had to switch it up because I was blowing the other calls off
      from caller ID. He’s nice as pie when I answer and I said that we were not interested…so he hangs up.. If I could reach my hand through the
      phone I would have. What a scam!!! Do not waste your time or energy on them. I had asked previously to have our number removed from the
      list…that just increased the calls!

  12. Looks like they are marketing themselves as “Sekure Cost Review” now. Maybe they had too many poor reviews with the ‘Secure’ spelling. They are pushy to the extreme. They refuse to accept ‘no’ as an answer and will talk you into either hanging up on them (must be a badge of honor) or succumbing to the dark side. Stay away. Period. If you go with these guys you deserve everything that is coming your way, and it probably won’t be lower rates and top notch customer service.

  13. I was offered $5000 to sign with them + a lower rate than I have now, even though they don’t know what my rate is. When I told the caller he must think I am stupid, he went off on a rage! I spoke with supervisor & made sure she knew to not ever contact me or my company again. I thought I had heard it all after 26 years in business. This company takes the cake! The fax they sent me says the company is Secure Cost Review. They had actually called so many times over the last week or so that my employees had become irritated, especially with their rudeness.

    1. Mike,
      They don’t need to know your current rate. In May I sent them my April statement and they came back with a proposal that was about 20% lower. On July 20 they called me and said NBA lowered its rate and they sent me a new proposal that was lower. I replied to them that I had since changed processors. I sent them the previous month’s new processor’s statement and they came back lower. Two proposals, one week apart substantially different. As a result of this plus their aggressive sales pitch, I don’t trust them.

  14. Wow, all this is interesting! The gentleman who called me has been terrifically polite. His email was courteous and not at all pushy. When i asked him to call back in a week, after we discussed it in our meeting, he did so. When i apologized and said i wasn’t ready yet, he asked me when would be the best time to call back. I’m surprised to hear all the above; they must have gotten at least one new salesperson. Well, thank you for the warnings: i’ll proceed with extreme caution, and tell my boss all that you’ve said.

    1. Hi Peggy,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  15. Very satisfied with their customer service, and the service itself. Credit card processing is very expensive and they have saved me from the lying processors that harass me. Highly recommended.

    1. Hi Amanda,

      Please respond to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  16. They lie and tell you that they dont work for a processor but they do, its called North American Bancard. They also tell you that the rates theyve gotten for you are locked in for 3 years. Thats also a lie. Stay away.

  17. I was contacted by this company and said that I would provide a report to them the next morning. Then I received some projects with deadlines and some important phone calls that required my immediate attention. The company called me back a couple times a day. When I was finally free for a moment to take the call, I apologized for not getting my report to them. Doris Kappa was snotty and condescending that I really did have projects that were a priority. I hung up at that point. I don’t need to be bullied by a sales person. She then sent me an email “Judy, it may not be your priority but it is mine. When you say you are interested in and will send the merchant statement by the end of the day get everything ready so when I get the document I start work on the calculation right away to send it to you as soon as possible! it seems easy task for you maybe but it is not for us. ” I have no time for these people! Rude & pushy.

  18. I get calls daily even though I made it clear that I would get back to them with my decision. They call 4 to 5 times a day. Extremely pushy. For this reason I will not do business with them. If their services are as good as they claim they should not have to badger people for business, At this point I don’t care how good their rates are. I just want them to go away.

  19. They call incessantly day after day for months. They are ALL liars!! They will tell you ANYTHING to get you to sign the agreement. DON”T DO IT!!!

  20. NON STOP phone calls. I’m looking for a complaint number now and figured I’d write this too. Very pushy and rude. Talk to me like I was stupid, when really I knew what was really going on!!! Scam.

  21. I requested follow up information from my first call, which was promised. I then received repeated, overly aggressive, almost combative calls from sales reps. I told them multiple times to stop calling me and they stopped for a few months. Now, I am getting daily calls from a very rude man who was continuing to argue as I hung up, insisting they weren’t trying to sell us anything. Stay very far away from this company.

  22. I had a called from them a few days ago, saying that my rate has gone up, and that they could give me a lower rate. They wouldn’t leave me alone until I took a look at the analysis, that bugged me the most, since I didn’t want to hear their calls anymore and I am only a small business.. I asked them to send me an email. They sent one. I thought about it, a few days later..I sent them a recent statement that they needed to do the analysis. A few days later I received my analysis and I was greatly appreciated by it, they got to lower my rate by a lot, close to .80%! I mean, it did sound sketchy at first, because I am thinking why are they calling me on a phone, couldn’t they at least walk-in? But at the same time, they are just brokers, and they shop for lower rates for businesses…no harm done.

  23. We received a cold call from a salesman requesting our credit card sales information. We took his email and told him we’d send it to him when we got a chance, have received four calls in two business days asking when the email would be sent. I asked him to stop calling and he called back immediately. I definitely believe the review from the woman who worked for the company saying many of the people there were high, this man definitely had the angry mood swings of an addict.

  24. This company is based in Montreal and the people working there are all from Montreal, they only target the USA and not canada. It is very obvious there is something fishy in the way they do business! I worked there for half a day, I was disgusted and I could see how horrible this company does business.
    My advise for you is to say “stop these calls or I will REPORT you” this is the only way they would remove you off the calling list.
    I hope this helps..

  25. I received 2 calls from this company. The first was from an account manager who I allowed to push me into finding my credit processing information. When he asked me to give him all of that financial information ASAP I told him that I wasn’t comfortable giving that information so quickly to someone who solicited me and not the other way around. He then had his senior account manager, Jeremy Barnoff, call me and send an email to me to obtain that information. I told him that I would look at it and think about it, when I told him that he wanted to send me a 2nd email with more information. He did that I I was able to get off the phone. He then called back the next day and I told him I had his information and wasn’t ready to pass along my information to him since I wasn’t actively seeking anything. He continued with the most incredibly rude line of questioning, attacking, etc. towards me. I tried to politely tell him that he was not going to get anywhere with me with those tactics…HE CONTINUED EVEN MORE AGGRESSIVELY. If ever Jeremy Barnoff calls you, HANG UP! Don’t try to be polite, don’t even try to be direct, this guy is unbelievable!!!!

  26. I can’t say I believe this review. I’ve heard that in order to have a good review on this website companies are blackmailed into paying a certain amount and if they don’t pay up you give them bad reviews. Is this true?

    1. Hi Rosie,

      We have seen providers that score poor ratings in our reviews tell this falsity to their prospective customers and I would caution you in working with anyone who would lie to you as this person has. We do not accept payment or bribes of any kind in exchange for ratings, good or bad. In fact, I challenge any provider to supply evidence that we have ever accepted a bribe. Unlike most of the review websites for the merchant processing industry, we value our reputation as an unbiased resource for business owners.

      Would you mind telling me who told you this mis-information?

    2. Rosie, as a former customer of Sekure Merchants, I can tell you they are true, but if you don’t believe us go ahead and try them, I think you have 30 days to get out of the contract, just keep that in mind.

  27. I worked at secur for 4 months. We are taught to be aggressive. We are not to let the potential customer out of the phone call or accept no for an answer. We were firmly instructed not to place anyone on the do not call list even if they requested. We were also told the phone numbers rotated every 3 months. What lies the same companies would pop up every other day on the automated dialers. Horrible people to work for and many employees were high on drugs while working. Management is aware but as long as employees produced nothing was done.

  28. I get a call from these people about once every three months. The first time, I flat out expressed no interest. The second time I listened to what they had to say and reviewed all of the materials. However, the owner of our company was on vacation and I wanted to run it by her before I signed over. I told the sales rep this much and she hounded me that the “the rates are only valid for 7 days” and called TWICE A DAY to see if I had spoken to the owner. The third time, I expressed interest and had all of the materials to fax back. During this time a rep called twice a day for 5 days straight. She would call while I was in the midst of a project, told her I would call her back, and she would call again an hour later. RELENTLESS!! I was told to fax the signed contract to her on Monday; however, I could not be in the office on Monday so I faxed it to her Tuesday morning. Guess what? I never heard from her again. It has been over a week since I faxed the contract and I’ve sent her an email. Not a word back. The rates they quoted were good, I’ll give them that but what does it matter if they fall off the face of the earth once you sign on. This company is a joke.

  29. Don’t do it. They are bad to do business with, they lie constantly. They will tell you anything to sign the contract, and then 45 days later they hit you with fees that were never discussed. they tell you that you will save money but you won’t. The longer you stay with them, the more fees they charge you with. I firmly believe they get you to sign up saying that they put small merchants together to get better rates, just so they can charge you outrageous fees and then get you to pay the cancellation fees. I warn you, do not sign up with this company.

  30. HaHa! Chloe Jones hit the nail on the head! That was EXACTLY what they told me today. And yes, North America happened to have the lowest rate…out of the 100’s of companies that bid on it, lol. Amazing. Ya gotta love the internet.

  31. Mr. Jones, how very, very timely! I just fielded two calls from these scammers. They were doing a “mandatory, industry-financed review” of our crecit card processing, with claims to “absolutely” halve our costs. I paid them no attention, as our direct agent at ***** has given us good service, reasonable rates and a written exception to their Early Termination Fees clause!

  32. I recently worked at this company and your review is pretty accurate except the part about headquartered in NYC. In fact, it’s headquartered in Montreal, where all of its staff are as well as the owners. they claim to send out portfolios of 300-500 merchants (worth anything from $5 million to $20 million in monthly processing volume) to a network of processors (up to 100 different processors). They do nothing of the sort. They also lie in other ways to potential clients, such as claiming to have a “mandate from all the major banks and processors” to do a rate review and guaranteeing a rate reduction of 25% to 50%. I’ve even heard some agents tell potential clients that it’s the law, that they have to get this review done. Phillip, feel free to contact me for more information.

  33. I received 2 high-pressure sales calls for a sales representative. I was told I could expect an effective(!) discount rate of 1.5% for a merchant doing small to midsized credit sales volumes. I found that very hard to believe, but was told they aggregate volumes to get better rates with processors. I would need to have that guaranteed in writing.

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