Sekure Merchant Solutions Review

Sekure Merchant Solutions Overview

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A Sales Arm of North American Bancard

SekureCard Merchant Solutions appear to be the same merchant account provider operating in the U.S and possibly Canada. There is a significant amount of evidence online indicating that they are all primarily resellers of North American Bancard — one of our worst-rated merchant account providers. Sekure Merchant Solutions advertises its incorporation of PayAnywhere as a POS solution.

Sekure Merchant Solutions Location and Owners

Headquartered in 1501 Broadway Fl 12, New York, NY 10036-5505. Jeff Ramaglia is listed as the president of SekureCard

Sekure Merchant Solutions Review Table of Contents

  • Costs & Contract: Sekure Merchant Solutions appears to offer a three-year contract through North American Bancard with a liquidated damages-style early termination fee.
  • Complaints & Service: Sekure Merchant Solutions has received more than 75 public complaints.
  • BBB Rating: Sekure Merchant Solutions has an “A+” rating and has received 79 complaints and 485 reviews in the past 3 years. The company has been accredited by the Better Business Bureau since 2012.
  • Sales & Marketing: Sekure Merchant Solutions appears to rely on telephone appointment setters and has received a moderate number of complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Sekure Merchant Solutions.
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Products & Services Offered

Types of Businesses Served

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

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Sekure Merchant Solutions Rates, Fees, and Costs

Key Points

Swiped Rate 1.00% - 4.99%
Keyed-in Rate 1.00% - 4.99%
Termination Fee $900+
PCI Compliance Fee Undisclosed
Equipment Lease 48 Month (locked)

Long-Term Contract With Cancellation Fees

According to merchant complaints, the standard Sekure Merchant Solutions 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 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.

Beware Liquidated Damages

The primary factor lowering Sekure Merchant Solutions’ 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 the contract upon early cancellation, and it can cost merchants in excess of $900. We consider this type of fee to be excessive. SekureCard offers average to below-average contract terms in our assessment, and it is our belief that merchants would be better off looking for cheaper merchant account providers. We have accordingly lowered Sekure Merchant Solutions’ rating in this section.

Are you happy with your Sekure Merchant Solutions fees? Tell us about them before your go!

Response from Sekure Merchant Solutions

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Sekure Merchant Solutions Complaints & Customer Reviews

Key Points

Total Complaints 60+
Live Customer Support Yes
Most Common Complaint Sales Tactics

Annoying Sales Calls

There are currently over 60 Sekure Merchant Solutions 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.

Fake Review Claims

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. Some merchants have reported to us that SekureCard claims that “most of the reviews you see online are from other processors . There is allot of competition out there.” However, we have seen nothing to corroborate this claim.

SekureCard Lawsuits

In August 2018, SekureCard (DBA First Choice Payment Solutions) settled a class-action lawsuit in the United States District Court for the Northern District of Illinois for $6,250,000. The settlement “resolves a lawsuit involving allegations that [SekureCard] made telemarketing calls from July 26, 2013 through February 1, 2018 on cellular telephone lines using an automatic telephone dialing system or artificial or prerecorded voice.” Merchants were eligible to file a claim if “between July 26, 2013 through February 1, 2018, [SekureCard] called you on a cellular telephone using an automatic telephone dialing system or prerecorded voice.” However, the filing deadline has officially passed.

SekureCard Customer Support Options

Overall, the company’s inability to effectively regulate its sales calls reflects poorly on its organization, but there are not many complaints directly criticizing the company’s customer service. SekureCard therefore receives an average “C” grade in this section.

Do you have a complaint or testimonial about Sekure Merchant Solutions? Make your voice heard before you go!

Response from Sekure Merchant Solutions

Are you a representative of Sekure Merchant Solutions? Add your voice to this section for free!

Sekure Merchant Solutions BBB Rating Summary

Key Points - BBB

Product & Service Complaints 30
Billing & Collection Complaints 7
Advertising & Sales Complaints 29
Guarantee & Warranty Complaints 0
Delivery Complaints 1

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.

Nearly 70 Complaints

Sekure Merchant Solutions has been accredited by the Better Business Bureau since 2012. As of this review, the company has an “A+” rating with the BBB and has had 67 complaints filed against it in the last 36 months. 35 of those complaints stemmed from advertising or sales issues, 7 from billing or collection issues, and another 36 from problems with Sekure’s products or services. Of the 67 total complaints, 45 were successfully resolved, while 22 either were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant.

What Merchants Say

SekureCard has also received 519 informal reviews on its profile. The negative reviews have increased in recent months, mostly due to Sekure Merchant Solutions’ persistent telemarketing efforts, as the most recent review details:

Guy just called and basically told me I’m a horrible business man because I’m not doing what I can to save money. Sometimes it’s not worth it to ‘save’ money and what we use is now has been working great for us. The way they talk to people, it almost feels like I’m talking to someone who is trying run a scam. Horrible way to do business. Fight with a potential client to get their business. Great Job!

Merchants in these situations would benefit from how to shut down sales calls, especially when the conduct of sales representatives becomes aggressive or turns into harassment.

A “C” Performance

In light of this information, we have adjusted the BBB’s rating to a “C.”

How has Sekure Merchant Solutions treated you? Tell us about it here!

Response from Sekure Merchant Solutions

Are you a representative of Sekure Merchant Solutions? Add your voice to this section for free!

Truth In Marketing & Advertising

Key Points

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

Aggressive Telemarketing

Sekure Merchant Solutions appears to market itself primarily through telemarketing. The vast majority of complaints about the company cite aggressive, repeated sales calls from Sekure Merchant Solutions representatives, sometimes in defiance of merchant requests to stop calling. This problem should be easily corrected, and the fact that it hasn’t indicates a troubling lack of organization within the company. However, a larger problem with Sekure Merchant Solutions has to do with how it represents itself.

There’s More To The Story

The Sekure Merchant Solutions website emphasizes 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 Sekure Merchant Solutions is simply a reseller of North American Bancard’s merchant services rather than an independent rate review service. If this is the case, then Sekure Merchant Solutions is going to great lengths to paint itself as something it is not. There is currently no mention of North American Bancard on the Sekure Merchant Solutions website, and the company does not disclose at any point that it is affiliated with any particular processor. Some merchants have reported receiving service from both Global Payments and North American Bancard through Sekure Merchant Solutions, but North American Bancard is simply a reseller of Global Payments.

Expect Only One Option

As far as we are able to determine at this time, Sekure Merchant Solutions’ primary mission is to sell North American Bancard contracts, and merchants should keep this in mind when they receive a call from the company.

Did you get what you expected from Sekure Merchant Solutions? Tell us why, or why not.

Response from Sekure Merchant Solutions

Are you a representative of Sekure Merchant Solutions? Add your voice to this section for free!

Sekure Merchant Solutions Marketing Example

Sekure Merchant Solutions Logo

Our Opinion of Sekure Merchant Solutions

Marketing Problems Sink Sekure’s Grade

Sekure Merchant Solutions 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. Sekure Merchant Solutions is showing an increasing number of online complaints, and merchants will likely be better served by a top-rated overall merchant account provider.

We rely on your feedback about Sekure Merchant Solutions to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

Thank you for reading my review. I hope that it has helped you with your research.

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.

How I Can Help You

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87 Reviews Leave Your Review for Sekure Merchant Solutions Below

  1. Sara Cooke says:

    -3 stars from me, This was the shortest stay we have had with a company in the 35 years we have been in business. 1st we tell them a majority of our business is selling trucks and we take a lot of debit card payments. Not just credit cards, what do they do, they set us up where we only accept credit card payments no debt cards. They tried rectifying the situation by giveing us a credit on some fees “$5000” worth which equaled out to $155 and some change where we paid over $300 in credit card fees while waiting on them to fix the problem and had to call in 5 times before it was fixed. Then the next issue was taking payment for trucks, they wrote in small amendum, after we told them we only take full pamyent of vehicles, that we can not do this. How we found out was we ran the customers card it said approved, after the paper work was filled out and the customer had left with the vehicle, Sekure called us and let us know the payment was declined. We went back to our previous provider they reenstated our old rates, and Sekure charged us for the credit we received due to their debit card mistake. By the way the advertisements they send you about thier reviews are all made up if you do research on them to try and leave a review yourself it is impossible there is none on google. According to thier add they have 4 stars with the BBB and they only have a 2.5, there is no google rating except what they say they have, and facebook if you read them its the customer service not the business itselft that brings their ratings up. When you talk to secure they blame it all on the broker they take no responsibility.

  2. Joanna Garcia says:

    My experience with this company was horrible. They say they are working in your best interest but fail to tell you important information such as the length of contract. I was verbally lied too and was expected to go to website portal for extended detail information, they have you sign a contract with full agreement. You think your signing everything on contract you reviewed, however in fine print it has a website portal and with exstentive review the contract is for 36 months. This information is left out on the contract to gain your business and they lie to you about the length of contract.

    This company works with several companies and they say they are in your best interest when they are not, maybe in price but they gave me American Broadband services and its Horrible! I would not recommend because you will have to work through 2 websites just to run your business properly. I recommend Square, fast easy and efficient AND you scale past all these sneaky merchant sales representatives like Sekure Merchant Solutions.

  3. Aggravating continuous phone calls. Saying they do NOT process credit cards, but merely do analysis to see if Visa and MC guidelines are being followed and that no one would be trying to get us to switch processors. Of course, this is a LIE! As soon as you let them do analysis, they show you how much you could save switching to them. I do not trust them.

    1. Brian Clark says:


      This article may help: How to Shut Down Aggressive Sales Calls


  4. Michael Forbes says:

    Sekure Merchant Solutions – Has been Charging my bank account since January 2017 (3 Years) after I’ve spoken to someone and they told me that they can’t handle processing my invoices. Every Month I was getting charged from $99.00 to $216.00 for services that I was not Using!!! What were they Charging me FOR? I was Not Processing any credit cards because I was Not Using their services!!!!! This Company is getting RICH Off Charging Fees for Not using their services and never notifying businesses that they are being charged!!!!
    My lawyers sent them numerous letters and we are still waiting to hear back from SEKURE MERCHANT SOLUTIONS to Date: February 2020.

  5. Anne Brown says:

    Horrible sales call although they transferred me to numerous people who all proclaimed they were not in sales. I kept asking (demanding) they tell me if they were our current provider and all they said was they work along with our processor. I kept pressing and said we were happy where we were and they admonished me for not even letting them tell me what they had to offer. Kept demanding my email or fax so they could send a comparison. An “F” rating from me for public relations.

  6. Kei says:

    This company is very misleading. The sales will say anything to get your business. First they will lure you in with $5k promotion for processing fee. But it is not $5000 worth of the processing fee. It is $5k worth of the rate you have, which my rate was $.05 and came out to $100 credit only. The sales did not make this clear and told me their system integrates with my POS, which it did not. They did not do anything to clear the above and the customer relation response is very bad also.

    This post will help: Eliminate Hidden Fees From Your Monthly Bill


  7. thomas souza says:

    DISHONEST – Illegally changed contract – equipment does not work – they charge higher rates even when equipment is not working – cost me 1000’s

    This post will help: Eliminate Hidden Fees From Your Monthly Bill


  8. Joe blow says:

    This place is a scam. The staff harrassed me to say yes. Pushy sales and thick Jersey accents. Pass on them they aee a scam

    This post will help: Sekure Class Action Settlement


  9. When I signed up with SekureCard, they showed me all the low costs and savings. But when I saw additional charges that were taken out, my costs ended up over 4% at the end of the month. Called and asked why, and was told that some cards have points, which are taken out of my bank to cover the card holders points. Some cards have double points and that too is charged to me. When I tried to get out, they said your contract is for 3 years and to get out you will pay us $400.00, even when the contract says $295.00, they said it includes other fees. Very scary company to deal with after being with the for 2 years 6 months. Beware of fees. You lose.

    This post will help: Cancelling a Merchant Account Without Paying a Fee


  10. Judy McNeill says:

    Aggressive sales people. After saying “not interested” and “no” at least 8 times in 2 separate phone calls and hanging up on them both times, they then resorted to sending emails to a different person in my office asking them to convince me to go with them. Also did not represent themselves as telemarketers for North American Bank. That was just the best deal for now.

    This post will help: Stop Sekure’s Sales Calls


  11. Beau Williams says:

    I have been in business for over 20 years, we are an IT consulting company. I have worked with a few different credit card processors over the years and Sekure Merchant Solutions has by far been the worst when it comes to customer service and following through on promises. As many of the other reviews stated they called me many times over the course of 2 – 3 years trying to get us to switch over to them, they made a lot of promises about saving us lots of money, free equipment, no hidden fees, etc. Finally they convinced me they had the perfect solution that would allow us to switch over to them seamlessly and effortlessly, no monthly fees, no minimums, etc. After we switched I found the equipment they sent did not work with our accounting system at all the way they said it would, nor could they find a solution. Also the guy who sold it to me all of the sudden would not return my calls or emails. Then after 6 months I found out I was being charge $87.87 a month in fees for $25.00 Monthly Minimum Processing Fee, $29.95 PCI Compliance Fee, $14.95 Premium Merchant Portal Access, $15.00 Statement Fee. Even after I finally found a way to start processing with them and ran $25k through in the first month they still charged me a Monthly Minimum Processing Fee of $11.95 saying that wasn’t enough!! After about 50 phone calls and emails I got to the point where I was processing with them but still to this day I am dealing with all kinds of issues, I was turned over to collections for equipment for a 2nd account they opened that I didn’t even know about under my name, they refunded about half of the fees they charged me but they said it didn’t matter if I was using the account or not it was my responsibility to understand the fees being charged, even though I never received any calls or statements or anything from them, even though the system they guaranteed me to work didn’t work at all and I couldn’t even use it, even though the sales rep told me there was no fees!! I have most of this in writing in emails and sent it to them and they told me that it didn’t really matter what the sales rep told me because I signed the agreement that stated all of these fees. Overall this has been a terrible experience, 100% bait and switch, do not fall for the harassive techniques in convincing you to sign up and promising you everything is going to work great, your sales rep is gone shortly after you sign and you are transferred to a different department that tells you everything your sales rep said is not correct. Also, over the 2 – 3 years they were calling me I had a few different sales reps, they all told me and promised me the same things, after the 6 months had passed and I tried to get this fixed they connected me with another sales rep who was great and said she would get it all fixed up and taken care of, then she disappeared again just like the previous guy who sold me and now I am done….

    This post will help: Best Merchant Accounts for IT Firms


  12. John says:

    I could not agree more. This just happened to me. I was better off before. By the way, even when you talk to a representative and promise you that there are no contracts or terms and that you can cancel anytime is not true. The contract you end up signing does not mention terms but they did include a link which takes you to fourteen pages of small writing in which a clause is contained where it says you are agreeing to 36 month contract. These pages were not even mentioned by the representative and are not available when you sign the contract. You literally have to copy and paste the link in order for the “terms” to pop-up. Very deceptive and predatory practice. Representatives are nice but they do know very well what they are signing their customers into. Do not be deceived. They also charged me $800 dollars due to early termination which by the way they do not tell you when you call. They will not even warn you that you deceptively signed a predatory contract and that you are going to receive a letter charging you for early termination fees. Also, I received two separate labels to return the terminal and printer device with a ship to address different from the one stated on the letter where I should return the equipment. You have ten days to return the equipment or else you will be charged. This is the first time I actually post something of this nature.

    This post will help: Cancelling a Merchant Account Without Paying a Fee


  13. Laura jones says:

    They emailed me, unsolicited, posing as someone interested in utilizing my business for an event. This pose was sustained for a few emails until the totally unrelated sales pitch was thrown at me. After saying I wasn’t interested, they persisted. They then insulted me. No wonder they get terrible reviews. Do not reward them with your business.

    This post will help: You May Be Eligible for a Class Action Settlement Against Sekure


  14. Almquist Flowerland says:

    I was using Sekure Merchant Solutions up until 2 weeks ago and switched because they were more expensive than my new company. I have disconnected with them for processing but have been unable to get rid of them for the monthly service fees. Everytime I have called, I have either been told I need to speak with a certain person and they do not return calls or the latest rude person I spoke with, threatened me with an early termination fee. What the fee is, I do not know because she never emailed the termination form or notification of fees that were promised. At this point, even if they were to save me money, I would not use them ever again.

    This post will help: Cancelling a Merchant Account Without Paying a Fee


  15. Kim says:

    I was contacted by Christina Burke and of course the rates were better. When the comparative anaylsis was done it looked great. When the Merchant application came I had several questions regarding specific issues and now no one will respond to my questions. Christina told me that I would have my own representative and would only talk with a person which I could understand…. as that is an issue with Payeezy. That being said apparently I have requested to many things and asked for this all to be in writing before signing any Merchant application because now my zealous Christina is now unresponsive. Go Figure.

    This post will help: Find and Eliminate Hidden Fees In Your Contract


  16. Kate says:

    Pushy rude salesperson. I trembled every time when I see their name on the caller ID.

    From The Editor
    This Post Might Help: Sekure Class Action Settlement

  17. Hilary says:

    I was just harassed by a man on the phone calling my coworker classless and that she doesn’t know what she was talking about before he hung up on me. Apparently she told him no multiple times and he kept calling her back until she picked up another line and I picked up the phone. I am still in shock someone trying to sell us something would treat us this way.

    From The Editor
    This Post Might Help: SekureCard Class Action Settlement

  18. mary h says:

    Company was very pushy. They kept calling and would not let me discontinue their services during the trial period. Finally got the confirmation of closure of the account and thought it was a done deal. Months later I get a bill for merchant services not paid by the the bank card they use. Basically they did not close the account till months later even with confirmation to the contrary. I would not advise using this company for your credit card processing needs.

    From The Editor
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  19. Kishmein Touchus says:

    Sekure Card Services dba Sekure Cost Review called in spite of us being on no call list. Much smoother than average telemarketer,so beware. According to all the posted reviews I read, this company lies to get one to sign up and then the scam really begins. Avoid them like the Egyptian Plague. This lady was so nice in tone, actually spoke English as a primary language, that I could not be rude to her. I must be losing my touch.Gave the phone number of 855-547-8953, ext.125

    From The Editor
    This Post Might Help: How to Shut Down Sales Calls

  20. K says:

    Heaven forbid you say no to this company. We said no to them 2 years ago and they still call us repeatedly to do a cost review analysis. Never show any interest in this company and their recommendation because they will not leave you alone otherwise.

    From The Editor
    This Post Might Help: How to Shut Down Sales Calls

  21. A human being says:

    Close your doors. You and your so-called employees do not how to run a business much less treat another with human dignity. R-U-D-E Go away and STAY away. You are total losers.

    From The Editor
    This Post Might Help: How to Report a Bad Credit Card Processor

  22. Ann Arbeit says:

    We did everything by phone, signed one form for Amex, did not sign a contract and they are trying to get an early termination fee from us. Not happening. Stay away. Their rates are not good. They add all sorts of services we did not ask for and had to have removed. Better off with your bank for processing.

    From The Editor
    This Post Might Help: Cancelling a Merchant Account Without Paying a Fee

  23. dr c says:

    Bloody pissants: keep calling, no message!

  24. Barbara says:

    Sekure’s telemarketers called daily for weeks wanting to evaluate our credit card services. We had just had a price increase with our existing processing company. We decided to let Sekure give us a quote. They called daily sometimes two and three times a day. We decided since their quote was less than our existing company we would use their service—Bad mistake, the second month rates were much higher than the quote and even higher than the company before them. Customer service is horrible–they will not return calls or emails. The telemarketer that conned me into using Sekure said I could call him anytime and he would always be available to help. That’s a joke—- I have called repeatedly and left messages for him to call back. Since we decided to use Sekure I have not been able to speak to him or any other customer service agent…….

    From The Editor
    This Post Might Help: Let Us Find and Eliminate Fees In Your Contract

  25. Kelsey says:

    This company is the worst! Zero stars. They called my office to see if we were interested in switching over to them. I tried to be polite at first, but after repeatedly telling them that we were not at all interested in switching from our current merchant services provider, they continued to spam us with phone calls EVERY DAY, sometimes multiple times a day. The same person each time, telling me the same thing each time. And each time I would tell her that we were not interested. I felt like I was trapped in Ground Hog’s Day. Even after asking her to please not call back again (and my boss also telling her we weren’t interested), she continued to call!! Unbelievable. At this point, no matter what kind of deals they could offer me, I would never consider going with this company. Ever. Completely unprofessional.

    From The Editor
    This Post Might Help: How to Shut Down Sales Calls

  26. JTho says:

    Will keep calling my office phone line although we are not interested. They are also extremely rude.

    Sekure: Can I talk to the person in charge of the credit card authorizations?

    Me: He’s with a patient can i take a message?

    Sekure: BYE

    From The Editor
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  27. J. Miller says:

    These people are terrible. They won’t stop calling no matter what you tell them.

    From The Editor
    This Post Might Help: How to Shut Down Sales Calls

  28. No ability to reach any one except during 8-5 East coast time. Their phones do not take messages after THEIR business hours. They do not return e-mail requests for help. AND This is from a long standing customer. Extremely POOR customer service is what I have experienced. I’m actively looking for an alternative and will take my business to a business that understands what CUSTOMER SERVICE means!

    From The Editor
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  29. John Smith says:

    A call out of the blue

    SC Peter: “Hi can I speak to the person in charge of credit card authorization?”

    Me: “May I ask who is calling?”

    SC Peter: This is Peter from SekureCards

    Me: And what do you do?

    P: We just want to see if we can improve your credit card authorization process.

    Me: We don’t authorize credit card purchases. Is this an unsolicited sales call?

    P: No, this is a service call *CLICK*



    From The Editor
    This Post Might Help: How to Shut Down Sales Calls

  30. Klay Tokus says:

    What a miserable, lying bunch of telemarketers. They ignore do not call lists. They lie about “what they can do for you”. Want you to give them personal information. Continue to call harass. A grade of F- would be too high for these scam artists. Need to be investigated by New York A.G.

  31. After telling this woman that I would consider giving them a chance to quote our credit card processing, she became insistent that I stop what I was doing and send her all the information immediately. I told her I was busy at the moment and would try to find time later in the week. She has proceeded to call and berate me several times a day. After I told her to go away and stop calling, she has started trying to go over my head and call the owner. Do not give these people one minute of your time. They must work on commission and are starving to death. They are like vultures.

  32. Jon says:

    Horrible, they promise things to close the sale but once they set you up on NAB processing it’s a mess. Zero customer service and they are holding our cards asking for bank statements. Took hours on the phone to get them to refund the charges so I can run them through my previous processing service. Can’t get much worse

    1. Research says:

      What have they lied about??

      From The Editor
      This Post Might Help: Sekure Comes Clean

  33. PR says:

    Super shady repeated phone calls, trying to act like we already do business with them. Called multiple times after I requested to be put on do not call list. Used scare tactics with my employees to get me on the phone..

  34. Erin F. says:

    This scam company, specifically one of their telemarketers who calls herself “Houda”, has been repeatedly harassing me on a semi-daily basis. Even after telling her clearly I was not interested in anything she was trying to sell me, she continued to call me, not once, not twice, but three or four more times until finally giving up (for today.) How this company could ever think they would gain business by aggressively harassing potential customers is beyond me. AVOID AT ALL COSTS.

  35. Dave Armando says:

    After being hounded for a year I had to resort to just hanging up. Michael L…. was so pushy and would not listen to what I said or respect my wishes I assume the company would be equally abrasive so we switched our current processer to another company whose salesperson was / is a pleasure to deal with. I hope this review ends the harassing calls while I’m trying to service my own customers. Word of advise, don’t bother being polite with these guys JUST HANG UP.

  36. Dan The Man says:

    One of their reps called me and said they are just a reviewing company and offer a free service to review all the merchant accounts and compare it with my account. She pressed and pressed to get my fax or email account but I said over and over I do not give it out. She offered to have me speak to a manager but I kept saying no I do not give out personal information to solicitors. The fact is they are a single merchant service provider and are lying to people about the free service. She even said they have an excellent rating with the BBB. Not true.

  37. Fran says:

    RUN AWAY – After relentless sales calls to me went unanswered, the predatory calls went to my office manager. She listened to the pitch and said it would be worth my time. It all sounded great. It was going to be easy to switch and we were going to save a significant amount of money. It was not easy to switch. The first machine would not batch automatically at the end of the day like our old machine so payments were not getting processed. The rep said that it should batch automatically, but just do it manually. We asked for a new machine. When they set us up again, the machine processed the sales, but the SekureMerchant transposed our account number so the money was not deposited. It took a lot of time and effort to work with SekureMerchant (a reseller of North American Bancard.) and the bank. It took entirely too much time and effort to resolve on our part and caused use some cash flow stress. The make matter’s worse the communication between Sekure and NA Bancard was poor and neither would take responsibility. When we expressed our displeasure, we got a rude response.

  38. Laurie says:

    Has anyone else received this same information? Can anyone validate they work with these companies? (All but Starbucks are actually franchises)

    As per our telephone conversation I’m including a few links concerning Sekure Merchant Solutions (Sekure), which is us, and North American Bancard (NAB), which would be your processing company.

    North American Bancard (NAB) is a registered merchant services provider and is ISO of Global Payments Inc. with VISA and MasterCard for HSBC Bank USA, N.A., Buffalo, NY and Wells Fargo Bank, N.A., Walnut Creek, CA.
    Founded in 1992 by CEO/President Marc Gardner, it is headquartered in Troy, Michigan. Its corporate office employs roughly 900 people. As a merchant services provider, NAB’s payment solutions include: credit, debit, EBT, check conversion and guarantee, ATM, gift and loyalty cards, and online payment solutions. The company currently processes over $34 billion per year in electronic transactions for over 300,000 merchants in all 50 states.

    As of January 2017, Sekure Merchants has surpassed 20,000 merchant accounts signed up through our brokerage services, including Ace Hardware, YMCA/YWCA, Dunkin Donuts, Quality Inn, Econolodge, Roto-Rooter, Carl’s Jr. to mention a few.
    starbucks logo 7 eleven BP KFC Dunkin Donuts Honda Burger King merchant services

    Sekure Merchant Solutions has been providing merchant solutions since 2006. We are proud of our reputation and work with over 3,000 merchants each month with one goal in mind: to save you money!

    Our alliances with 5 star processors and equipment manufacturers gives us the edge you need to compete in today’s complicated world of electronic transactions. Unlike many professionals in this industry, Sekure Merchant Solutions is in it for the long haul; your success equals our success.

    Our dedication to you doesn’t end once you have plugged in. As your business evolves, often, so do your processing needs. Sekure Merchant Solutions is always one phone call away! Your dedicated rep will be with you from day one. There is never a need to call the processor, call us, we’ll handle everything! We recognize that your time is important, let us worry about your processing, so you can run your business efficiently.

    I hope we can include you in our portfolio of satisfied customers; we take pride in our competitive pricing and excellent customer service.

  39. Annoynmous says:

    I’ve worked there for over two years as a rep and let me tell you something,it’s getting old..our pitch has got to go, it doesn’t give lots of information and it’s very deceptive because we do work with one processor,that’s why everyone’s analysis comes back with the same results,that American bancard is the lowest. The managers are absolutely horrible over there and our weekly objectives are hard to obtain most days,can’t make the dough calling the same people all the time. A lot of us reps are actually usually nice like myself, our boss tells us to be more aggressive and to not take no for an answer. They need to change the work ethic over there.. don’t waste your time. We are based out of Montreal, you could even google the sekure cost review and find the address and street view with google maps. If this company wasn’t so full of bologna maybe their employees wouldn’t feel the need to come and post the truth.

  40. Peggy Mogush says:

    Cold call from a man asking for person in charge of our credit card processing, stated he was from Sekure Merchant Services. I figured it was yet another sales call so I said “We’re not interested, thank you.” and hung up. LESS THAN ONE MINUTE LATER the phone rings again. This time a female, “May I speak to the person in charge of your credit card processing?” I said “Oh, are you the people that just called here?” She responded “This is so and so from Sekure Merchant Services.” I said “Oh, you ARE the people that just called here, and I told you we are not interested.” And hung up. With sales activities like that, a company I would never trust.

  41. PAM PRATT says:

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

    1. CPO Admin says:

      Hi Pam,

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

  42. Laurie says:

    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.

  43. Andy says:

    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.

  44. David says:

    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.

  45. Dee says:

    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.

  46. A Goettle says:

    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.

  47. Todd says:

    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.

  48. 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

    1. Laurie says:

      Did you sign with them? Are you satisfied with their service and rates?

  49. Mike says:

    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

      1. Raquel says:

        Hi Mike,
        I was wondering if you sign up with SekureCard, and if you did, hoe is it going so far?

        Thanks for the update!


  50. Gloria Haman says:

    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.

  51. Robert Skolnik says:

    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. Jean says:

      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!

  52. Shawn says:

    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.

  53. Mike Hadley says:

    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. Michael Vincent says:

      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.

  54. Peggy says:

    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. CPO Admin says:

      Hi Peggy,

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

  55. Amanda H says:

    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. CPO Admin says:

      Hi Amanda,

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

  56. Darren says:

    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.

    1. Mark says:

      They do work with hand full of processors. You just have to hear them out!

      Anytime Fitness

  57. Judy Todd says:

    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.

  58. Alan Leishman says:

    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.

  59. Randy says:

    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!!!

  60. lisa says:

    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.

  61. Mary says:

    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.

  62. Aaron says:

    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.

  63. MK says:

    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.

  64. Rena Capuan says:

    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..

    1. laurie says:

      I asked them if they were a US based company and asked them about some of the complaints. This was their reply:

      We do have an office in Montreal as well !

      I sent you links that you could look at to do your correct due diligence , most of the reviews you see online are from other processors . There is allot of competition out there.

      We had to let go of some employees because they were dishonest and after we let them go this is what they go ahead and write , once again they are being dishonest . This is because they were unhappy we let them go .

      What you saw online is false , NAB is one of the largest processing companies out there and our numbers speak for themselves . We switch 600 merchants every month.

      Did you look at the links I sent you ?

      I also attached a BBB listing from the New York times and our company is listed on there under credit card processing.

  65. William says:

    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!!!!

  66. Rosie says:

    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.

  67. Susan says:

    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.

  68. Cheryl says:

    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.

  69. Dave says:

    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.

  70. LaBronnasmom says:

    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.

  71. Marvin Weirich says:

    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!

  72. Chloe Jones says:

    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.

  73. Marvin Weirich says:

    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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