Spectrum Merchant Services Review

Spectrum Merchant Services Overview

Updated 1/24/2019: Spectrum Merchant Services has changed its name to EpicPay. See our EpicPay review for up-to-date information about this company.

Founded in 1998, Spectrum Merchant Services (spectrumadvantage.com) is a small merchant account provider that was originally based in Santa Ana, California, but has since moved to Frisco, Texas. Spectrum offers credit card processing services for all major credit/debit card brands. The company also offers payment services for e-commerce, check processing, ACH processing, business to business (B2B), recurring payments, point-of-sale terminals (Verifone, Nurit, Hypercom, and Exadigm), wireless processing (via Blackberry, cell phones and hand-held terminals), PC products (PC Charge, IC Verify, Micros, Squirrel and more), gift cards, loyalty cards, petroleum cards, and Electronic Benefits Transfer (EBT). Additionally, Spectrum works with funding partners to offer merchant cash advances of up to $500,000. Spectrum Merchant Services is a registered ISO/MSP of Wells Fargo Bank, Walnut Creek, California, and First National Bank of Omaha, N.A.

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Spectrum Merchant Services Rates, Fees, and Costs

At the time of this update, there is very little information available about the standard Spectrum contract. A total lack of complaints for this company seems to indicate that its clients are largely satisfied with the terms of their contracts. Even so, merchants are advised to carefully review the terms of any contract they sign. If you have any information about Spectrum’s costs and contract terms, please describe your experience in the comment section of this review.

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Spectrum Merchant Services Complaints & Customer Reviews

We were unable to locate any publicly listed Spectrum Merchant Services reviews at all on this or other non-BBB consumer protection websites, which is impressive for a company that has been operating for over 14 years. The company offers a dedicated in-house customer support line on its website, which appears to do a great job of fielding and responding to its clients’ problems. Given the total lack of complaints about this company, we are awarding Spectrum an “A+” in this category.

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Spectrum Merchant Services BBB Rating Summary

The Better Business Bureau currently awards Spectrum an “A+” rating with only one customer complaint on file. The BBB‘s profile for EpicPay is showing no complaints. The lone complaint filed against the company was a product or service issue, and this complaint was resolved to the merchant’s satisfaction. In light of these figures, we agree with the BBB’s rating.

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Truth In Marketing & Advertising

Spectrum Merchant Services appears to hire independent sales agents to market its services. This is a standard industry practice that often results in a sales force that is poorly trained and unregulated. However, there are virtually no publicly available complaints registered against Spectrum, indicating that the company might exercise a greater degree of control over the actions of its independent agents than is typical within the industry. The company also does not appear to engage in any deceptive advertising.

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Our Opinion of Spectrum Merchant Services

Spectrum Merchant Services rates as an excellent merchant account provider according to our standards. Although there is very little information available about the company, there is also only one public complaint, and the company’s website does not appear to engage in deceptive marketing tactics. Even though Spectrum appears to have a great track record, merchants are advised to always read their contracts carefully.

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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

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

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