TAPLocal Now Overview

TAPLocal Now May Have Overcharged You

If you accepted credit cards through TAPLocal Now or any other credit card processing company between 2017 and 2019, recent changes to the law may entitle you to refunds of certain debit card and credit card processing errors and overcharges. See this post to find out if your were among the businesses affected and to learn how you can get your money back.

Digital Marketing + Payment Processing

Short for Transactions and Promotions, TAPLocal Now is a marketing firm that also provides merchant accounts and point-of-sale equipment to most standard-risk business types. Also known as TAPLocal Marketing, the company is a dba of Paradigm Services, Inc. TAPLocal Now operates as a reseller of First Data products and services such as Clover POS. The company offers a price-match guarantee and the choice between flat rate and customized pricing.

From The People Behind Allied Commercial Financial

Blake Zinke is the COO of TAPLocal Now, and Shaun Zinke is the company’s owner and co-founder. Blake Zinke is also the former COO of Allied Commercial Financial and a former employee of Paradigm Direct, Entrust Bankcard, and MobiSquad. TAPLocal Now recreates the business model of several of these other brands by offering a combined package of digital marketing and payment processing.

TAPLocal Location

TAPLocal Marketing and Allied Commercial Financial are both headquartered at 2150 S Country Club Dr #18, Mesa, Arizona 85210. The Allied Commercial Financial website also lists another address at 345 St Peter St #705, St Paul, Minnesota 55102, which the company describes as its Minnesota processing center. The TAPLocal headquarters is actually the address of Paradigm Services, Inc.

TAPLocal Now Review Table of Contents

  • Costs & Contract: TAPLocal Now offers a one-year contract with a flat monthly fee and all-inclusive pricing.
  • Complaints & Service: TAPLocal Now has received fewer than 10 public complaints.
  • BBB Rating: TAPLocal Now currently has a “C-” rating with the Better Business Bureau and has received 1 complaint in the last 3 years.
  • Sales & Marketing: TAPLocal Now appears to hire outside sales agents and has received some complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With TAPLocal Now
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Products & Services Offered

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce

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TAPLocal Now Rates, Fees, and Costs

Key Points

Flat Rate $50+
Starter Plan $299.99 Per Month
Builder Plan $399.99 Per Mont
Standard Plan $499.99 Per Month
Professional Plan $599.99 Per Month
Ultimate Plan $699.99 Per Month

TAPLocal Now Contract Terms

TAPLocal Now offers five all-in-one pricing packages. All packages include both the company’s marketing services and its payment processing services for an all-inclusive, fixed monthly fee, and they each increase in price based on 2% of the merchant’s monthly sales volume. The company may also offer a la carte marketing or payment products that are not part of these plans, but it does not list its pricing for these services on its website.

TAPLocal Now Pricing Plans

The “Starter” plan costs $299.99 per month and is intended for merchants who process up to $5,000 per month. It includes a free mobile reader, reputation management, review generation, a custom website, text message advertising, and over 60 online listings. The Builder plan costs $399.99 per month, is intended for merchants who process up to $10,000 per month, and includes the same features as the Starter plan. The Standard plan costs $499.99 per month, is intended for merchants who process up to $15,000 per month, and includes the same features as the Builder plan but with a Clover POS system rather than a mobile reader and 100 custom gift cards. The Professional plan costs $599.99 per month, is intended for merchants who process up to $20,000 per month, and includes the same features as the Standard plan. The Ultimate plan costs $699.99 per month, is intended for merchants who process up to $25,000 per month, and includes the same features as the Professional plan.

Allied Commercial Financial Contract Terms

It’s possible that merchants who purchase TAPLocal’s payment processing services outside of an all-in-one package may receive pricing similar to Allied Commercial Financial’s pricing. According to merchant complaints, the standard Allied Commercial Financial contract is a multiyear agreement with a variable early termination fee and a long-term, non-cancellable equipment lease. Other fees appear to be built into the contract, but the available complaints do not specify the exact costs of PCI compliance fees, monthly minimum fees, statement fees, and per-transaction fees.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, TapLocal also dedicates a portion of its website that advertises its virtual terminal and payment gateway services. However, pricing for those services is built into the monthly plans offered by the company.

Allied Commercial Financial “Program Costs”

Merchants also state that Allied Commercial Financial sales reps will typically claim to offer locked-in low rates in exchange for a fixed monthly “program cost” of up to $79. One independent informant who contacted us regarding the company has stated that this is Allied Commercial Financial’s standard sales approach. Complainants state that this program fee is in fact a non-cancellable lease for credit card processing equipment, and they further claim that they see an increase in fees rather than the savings that were promised. One complaint (found here) describes TAPLocal Now COO Blake Zinke using this exact tactic while working as a sales representative for Paradigm Direct and Entrust Bankcard.

Expensive Contract Terms

TAPLocal Now’s flat-rate pricing plan is simpler than many of its competitors, but this does not mean it is cheaper. While the company advertises that its flat-rate processing begins at just $0 per month, merchants that process over $20,000 per month should be able to pay far less than $499.99 per month for payment processing through a budget-friendly merchant account provider. It’s possible that TAPLocal’s included marketing services help justify its higher cost, but some negative reviews indicate that these services aren’t especially valuable.

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Response from TAPLocal Now

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TAPLocal Now Complaints & Customer Reviews

Key Points

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

Low Complaint Total

We are currently able to locate fewer than 10 negative TAPLocal Now reviews, some of which accuse the company of being a scam. These complaints are mostly related to the company’s advertising efforts, with most citing shoddy advertisements, unimpressive marketing metrics, and poor customer service. As noted above, there are also a large number of complaints filed against Allied Commercial Financial and its affiliated companies.

TAPLocal Now Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against TAPLocal Now. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

TAPLocal Now Customer Support Options

TAPLocal Now offers live phone support and email support to all of its merchants. This meets our expectations for top-rated payment processors for great customer service, which may explain its lower complaint total relative to Allied Commercial Financial.

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Response from TAPLocal Now

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TAPLocal Now BBB Rating Summary

Key Points - BBB

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

Low Complaint Total

The Better Business Bureau currently assigns an “F” rating to TAPLocal Now (as Transaction and Promotions Inc.). It is worth noting that Allied Commercial Financial also has an “F” rating with the BBB. TAPLocal Now has received 2 complaints in the past 36 months, 1 complaint is related to a billing and collection issue and 1 relates to a product or service problem. The company has not replied to either complaint.

A “C” Performance

Despite a low complaint total, TAPLocal’s failure to respond to either of the 2 complaints filed against it is the primary factor lowering the BBB’s rating. Given TAPLocal’s resolution effort and its corporate history, we see no reason to adjust the BBB’s rating at this time.

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Response from TAPLocal Now

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms No

Inside/Outside Sales Team

TAPLocal appears to primarily use a combination of inside and outside sales reps to market its services. The use of outside reps is commonly linked to elevated complaint rates within the credit card processing industry, and we have found a few TAPLocal Now complaints that cite misleading tactics or undisclosed terms. These complaints are related to TAPLocal’s marketing services rather than its payment processing products, with most of them describing lackluster advertising efforts and high monthly costs for the services delivered. This trend may indicate that the company does not use the same merchant services sales approach as Allied Commercial Financial.

Allied Commercial Financial Complaint Details

It is worth mentioning Allied Commercial Financial’s sales approach because both companies are operated by the same people. Allied Commercial Financial complaints describe a sales procedure that is typical of the industry: persistent, unwanted telephone calls trying to set up a “qualified” appointment, which are then followed by a visit from a sales rep who promotes a monthly “program cost” that is in fact a long-term, non-cancellable equipment lease. A company representative has stated that these sales agents are “direct employees” of the company rather than independent contractors.

Complaints Under Other Names

It is worth noting that these complaints bear strong similarities to complaints filed against Paradigm Direct, Entrust Bankcard, and MobiSquad, all of which are Arizona-based businesses that are linked to current or former employees of Allied Commercial Financial by merchant complaints. It is unclear at this time whether TAPLocal has an active relationship with Paradigm Direct, Entrust Bankcard, or MobiSquad, but the overlap of current and former employees suggests that the sales tactics used at Entrust, Paradigm Direct, and MobiSquad could have been adopted by TAPLocal Now. In any case, the company’s marketing practices have yet to attract the same complaints as its affiliated companies. If you suspect that TAPLocal has misled you about your merchant account pricing, you can double-check your monthly bill with a third-party statement audit.

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Response from TAPLocal Now

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TAPLocal Now Marketing Example

TAPLocal Now Logo

Our Opinion of TAPLocal Now

An Average Option for Most Business Types

TAPLocal Now rates as an average merchant services provider according to all available information. The company is affiliated with a number of poorly rated merchant account providers and appears to offer industry-average contract terms. Our rating for TAPLocal Now may be subject to change as the company continues to operate and develop a reputation within the industry, but merchants should be sure to compare the company’s pricing to that offered by top-rated merchant accounts.

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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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