Tier 1 Processing Overview

Are you a decision maker with Tier 1 Processing? Claim this review.

Affiliation with Datalink Bankcard Services

Tier 1 Processing (tier1processing.com) is a Richardson, Texas-based merchant account provider that appears to be a DBA or partner of Datalink Bankcard Services (datalinkonline.net). It is difficult to obtain any firsthand information regarding Tier 1’s pricing, services, or location because the company’s website is down at this time. In fact, according to The Internet Archive, the company’s website might not have been active at any point during its existence. This would normally indicate that a business is no longer in operation, but there is a great deal of evidence to suggest that Tier 1 Processing is in fact an active merchant account provider.

“Slamming” Allegations

We have located dozens of online complaints from the past three years alleging that Tier 1 engages in a process called “slamming.” Complainants claim to receive calls from Tier 1 Processing (which also goes by the name “Main Street Processing” and appears to also go by the names “Challas Group” and “Wholesale Banc“) in which the caller states that the merchant’s account has been “flagged” or “red-flagged” for overpaying on processing fees. When pressed about the organization they represent, the caller states that they are with “Visa,” “Visa/MasterCard,” or, simply, “the processor.” The caller then requests information such as the merchant’s tax ID number, merchant ID number, and two months of credit card statements in order to “modify” the merchant’s rates. Merchants who question the caller’s identity or motives claim to experience high-pressure tactics, stalling, and outright deception from the caller.  Merchants who consent to the caller’s requests eventually receive a contract from Tier 1 Processing/Main Street Processing/Datalink Bankcard Services and are then ushered into the signup process.

Verify Caller Identity

These online complainants allege a systemic effort by the company to attract new merchants by confusing and pressuring them into unwanted contracts. The practice of slamming is questionably legal and can result in the merchant paying thousands of dollars in excessive fees. Merchants should understand that Visa and MasterCard will never contact them for a rate review, and they should be sure to contact their processor directly if they suspect that they’ve been contacted by an impostor.

Tier 1 Processing Location and Ownership

According to the Better Business Bureau, Tier 1 Processing shares an address with Datalink Bankcard Processing at 3505 Token Dr, Richardson, Texas, 75082. The BBB also states that Steve Odom is the president of Datalink Bankcard Services.

Tier 1 Processing Review Table of Contents

  • Costs & Contract: Tier 1 Processing appears to offer a three-year contract through First Data with a $250 early termination fee.
  • Complaints & Service: Tier 1 Processing has received more than 30 public complaints.
  • BBB Rating: Tier 1 Processing does not have a rating with the Better Business Bureau and has not received any complaints in the past three years.
  • Sales & Marketing: Tier 1 Processing appears to hire independent sales agents and has received a relatively high number of complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With Tier 1 Processing

Tier 1 Processing Statement Analyzer

Find hidden fees, pricing errors, and overcharges in your Tier 1 Processing merchant account statement. Not with Tier 1 Processing? That's ok, we can find excessive fees in any statement. In fact, We've found $798,496 in hidden fees in 2019 already! Submit a recent statement to try it out for free!

  • Accepted file types: pdf, doc, docx, png, jpg, xls, xlxs.

Our unbiased reviews are supported, in part, by helping you find highly rated merchant accounts. You can learn more here.

Tier 1 Processing Rates, Fees, and Costs

Key Points

Swiped Rate Undisclosed
Keyed-in Rate Undisclosed
Early Termination Fee $250 Plus
Batch Fee $0.35 Per Batch
PCI Compliance Fee Undisclosed
Equipment Lease Terms Undisclosed

Three-Year Agreement

Most merchant complaints state that the contract provided by Tier 1 Processing is actually through Datalink Bankcard, which is itself an ISO of First Data. Datalink Bankcard’s standard terms and conditions (available below) outline a three-year agreement with automatic renewal for two-year terms, an early termination fee of $250 or Liquidated Damages (whichever is greater), a $0.35 batch fee, and an unspecified “membership” fee to be billed bi-annually. There may be additional fees that aren’t listed in the available documentation. Merchants also report being signed up for long-term, expensive equipment leases that they cannot cancel without paying thousands of dollars.

Unfavorable Terms

Datalink Bankcard’s contract terms receive a “D” rating from us due to the multiyear term with a large cancellation fee. However, we have given Tier 1 Processing an “F” in this section because of the alleged misrepresentation and nondisclosure that accompanies these contract terms. According to merchant complaints, it appears very unlikely that merchants will receive an opportunity to negotiate competitive rates with this company. Merchants should instead consider opting for a low-cost merchant provider to see the most savings. If you have any further details regarding the standard Tier 1 Processing contract, please share that information in the comment section below this review. See the Datalink Bankcard Services Terms & Conditions.

Are you happy with your Tier 1 Processing fees? Tell us about them before your go!

Response from Tier 1 Processing

Are you a representative of Tier 1 Processing? Add your voice to this section for free!

Tier 1 Processing Complaints & Customer Reviews

Key Points

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

Widespread Complaints

As noted above, we have located dozens of negative Tier 1 Processing reviews, many of which refer to the company as a telemarketing scam. The vast majority of these complaints have to do with the company’s sales tactics, but merchants also call Tier 1 Processing a ripoff with its expensive lease terms, longer-than-expected contracts, and poor customer service. Two complaints filed by former employees describe excessive employee turnover, inadequate training, delays in compensation, and completely unqualified leads.

Tier 1 Processing Lawsuits

Despite numerous complaints of potentially illegal business practices, we have not found any outstanding class-action lawsuits or FTC complaints filed against Tier 1 Processing. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Tier 1 Processing Customer Support Options

As of this writing, Tier 1 Processing does not appear to maintain a website or publicly list a customer support number. It is likely that the company’s customer support is actually serviced by Datalink Bankcard, which receives a “C” rating in this category from CardPaymentOptions.com at this time. Neither company appears to offer the service levels we expect of top-rated credit card processors for quality customer service.

Do you have a complaint or testimonial about Tier 1 Processing? Make your voice heard before you go!

Response from Tier 1 Processing

Are you a representative of Tier 1 Processing? Add your voice to this section for free!

Tier 1 Processing BBB Rating Summary

Key Points - BBB

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

The Better Business Bureau currently does not assign a rating to Tier 1 Processing and has not received any complaints against the company in the past three years. The BBB states that the reason for withholding a rating is that it does not have sufficient information about the company. Given our own inability to uncover much concrete information about Tier 1 Processing, we agree with the BBB’s rating at this time.

How has Tier 1 Processing treated you? Tell us about it here!

Response from Tier 1 Processing

Are you a representative of Tier 1 Processing? Add your voice to this section for free!

Truth In Marketing & Advertising

Key Points

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

Telemarketing and Outside Agents

According to all available information, Tier 1 Processing utilizes telemarketers and independent sales agents to sell its services. As a general rule in the industry, the combination of telemarketers and independently contracted agents tends to result in a sales staff that receives little training or oversight. Tier 1 Processing appears to be no exception, as there are numerous Tier 1 Processing complaints that describe deception, high-pressure tactics, and aggressive behavior by Tier 1 Processing sales agents. As noted above, there is evidence that the company engages in “slamming” on a fairly regular basis, and the company has no online presence that would allow merchants to double-check the information they’ve been given over the phone. This complaint from a former employee largely confirms what merchants have reported.

Serious Red Flags

Given the abundance of complaints related to Tier 1 Processing’s sales practices, we have assigned the company an “F” rating in this section. This grade is mostly due to the content of the telemarketing complaints, but it may improve modestly if the company ever creates a functioning website. If you suspect that you have been misled Tier 1 Processing’s sales team, you can double-check your monthly bill with a third-party statement audit.

Did you get what you expected from Tier 1 Processing? Tell us why, or why not.

Response from Tier 1 Processing

Are you a representative of Tier 1 Processing? Add your voice to this section for free!

No Logo Available

Our Opinion of Tier 1 Processing

A Substandard Option

Tier 1 Processing rates very poorly as a merchant services provider according to our rating criteria. The company faces widespread reports of deceptive sales tactics and appears to offer below-average contract terms to its merchants. Merchants who are contacted by a known Tier 1 Processing phone number are advised to inquire about all possible rates and fees and to clarify the identity of the caller. The company can improve its overall rating by greatly reducing the number of complaints related to its telemarketing practices. For now, merchants will be better served by working with a top-rated payment processor.

We rely on your feedback about Tier 1 Processing 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.

My Qualifications

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so decided to build this website to help you research which providers to use and how to save money on rates and fees. 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 here. Simply scroll to the top of the page to find the search bar. You can also message me if you need any guidance.

Need help understanding your rates and fees? Submit a recent statement and I'll take a look at it for free.

Submit a Statement

  • Accepted file types: jpg, png, pdf, xls, xlsx.

2 Reviews Leave Your Review for Tier 1 Processing Below

  1. Shay says:

    They also go by Top Tier. I received a similar call from a Kerri at 888-315-9629 X 1407. Very high pressure technique and they knew all about the company we go through for our credit card processing. Wonder how they got that info.

  2. Thanks for your informative article. I was contacted by them & told I was paying twice the monthly fees I should be paying, that my rate was averaging 2.8% & should be 1.4% per transaction. It sounded really great, but I’m locked in a proprietary gateway. However, there was no mention of switching providers. I didn’t even realize this was another processor until I received an email from them with a contract attachment. What an eye opener your article was as was another article I read basically saying these guys are a scam. They used the Main Street name when they contacted me. Thank you so much. I will stay far away from these guys!


    Are you with Tier 1? Learn how to resolve this complaint.

Leave a Review for Tier 1 Processing

Your email address will not be published. Required fields are marked *

Please do not use profanity or ALL CAPITAL LETTERS in your review. Reviews must provide a detailed account of your experience. By submitting a review or comment to CPO, you are agreeing to our Comment Policy.