TouchSuite Overview

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Offering POS Systems and Merchant Accounts

Founded in 2004, TouchSuite is a Boca Raton, Florida-based merchant account provider that provides a proprietary POS system called TouchSuite Restaurant alongside Poynt, Quickbooks POS, and Clover solutions. According to the company’s website, it also offers QuickBooks POS payment processing, small business loans, online invoicing, local SEO, and e-commerce gateways. Most recently, the company invested in Grubbrr, a self-ordering kiosk that supports EMV, NFC, and swipe payments. TouchSuite also appears to provide merchant accounts through a DBA called American Bancard, LLC, which has the same address as TouchSuite. TouchSuite’s POS system does not appear to integrate with third-party processors, meaning that merchants will need to switch to TouchSuite’s credit card processor in order to accept payments.

Headquartered in Florida

American Bancard, LLC, is a registered ISO of Wells Fargo Bank, N.A., Walnut Creek, California, of Elavon, Inc. Georgia, and of BMO Harris Bank, N.A. Sam Zietz is the founder and CEO of TouchSuite, which is headquartered at 1081 Holland Drive, Boca Raton, Florida 33487.

TouchSuite Review Table of Contents

  • Costs & Contract: TouchSuite offers a three-year contract that includes an equipment lease through First Data Global Leasing. The company offers Authorize.Net, Converge, NMI, and USAePay as payment gateway options.
  • Complaints & Service: TouchSuite has received more than 20 public complaints.
  • BBB Rating: TouchSuite has an “A+” rating and has received 13 complaints and 4 reviews in the past 3 years. The company has been accredited by the Better Business Bureau since 2012.
  • Sales & Marketing: TouchSuite appears to hire independent sales agents and has received some complaints about its sales practices.
  • Rates & Fees: How Merchants Got The Best Rates With TouchSuite

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Products & Services Offered

  • Debit and credit card processing
  • EMV acceptance
  • Merchant cash advance
  • Gift card exchange
  • QuickBooks integration
  • POS hardware and software

Types of Businesses Served

  • Retail
  • Mobile
  • Restaurant
  • Salon
  • Spa
  • E-Cig
  • CBD/Hemp

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TouchSuite Rates, Fees, and Costs

Key Points

Swiped Rate 0.20% + $0.10
Keyed-in Rate 0.20% + $0.10
Virtual Terminal Rate 1.00% - 4.99%
Payment Gateway Fee Undisclosed
Lightning App Flat Debit Rate 0.95% + $0.22
Lightning App Flat Swipe Rate 1.95% + $0.22
Lightning App Flat Keyed-in Rate 2.95% + $0.22
Early Termination Fee $1,000+
Gateway Set Up Fee Up to $100
Gateway Fee Up to $25 Per Month
PCI Compliance Fee Variable
Equipment Lease Terms 48 Month (locked)

Partnered with First Data Global Leasing

According to the standard TouchSuite contract, the company’s standard agreement is a three-year term that includes a Liquidated Damages early termination fee for canceling service while under contract. TouchSuite is partnered with First Data Global Leasing for its equipment leases, which offers non-cancellable lease agreements. First Data Global Leasing is a poorly rated provider on CPO due to its expensive contracts and substandard sales tactics. Merchants are generally not encouraged to sign contracts that hold them accountable for liquidated damages in the event of early termination.

Variable Pricing

On its website, the company advertises “rates as low as .20% + 10 cents” only on its Retail, Restaurant, and Salon Credit Card Processing pages, but this is likely the lowest of several possible transaction rates, since merchant complaints report varying prices for different services. The company also advertises Interchange pricing for certain industries. TouchSuite provides integrated credit card processing with its POS system, so merchants will not have the flexibility to shop for competitive rates from a third-party provider. However, the company claims that it will beat or match a merchant’s existing rates.

TouchSuite Lightning App Pricing

Additionally, the company offers a proprietary app that optimizes QuickBooks POS. This includes a set of exclusive rates for merchants using that POS solution. Merchants are charged a flat PIN debit rate of 0.95% plus $0.22, a swipe rate of 1.95% plus $0.22, and a keyed-in rate of 2.95% plus $0.22. Each of those rates is markedly lower than those charged through Quickbooks directly.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, TouchSuite also dedicates a portion of its website that advertises its virtual terminal and payment gateway services The company also lists partnerships with USAePay, Converge, Authorize.NET, and NMI to provide payment gateway services for e-commerce portals. These services include rates specific to e-commerce payments as well as additional fees. Authorize.net imposes a rate of 2.9% + $0.30, a $25 gateway fee, and a $0.10 batch fee. USAePay charges a gateway fee of $25 as well and a set up fee of $100. Those rates and fees are indicative of those which TouchSuite’s payment gateway could impose depending upon which partner it utilizes.

Contract Terms Complaints

At this time, there are a low-to-moderate number of public complaints specifically recommending against TouchSuite’s contract terms. The company’s partnership with First Data Global Leasing is a major point of concern and has severely impacted TouchSuite’s score in this section. It is our belief that merchants are generally best served by month-to-month contracts and the freedom to choose their own credit card processors- especially from among the cheapest providers.

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Response from TouchSuite

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TouchSuite Complaints & Customer Reviews

Key Points

Total Online Complaints 20+
Live Customer Support Yes
Most Common Complaint Product Malfunctions

Low-To-Moderate Complaint Total

We have located over 20 negative TouchSuite reviews, some of which accuse the company of being a scam or a ripoff. Common themes among complainants include malfunctioning hardware, software bugs, equipment leases, poor customer support, rigid contract terms, and high processing fees. The most frequently cited case usually involves a merchant who encounters difficulties setting up or using the product and is unable to resolve the issue through support. The second major issue appears to be the company’s sale of long-term equipment leases.

TouchSuite Lawsuits

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

TouchSuite Customer Support Options

Most complaints that directly mention TouchSuite’s customer service do not have positive things to say about it, with long hold times and late responses being the chief issues. This level of support falls way short of what we expect from top-rated customer service providers. In general, TouchSuite has a low-to-moderate complaint total overall, but the areas most often singled out by merchants are product malfunctions and poor support. We have therefore assigned the company a “C” in this category.

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Response from TouchSuite

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TouchSuite BBB Rating Summary

Key Points - BBB

Product & Service Complaints 8
Billing & Collection Complaints 1
Advertising & Sales Complaints 2
Guarantee & Warranty Complaints 0
Delivery Complaints 0

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.

Over 10 Complaints

TouchSuite currently has an “A+” rating with the Better Business Bureau and has been accredited since 2012. The company has received 11 complaints to its BBB profile in the past 36 months, with 9 related to product or service problems, 3 related to billing and collection disputes, and 1 due to an advertising or sales issue. TouchSuite has not successfully resolved any of the complaints. All 11 complaints either were resolved to the dissatisfaction of the merchant or did not receive a final evaluation from the merchant.

What Merchants Say

In addition to those 13 complaints, TouchSuite has also received 4 informal reviews on its BBB profile. 2 of those reviews are positive and 2 are negative. The most recent negative review details problems with the company’s POS system and difficulty with customer service:

I am from the Caribbean I purchased a Touchsuite salon system 5 years ago The System worked for two days in that two days the system was freezing and shutting down so I call the company they said to send the system back they will check it which I did at my expense When I checked with the company they said that there is nothing they can do so I said I need a refund, I was the told I have to speak with the company’s lawyer The problem with the system is that windows 4 was used for the program which was so outdated and was not working with the software however paid to post it back to the me l lost $4900 all because my business is in the Caribbean and was a cash sale I still have the machine sitting there hoping I can find a solution for it Very very bad customer service

Businesses looking for comprehensive POS systems should review the top merchant service providers for these solutions.

A “B” Performance Overall

The BBB also maintains a profile for TouchSuite’s credit card processing partner, American Bancard, LLC. American Bancard also has an “A+” with the BBB and has received one complaint in the past three years that was related to a billing or collection issue. In light of TouchSuite’s overall complaint record and the BBB profile for American Bancard, we have adjusted the BBB’s rating to a “B.”

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Response from TouchSuite

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Truth In Marketing & Advertising

Key Points

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

Mixed Marketing Approach

TouchSuite appears to market its services via an independent agent program, referral programs, a brand ambassador program, and traditional advertising. The use of independent agents is commonly linked to complaints within the credit card industry due to the reduced oversight that these sales agents usually receive. In this case, we have located approximately ten TouchSuite complaints that accuse the company of misrepresentation or nondisclosure of fees. Specifically, complaints like this one cite incomplete disclosure of the company’s cancellation fee and monthly costs. Other complaints mention nondisclosure of equipment lease terms through companies like First Data Global Leasing and through MBF Leasing, a known DBA of Northern Leasing Systems.

Beat-Or-Match Pricing

TouchSuite advertises “rates as low as .20% + 10 cents” on its website with a fine print disclaimer stating that restrictions may apply, rates are subject to change without notice, and that the offer may be discontinued at any time. The company also claims that it will beat or match a merchant’s existing pricing. It is unclear whether a multiyear contract is required of all TouchSuite merchants at this time, but this requirement could possibly conflict with the company’s beat-or-match claim when it comes to merchants who are on month-to-month contracts.

No Widespread Sales Issue

Overall, TouchSuite has received some negative feedback with regard to its sales tactics, but these complaints do not indicate a widespread sales issue at the company. If you suspect that TouchSuite is charging you undisclosed fees, we recommend seeking a third-party statement audit to eliminate hidden costs.

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Response from TouchSuite

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TouchSuite Marketing Example

TouchSuite Logo

Our Opinion of TouchSuite

An Average Option All-Around

TouchSuite rates as an average point of sale system according to our rating criteria. The company has received a low-to-moderate number of complaints in the past few years, but the inclusion of a non-cancellable equipment lease in its standard contract terms is a serious red flag. That noted, it may be still possible for merchants to secure a solid deal with TouchSuite through diligent research and negotiation. For merchants considering TouchSuite for merchant services, we recommend comparing the company’s costs and contract terms to those of top-rated providers.

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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

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 built this website to help small business owners research which service 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. I can help you save money with your current merchant account or help you find a new one. Message me here to get started.

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7 Reviews Leave Your Review for TouchSuite Below

  1. H. Chandra says:

    Stay away from this company. They sign you up to low rates to lure you in, then they’ll call you 3 months later and say your rate is too low and must sign a new contract with much higher fees or they’ll shut me off. I balked at having to sign a new contract with higher fees, so, they shut me down.

    If they did it to me, they’ll do it to you also. They’re also known as Alpine Payment.


    This post will help: Best Merchant Accounts for Bail Bonds

    – Phillip

  2. Craig says:

    Do not do business with these crooks. They have this stupid plan where basically you charge 3-4% convenience fee to your customers so essentially you process for free. Customers will be pissed.

    If you really want to go this route you do not need TouchSuite. All you do is process thru Square and add a customer convenience fee yourself.

    You don’t want to get involved with these “people”. Owner is probably rich but never made an honest dollar.

    Once they can ACH you its game over. I have had them take money from me for two months after I cancelled. Finally blocked them. For those in the same boat have your bank block Clover Systems now!…game over for them!

    When you have problems like I did customer service is non-existent and its email only if at all. If you make contact you will only get lip service and empty promises.

    Please don’t take my word for it, look yourself. Anywhere you look online this company has horrible reviews. Check out pissedconsumer.com. Amazing how they are still in business.

    Notice how the complaints all generally follow up with something along the lines of……”Please reach out to us at [email protected] with your contact information and business name, one of our customer support specialists will reach out to you directly. Thank you, we look forward to hearing from you and helping.”…as if we all didn’t already do that!

    Why do you thieves only do customer service by email? Maybe too many irate customers yelling into the phone? Change your business practices scammers!!!


    From The Editor
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  3. Yanmei shi says:

    The touch suite company is very bad . They lie about everything. They told me there is no contract . No earlier cancellation fee. So they make me sign the application. When I want to cancel the service . They add the 3 years contract on the application . And add earlier termination fee. So bad company. The worst things the guy who guy who install the machine for me even stolen my money from my purce which I put underneath the desk. I wish somebody can help me to get rid of that company without being charge me earlier termination fee

  4. Lisa says:

    This company should not be in business. They have taken money from customers and at other times given them too much. This should be investigated by better business Bureau. Customer service is horrible

  5. anthony braese says:

    I’m currently dealing with touchsuite and suppose to switch next week.they tell me I’m paying 3.0 plus fees with central payment and they offered me 2.0 plus 65.00 equipment cost that comes out of the 2.0 contract of 4 years and will pay cancelation fee if any with centralpayment.I still think is this to good to be true

    1. Yanmeishi says:

      That is lie. That’s this company how to get people. Don’t trust this company

    2. alisha says:

      those are high rates i get a .50 on all cards and 10.00 a mont .10cetns a swipe thats pretty good

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