Agree with our rating?
Leave a comment below
United Payment Services Review
Agree with our rating?
UPDATE 3/1/2019: United Payment Services was acquired by Direct Connect Holdings in April 2017. United Payment Services no longer appears to be an active business name, and the United Payment Services website currently redirects to the Direct Connect Holdings website. We will therefore no longer update this review, and we plan to publish a review of Direct Connect Holdings in the near future.
Founded in 1998, United Payment Services (unitedpaymentservices.com) is a Newbury Park, California-based merchant account provider that serves most standard-risk business types in the United States. The company is a reseller of First Data products and services and was acquired by Direct Holdings, LLC, in January 2017. Scott Rosen is the president of United Payment Services, which is a registered ISO of Wells Fargo Bank, N.A., Walnut Creek, California. The United Payment Services website does not provide an address for the company, but the Better Business Bureau gives a location at 3537 Old Conejo Rd #113, Newbury Park, California 91320, while Google lists the company at 31186 La Baya Dr, Westlake Village, California 91362.
- Sales & Marketing: United Payment Services appears to hire independently contracted agents and has received a low-to-moderate number of complaints about its sales team.
- Costs & Contract: United Payment Services appears to offer a three-year contract with an early termination fee of $399.
- Complaints & Service: United Payment Services has received more than 50 public complaints.
- BBB Rating: United Payment Services has an “A-” rating with the Better Business Bureau and has received seven complaints in the last three years.
- Rates & Fees: How Merchants Got The Best Rates With United Payment Services
United Payment Services Customer Reviews
Here's What Their Clients Say
|Total Online Complaints||50+|
|Live Customer Support||Yes|
|Most Common Complaint||Hidden Fees|
We have found over 50 negative United Payment Services reviews, many of which accuse the company of being a scam. Common complaints include nondisclosure of termination fees, misrepresentation of rates, poor customer service, and difficulty cancelling service. The company has been active since 1988, but all of the available complaints have been posted no earlier than 2008. For a company of United Payment Services’s size, this constitutes a moderate complaint total.
Some of these complaints have received responses from United Payment Services representatives. In every instance, including situations where the merchant claims to have been intentionally deceived, the company stands by its agents and holds merchants to the terms of the contract. In our opinion, this does not reflect positively on the company’s customer support. Given the company’s complaint total, its responses to complaints, and the frequency with which it has received public complaints over the past three years, we have assigned it an average rating of “C” in this category.
United Payment Services Online Ratings
Here's How They Rate Online
|Product & Service Complaints||4|
|Billing & Collection Complaints||2|
|Advertising & Sales Complaints||1|
|Guarantee & Warranty 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.
United Payment Services currently has an “A-” rating with the Better Business Bureau and is not BBB accredited. The company has received seven complaints in the past three years, with two related to billing and collection, four due to product or service issues, and one having to do with advertising or sales problems. Six complaints either were resolved to the dissatisfaction of the merchant or did not receive a final response from the merchant, and one complaint has not been addressed by United Payment Services at all. Considering the company’s poor resolution ratio, we have adjusted the BBB’s rating to a “B” for the purposes of this review.
United Payment Services Fees, Rates & Costs
A Closer Look at The Contract
|Early Termination Fee||$399|
|PCI Compliance Fee||$7 Per Month|
|Equipment Lease Terms||Variable|
According to merchant complaints, the standard United Payment Services contract is a three-year agreement through First Data with a $399 early termination fee, a $79 annual fee, a $7 monthly PCI compliance fee, a $7.50 monthly customer support fee, and a $25 monthly minimum fee. Merchants also report higher-than-expected rates and subsidized equipment that must be returned upon account cancellation.
It is likely that some of these contract terms can be adjusted by sales representatives depending on each merchant’s size, business type, and processing history. However, nearly every complaint about United Payment Services’s contract terms mention the $399 termination fee. This fee is higher than industry averages and appears to be enforced without exception. United Payment Services has received a “C” in this category due primarily to the complaints about this fee.
United Payment Services Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Employs Independent Resellers||Yes|
|Advertises Deceptive Rates||No|
|Discloses All Important Terms||No|
United Payment Services primarily markets its products through independent sales agents, referral partnerships, and conventional advertising. The use of independent resellers is often linked to high complaint rates in the credit card processing industry, and United Payment Services appears to be no exception. We are able to locate over 30 United Payment Services complaints that describe nondisclosure of fees, misrepresentation of rates, and difficulty contacting sales agents after account activation. These complaints consistently mention higher-than-expected rates and hidden cancellation penalties, and they have been posted with regularity over the past five years.
Although there are complaints about “teaser” rates, we are unable to find any unrealistic rate quotes in the company’s official marketing materials. Merchants are therefore advised to only work with sales agents they can trust and to double-check any agent claims against the actual paperwork. United Payment Services has received a “C” grade in this section due to the quantity and consistency of complaints about it sales practices.
Copyright © 2023 CardPaymentOptions.com, Inc. (Digital Fingerprint: 0d38c6720f0d78a701b74d58653af608). Getting paid to re-write this page? Click here to earn a reward.
Any unauthorized copying and reproduction of the content of this page, including all meta data and computer code, is strictly prohibited. While the information in the above article is believed to be accurate as of its publish date, the author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is,” and without warranties. Any and all use of trade names and/or marks are for identification purposes only and shall not be construed as a claim of affiliation, or otherwise, with CardPaymentOptions.com, Inc. ("CPO") in any form. The sole purpose of the material presented herein is to alert, educate, and inform readers. It is not intended as legal or financial advice. We may earn revenue if you obtain services from a provider that we recommend. See this page to learn how we support our operations.