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Should You Choose U.S. Card Systems? Full Review Inside

Name: U.S. Card Systems
Item: U.S. Card Systems
Rating: 4.8
Author: Phillip Parker

Author: Phillip Parker

Updated: September 25, 2025

Maintained Since: September 22, 2015

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We take our role in providing guidance and education regarding the card payment industry very seriously. At our own expense, we have vigorously defended our right to continue expose unethical and predatory practices in the industry, successfully defeating every attempt to silence us. However, fending off frivolous lawsuits is costly. To sustain these efforts, one of the ways we generate revenue is through affiliate partnerships with ethical providers. This means that some of our outgoing links connect business owners to trustworthy, low-cost payment processors, which is what most of our readers seek. We see this revenue channel as a win-win-win for everyone involved. Business owners find good processors, processors get good clients, and we are able to continue to provide a valuable service to the small business community. We also recommend and link to many services that do not compensate us. Our priority is to guide you to the best solutions for your needs, regardless of potential revenue. If you have questions, please feel free to contact us.

All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.

U.S. Card Systems

Rating

4.8/5

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Pros

Secure transactions

Transparent pricing

Flexible contract terms

Established industry presence

A+ BBB rating

Cons

Potential hidden fees

Contractual obligations

Equipment leasing issues

Potential cancellation fees

No mobile app

Overview

In this review of US Card Systems, we take a closer look at their payment processing services, including credit card processing, point-of-sale systems, and e-commerce options. We’ll review their pricing, contract terms, and customer feedback to give you a clear picture of what they offer. We’ll also examine fee transparency, the quality of their customer support, and overall client satisfaction. By the end, you’ll know whether US Card Systems is the right fit for your business’s payment needs.

About U.S. Card Systems

Screen Capture of U.S. Card Systems Homepage — U.S. Card Systems Homepage

Located in Brainerd, Minnesota, U.S. Card Systems is a merchant account provider that claims to serve thousands of customers nationwide. The company utilizes Worldpay as its backend processor.

Products & Merchant Services

Payment Processing

U.S. Card Systems processes all major debit and credit cards for most business types. Their services include EMV card readers and swipers, POS integration, MOTO, e-commerce solutions, mobile processing, access to virtual terminals, data reporting and analysis, and gift card programs.

EMV Card Readers and Swipers

U.S. Card Systems provides EMV card readers and swipers to help businesses process secure, chip-enabled transactions.

POS Integration

The company also offers POS integration services, allowing businesses to seamlessly incorporate payment processing into their existing point-of-sale systems.

MOTO

For businesses that handle transactions via mail order or telephone order (MOTO), U.S. Card Systems offers specialized solutions.

e-Commerce Solutions

In the digital realm, U.S. Card Systems provides e-commerce solutions designed to facilitate secure online transactions.

Mobile Processing

Mobile processing services are another key offering from U.S. Card Systems. These solutions allow businesses to accept payments on the go for those operating in non-traditional or mobile environments.

Virtual Terminals

Virtual terminals are available for businesses that need to process payments without a physical terminal.

Data Reporting and Analytics

U.S. Card Systems also offers data reporting and analytics tools to help businesses better understand their transaction data.

Gift Card Programs

Lastly, the company provides gift card programs that allow businesses to create and manage their own gift card offerings.

Customer Reviews & Sentiment

Varied Reviews with a Positive Lean

While we’ve come across a few negative U.S. Card Systems reviews outside of the BBB, these complaints do not allege any fraudulent activity or scamming. Notably, there’s a larger volume of positive feedback highlighting the company’s services. We encourage readers to share their own U.S. Card Systems experiences in the comments below.

U.S. Card Systems Lawsuits and Fines

There are no ongoing class-action lawsuits or FTC complaints against U.S. Card Systems. For dissatisfied merchants seeking resolution, reporting concerns to relevant supervisory organizations is advised.

U.S. Card Systems Customer Service Options

While some complaints have surfaced regarding the responsiveness of U.S. Card Systems’ backend processor, it’s worth noting that most grievances seem directed towards Worldpay, the backend processor. Despite this, U.S. Card Systems offers a general phone line and support email address on its website. While it’s not among the top-rated processors for customer service, it garners an “A” rating in this category.

Industry Scores & User Ratings

Online Ratings Summary
PaymentPop	4
BBB Rating	3
Google Maps	4.7
Average Rating	3.9

PaymentPop Rating for U.S. Card Systems

Negative Feedback

I understand this a legitimate business, but please stop calling! I have received a call 4 days in a row from this company. If our company is interested in your business someone would have called you back. This is harassment and not appreciated.

Positive Feedback

US Card Systems has serviced my business for many years. Thanks to them for looking out for my best interest. Consulting with me to keep fees down.

U.S Card Systems BBB Rating

The Better Business Bureau currently awards U.S. Card Systems an “A+” rating and has granted the company accreditation since 2010. The company’s BBB profile has received 1 complaint in the last 36 months. The 1 complaint was resolved to the satisfaction of the merchant. U.S Card Systems has a 3 out of 5 star rating based on 2 user reviews on the Better Business Bureau website.

What Merchants Say

U.S. Card Systems has also received 3 informal reviews. All 3 reviews are positive in tone. A previous negative review accuses the company of changing rates without warning and poor customer support:

I really liked these guys. In 2009 they arranged for credit card processing rates for my business that were based on the actual interchange rates set by Visa & MasterCard plus a fixed percentage. That fixed percentage began at 0.12%. In June of 2010 they lowered that percentage to .06%. I went happily along until October of 2018 **** * *** * **** ********** **** ** ***** ***** That’s when I discovered we were no longer being charged actual interchange rates. ***** ****** ** *** ** **** ** *********** ***** ****** *** *************************************************************** * ********* **** ******* ** ** **** ******* ***** ** ********** He blamed it on the actual credit card processor ******** and told me he would help. In January of 2019 the overcharges ended and we have been returned to actual interchange pricing plus 0.06%. Hooray! The problem that remains is the period of October 2014 thru December 2019 where we overcharged in the neighborhood of $20,000. I’ve been unable to decipher some of the credit card “type codes” on some of our monthly statements. For those un-deciphered “card types”, I have no idea what the correct interchange rate should be. On the codes I was able to locate, I found $20,193.95 of overcharges. US Card Systems blames ********. When I called ******** they told me all our rates are determined by US Card Systems. In August ******** said they would ask US Card Systems to do a rate review. I’ve called US Card Systems regularly to talk about this review. The receptionist, is nice but no one is ever available and no one returns my calls. I hope you can help me get their attention. I’d also recommend that any business that believes they are getting interchange rates check their statements and look up interchange rates on line.

This merchant would have been better served by a processor with a reputation for excellent customer support.

An “A” Rating

In light of the company’s low complaint total and accreditation status, we agree with the BBB’s rating.

Google Maps Rating for U.S. Card Systems

U.S. Card Systems has a 4.7 out of 5 star rating based on 132 user reviews on Google Maps.

Positive Feedback

I’ve been with US card systems consultation program since day one for three years now and it’s been worth every penny! Not only do they make my load as a business owner lighter and take care of all my merchant fee inquires etc but also has great customer care, very thorough communication, and integrity. I’m so thankful!

Negative Feedback

Card processor never worked outside of building like promised as our business is mobile, refuse to end contract due poor credit card terminal signal, wouldn’t take a credit card after a while if it had a chip, C.C. terminal didn’t work like it was promised to do. They don’t return calls or emails, still being billed monthly for a service that hasn’t been used since 2017

Processing Rates & Fees

Three-Year Agreement

U.S. Card Systems’ typical contract is a three-year arrangement through Worldpay (formerly Vantiv), incorporating a $250 early termination fee, an annual fee of $199, and a $20 monthly PCI non-compliance fee. Additionally, there are indications that U.S. Card Systems may offer long-term, non-cancellable equipment leases with significant early termination penalties akin to liquidated damages.

Given Worldpay’s role in back-end processing, U.S. Card Systems’ rates for merchants could reflect a variation of Worldpay’s pricing. Worldpay’s standard contract generally involves rates of 2.90% plus $0.30 for swiped transactions and 3.30% plus $0.30 for keyed-in transactions. However, direct sign-ups with Worldpay may result in higher rates and longer contracts than through a reseller.

Virtual Terminal and Payment Gateway Pricing

In its portfolio, U.S. Card Systems also includes virtual terminal and payment gateway services, although their pricing details are not clearly disclosed. It’s reasonable to expect additional fees for these services, such as gateway fees, technical support fees, batch fees, and extra transaction rates, especially for e-commerce services.

Industry-Standard Pricing

The pricing terms of U.S. Card Systems align with industry norms but have led to a number of public complaints. Main concerns among merchants revolve around the early termination fee and ongoing monthly charges. Merchants seeking more favorable terms may consider switching to a low-cost payment processor. For more insights or specific details about U.S. Card Systems’ standard contracts, including any PCI compliance fees or monthly minimum fees, contributions in the comment section are welcomed.

We encourage merchants to also explore our selection of the top merchant account providers.

Employee Reviews & Sales Practices

U.S. Card Systems Sales Approach

U.S. Card Systems appears to utilize telemarketing, in-house sales, and traditional advertising to market its services. It is unclear at this time whether the company employs independent sales agents, but we have found two negative U.S. Card Systems reviews that mention aggressive telemarketing tactics and nondisclosure of the company’s contract length and cancellation fees. These U.S. Card Systems complaints appear to be isolated incidents rather than widespread issues, so they will not impact the company’s score too severely in this category.

U.S. Card Systems’ approach compares favorably to our list ofbest credit card processors.

No Deceptive Rate Quotes

To its credit, U.S. Card Systems does not advertise any misleading rate quotes or unrealistic guarantees in its official materials. However, if you find undisclosed fees within the contract you signed, we recommend renegotiating your pricing immediately.

U.S. Card Systems Competitors

Compare U.S. Card Systems to competitors that earned top marks.

Pricing

Bottom Line

U.S. Card Systems rates as a decent merchant services provider based on all available information. Although the company has received a handful of complaints regarding contract terms through Worldpay, these grievances do not appear to originate directly with U.S. Card Systems. Merchants should request and thoroughly review all contract terms before committing to service. They should also compare U.S. Card Systems’ pricing to top overall providers to ensure they receive the best value.

Read Actual User Reviews

See User Reviews Write a Review

All user reviews have been moved to our partner, PaymentPop.com

Contact U.S. Card Systems

Contact & Customer Support
President	Brent Kramer
Headquarters	17163 State Highway 371, Brainerd, Minnesota 56401
Toll-Free Customer Support	(866) 872-2737
Fax	(218) 824-1551
Additional Support Channels	Online Contact Form
Website	uscardsystems.com

About Us

CardPaymentOptions.com

Established 2009

My name is Phillip Parker, and I started this website back in 2009 as a simple blog to call out shady credit card processors that were taking advantage of small business owners. At the time, I had no idea this side project would grow into a leading voice pushing for transparency and integrity in the payment processing industry. I also didn't anticipate just how far some of these companies' owners would go to try to silence me.

I was recruited out of college for a sales role with a credit card processor. At the time, I didn't realize the “training” was really about tricking me... into selling business owners expensive processing with hidden fees and long-term service agreements. In my first few sales, I unknowingly cost friends and family thousands of dollars after they trusted me to switch their services. When it finally clicked that something was seriously wrong, I was furious. I quit immediately and made a promise to expose that company and any others operating the same way. That promise is what led to the creation of this website.

As I wrote about these processors, their tactics, and the people behind them, the articles started to spread among business owners. News organizations picked up the stories, readers shared them online, and traffic to the blog took off. Unsurprisingly, that also caught the attention of the companies and individuals I was exposing.

Over the last 17 years, I've received several anonymous death threats and defeated four lawsuits meant to intimidate me into taking my blog down. Their efforts to muzzle me only made my determination to expose them even stronger, leading me to work with state authorities to help shutdown some of the worst offenders.

I'm proud to say that of the millions of people who have read my work, thousands have taken the time to write and thank me for helping them narrowly avoid a very costly mistake. This blog has played a small role in pushing the industry toward more ethical practices - but there are still bad actors out there, which means the work isn't done.

If I can offer one piece of advice, it's this: get every promise in writing, and take the time to review contracts carefully. Tools like ChatGPT can help surface red flags and uncover expensive surprises buried in the fine print.

If you've made it this far, thank you for reading. I truly appreciate you being here, and I wish you every success with your business.

Our Research Methodology

Pricing & Fees

We analyze all costs including rate structures (interchange-plus, tiered, flat-rate, etc), monthly fees, equipment costs, early termination fees, and hidden charges. This data is gathered from service agreements, statements and client feedback.

Features & Technology

Evaluation of POS systems, e-commerce integrations, mobile capabilities, reporting tools, recurring billing..., and developer resources. When possible, we directly test services and hardware. Otherwise, we rely on client feedback and public information.

Customer Support

We evaluate availability across phone, email, chat, and social channels. Measuring hold times, night and weekend availability, and client feedback regarding effectiveness, professionalism, and resolution rates.

Contract Terms & Conditions

We review service agreements and equipment contracts for reasonability, transparency, and fairness. We focus on uncovering any predatory clauses, such as unjustified early termination fees, hidden costs, and unclear cancellation policies.

User Experience

We comb the internet and interview current and former clients to evaluate the overall user experience and identify any common pain points that may impact the user experience.

Sales & Marketing Practices

We evaluate sales tactics, marketing materials, and client feedback to determine the level of transparency and ethical nature of the provider's approach. Does the provider publicly disclose pricing? Do they use teaser rates? We score based on these and other factors.

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