U.S. Card Systems Reviews & Complaints

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4.8
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Payment Processing for U.S.-Based Merchants

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.

U.S. Card Systems 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.

U.S. Card Systems Customer Reviews

Here's What Their Clients Say

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

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.

U.S. Card Systems Customer Service Information

  • (866) 872-2737 – Toll-Free Customer Support
  • (218) 824-1551 – Fax

Other Support Options

U.S. Card Systems Online Ratings

Here's How They Rate Online

Online Ratings Summary
Total BBB Complaints 1
Resolution Rate 100%
Complaints Resolved 1

Under 5 Complaints

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.

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.

U.S. Card Systems Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Cancellation Penalties Yes
Monthly & Annual Fees Yes
Processing Rates 1.00% - 4.99%

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.

U.S. Card Systems Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Employs Independent Resellers Unknown
Advertises Deceptive Rates No
Discloses All Important Terms No

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 of best 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.

Our U.S. Card Systems Review Summary

Our Final Thoughts

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.

Location and Ownership

U.S. Card Systems is a registered ISO/MSP of Fifth Third Bank, Cincinnati, Ohio, and is headquartered at 17163 State Highway 371, Brainerd, Minnesota 56401. According to the Better Business Bureau, Brent Kramer is the president of U.S. Card Systems.

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Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did U.S. Card Systems Treat You?

10 User Reviews

Tell Us How They Treated You

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