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U.S. Card Systems Review: Fees, Complaints & Lawsuits
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Payment Processing for U.S.-Based Merchants
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 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.
U.S. Card Systems Review Table of Contents
- Costs & Contract: U.S. Card Systems offers a three-year contract through Worldpay with…
- Complaints & Service: U.S. Card Systems complaints number fewer than 10 on…
- BBB Rating: U.S. Card Systems has an “A+” rating and has received 1 complaint and 3 reviews in the past 3 years. The company has been…
- Sales & Marketing: U.S. Card Systems does not appear to hire independent sales agents and has…
U.S. Card Systems Customer Reviews
Here's What Their Clients Say
|Total Online Complaints||<10|
|Live Customer Support||Yes|
|Most Common Complaint||N/A|
Mostly Positive Reviews
We have found a handful of negative U.S. Card Systems reviews outside of the BBB, and these complaints do not accuse the company of being a ripoff or a scam. In fact, we have found a much larger number of positive testimonials about the company. If you have your own U.S. Card Systems review to make, please do so in the comments below.
U.S. Card Systems Lawsuits and Fines
We have not found any outstanding class-action lawsuits or FTC complaints filed against U.S. Card Systems. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
U.S. Card Systems Customer Service Options
One available complaint describes inept and unresponsive customer support from U.S. Card Systems’ backend processor. This echoes other online complaints, which uniformly take issue with Worldpay’s business practices and contract terms. It is our policy to hold resellers accountable for the contract terms they market, so these complaints will be taken into account. However, it should be noted that few merchants seem to encounter poor service directly from U.S. Card Systems, which provides a general phone number and support email address on its website. We have therefore assigned it an “A” in this section, but we do not consider it a top credit card processor for customer service.
We have located multiple U.S. Card Systems customer service phone numbers:
(866) 872-2737 – Toll-Free Customer Support
(218) 824-1551 – Fax
U.S. Card Systems Online Ratings
Here's How They Rate Online
|Total BBB Complaints||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
|Monthly & Annual Fees||Yes|
|Processing Rates||1.00% - 4.99%|
U.S. Card Systems offers a three-year standard contract through Worldpay (formerly known as Vantiv) with a $250 early termination fee, an annual fee of $199, and a $20 monthly PCI non-compliance fee. There is also some evidence that the company resells long-term, non-cancellable equipment leases that impose liquidated damages-style early termination fees.
Since Worldpay handles the back-end processing for the company, it is likely that the rates charged to merchants by U.S. Card Systems will be some variation of theirs. A typical WorldPay contract assesses rates of 2.90% plus $0.30 for swiped transactions and 3.30% plus $0.30 for those that are keyed in. Auspiciously, a review of its merchant account services shows consistent feedback that merchants are more likely to experience higher rates and longer service agreements by signing up directly with WorldPay instead of through a reseller.
Virtual Terminal and Payment Gateway Pricing
In addition to its storefront payment processing services, U.S. Card Systems also dedicates a portion of its website to advertising its virtual terminal and payment gateway. However, pricing is not disclosed on either of those services. Additional rates and fees, including gateway fees, technical support fees, batch fees, and additional transaction rates typically apply to these e-commerce services.
These terms are more or less average for the industry, and they have generated a handful of public complaints online. Merchants cite the early termination fee as well as the monthly costs imposed by the company as their primary issues. These merchants could see an end to their frustrations by instead signing up with a low-cost payment processor. If you have any specific knowledge of the standard U.S. Card Systems contract (including any PCI compliance fees or monthly minimum fees), please share that information in the comment section below this review.
We also encourage merchants to check out our list of the providers of the best merchant accounts.
U.S. Card Systems Employee Reviews & Sales Tacitcs
Should You Work For Them?
|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.
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