U.S. Card Systems Review: Fees, Complaints & Lawsuits

US Card Systems Logo
U.S. Card Systems
Star Full Star Full Star Full Star Full Star Empty
U.S. Card Systems

Agree with our rating?
Tell us about your experience with U.S. Card Systems in the comment section below.

PhonePhone1 (866) 872-2737 View Pricing

Before You Switch Processors, Find Out How Other Businesses Got Fee Refunds From Their Current Processor.

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 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…

Should You Trust U.S. Card Systems?

Lawsuits, Reviews & Complaints

Here's Who We Trust.

Complaint Summary

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 also offers a customer support form on its website as well as customer service email addresses at [email protected] and [email protected]

Is the BBB Rating for U.S. Card Systems Accurate?

Better Business Bureau Profile

See Which Processors Offer No Monthly Fees And No Contracts.

BBB 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.

How Expensive is U.S. Card Systems Service?

Rates, Fees, and Contract Terms

Don't Fall Into An Expensive Trap. See Who The Worst Processors Are.

Cost Summary

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

Three-Year Agreement

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.

Industry-Standard Pricing

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.

Does U.S. Card Systems Use Deceptive Marketing?

Advertising & Sales Strategy

Audit Your Current Statement To Find Its Hidden Fees

Processing statements are intentionally complicated so that they can overcharge you. Get clarity before you switch.

Key Points

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.

Does U.S. Card Systems Deserve Your Business?

Review Summary & Our Thoughts

An Above-Average Payment Processor

U.S. Card Systems rates as a decent merchant services provider according to all available information. The company has received a handful of complaints related to its contract terms through Worldpay, but these complaints do not appear to originate with U.S. Card Systems. Merchants are encouraged to request and carefully read all contract terms before signing up for service and to compare the company’s pricing to the top overall providers.

Customer & Employee Reviews

What Others Are Saying About U.S. Card Systems

Leave a reply

Your email address will not be published. Required fields are marked *

 

9 Responses

  • GRACE SCHUMANN

    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.

  • Sarah Torkelson

    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.

  • Charlene Anderson

    I recently have had the pleasure in dealing with US Card Systems for the 1st time and I must say it has been a pleasure. From the first initial call I felt like I was being taken care of. Since this was my first time dealing with this company I was skeptical. But Amber has been a pure delight to deal with. She is really on top of things and is great at communicating the details with us and staying on top of things. I know our company is in good hands with her.

    • CPO

      administrator

      Hi Charlene,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

      • Charlene Anderson

        Warzecha Auto Works, Zimmerman MN

  • Judy Johnson

    I have been with us card systems for 10+ years and have found the customer service to be polite and very helpful. Even tho I am a very small company, I am treated with respect and they have always taken care of whatever is wrong. Thanks guys, great job

    • CPO

      administrator

      Hi Judy,

      Please reply to this comment with your business name and location in order to authenticate your testimonial. Thanks!

  • Larrys Pharmacy

    The US card systems is a very good company. They are letting us use a new credit card machine for free.

    • CPO

      administrator

      Hi Larrys Pharmacy,

      Please reply to this comment with your business location in order to authenticate your testimonial. Thanks!

Copyright

Copyright © 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.

Phillip Parker
bookmark
Credit Card Processors
date range
access time
< 1 min read
forum
9 Comments
FTC & Advertising Disclosure
We take great pride in providing one of the only objective an unbiased merchant account review websites on the internet. To support this enormous responsibility we earn some of our revenue through affiliate fees and advertising. These revenues in no way influence our ratings or reviews. Learn more about our monetization policies here.
closecloseShow disclosure
Share this post
Our Readers Frequently Choose
helcim logo
star star star star star
Helcim Payments
done
No Monthly or Annual Fees
done
Super Low Processing Rates
done
POS, Mobile, and Online Payments
Sales & Support: (888) 506-7812

Trouble Getting Approved? Try PaymentCloud
paymentcloud logo
star star star star star
PaymentCloud
done
Fast Approval of Most Industries
done
Competitive Rates
done
POS, Mobile, and E-Commerce
Sales & Support: (888) 506-7859

Educational Resources

Before You Switch Processors, Find Out How Other Businesses Got Fee Refunds From Their Current Processor.

Here Are The Processors Who Don't Hide Fees

Some processors have no monthly, no annual fees, no contract, and cheap rates.

Should You Work In Merchant Services?

It's a cut throat industry. Get the truth here.

Quickbooks Payments Too Expensive?

These processors offer Quickbooks integration and have low rates.

Here's Where To Report Bad Processors

Start by leaving a comment at the end of this review

Compare Top Rated Processors: Compare Rates

Reveal your hidden fees: Audit Your Statement

Working in merchant services: Our Free Guide