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USB Payment Processing: Card Processing Reviews & Complaints
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USB Payment Processing
In addition to e-commerce and mobile processing, USB Payment Processing also processes all major debit and credit cards at point-of-sale machines. It offers both larger POS terminals and EMV card readers/swipers.
USB Payment Processing Credit and Debit Card Services
USB Payment Processing provides credit and debit card processing services that enable businesses to accept these forms of payment from their customers. Through their services, businesses can process various card payments, including Visa, MasterCard, American Express, and Discover. Their solutions are designed for various business models, encompassing both brick-and-mortar and online businesses.
E-commerce Solutions by USB Payment Processing
USB Payment Processing has a range of e-commerce solutions tailored to the needs of businesses operating online. Their services include secure, PCI-compliant payment gateways (Authorize.net) that integrate with a business’s website or online store.
Mobile Payment Processing from USB Payment Processing
For businesses that operate on the go, USB Payment Processing offers mobile payment processing solutions through Vital devices. Their services enable businesses to accept credit and debit card payments through mobile devices, providing a flexible and convenient way to handle transactions outside of traditional settings.
POS Systems and Terminal Services by USB Payment Processing
USB Payment Processing also offers Point of Sale (POS) systems and terminal services. These solutions are designed to streamline in-person transactions and can include features like inventory management and customer relationship management. USB offers Verifone, Clover, and Vital POS devices.
Location & Ownership
USB Payment Processing NE, Inc. is a registered ISO/MSP of Wells Fargo Bank, N.A, in Concord, California, and is located at 8501 Lasalle Road, Suite 300, Towson, Maryland 21286. Marc Reibman is listed as the CEO of USB Payment Processing.
Table of Contents
USB Payment Processing Customer Reviews
Here's What Their Clients Say
|Total Online Complaints||10+|
|Live Customer Support||Yes|
|Most Common Complaint||Telemarketing|
Low Complaint Total
We are currently able to locate more than 10 USB Payment Processing reviews, some of which accuse the company of being a ripoff or a scam. Most of these USB Payment Processing reviews report aggressive, persistent sales calls from the company, although some merchants complain of difficulty canceling the service or unexpected fees. There are also a handful of positive USB Payment Processing testimonials to be found online, but their veracity has not been determined at this time. The USB Payment Processing complaint total is low for a company that has been operating since 1996, and there does not appear to be an especially troubling trend among complainants. If you have your own USB Payment Processing review to make, please do so in the comments below.
USB Payment Processing Lawsuits and Fines
We have not found any outstanding class-action lawsuits or FTC complaints filed against USB Payment Processing. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
USB Payment Processing Customer Support Options
The USB Payment Processing website lists standard and after-hours customer support phone numbers, but these channels are not sufficient to qualify the company as a top-rated merchant account provider for customer service.
USB Payment Processing Customer Service Numbers
- (800) 254-7171 – Customer Service
- (410) 828-4286 – Local Office
- (800) 745-6537 – Technical Support
Other Support Options
USB Payment Processing Online Ratings
Here's How They Rate Online
Under 5 Complaints
USB Payment Processing is not an accredited business with the Better Business Bureau. As of this review, the company has an “A+” rating with the BBB and has had 1 complaint filed against it in the last 36 months. The complaint was resolved to the dissatisfaction of the client or received no final response.
What Merchants Say
USB Payment Processing has also received 3 informal reviews to its BBB profile, all negative. The most recent review describes aggressive sales techniques:
USB Payment Processing NE, Inc. has called our office on numerous occasions from various telemarketing numbers. As the assistant in the office, I am required to answer any call that comes in. When an attempt is made to verify who the caller is and what they want – as is standard procedure in our office, the caller becomes extremely combative and berates or otherwise verbally abuses whoever is unlucky enough to have answered the phone, which is generally me. I have attempted to request they remove us from their list several times, and in general the caller either hangs up as soon as they hear “remove”, presumably so they can say we didn’t ask, or they respond sarcastically or, on one occasion with threats, before hanging up. The calls never come from the same number twice, and never come from the actual company’s number that is listed on their website. But the caller always identifies them self as “[so-and-so] calling from USB up in Towson.”
This business would be better served by one of our top-rated processors.
An “A” Rating
In light of the company’s complaint total and resolution ratio, we agree with the BBB’s rating at this time. Business owners should note, however, that there are good reasons to be skeptical of the BBB’s rating system.
USB Payment Processing Fees, Rates & Costs
A Closer Look at The Contract
|Processing Rates||1.00% - 4.99%|
|Monthly & Annual Fees||Yes|
There is very little specific information available about the standard USB Payment Processing rates or contract at this time. According to client complaints and company rebuttals, the company’s standard agreement is a contract through TransFirst that lasts for 3 years and may include a $295 setup fee and an early termination fee of $495. We have also seen complaints about long-term equipment leases through a third party called “ABC Leasing.” We have not located any specific mentions of a PCI Compliance fee, annual fee, or monthly minimum fee.
Virtual Terminal and Payment Gateway Pricing
In addition to its storefront payment processing services, USB Payment Processing also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. 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.
USB Payment Processing Contract Terms
The low number of complaints about the company’s rates and fees indicates that most of USB’s clients are satisfied with their contract terms, but the company’s known terms – while not competitive with the cheapest merchant accounts– are more or less average for the industry. If you have any knowledge about the standard USB Payment Processing contract, please leave that information in the comment section of this review.
We also encourage business owners to check out our list of the providers of the best merchant accounts.
USB Payment Processing Employee Reviews & Sales Tacitcs
Should You Work For Them?
|Uses Independent Resellers||No|
|Discloses All Important Terms||No|
USB Payment Processing appears to rely on telemarketing as well as referral, partner, and affiliate networks to market its services. It is unclear at this time whether the company employs independent sales agents, but it is not showing a high complaint volume that might be typically associated with this practice. We are currently able to locate over five USB Payment Processing complaints that accuse the company of poor sales standards, specifically aggressive telemarketing and nondisclosure of contract terms. Company representatives have apologized for the complaints about persistent sales calls, but they have maintained that all pricing and contact information was disclosed at the point of signing. Clients also report nondisclosure of equipment lease costs. In general, this does not compare favorably to our list of best credit card processors.
No Deceptive Ads
As a point in its favor, the company does not appear to engage in deceptive advertising strategies in its official materials. However, the persistent complaints about unwanted sales calls have lowered its score in this section to a “B.” If you suspect that USB Payment Processing is charging you hidden fees, however, we recommend seeking a third-party statement audit.
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