Vantage Card Services Review: Fees, Complaints & Lawsuits

Vantage Card Services
Vantage Card Services Rating
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image of a phone image of a phone that changes when your mouse hovers over it (800) 397-2380 View Pricing

Not to Be Confused With Vantage Payments

Vantage Card Services, Inc. is a merchant account provider headquartered in Woodstock, Georgia. The company was founded in 1996 and is a reseller of TSYS and Global Payments and offers an interchange-plus pricing option. Vantage Card Services should not be confused with Vantage Payments, a Scottsdale, Arizona-based provider that has no affiliation with the company described in this review.

Vantage Card Services Payment Processing

Vantage Card Services provides payment processing for most types and sizes of businesses. This includes credit card and debit card processing with EMV and NFC terminals, tablet POS, and mobile solutions.

Vantage Card Services Location and Ownership

Vantage is a registered ISO of Wells Fargo Bank, NA, Concord, California, and is located at 2230 Towne Lake Parkway, Building 400, Suite 110, Woodstock, GA. Ted Hardison is the president and CEO of Vantage Card Services while Deborah Hardison is listed as an owner.

Vantage Card Services Review Table of Contents

  • Costs & Contract: Vantage Card Services offers a month-to-month contract with…
  • Complaints & Service: Vantage Card Services complaints number fewer than 10 on public…
  • BBB Rating: Vantage Card Services has an “A+” rating and has received 1 complaint in the past 3 years. The company has been…
  • Sales & Marketing: Vantage Card Services does not appear to hire independent sales agents and has not…

Vantage Card Services Customer Reviews

Here's What Their Clients Say

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

No Public Complaints

Despite being in business for over 20 years, we have only been able to find 2 negative Vantage Card Services reviews from merchants about Vantage Card Services. One Vantage Card Services complaint was left in this review and suggests that Vantage is turning away new merchants or possibly out of business, but no other sources support this assertion. It is possible that the company does deny some applications for industry-standard reasons. The other Vantage Card Services complaint was left by a merchant who detailed issues with their credit card terminal and found the company’s customer service unhelpful in their pursuit of a resolution to the issue. If you have your own Vantage Card Services review to make, please do so in the comments below.

Vantage Card Services Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Vantage. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Vantage Card Services Customer Support Options

Vantage offers live phone support during its business hours as well as after-hours phone support through TSYS and Global Payments. Given the company’s clean complaint record, it appears that these channels do a more-than-adequate job of resolving merchant complaints in-house.

We have located a single Vantage Card Services customer service phone number:

(800) 397-2380 – Toll-Free Support

Vantage Card Services also offers a customer support email address at [email protected]

Vantage Card Services Online Ratings

Here's How They Rate Online

Online Ratings Summary
Item Result
Total BBB Complaints 1
Response Rate 100%
Complaints Resolved 0

Under 5 Complaints

Vantage Card Services currently has an “A+” rating with the Better Business Bureau and has been accredited since 2002. The company’s BBB profile is showing 1 complaint in the past 36 months. The 1 complaint was resolved to the dissatisfaction of the merchant or received no final reply.

An “A” Performance

Given the company’s generally clean complaint record, we agree with the BBB’s rating.

Vantage Card Services Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Item Result
Cancellation Penalties None
Monthly & Annual Fees Unknown
Processing Rates Interchange Plus
PCI Compliance Fee Undisclosed
Equipment Lease Terms 48 Month (locked)

Month-to-Month Contract

According to the standard Vantage Card Services contract, Vantage Card Services offers a month-to-month contract through TSYS or Global Payments with no early termination fees and an interchange-plus pricing model. These terms are usually the most competitive options available for merchants, although we do not know the company’s specific rates and fees at this time. The contract does detail equipment leasing through Global Payments, which is a non-cancelable agreement lasting for 48 months.

No Contract Complaints

There are no public Vantage Card Services complaints about the company’s contract terms, so it’s reasonable to assume that Vantage usually delivers on the promise of its advertisements. Additionally, Vantage advises merchants to purchase rather than lease equipment, which we agree is good advice in nearly all cases. Overall, Vantage’s sales copy and the statements it makes about its contract terms suggest that it deserves an “A” rating in this section. If you have any specific knowledge of the standard Vantage contract (including any PCI compliance fees or monthly minimum fees), please share that information in the comment section below this review.

Vantage Card Services Employee Reviews & Sales Tacitcs

Should You Work For Them?

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

In-House Sales Team

Vantage appears to utilize a combination of strategic partnerships, traditional advertising, and field agents to market its services. There is no indication that the company employs a large staff of independently contracted sales agents, and we cannot find any Vantage Card Services reviews that describe deceptive sales tactics by the company’s agents. In fact, the Vantage website includes a great deal of useful information for merchants, including a warning against long-term contracts with early termination fees and an explanation of tiered pricing versus interchange-plus pricing.

No Red Flags

In general, the company appears to place an emphasis on fair, transparent marketing tactics. We have therefore assigned it an “A” rating in this category. However, if you suspect that Vantage is overcharging you, you can double-check your monthly bill with a third-party statement audit.

Our Vantage Card Services Review Summary

Our Final Thoughts

A Solid Option for All Standard-Risk Business Types

Vantage Card Services rates as an exemplary merchant services provider according to all available information. The company enjoys a low complaint record across all consumer protection sites and appears to promote transparency in its sales practices. Our rating for Vantage may be subject to change once more information is available about its contract terms. For now, merchants are encouraged to compare the company’s pricing to that offered by the top-rated merchant accounts in order to obtain the best possible deal.

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Your Comments & Reviews

How Did Vantage Card Services Treat You?

2 Responses

  • Stephanie carrillo

    Modest spot salon

    Worst company ever!

    A major glitch in their system. After swiping a clients debit card 5xs realized vantage was dealing with an issue on their end! Those charges are authorized on their end but not processed. I have zero record on my batch. So they are sitting in the cloud somewhere. This happened Tuesday 3/28 and I was offered zero assistance and I had to refund my clients money out of my own pocket. Still waiting for the charges to drop off and vantage to take full responsibility. Also cards that are manually entered go through and vantage will not be refunding the higher fee for manually entering. Once this situation is resolved I will no longer be working with vantage and I recommend you look elsewhere

  • Robert Crawley

    Because this company was listed as a top company, I gave them a call. I wanted to use their services and was told by the person answering the call that they weren’t interested in working with me and then hung up on me. Very strange. i called back and said “I am curious as to why you are not interested” got some vague answers and I asked if I could talk to a sales person. She said they don’t have any right now. In other words, they don’t seem to be a going concern from my perspective. Don’t bother to talk to them. i rate them a 1!

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