Vantage Card Services Reviews & Complaints

Vantage Card Services
Overall Score
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How did they treat you?


In this review of Vantage Card Services, we will provide a detailed overview of the company's credit card processing services. We will cover the range of services they offer, including point-of-sale (POS) systems, mobile payment solutions, and e-commerce capabilities. The review will identify the types of businesses that might benefit from these services. Additionally, we will examine client and customer reviews to highlight common trends and potential concerns. The article will also address the company's pricing structure, contract terms, and specific services provided. By the end of this review, you will understand whether Vantage Card Services meets your payment processing needs.

About Vantage Card Services

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 Products and Services

Payment Processing

Vantage Card Services offers payment processing for a wide range of businesses, regardless of type or size. Their services include credit and debit card processing using EMV and NFC terminals, tablet point-of-sale systems, and mobile payment solutions.

Vantage Card Services Customer Reviews

Here's What Their Clients Say

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

No Public Complaints

Over its 20-plus years in business, only two negative Vantage Card Services reviews have been located. One of these reviews raises concerns about Vantage potentially declining new merchants or being out of business, a claim that remains unsupported by other sources. It’s conceivable that Vantage might reject some applications for reasons typical within the industry. The other complaint describes a merchant facing issues with their credit card terminal and dissatisfaction with the customer service provided while seeking a solution. We invite you to contribute your own experiences with Vantage Card Services in the comments section below.

Vantage Card Services Lawsuits

No significant class-action lawsuits or FTC complaints have been discovered against Vantage Card Services. Merchants preferring non-litigious resolutions are encouraged to report their concerns to appropriate supervisory bodies.

Vantage Card Services Customer Support Options

Vantage Card Services offers live phone support during business hours, along with after-hours support via TSYS and Global Payments. This comprehensive support system contributes to the company’s favorable complaint record, indicating effective resolution of merchant issues.

Here is the Vantage Card Services customer service phone number:

(800) 397-2380 – Toll-Free Support

Vantage Card Services also provides a customer support email at [email protected], offering an additional channel for assistance and inquiries.

Vantage Card Services Online Ratings

Here's How They Rate Online

Online Ratings Summary
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
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

Vantage Card Services, through partnerships with TSYS and Global Payments, provides a flexible month-to-month contract featuring an interchange-plus pricing model. This structure is often viewed favorably by merchants for its transparency, although specific rates and fees are not disclosed. The agreement also mentions equipment leasing through Global Payments, which entails a non-cancelable 48-month term.

No Contract Complaints

The absence of public complaints regarding Vantage Card Services’ contract terms suggests a positive merchant experience, aligning with the company’s promotional materials. Vantage recommends that merchants purchase equipment outright instead of leasing, advice that aligns with industry best practices for cost efficiency. Given this guidance and the lack of negative feedback on its contract terms, Vantage is rated highly in this area. Merchants with direct experience regarding Vantage’s fees, including PCI compliance or monthly minimums, are encouraged to contribute their insights in the comments section.

Vantage Card Services Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
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

Vantage Card Services is widely regarded as an exemplary merchant services provider based on current information. With a remarkably low complaint record across consumer protection platforms, the company seems to uphold transparency in its sales practices, building trust and credibility among its merchant clientele. This strong reputation suggests a dedicated commitment to customer satisfaction and ethical business operations.

A comprehensive assessment of Vantage’s overall value will depend on a clearer understanding of its contract terms, which remain somewhat undisclosed. Our rating might evolve as more details come to light. In the meantime, merchants are encouraged to review the company’s pricing structure carefully, comparing it with those of top-rated merchant accounts to secure the most favorable and cost-effective deal. This will help business owners make informed decisions that align with their specific needs and financial goals, ensuring they receive the highest value from their merchant services provider.

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.

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Testimonials & Complaints

How Did Vantage Card Services Treat You?

2 User Reviews

  • 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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