Velocity, LLC Credit Card Processing 2023: Reviews & Complaints

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Velocity, LLC
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Velocity, LLC

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Company Overview

Also known as Velocity Marketing Partners, Velocity, LLC was founded in 1999 as a merchant account provider that serves most standard-risk business types. There are reports connecting Velocity, Todd McCartney, or a related holding company, “T-Money Holdings,” to the follow companies:  Smart Choice Payments, Wholesale Merchant Processing, and First Choice Payments, American Payment Systems, and North American Processing Solutions.

Additionally, according to a complaint on our Payment Systems Corporation review, Smart Choice Payments, First Choice Payments, and North American Processing Solutions may be subsidiaries or related to Payment Systems Corporation, which ranks as one of the worst merchant account providers we have ever reviewed.

Todd McCartney has contested his connection or ownership to several of these companies, including North American Processing Solutions, Payment Systems Corporation, and Advantage Media Partners. He also contests a connection to “First American Payment Systems” in an email, though CPO has never alleged that the two are connected. It is difficult to determine the exact nature of some of these relationships; however, we can confirm that Todd McCartney and North American Processing Solutions have been named together in at least one lawsuit. Todd McCartney has also listed alongside various company names in legal disputes.

We can also determine from public sources that North American Processing Solutions shared an address with one of Mr. McCartney’s other companies, a Massage Envy franchise. Mr. McCartney claims in the dispute that “we only did customer service for them.” We did find evidence of another business operating under the name of American Payment Systems, LLC, listing Todd McCartney as the president and North American Processing Solutions as an alternative business name. According to online records, American Payment Systems is reported to be under the T-Money Holdings portfolio.

Alternative DBAs

  • American Payment Systems LLC, registered in Las Vegas, lists North American Processing Solutions as an alternative name.
  • A second American Payment Systems LLC, at a different Las Vegas address, lists T-Money Holdings INC as the manager.

Todd McCartney Interview

We were also able to locate a recent interview with Todd McCartney where he talks about some of his business ventures. We formerly linked this interview here, but after we posted it, it disappeared off the internet.

Also a Marketing Firm

Unlike its payment-oriented DBAs, Velocity also presents itself as a web design and online marketing firm—hence its alternate name of Velocity Marketing & Commerce. The company’s marketing services are offered alongside its e-commerce merchant accounts, but this should not obscure the fact that Velocity is as much a payment processor as it is a marketing service. Other names that have been reported to be associated with Velocity as a marketing firm in various online merchant complaints include Global Media Solutions, Wholesale Internet Solutions, and Priority Placement Media.

Velocity, LLC. Payment Processing

Velocity, LLC. offers payment processing for most major debit and credit cards for most business types. Their services include PCI compliance, mobile solutions, POS systems, MOTO, access to payment gateways, card-not-present payments, cash advances, and loyalty programs.

POS Systems

Velocity, LLC offers a range of POS systems that are designed to meet the needs of businesses in various industries. Their POS systems come with a range of features that make managing transactions simple and efficient, including inventory management, employee management, and reporting tools. Velocity, LLC’s POS systems are easy to use and come with all the features that businesses need to manage their transactions effectively.

Mobile Payments

Velocity, LLC offers mobile payment solutions that allow businesses to accept payments using their mobile devices. The mobile payment solutions are easy to use and come with all the security features that businesses need to protect their customers’ data. Velocity, LLC’s mobile payment solutions are ideal for businesses that are always on-the-go.

Gift Card Programs

Gift card programs are an excellent way for businesses to increase sales and customer loyalty. Velocity, LLC offers gift card programs that are fully customizable, allowing businesses to design their own gift cards and track sales data in real-time. Velocity, LLC’s gift card programs are easy to set up and use, and they come with all the features that businesses need to manage their gift card programs effectively.

Merchant Cash Advance

Velocity, LLC offers merchant cash advances to businesses that need quick access to capital. Merchant cash advances are an excellent alternative to traditional loans because they are easy to qualify for and provide businesses with the funds they need to grow. Velocity, LLC’s merchant cash advances are easy to apply for and come with flexible repayment terms.

Location & Ownership

Todd McCartney is listed as the president of Velocity, Wholesale Merchant Processing, Smart Choice Payments, and American Payment Systems. All four companies were formerly listed as headquartered at SW 10250  Greenburg Rd. Ste. 200, Portland, Oregon, and the Better Business Bureau also lists an updated address for Velocity at 9020 SW Washington Square Rd Ste 220, Portland, Oregon. Recently the address on the Velocity website was changed to 1211 1st Avenue N. Suite 302 St. Petersburg, FL. Velocity is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, California. It should not be confused with Velocity Merchant Services, which is a separate and unrelated payment processor based in Illinois.

Video Summary

Table of Contents

  • Costs & Contract: Offers a three-year contract with an early termination fee of $495. The company relies on the First Data (Fiserv)-powered Payeezy gateway for e-commerce services and…
  • Complaints & Service: Has received more than 30 public complaints regarding…
  • BBB Rating: Currently has an “A+” rating with the Better Business Bureau but has received 12 complaints and 8 reviews in the last 3 years across both its own BBB profile and that of Smart Choice Payments in regards to…
  • Sales & Marketing: Appears to hire independent sales agents and has received a moderate number of complaints about its…
Velocity LLC payment processing
Velocity, LLC. offers standard payment processing

Velocity, LLC Customer Complaints & Reviews

Here's What Users Think

Complaint Summary

Total Online Complaints
Live Customer Support
Most Common Complaint
Poor Service
Recent Lawsuits

Moderate-to-High Complaint Total

We are currently able to locate more than 30 negative Velocity reviews, some of which accuse the company of being a scam. This total does not include the more than 20 complaints we have found regarding Smart Choice Payments or the additional complaints filed against Wholesale Merchant Processing, First Choice Payments, and North American Processing Solutions. Common themes among Velocity, LLC reviews include nondisclosure of contract terms, poor customer service, expensive equipment leases, and an unprofessional work environment. Many complaints (and responses from company representatives) mention all of these businesses as though they are the same company, so we will not differentiate between them in this section. Additionally, if you have your own Velocity, LLC review to make, please do so in the comments below.

Velocity, LLC Lawsuits

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

Velocity Customer Support Options

Velocity has been assigned the same rating in this section as Smart Choice Payments because there is no indication that the companies are different from each other. The company lists phone and email contact information on its website, but its complaint record precludes it from being considered a top merchant account provider for customer service.

Velocity Customer Service Number

  • (888) 505-6477 – General Customer Service

Other Support Options

  • Customer support form on its website

Velocity, LLC BBB Rating and Report

Our Better Business Bureau Profile Assessment

BBB Summary

Total Complaints
Resolved Complaints
Unresolved Complaints
Response Rate

Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.

Over 10 Complaints

Velocity, LLC, currently has an “A+” rating with the Better Business Bureau and is not BBB-accredited. The company currently has 12 complaints between its BBB profile and that of Smart Choice Payments submitted in the last 36 months. 4 of these 12 complaints were resolved by the company to the satisfaction of the merchant. The remaining 8 were resolved to the dissatisfaction of the merchant or received no final response.

What Merchants Say

Velocity has also received 8 informal reviews to its BBB profiles, 5 of which were positive in tone and 3 of which were negative. The most recent negative review regarding merchant processing describes a bad experience as an employee and poor customer service:

They treat workers like crap pick and chooses who to reprimand when all the employees are doing the same things and getting away with it. Bosses have intimate relationships with coworkers and allow it to affect work. Don’t care about any of their clients or their workers. They would have us block people who were just calling to complain about the services they were promised when they were wanting a solution. During a pandemic fired employees for being sick too often and staying home even tho it’s mandated by the state. They even purposefully unfairly taxed our checks and didn’t fix it. F*** Velocity LLC.

Merchants considering canceling service may trigger an early termination fee. However, there are ways to cancel an account without paying a fee.

A “D” Performance Overall

Despite the fact that Velocity’s BBB profile is technically separate from Smart Choice’s BBB profile, we do not differentiate between the two companies like the BBB. Therefore, we will apply the company’s other complaints to this profile for now, and adjust its rating to a “D” to reflect how our own rating system would score it.

Velocity, LLC Fees and Rates

A Closer Look at the Contract

Cost Summary

Processing Rates
Monthly & Annual Fees
Cancellation Penalties
Equipment Leasing

Three-Year Contract

According to merchant complaints, the standard Velocity payment processing contract is identical to the standard Smart Choice Payments contract. The Smart Choice Payments Merchant Application and the Smart Choice Payments Program Guide convey a three-year agreement with an early termination fee of $495, a monthly PCI compliance fee of $4.95, a monthly minimum fee of $25, a monthly statement fee of $10, and an accompanying non-cancellable, four-year equipment lease through Northern Leasing Systems.

In addition, we have found one report of an additional early termination fee of $900 that is charged upon cancellation. This sounds a lot like a similar $893.98 fee charged by Wholesale Merchant Processing, but we are unable to determine why the company charges it under either name.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, the Smart Choice Payments merchant application that Velocity, LLC relies on also references a virtual terminal and payment gateway through Payeezy, powered by First Data (Fiserv). Payeezy offers 2 separate plans, the Basic Plan and Pro Plan. Neither plan charges setup fees, statement fees, or gateway fees. The Basic Plan charges a rate of 2.90% plus $0.30. Meanwhile, the Pro Plan offers a lower rate of 1.89% plus $0.23 and a monthly fee of $19.95.

Beware Long-Term Leases

Velocity’s merchant account contract terms are more expensive than industry averages and would warrant a rating at least as low as “C” on their own. However, two other factors lower the company’s score in this section to an “F.” First, the company’s agents appear to commonly package their processing agreements with long-term equipment leases through Northern Leasing Systems. Northern Leasing Systems is notorious for selling non-cancellable four-year leases that charge thousands of dollars for equipment that can be purchased for under $500. Second, the regular complaints about nondisclosure of contract terms indicate that many businesses are signing up with the understanding that they will not face any of these fees. This makes the contract’s length and fee structure even more damaging for unsuspecting business owners.

Higher-Than-Average Costs

Velocity appears to offer substandard contract terms overall, and we do not consider its pricing to be even remotely competitive with the cheapest merchant accounts. We also encourage business owners to check out our list of the providers of the best merchant accounts.

Velocity, LLC Jobs and Employment

Hiring Standards and Ethical Marketing Assessment

Key Points

Uses Independent Resellers
Misleading Marketing
Discloses All Important Terms

Sales Complaints

Like Smart Choice Payments, Velocity appears to sell its products and services through a combination of telemarketing and independently contracted sales agents. We have found a number of Velocity, LLC reviews that cite nondisclosure of contract terms, undelivered goods, and difficulty contacting sales agents after the contract was signed. A number of complaints from former and current employees also describe a “hiring mill” type of environment. This does not compare favorably to our list of best credit card processors.

A New Type of Complaint

Velocity’s payment processing complaints generally mirror those filed against Smart Choice Payments, and some Smart Choice complaints also mention Velocity as though they are the same company. However, Velocity has also generated a growing number of complaints related to its marketing services. In particular, the company appears to offer clients the ability to advertise on hotel room keycard envelopes. Many business owners state that they never received any proof that these advertisements were created or circulated. Although this does not relate to payment processing, it is a fairly damning trend for a company that promotes itself as both a credit card processor and marketing service.

Some Red Flags

Taking into account the complaints filed against both Velocity and its various DBAs, we have assigned the company a “D” in this section. If you suspect that Velocity is charging you undisclosed fees, we recommend seeking a third-party statement audit to find and eliminate hidden costs.

Velocity LLC. marketing services

Velocity, LLC.’s hotel keycard marketing option

Velocity, LLC Review Summary

Our Final Thoughts and Opinions

Velocity rates as a substandard credit card processing services provider according to our rating criteria, just like its various other aliases. A new name does not appear to have improved the quality of the company’s service, and its add-on marketing services have only generated more complaints from merchants. Velocity, LLC should not be confused with Velocity Merchant Services, an entirely separate payment processor. Businesses who have been contacted by Velocity are advised to request and review all documentation and compare it to top-rated all-purpose payment processors before signing up.

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Customer & Employee Reviews

What Others Are Saying About Velocity, LLC

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40 Responses

  • Hannah

    I just wanted to put in writing my gratitude towards Todd for today. He took the time to personally call me and help resolve my MASSIVE dilemma and I am very thankful for his understanding, kindness, and overall comforting approach to my uncomfortable situation. I appreciate the call and help from Bradley as well today. They both took time out of their day to resolve my dilemma with my card processing. Thank you again from the bottom of my heart and Merry Christmas.

    • Phillip CPO

      Hi Hannah, please reply to his comment with you business information in order to authenticate your testimonial. Thank you!

  • scott verdow


    i am so glad we went with your company RACHEL has ben great helping staightening out my mess !!! i want to give credit to JAMISON TO HE WAS A GREAT HELP!!! I AM HOPING NOW WE GOT EVERYTHING RUNNING SMOOTH I CAN GET MY MONTHLY DUES DOWN THANX!

  • Rachel Albee

    Velocity LLC

    Thank You Wen! We strive for excellence and satisfying our customers! We are glad to hear that you recommend me personally!

  • Todd McCartney


    A lot of these companies that you have me associated with, I have never been a part of and don’t even know who they are, I would love the opportunity to talk with you in more depth as I am sure as a writer you are about the real facts

    • Former friend

      Todd ripped me off

      Yeah right now Todd is trying to sell a $2 million house for $4 million because he is so f***** financially.. look up the most expensive house in Milwaukie Oregon and that is him trying to sell it for $4 million plus his girlfriend always wants him to buy New body parts for her and reduce her gigantic nose and have Botox surgeries and of course she’s only 22.

      • Todd McCartney

        Velocity LLC

        I feel bad for you Lee Alava that you feel the need to lash out, after I blocked you and your negativity. I did not wish to associate with you anymore, after multiple warnings not to make obscene comments, nor your drug use and habitual drinking problem. Like most Americans, my finances were affected by the pandemic because I chose to continue paying all my employees. I will not apologize for always buying a home in low of the market and selling in the height of it. Maybe you should spend some time working and servicing your customers instead of posting bogus reviews and sending me photos of you smoking blunts everyday. My fiancé has never had botox. Her insurance covered her deviated septum surgery. I didn’t know body shaming was still a thing in 2021! How would you feel if someone talked about your daughter like that? Well you probably wouldn’t care seeing as you don’t pay child support, and the only way she can receive money for your child, is if you force her to clean your home.

        • Lee

          I deeply regret making these comments. It was childish and It’s no excuse but I was drunk and emotional about things. I’m sorry for body shaming, that was fucking stupid of me and I am trying my hardest to contact this site to get this string removed. I can’t even find an email from this site about it in any of my emails so I am putting this up as a notice to all that IM TRYING TO FIX THIS

  • David Mowry

    I know that this is the correct business because I have paperwork with their logo on it do not do business with them this company has 31 complaints look up velocity reviews comparisons and and lawsuits before you do business with them. I have a contract began on October 31st 2019 it is now May 25th of 21 and is still not resolved I have 40 pages of excuses in email form and have sent them to Heather and Solana and nothing has happened they they denied having a contract with me so I sent them 40 pages of emails along with the contract. When I tried to contact them I had found that they had blocked my phone number and my emails the reason why I know that is I used a friend’s phone that is on the same phone system and I could get through just fine with that including the emails they simply just stopped communicating after all the money spent and all the promises I received nothing!

    • Todd McCartney

      Velocity LLC

      I am very sorry to hear about the issues you have had with my company, I assure you that we don’t even have the capability of blocking someone on our phone system. That is neither here nor there, I would like the opportunity to satisfy any issues you have with our company, please feel free to reach out to me directly at [email protected] and I would like to satisfy your needs sir.

  • Earl Bunnell

    VMS just sent me a bill for their services claiming early termination. But have refused to release 2 months of sales that they held, claiming they could not access my account. however during the time they said they could not access my account they withdrew service fees and then when I didn’t get my money I closed my account. I spoke to several people who said they would look into it but nobody ever called me back. Now I am finding out they also did not pay on the lease of my clover station so they are now trying to collect from me too. How they can still be allowed to operate in this manner is amazing. There seems to be no recourse. i would definitely be willing to precipitate in any class action against them

    • Todd McCartney

      Velocity LLC

      I am sorry to hear what is going on with your account sir, we do not have the capability of holding you funds, First Data whom controls over 55% of the credit card processing market is in control of these situations, if you have high chargebacks or any charges in question, you must provide them or us the documentation to verify these sales, once that is completed, your money is usually released pretty quickly. Are you sure it was my company that didn’t call you back or First Data risk? Either way, I am here now to help you in anyway that I can. As far as Velocity paying on “your Clover lease”, that is not something we would do. We also would not be collecting on that, but if you shut down your bank account, there may be a collection on your lease, I am not sure how that would be our fault, but am more than willing to discuss it with you, please reach out to me a [email protected]

  • john a williams

    I received my so called free terminal from Velocity merchants in August 2020 and have yet to receive service for the terminal to this date of January 21,2021. The customer service is very poor and they do not mind taking money from your account without satisfying the contract in which agreed upon. I have a brand new terminal that is 6 months old that i have never used and am getting charged for . They REFUSE to give me the proper address to mail the terminal back to so that i can properly terminate the account .

    • Todd McCartney

      Velocity LLC

      There is no excuse for that, how can I rectify this? I will check the call records Monday and look into this ASAP, please feel free to reach out to me at [email protected]

  • Veronica Lozano

    I would like thank Rob McEahern, Bradley Housman, of Velocity LLC, with the patience and good job I experienced on the credit card legal status. There needs to be more employees in this time of need working with people like me. Sincerely thank you for your help. Hope you will always be there for me. – Veronica Lozano

    • Todd McCartney

      Velocity LLC

      Thank you Veronica for your kind words, we aim to please at Velocity

  • Capt Dan

    Great group John Jackson, Ian and Derrick were 5 stars!

  • Brad Boullear

    John Jackson was great to work with!

    • CPO


      Could you authenticate the name and location of the business you’re representing?


      • Todd McCartney

        Velocity LLC

        Brad was one of our technicians, he has recently been promoted, as we like to promote within. You may reach him at [email protected]

  • Lorie

    This company does not honor their contracts. They sell advertising on key card holders for hotels but the hotels never give out the key card holders. This is a fraudulent company. Do not give this company your credit card number.

    • Todd McCartney

      Velocity LLC

      Lorie, unfortunately, we can not force a hotel to use the key cards, 9 times out of 20 they do. I am sorry if they did not use them. I would like to offer you another hotel that will use them or a full refund of your purchase, please contact me directly to take care of this at [email protected]

  • Renee Berres

    this is a shady company. they sell you one thing, but produce another thing once you have paid up front. when I tried to get an explanation via email and phone, the “customer service” rep, and i use that term lightly, Nicole C. (should wouldn’t give me her last name) was very rude and unprofessional and would not budge from her standard practiced reply. My ad buy was not worth it and I will never do business with this company again. AVOID AVOID.

    • Todd McCartney

      Velocity LLC

      Renee, we pride ourselves at honoring all of our commitments, please tell me what it was that you purchased and we will either honor it or give you a full refund. If you’d be so kind to provide me with the date and time of your call with Nicole, I will review the call personally, please feel free to reach out to me directly at [email protected] to make sure you are 100% satisfied

  • Stacy

    Brad was very helpful! He went above and beyond assisting with our problem. He not only was kind, but patient too! He stayed on the line with me when First Data representatives were not helpful. We could not understand what they were saying, the one rep was ignoring my questions and they both hung up with out actually helping me with the problem.
    Brad took the time to try a fix the problem for our firm.
    We appreciate his time and efforts!

  • Kamal nakkour

    It is a scam, ripoff they tell something and do something else, they said we will save you 132.00$ a month l ended up with 3leases , after that ended up with two around 520.00 approximately ,l was supposed to one lease and no body care been waiting for the sales manager to call me no luck yet , they said will give cash discounts application that saves you money for 710.00$ including the lease for the equipment no luck they take 710.00$ plus two leases and 54.00 for cash discounts programs. Please be aware it is ripoff and money hangry.

    This post will help: Cancelling a Merchant Account Without Paying a Fee


    • Todd McCartney

      Velocity LLC

      Kamal, I am very pleased that you have allowed us to work with you on resolving this matter. Thank you for having my wife and our friends to dine at your amazing restaurant, the food was spectacular. As we discussed the first lease was not created by us, and we are helping you get the others closed. The sales rep was terminated and we have changed the sales process with outside reps. to ensure this won’t happen again.

  • Angi Sandoval

    Wish I would have looked up this companies reviews before I was stupid enough to sign the worst contract in the world with them. I ignored alot of what was written in the contract under the verbal promise that I will not be held to the terms of the contract. Was told that they will write in the “special instructions” part of the contract all necessary to free me. No start up costs, no cancellation fees, will beat anyones price. Oldest trick in the book!
    Please read past page 8 in your contract!!!!!!!!!! That is where the horror begins and right where I stopped reading :< Don't end up like me. I had companies deducting from my bank account at times that I was not prepared. All I can hope 4 now is that I do save money on my monthly processing fees.
    What you dont know is that these special instructions only apply to them ( the company that hires people to double talk gullible, unsuspecting business owners) great job Velocity!! Velocity is a place you will never want to hear of again afterwards. Even if you get out of your contract with them it doesn't apply to the company charging you for the equipment! One person signed me up and about 4 different companies are contacting me. Leasing equipment department, processing place, paysafe place. ITS soooo confusing. Worst part is you call to complain about what has happened. You are very happily told why you confused or co fused you are being charged? Every th ing you are comaini g about you signed and agreed to?! Wished I could reach through the phone!! Sonyea, you will be so sad to see how you screwed yourself over by not Rmreading past page 8 in the contract!!!
    I'm a joke for trusting Mark Anthony's verbal promises.

    This post will help: Cancelling a Merchant Account Without Paying a Fee


    • maruay

      WE need to report them

    • Todd McCartney

      Velocity LLC

      Hello Angi, are you sure this was my company and not Velocity Merchant Services, or another company, as we have no record in our data base of your name or a sales rep by the name of Mark Anthony. We also do not have an 8 page agreement. Please feel free to reach out to me directly at [email protected]

  • maruay

    I never get what they promise. They said My rate will go down Than I used to pay. After the first month, I end up Pay 5.26% My credit card processing only $9407.58 5.26% from $9407.58 will be 494.73+190 for Clover machine Total will be 684.73 a month this is way too much and nobody charged 5.26% in 2019. They said I will pay about $220 a month include Clover machine This is all the lie. We don’t make much money to pay over $600 a month. And I told the sale man I will sale My Bussiness soon and He’s said the Velocity will find the new customer for My contract After I sold my business They’re said I need to find somebody to take over My lease. My business has been sold 3 months already I can’t find any nobody to take over yet and I need to keep paying 123.84+190= 313.84 A month $190 for Clover machine I don’t have much money to pay every month. I contact them on jul 9 2019 12.23AM And now is 8/4/2019 10.19Pm Nobody from them can help yet.

    This post will help: Cancelling a Merchant Account Without Paying a Fee


  • Nitaya

    Reply comment for Nitaya (Velocity Merchant Services ) or Velocity, LLC website, smart choice payment, Time Payment, First Data Global Leasing, they are working together to get rip off people hide fee , high leas , lie people, they have thousand of people everywhere try to call small business, and trying to making with high fee and high leasing , they don’t need long term business with people, all they do it , charge high fee , high deposit, and go with next stupid people that believe there lies , don’t believe them , they all lies to get people try out , but when you get in , nothing will be cheap like they told

    This post will help: Cancelling a Merchant Account Without Paying a Fee

  • Nitaya

    Rip off do not even pick up phone with Velocity Merchant Services , and First Data global Leasing , Time Payment, they all same business , if you have same issue leave complaints through this website , Bad experience with Velocity Merchant Services LLC , start out my small business and been using Bank of America for 6 months, I got phone call from Velocity sale representative so many time , he will help me save my money and want me try out for 90 days, if I don’t like , I can cancel with no fee , he told me the monthly fee is 200 , after I been using for months, I found out the monthly fee is almost 600$ so I call them , and tell them that is not right, then they will fix it for me , they told me the old guy made mistakes, will buy out old leasing and get me new one , so they let me sign up another one 665 per month to fix it and then they promised will fix 665 to 120 for me , they make me put deposit 2500$ for equipment under 2000$ value , I found out they did buy old lease and I compare the rate is more than my old company, so I close my account and sent all equipments back to Velocity, they bill me terminated fee 3200$ , 8700$ And more coming from Time Payment , this is rip off , I just start out small business and my first year , I lost a lot already then this company kill my business , I have to close my , selling to other people , if anybody have same is issue, make complaints to this website

    • CPO

      Hello Nitaya,

      Is this comment regarding Velocity, LLC (the company described in this review) or a different company named Velocity Merchant Services?

      • Todd McCartney

        Velocity LLC

        100% Velocity LLC, Phillip and Rachel Mitts has been with us a very long time. It is to bad more customer don’t write when they are satisfied, we will see what we can do to fix that and change your opinion about us :)

  • Wen Dong

    This is great credit card processing company, which we have worked with for many years. The customer service representative, Rachel Mitts, is very knowledgeable and helpful. Highly recommended!

    • CPO

      Hi Wen Dong,

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

      • Todd McCartney

        Velocity LLC

        If Wendy does not get back to you, we would be more than happy to provider her business and business phone number for you sir

    • Rachel Albee

      Velocity LLC

      Thank You Wen! We strive for excellence and satisfying our customers! We are glad to hear that you recommend me personally!

    • Todd McCartney

      Velocity LLC

      Hey thank you very much Wen Dong, we appreciate your business, Rachel is awesome and has been with us for many years!


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Please note that our rating system was overhauled on April 26th, 2023. Reviews dated before this date may not score in accordance with the following.

Star Rating Criteria:

At the start of our research, all processors are awarded five stars. We deduct stars if the processor engages in any of the following business practices:

– One star deduction if the processor has any junk fees.

– One star deduction if the processor does not post its pricing clearly on its website.

– One Star deduction if the processor is suffering from moderate client complaints.

– Multiple Star deductions if a processor is suffering from severe complaints, imposes unjust cancellation fees, markets non-cancellable equipment leases, engages in predatory rate pricing, or may be engaged in illegal activities.

Get all of the details regarding out rating criteria here.

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