Advantage Payment Processing Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Standard to high risk businesses, including cannabis dispensaries.

Specializes in

Advantage Payment Processing seems to specialize in standard to high risk businesses including cannabis businesses.

Pricing Summary

Setup Fee: Undisclosed

Monthly Fee: Undisclosed

Swipe Rate: 2.69% + $0.19

Keyed-in Rate: 3.69% + $0.19

Early Termination Fee : Up To $495

Contract Terms:

Visit Advantage Payment Processing

Advantage Payment Processing (APP) is a reseller of Fiserv (formerly known as First Data). The company specializes in standard to high risk businesses including cannabis merchants.

APP was founded in 2009 as a reseller of First Data products. It is currently located in San Diego, California. Carrie Portugal was listed as the president of the company as recently as 2012.

Advantage Payment Processing Overview


Advantage Payment Processing (APP) is a reseller of First Data, now known as Fiserv. As a reseller of Fiserv, the company likely uses the Fiserv payment processing network rather than being a direct payment processor themselves.

Although APP has little information about their contract, they likely offer the Fiserv contract which is a three-year contract that includes an early termination fee as well as several other fees.

Advantage Payment Processing does provide its payment processing services to standard and high risk businesses, and specially mentions experience working with cannabis businesses.

The company is headquartered in San Diego, California, and has been in business since 2009.

APP is a small company with a low complaint profile. Customers seem happy with the pricing and the customer service they receive.

Quick Facts

Head Quarters

San Diego, California

Year Founded



Carrie Portugal - President



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Automotive
  • Beauty & Wellness
  • CBD & Hemp
  • Cigars & Tobacco
  • Clothing & Apparel
  • Convenience Store
  • Contractors
  • Electronics
  • Food & Beverage
  • Gas Station
  • Healthcare
  • Hunting & Outdoor Equipment
  • Marijuana / Cannabis
  • Medical
  • Moving Companies
  • Personal Service
  • Professional Services
  • Online Sellers
  • Restaurant / Bar
  • Retailers
  • Telemedicine
  • Thrift Store
  • Wholesalers

Business Types Served

  • B2B
  • Ecommerce
  • Enterprise Merchant Accounts
  • High Risk
  • Mobile
  • Mom & Pop
  • MOTO
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

Advantage Payment Processing Products & Services


Hardware and Software

Advantage Payment Processing is a merchant account provider that will process all cashless payments. They also provide online gateways and virtual terminals. They do not offer any long-term equipment leases.

Value-Added Services

Advantage Payment Processing offers gift and loyalty card programs. It is unclear what other additional services are available from APP.

Supported Payment Types and Services

Advantage Payment Processing will process all cashless payments including checks, cards, or online payments.

They accept all credit cards including:

American Express

They also process checks, gift or loyalty cards, and online payments through apps such as Google Wallet or Apple Pay.

Advantage Payment Processing Payment Processing

  • ACH Check Transactions
  • Cash Transactions
  • Chargeback & Fraud Prevention
  • Check Services
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • eCheck & ACH Processing
  • EMV Processing
  • Gift & Loyalty Program
  • Merchant Cash Advance
  • Mobile Card Reader
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • Payment Processing Services Integration
  • POS Equipment
  • Receipt Printing
  • Recurring Billing
  • Signature Capture
  • Virtual Terminal

Advantage Payment Processing Billing & Invoicing

  • Contingency Billing
  • Dunning Management
  • Mobile Payments
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

Advantage Payment Processing Advertising & Sales

Advantage Payment Processing relies on referrals and online marketing to sell its product. They do not use independent sales agents. Using sales agents is a common practice but can sometimes lead to a lot of customer complaints. In this case, APP does not use independent sales organizations and they have no complaints about their sales or marketing practices.

They do not use any deceptive or fraudulent language on their website.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Advantage Payment Processing Pricing, Rates & Fees


Advantage Payment Processing is not very transparent about its rates and fees, but it is a Fiserv reseller, so its rates and fees are likely to be very similar to Fiserv’s.

Fiserv offers variable processing rates. For merchants that process less than $50,000 a year the rates are 2.69% plus $0.19 for swiped rates and 3.69% plus $0.19 for keyed-in rates.

For companies that process over $50,000 a year the advertised rates are 2.29% plus $0.19 for swiped rates and 3.29% plus $0.19 for keyed-in rates.

Some of the fees included in a standard Fiserv contract include a $495 early termination fee and a monthly $19.95 PCI compliance fee.

There may also be other fees included that are not disclosed on the website, especially for customers that need virtual terminals or payment gateways.

Keep in mind that Advantage Payment Processing does provide services to high risk businesses, and some additional fees may apply to businesses that fall into that category.

Pricing at a Glance

Pricing Model

Tiered Pricing

Swiped Rate

2.69% + $0.19

Keyed-in Rate

3.69% + $0.19

Mobile Payment Rate

Virtual Terminal Rate

1.00% - 4.99%

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee

Up To $495

PCI Compliance Fee

$19.95 Per Month

Equipment Lease Terms


Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee

Monthly Minimum


Statement Fee


Advantage Payment Processing Contract & Terms

Advantage Payment Processing did not have clear details on its website about its contract terms, but it is likely the contract is similar to Fiserv.

This would be a three-year contract that includes an early termination fee of $495.

Advantage Payment Processing does not do any long-term equipment leases, so that would not be included in the contract.

Sometimes high risk businesses have stricter contract terms that don’t apply to standard-risk businesses. It is unclear if that is the case with Advantage Payment Processing, as they don’t specify on their website.

Contract Length


Early Termination Fee

Up To $495

Advantage Payment Processing Setup & Support


Advantage Payment Processing offers live customer support. There are support numbers and emails available on the website.

Every customer is set up with a dedicated personal consultant to help them through any issues in setup, as well as to provide a personal support person if they encounter any problems during the length of their contract.

Setup Highlights

  • Documentation / Knowledge Base
  • Live Online (1-on-1)

Support Highlights

  • Domestic Phone Support (Business Hours)

Advantage Payment Processing Complaints, Ratings & Reviews

BBB Rating

Advantage Payment Processing has a non-accredited Better Business Bureau profile with no complaints or reviews associated with it. The Better Business Bureau has labeled them as NR (not rated).

Other Online Reviews

Advantage Payment Processing has no complaints online which indicates that most customers are happy with the service they receive.

APP has a positive review citing excellent customer service and response time as well as competitive pricing.



NR and is not BBB Accredited. (0 Reviews; 0 Complaints)


No Reviews




5 Stars / 1 Review


Total Online Reviews


Total Online Complaints




Advantage Payment Processing Alternatives


If you're in the market for a merchant account provider, be sure to check out our user reviews, our merchant accounts guide and our top popular merchant provider picks