Allied Commercial Financial Review
Allied Commercial Financial is a registered ISO of Wells Fargo Bank that specializes in payment processing and POS solutions for small companies. The company resells products and services from First Data and is based out of Tempe, Arizona. Allied Commercial Financial favors multi-year, fixed contracts and non-cancellable equipment leases. It’s best for smaller merchants who are searching for a long-term payment solution.
|Swipe Rate||1.00% - 4.99%|
|Keyed-in Rate||1.00% - 4.99%|
|Early Termination Fee||$500|
|Contract Terms||3 Years|
Allied Commercial Financial Overview
Allied Comercial Financial was founded by current COO Blake Zinke in 2012. Zinke previously worked for Paradigm Direct, MobiSquad, and Entrust Bankcard. The company’s marketing material suggests its focus is on smaller merchants, in industries like:
- Clothing and apparel
- Personal service
- Food and beverage
Allied Commercial favors multi-year, long-term contracts. But the company does not list the fees that it charges for each of its services on its website. Interested merchants will need to contact Allied Commercial directly to determine whether the company’s fees align with their budget.
The company has no merchant-submitted reviews on the Better Business Bureau’s website. But reviews found on other sites suggest troubling practices. Complaints cite Allied Commercial’s aggressive sales tactics, deceptive equipment lease contracts, and downright dishonest price quotes.
Allied Commercial Financial Pros & Cons
Allied Commercial Financial Products & Services
One of Allied Commercial Financial’s main services is the leasing of terminals to merchants. The company has several models to choose from, including the:
These offer varying benefits, which gives merchants some flexibility in picking the right terminal for their specific needs. But the company does not list how much it costs to lease any of these terminals on its website.
Mobile Payments and eCommerce Solutions
Allied Commercial offers a mobile payment solution called AprivaPay Plus. It claims to make it easier for merchants to accept and process mobile payments. The program can be used on any Apple or Android device as a mobile POS. AprivaPay Plus is EMV-capable so you can accept cards with chips on them without issue.
Allied Commercial Financial also says that it can integrate with almost any website shopping cart program that a merchant might use. But it offers very little information about what its eCommerce service looks like. So it’s unclear how exactly it will benefit merchants who use it.
Clover All-In-One Merchant Solution
The company’s Clover system is marketed as an all-in-one POS solution. It’s designed to replace a merchant’s cash register, receipt printer, barcode scanner, and payment terminal. With Clover, a merchant can accept the most commonly used forms of payment, including Apple Pay, EMV, standard debit and credit swipes, and gift cards.
Allied Commercial Financial Advertising & Sales
Allied Commercial uses a combined sales approach. The company has been known to use telemarketing, inside sales, and outside sales representatives to sell its products. There have been several consumer complaints lamenting the company’s aggressive telemarketing tactics.
Allied Commercial Financial doesn’t advertise deceptive rates. But then, the company doesn’t advertise any rates at all. That makes it difficult to determine what their sales process really looks like. More likely than not, it varies from merchant to merchant.
Truth in Marketing
|Advertises Deceptive Rates||No|
|Discloses All Important Terms||No|
|Public Pricing Available||No|
Allied Commercial Financial Pricing, Rates & Fees
The only information that’s available about Allied Commercial’s pricing and fees comes from unverified online sources. For example, some merchant reviews have said that Allied uses a “program cost” of as much as $79 per month. The reviews state that if a merchant pays this cost, then Allied will supposedly lock in low rates for them.
Another internet rumor suggests that Allied Commercial Financial caps the cost of its terminal lease agreements at $65 per month. But this is also unverified and should be taken with a grain of salt.
Our knowledge of the fees that Allied Commercial charges is a bit more complete. Merchants can expect to encounter:
- PCI compliance fees
- Monthly minimum fees
- Per-transaction fees
- Statement fees
Pricing At A Glance
|Swiped Rate||1.00% - 4.99%|
|Keyed-in Rate||1.00% - 4.99%|
|Mobile Payment Rate|
|Virtual Terminal Rate||1.00% - 4.99%|
|Payment Gateway Fee||Undisclosed|
|Early Termination Fee||$500|
|PCI Compliance Fee||Undisclosed|
|Equipment Lease Terms||48 Month (locked)|
|Address Verification Service (AVS)|
|Account Setup Fee||$0|
|Gateway Setup Fee|
Allied Commercial Financial Contract & Terms
The exact terms of a merchant’s contract with Allied Commercial Financial will depend on the specific nature of their business. So it’s impossible to say exactly what your contract with Allied would look like, especially since the company makes none of this information public.
However, we do know a few things about the terms that the company likes to employ. Allied prefers multi-year agreements that last around 48 months. Leaked contracts show that the company also has an early termination fee of $500.
Most importantly, Allied Commercial Financial uses non-cancellable equipment leases. This is very unfavorable towards merchants, as it prevents them from changing their contract if it no longer works for them at some point in the future.
Allied Commercial Financial Setup & Support
Allied Commercial Financial has some online resources and guides that make the setup process a bit easier for merchants. Our research also suggests the company offers live online support during the setup process in some instances.
But the company’s support services are below par overall. Allied offers live phone support to merchants, which is standard for the industry. But it appears that the company requires merchants to contact third-party providers to get help with equipment lease issues. This can be a real hassle and is worse support than you would expect from a merchant services provider.
Allied Commercial Financial Complaints, Ratings & Reviews
Allied Commercial Financial has no reports or ranking registered with the Better Business Bureau. But some complaints have been filed for the company on other websites. These tend to reference Allied’s aggressive sales tactics and higher-than-expected fees.
Ultimately, most of the data that’s publicly available about Allied Commercial’s quality was created by former clients since the company doesn’t share much itself. Former clients can shed light on a provider’s practices. But they also tend to have an opinion that’s been slanted by personal experience.
|BBB||NR, Allied Commercial Financial is not BBB Accredited. (0 Review; 0 Complaint)|
|3 Stars / 33 Reviews|
|Total Online Reviews||40+|
|Total Online Complaints||10+|