APS Payments Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Online and retail businesses needing integrated payment solutions

Specializes in

Payment processing solutions integrable with ERP, eCom, CRM, POS, and mobile applications

Pricing Summary

Setup Fee: $0

Monthly Fee: Undisclosed

Swipe Rate: 2.5% + $0.20

Keyed-in Rate: 3.5% + $0.20

Early Termination Fee : $295

Contract Terms:

3 Years
Visit APS Payments

APS Payments is a merchant account provider that provides payment processing solutions integrable with Quickbooks, WooCommerce, and a number of other eCommerce and ERP applications.

APS offers a standard contract of three years administered through its payment processing partner, TSYS.

The firm advertises no Early Termination Fee (ETF) for merchants who go out of business or sell their company. Otherwise, merchants who do not give APS Payments the opportunity to match a competing offer will be charged a $295 ETF upon canceling their agreement before the contract end date.

APS Payments Overview


Formerly known as “American Payment Solutions,” APS Payments is a merchant account provider that specializes in integrated payment processing solutions. The firm was established in 2004 and eventually rebranded to “APS Payments” after being acquired by Repay in 2019. APS Payments is not to be confused with APS Merchant Services, a competing merchant account provider which APS Payments has no affiliation to.

Despite its acquisition in 2019, APS Payments still operates as its own brand independent from Repay. The firm relies on TSYS, one of the largest credit card processors in the United States, for its payment processing needs.

APS Payments is headquartered in Mesa, Arizona with David Ford listed as its current CEO. The firm currently has an estimated 50 employees and is a registered ISO of Esquire Bank in Garden City, New York; Elavon, Inc; as well as the Canadian branch of U.S. Bank National Association.

Quick Facts

Head Quarters

Mesa, Arizona

Year Founded



David Ford



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Healthcare
  • Moving Companies
  • Personal Service
  • Property Management
  • Restaurant / Bar
  • Thrift Store

Business Types Served

  • B2B
  • Ecommerce
  • High Volume
  • Mobile
  • Non Profit
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

APS Payments Products & Services


APS Payments offers the following products and services, as per the company’s official website:


A 100% PCI-DSS compliant gateway that enables merchants to store customer payment credentials for future use. APS Payments advertises that the Vault offers additional reporting tools, which are secured through tokenized protection and data encryption.

Level 3 Rates

APS Payments offers Level 3 payment processing, which can provide merchants with discounted rates on Visa and MasterCard B2B transactions. It is advertised that APS Payments integration automatically ensures these quick, lower cost payments by submitting the necessary information on the merchant’s behalf.


APS’s platform which allows a merchant’s clients to pay invoices with one click. ClickToPay is developed to integrate with a large variety of leading ERP, eCom, CRM, POS, and Mobile applications. However, in the case of a prebuilt integration, ClickToPay has an API that allows for custom integration.

ClickToPay Direct

Enables a merchant’s customers to make secured transfers while also reducing chargeback replies to 72 hours for B2B transactions.

Additional services include ACH transfers, billing assistance products, an online payment gateway. For more information on a particular product or service from APS Payments, see the company’s official website.

APS Payments Payment Processing

  • ACH Check Transactions
  • Check Services
  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • eCheck & ACH Processing
  • EMV Processing
  • Gift & Loyalty Program
  • Mobile Payments App
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • POS Equipment
  • Virtual Terminal

APS Payments Billing & Invoicing

  • Mobile Payments
  • Multi-Currency
  • Online Payments
  • Payment Processing

APS Payments Advertising & Sales

APS is unique in that it does not utilize sub-ISO’s or independent sales agents to market its contracts. Rather, the firm relies almost exclusively on its referral network and an in-house sales staff to sell its payment processing services. 

This can be considered a plus because merchant account providers who employ independent sales agents typically face larger complaints for misrepresented contract terms and aggressive sales tactics. APS Payment’s marketing suggests that it employs a more transparent sales and marketing process.  

We could only locate one complaint against APS, which accuses the firm’s representatives of misrepresenting a service offering. Otherwise, APS does not appear to include any deceptive claims in its official marketing materials.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


APS Payments Pricing, Rates & Fees


APS Payments relies on TSYS as its payment provider. Typical TSYS rates include a swiped rate of 2.50% + $0.20 per transaction and a keyed-in rate of 3.50% + $0.20. TSYS also includes a quarterly PCI Compliance Fee of $18.80 in its standard contracts.

Interested merchants are advised to request a price quote from APS Payments in order to get a more comprehensive list of fees that applies to their particular business model. 

eCommerce merchants can expect additional fees associated with using APS Payment’s online payment gateway. The most common eCom fees are Gateway Fees, Technical Support Fees, and Batch fees.

Pricing at a Glance

Pricing Model

Tiered Pricing

Swiped Rate

2.5% + $0.20

Keyed-in Rate

3.5% + $0.20

Mobile Payment Rate

Virtual Terminal Rate

3.5% + $0.20

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms


Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee

Monthly Minimum


Statement Fee

APS Payments Contract & Terms

APS Payment representatives have stated that the firm’s standard contract is a three-year agreement administered through TSYS. 

Additionally, APS Payments has claimed to not charge Early Termination Fees (ETFs) to merchants that go out of business or sell their company. Otherwise, APS Payments lists a $295 ETF for merchants who cancel their service before the contract end date and do not offer APS the opportunity to match a competing offer. 

APS Payments also offers POS equipment leases but rates and fees can vary significantly depending on the merchant’s size and industry. It’s important to note that POS equipment leases are typically much more expensive than just purchasing the equipment outright.

Contract Length

3 Years

Early Termination Fee


APS Payments Setup & Support


Setup Highlights

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

Support Highlights

  • Domestic Phone Support (Business Hours)

APS Payments Complaints, Ratings & Reviews

APS Payments is accredited with the Better Business Bureau and maintains an “A+” rating on its BBB profile. The firm has received 0 complaints over the last 36 months.

Despite not receiving any complaints, APS Payments does show 2 informal reviews on its BBB profile; one positive and one negative. The negative review accuses the company of misrepresenting terms, not honoring its 30-day cancellation policy, and not providing adequate technical support. 

There are only a small additional number of complaints against APS Payments outside of the BBB. This leads us to believe that most APS clients are satisfied with the payment processing services that they receive from APS.



A+ and is Accredited since 2001. (0 Review; 1 Complaints)


5 Stars / 4 Reviews


4.7 Stars. Based on the opinion of 15 people




Total Online Reviews


Total Online Complaints




APS Payments Alternatives


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