Atlantic-Pacific Processing Systems Review

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Customer Support

Best for

APPS is best for small to medium businesses that are a standard risk.

Specializes in

APPS is a merchant account provider that specializes in offering a host of services for small to large standard-risk businesses that process payments and get an in-depth understanding of data and analytics of the company at the same time.

Pricing Summary

Setup Fee: Undisclosed

Monthly Fee: Undisclosed

Swipe Rate: 1.00% - 4.99%

Keyed-in Rate: 1.00% - 4.99%

Early Termination Fee : Liquidated Damages

Contract Terms:

3 Years
Visit Atlantic-Pacific Processing Systems

Atlantic-Pacific Processing Systems (APPS) has been in business since 2004. This merchant account provider serves most business types that are low to standard-risk, including ISO’s and Acquirers.

The company operates out of Las Vegas, Nevada. Abe Maghaguian is listed as the current president and CEO.

Atlantic-Pacific Processing Systems Overview


Atlantic-Pacific Processing Systems (APPS) is a large merchant account provider that has worked with over 150,000 businesses in the past eighteen years.

APPS has worked with many different business types, including small, medium, or enterprise businesses, and those needing specialty solutions.

APPS offers a lot of data analytics software designed to help optimize your business. They offer physical equipment, virtual terminals, and more.

The downside to APPS is the lengthy contract with an onerous early termination fee. However, there is a low complaint profile for such a large company, so we assume that most customers seem satisfied with the terms and conditions of their contract.

Quick Facts

Head Quarters

Las Vegas, Nevada

Year Founded



Abe Maghaguian



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Airlines
  • Automotive
  • Beauty & Wellness
  • Clothing & Apparel
  • Convenience Store
  • Contractors
  • Educational Seminars
  • Electronics
  • Food & Beverage
  • Gaming
  • Gas Station
  • Healthcare
  • Hunting & Outdoor Equipment
  • Marketing Agency
  • Medical
  • Moving Companies
  • Personal Service
  • Professional Services
  • Online Sellers
  • Restaurant / Bar
  • Retailers
  • SAAS
  • Software & Apps
  • SEO & SEM Services
  • Telemedicine
  • Thrift Store
  • Travel

Business Types Served

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

Atlantic-Pacific Processing Systems Products & Services


Hardware and Software

APPS offers businesses the physical equipment they need including POS systems or Basic Stand Ailine devices.

In addition to physical equipment, some of the software businesses can use include payment gateways, virtual terminals, shopping carts, gift, and loyalty card programs, contactless payments, ACH, and check to process.

Value-Added Services

Some of the interesting features a business can take advantage of as a customer of APPS include:

Reporting and Data services
Insights Portal
Paynomix (command center software)
Everest Processing Platform (allows all your systems to talk to each other)
Conformance (PCI Toolkit)
Omnichannel / Omnipayment
Chargeback Management Platform
International Processing

APPS does not include information on their website on the details of using some of the additional tools. It is unclear whether they are included in the contract or they would be considered extra, nor how much the use of them they would cost.

Supported Payment Types and Services

Atlantic-Pacific Processing Systems processes all major credit and debit cards including:

American Express

The company also processes online and mobile payment apps including PayPal, Google Wallet, and Apple Pay.

Atlantic-Pacific Processing Systems Payment Processing

  • ACH Check Transactions
  • Cash Transactions
  • Chargeback & Fraud Prevention
  • Check Services
  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • eCheck & ACH Processing
  • EMV Processing
  • Gift & Loyalty Program
  • High-Risk Industries
  • Mobile Card Reader
  • Mobile Payments App
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • POS Equipment
  • Recurring Billing
  • Shopping Cart Integration
  • Signature Capture
  • Virtual Terminal

Atlantic-Pacific Processing Systems Billing & Invoicing

  • Contingency Billing
  • Customizable Invoices
  • Dunning Management
  • Mobile Payments
  • Multi-Currency
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

Atlantic-Pacific Processing Systems Advertising & Sales

Atlantic-Pacific Processing Systems uses a combination of independent resellers and an in-house marketing team to market and sell its products.

At this time there are no credible complaints against the company for their sales tactics or dishonest marketing or advertising.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Atlantic-Pacific Processing Systems Pricing, Rates & Fees


Atlantic-Pacific Processing Systems offers rates that vary between 1-4.99%. The rate a business receives will depend on the type of business as well as other factors.

In addition to transaction rates, the contract includes several fees, the most onerous being a liquidated damages early termination fee. Due to how this fee is calculated, it can be very expensive.

Altogether, the fees charged in this plan make it more expensive than other merchant account providers.

Pricing at a Glance

Pricing Model

Tiered Pricing

Swiped Rate

1.00% - 4.99%

Keyed-in Rate

1.00% - 4.99%

Mobile Payment Rate

Virtual Terminal Rate

1.00% - 4.99%

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee

Liquidated Damages

PCI Compliance Fee


Equipment Lease Terms


Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee

Monthly Minimum


Statement Fee


Atlantic-Pacific Processing Systems Contract & Terms

Atlantic-Pacific Processing Systems offers a three-year contract that includes automatic one-year renewals and a liquidated damages early termination fee.

The liquid damages fee is calculated by multiplying the number of months left in the contract by the average amount of fees paid in the past six months and then adding the attorney’s cost to that number.

In addition to the potentially large fee for canceling the contract, the customer could also be on the hook for expensive leased equipment.

This contract is long and the liquidated damages termination fee can be very expensive. This is not typical of providers in this industry.

In addition, businesses are advised not to enter into equipment leases, as they are generally more expensive than owning equipment outright.

Contract Length

3 Years

Early Termination Fee

Liquidated Damages

Atlantic-Pacific Processing Systems Setup & Support


There is a contact form, email, and phone number on the website. Customers are also paired with a relationship manager whom they can contact for any issues they may run into during setup or anytime during their contract.

Setup Highlights

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

Support Highlights

  • Domestic Phone Support (Business Hours)

Atlantic-Pacific Processing Systems Complaints, Ratings & Reviews

BBB Rating

Atlantic-Pacific Processing Systems has had an unaccredited Better Business Bureau account since 2014. There are no reviews or complaints on their BBB profile. They are currently rated A+ on this platform.

Other Online Reviews

There are a handful of complaints about Atlantic-Pacific Processing Systems online, one of which accuses the company of being a scam. However, the number of online complaints is typical considering the size and age of the company.

There are no complaints about their pricing and contracts although the fees are higher than is typical in the industry.

They are rated 4.5 out of 5 by their employees on GlassDoor.



A+ and has been Accredited since 2014.


5 Stars / 1 Review


No Recommendations Yet




Total Online Reviews


Total Online Complaints




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