Card Payment Solutions Review

Rates and Fees
80/100
Truth in Advertising
85/100
Consumer Reviews
90/100
Customer Support
85/100
4

Best for

Standard-risk merchants looking for eCommerce solutions, mobile payment processing, or POS systems

Specializes in

Virtual terminals, mobile payment processing, online shopping carts, eCommerce integrations, payment gateways, POS systems

Pricing Summary

Setup Fee: $0

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 Card Payment Solutions

Card Payment Solutions is a merchant account provider that offers eCommerce solutions, POS systems, and mobile payment processing capabilities to merchants. The company is a reseller of direct processing services from Global Payments, First Data, and TSYS.

Card Payment Solutions Overview

 

Card Payment Solutions is a merchant account provider that’s based out of Florence, South Carolina. The company was founded in 1999 and lists HSBC Bank as its acquiring bank.

Merchants can use Card Payment Solutions to get access to eCommerce solutions like online shopping carts, eCommerce integrations, and virtual terminals. The company resells payment processing services from several companies that provide direct processing.

The company says that its solutions are a good fit for merchants operating in the following industries:


  • Lodging

  • Medical

  • Convenience Store

  • Dry Cleaning

  • Grocery

  • Restaurant

  • Retail

  • Web Development

  • And several others


Card Payment Solutions currently has an A+ rating with the Better Business Bureau and has received very few negative online reviews.

Quick Facts

Head Quarters

Florence, South Carolina

Year Founded

2002

CEO

Dan Christopher

Employees

85

Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Education
  • Electronics
  • Gas Station
  • Healthcare
  • Marketing Agency
  • Medical
  • Moving Companies
  • Personal Service
  • Property Management
  • Restaurant / Bar
  • SAAS
  • Telemedicine
  • Thrift Store

Business Types Served

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

Card Payment Solutions Products & Services

 

eCommerce Solutions


Card Payment Solutions offers eCommerce services that can help merchants process their customers’ payments online. The company has a variety of offerings in this area, including virtual terminals for card-not-present transactions and online shopping cart integrations. The company also gives its merchants access to developer tools, which makes it easy to integrate APIs and other technologies into your online store.

Mobile Payment Processing


Merchants can also process their mobile payments through Card Payment Solutions. The company offers several different types of mobile payment solutions to choose from, including:

  • CloverGo

  • ChargeAnywhere

  • 4G Wireless Terminals


POS Systems


If you’re a merchant that needs a new POS system, then you might find what you’re looking for at Card Payment Solutions. The merchant account provider offers several different POS systems to choose from, which can each be an all-in-one solution for your business needs.

The company’s POS solutions boast an impressive array of features. For example, they include integrated management apps, payroll functionality, inventory tracking, support for online ordering, and more.

Card Payment Solutions Payment Processing

  • ACH Check 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
  • Merchant Cash Advance
  • Mobile Card Reader
  • Mobile Payments App
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • POS Equipment
  • Recurring Billing
  • Shopping Cart Provided
  • Virtual Terminal

Card Payment Solutions Billing & Invoicing

  • Customizable Invoices
  • Mobile Payments
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

Card Payment Solutions Advertising & Sales

 
Card Payment Solutions hires independent sales representatives to sell its products and services. This practice is typically associated with poor experiences during the sales process. However, the company has not received any negative complaints online about its sales reps, which is a good sign.

Card Payment Solutions doesn’t appear to use any deceptive marketing practices either. The company doesn’t share much information about its pricing or contract structure, which is unfortunate. But it’s good to at least see that it isn’t intentionally misleading merchants with its advertising efforts.

Truth in Marketing

Discloses All Important Terms

No

Public Pricing Available

No

Card Payment Solutions Pricing, Rates & Fees

 

Unfortunately, there is very little information available about Card Payment Solutions’ pricing options. What we can say is that the company offers a zero-fee processing program. The way that this plan works is that merchants are charged a flat-rate surcharge of 3.99% on all credit card transactions.

If they wish to do so, merchants can pass this charge on to their customers and pay almost nothing themselves. Apparently, the company charges a fixed-rate monthly fee for this plan. But it doesn’t share what that fee looks like on its website.

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

Undisclosed

Payment Gateway Fee

Undisclosed

Batch Fee

Undisclosed

Early Termination Fee

Liquidated Damages

PCI Compliance Fee

Undisclosed

Equipment Lease Terms

48 Month (locked)

Address Verification Service (AVS)

Application Fee

Account Setup Fee

$0

Gateway Setup Fee

Annual Fee

Monthly Minimum

$0

Statement Fee

Card Payment Solutions Contract & Terms

Card Payment Solutions appears to use a variety of contract types based on the unique profile of each merchant that they work with. That being said, the company’s standard agreement lasts for three years. It renews for an additional year automatically at the end of each term. 

Unfortunately, it’s impossible to say whether Card Payment Solutions charges any liquidated damages or early termination fees to merchants who agree to this contract. The company doesn’t share any information about this online.

Contract Length

3 Years

Early Termination Fee

Liquidated Damages

Card Payment Solutions Setup & Support

 

Setup Highlights

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

Support Highlights

  • Domestic Phone Support (Business Hours)

Card Payment Solutions Complaints, Ratings & Reviews

Card Payment Solutions currently has an A+ rating with the Better Business Bureau. The company hasn’t had very many online complaints filed against it. Some complaints have noted unexpected cancellation fees and poor customer service. 

However, there’s another company that’s called CardPayment Solutions, which is based out of California. It’s difficult to differentiate whether these negative reviews were intended for that company or this one. At any rate, most complaints appear to reference isolated incidents instead of a pattern of poor behavior.

Ratings

BBB

A+ and has been Accredited since 2011. (0 Reviews; 2 Complaints)

Google

4.5 Stars / 13 Reviews

Facebook

5 Stars. Based on the opinion of 3 people

Yelp

None

Reviews

Total Online Reviews

50+

Total Online Complaints

<10

Lawsuits

None

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