Centurion Payment Services Review

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Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Small to mid-sized businesses

Specializes in

Certain high-risk industries (such as CBD)

Pricing Summary

Setup Fee: $0

Monthly Fee: $35

Swipe Rate: 1.05% + $0.15

Keyed-in Rate: 1.80% + $0.10

Early Termination Fee : N/A

Contract Terms:

No Contract Required
Visit Centurion Payment Services

Florida based merchant services provider founded in 2012.

Centurion Payment Services Overview


Centurion Payment Services, also known as CPS, is a merchant account provider that offers credit card processing services for low, mid, and high-risk merchants. CPS claims to have the lowest rates with the most advanced security.  

Though CPS has solutions for low and mid-risk merchants, they specialize in the following high-risk industries: CBD, nutra (no trial), travel clubs, MLM, credit repair, collections (first party debt only), fantasy sports, adult, gaming (must be licensed). It is difficult to find processors that claim to specialize in these areas, so CPS is catering to a niche market.

The overall lack of online reviews regarding this company makes it difficult to confirm if CPS is completely truthful in their advertising and if merchants are happy with their service, hence the reason for the imperfect score.

Quick Facts

Head Quarters

7800 Congress Ave #206, Boca Raton, FL 33487, United States

Year Founded



Amit Alcalay



Merchant Provider Risk Tolerance

What We Like

24/7 customer support

Free pricing comparisons

QuickBooks plugin available

High-risk solutions

What We Don't Like

Lack of merchant reviews about company

Lack of disclosure of products/software carried

Industries Served

  • Accounting & Tax Prep
  • Adult
  • Bail Bonds
  • CBD & Hemp
  • Clothing & Apparel
  • Convenience Store
  • Credit Repair
  • Dating
  • Debt Consolidation
  • E-Cigarettes / Vape
  • Education
  • Electronics
  • Gaming
  • Gas Station
  • Healthcare
  • Hosting
  • Jet Charter
  • Legal
  • Medical
  • Moving Companies
  • Nutraceuticals & Supplement
  • Personal Service
  • Pharmaceutical
  • Property Management
  • Restaurant / Bar
  • SEO & SEM Services
  • Smoking Accessories
  • Sports Betting Advice
  • Telemedicine
  • Thrift Store
  • Travel
  • Web Design Services

Business Types Served

  • B2B
  • Digital Downloads
  • Ecommerce
  • Enterprise Merchant Accounts
  • High Risk
  • Information
  • Low Risk
  • MLM
  • Mobile
  • Mom & Pop
  • MOTO
  • Non Profit
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

Centurion Payment Services Products & Services


Unfortunately, CPS does not disclose which products they offer their merchants. They do claim to have solutions that allow merchants to capture transactions from the office, website, or with mobile equipment that is EMV and Apple Pay compatible (NFC).  So we can assume they carry standalone/countertop terminals, mobile devices, and possibly POS systems. CPS does offer a payment gateway, POS software integration, and advanced payment reporting software but they do not disclose the name of the gateway or software.  

Additionally, CPS has Quickbooks integrations available as well as 1099-K reporting.

Centurion Payment Services Payment Processing

  • ACH Check Transactions
  • Bitcoin Processing Compatible
  • Cash Transactions
  • Chargeback & Fraud Prevention
  • Check Guarantee
  • Check Services
  • Credit Card Processing
  • Credit Card Terminals
  • Customized Application Guidance
  • EBT Acceptance
  • EMV Processing
  • Gift & Loyalty Program
  • Gift Card Management
  • High-Risk Industries
  • Merchant Cash Advance
  • Mobile Card Reader
  • Mobile Commerce
  • Mobile Payments App
  • Online Payments
  • Payment Gateway
  • Payment Processing Services Integration
  • POS Equipment
  • Receipt Printing
  • Retail Payment Processing
  • Returns Management
  • Shopping Cart Integration
  • Shopping Cart Provided
  • Signature Capture
  • Virtual Terminal

Centurion Payment Services Billing & Invoicing

  • Billing Portal
  • Contact Database
  • Customizable Invoices
  • Dunning Management
  • Mobile Payments
  • Multi-Currency
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Project Billing

Centurion Payment Services Advertising & Sales

CPS does advertise a good amount of their pricing on their website, which is not typical for the merchant services industry. Other than the pricing, the website offers little details about products and services.  We have found no negative reviews about CPS, which leads us to believe that what they advertise is true, and merchants are happy with their products.

It is unknown if CPS hires independent sales agents to obtain merchant accounts or if they strictly rely on an in-house sales team. We have not found any sales complaints, and can assume, for now, that the selling techniques and advertising of this company is not deceptive. Overall, CPS can be considered truthful and ethical in their business practices.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Centurion Payment Services Pricing, Rates & Fees


CPS claims to have the lowest rates in credit card processing due to working directly with the 1st and 2nd largest processors in the industry. They say they can get their merchants the lowest rates, 100% guaranteed, though there is no further information of what this guarantee entails. 

Pricing is advertised on the CPS website in a very detailed chart.  Pricing and fees vary by card type and environment as well as business type. For the Visa credit card type, swipe rates are 1.51% + 10¢ while keyed rates are 1.80% + 10¢.  For Mastercard credit card type, the swipe rates are 1.58% + 10¢ while 1.89% + 10¢.  Debit transactions have different rates.  The full pricing chart is extensive, and can be found on the website. American Express pricing starts at 1.60% + 10¢, but this will vary depending on industry.  Since CPS is an all-purpose payment processor, it is highly likely that these rates could fluctuate dramatically depending on the typical factors: business type, processing history, credit history, etc. Additionally, high-risk merchants should expect to pay higher rates than the averages that are advertised. 

Unfortunately, beyond the pricing chart, no fees are disclosed on their website. We do not know if CPS charges an ETF, if they have product leasing options, if there are any additional fees associated with payment gateways, etc.

Pricing at a Glance

Pricing Model

Interchange Plus

Swiped Rate

1.05% + $0.15

Keyed-in Rate

1.80% + $0.10

Mobile Payment Rate


Virtual Terminal Rate


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


Centurion Payment Services Contract & Terms

CPS does not publicly disclose their merchant application or contract terms & conditions, and we could find no information online about contract lengths.  Merchants should be advised that contract terms and lengths can vary depending on the nature of your business. 

CPS does not disclose if they have an early termination fee (ETF) or any other cancellation fees.

We always encourage merchants to read the fine print on all applications and contracts.

Contract Length

No Contract Required

Early Termination Fee


Centurion Payment Services Setup & Support


Setup Highlights

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

Support Highlights

  • Domestic Phone Support (Business Hours)

Centurion Payment Services Complaints, Ratings & Reviews

Not many reviews could be found on CPS, there is a complete lack of reviews on most platforms we typically look at. Only 3 reviews on Google could be found, all were positive raving about customer service and level of attention. However Google reviews are known to be unverified and we do not know if actual merchants wrote these reviews. 

The BBB has given CPS an “NR” rating. This can be due to insufficient information about the business or ongoing review/update of the business’s file. Additionally, no reviews and no complaints are reported by the BBB.

We could not find any complaints online which could be an indicator that merchants are happy with the service CPS provides.

No outstanding class-action lawsuits or FTC complaints filed against CPS could be found.





5/5 (3 reviews)


No ratings


No ratings


Total Online Reviews


Total Online Complaints





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